Important information: A potential Canada Post service disruption could take place within the coming weeks.

Skip to main content

Thinking about moving in together? Important conversations to have with your partner.

Learn more about home insurance options or speak with an RBC Insurance advisor to make sure you and your partner are covered in your new home together.

Call 1-877-749-7224

Thinking about moving in together? Important conversations to have with your partner.

If you and your partner are thinking about moving in together, here are a few things you should consider.

Getting Started

1. Moving in with your partner opens a door to another level of intimacy. The best thing you can do to ensure everything falls into place is to be prepared. This means taking the time to sit down and discuss the details with your partner.

2. Do you sleep with the TV on? Is one of you a neat freak while the other is messy? Try to make an effort to adapt together. If chores and cleanliness become an issue, try assigning responsibilities and making time to complete them together.

Open Up

3. It may not be easy to talk about, but it’s crucial to be on the same page about your soon-to-be joint expenses and money history.

4. Make sure you have a clear plan on how to split your expenses from the beginning and consider using an app like Splitwise to make calculations.

5. It might seem overly formal, but documenting who is responsible for what will help you stay honest to your intent when you choose to share expenses.

6. While every province has different rules about common law relationships, it’s important to note that once your status changes, in many cases your insurance and taxes could be considered the same as a married couple.

Your New Abode

7. Different neighbourhoods can have different impacts on your tenant or home insurance, so talk to an advisor to get a clear picture.

8. If you’re renting, make sure both of your names are on the lease. If one of you already owns the home, you can sort out how to split the mortgage payments but ultimately, it will be the owner’s name on the title.

Your Assets

9. You’ll likely need to make space for each other, so you’ll have to decide what stays and what goes. Let your partner know about what you can and can’t part with.

10. Make sure your home or tenant insurance plans cover the new, combined value of your belongings. If you share a vehicle, you should talk about driving records, as your premiums could go up if your partner has a bad driving record.

Additional Sources

https://www.canada.ca/en/revenue-agency/services/child-family-benefits/update-your-marital-status-canada-revenue-agency.html

Great Rates and Expert Advice on Home Insurance

Get a free online quote* for coverage to protect you, your property, and your belongings from the unexpected.

Learn More

*Home and auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company. In Quebec, RBC Insurance Agency Ltd. Is registered as a damage insurance agency. As a result of government-run auto insurance plans, auto insurance is not available through RBC Insurance in Manitoba, Saskatchewan and British Columbia.

This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.

Share This Article

Topics:

Relationships Tenant Insurance

Read This Next

Young adolescents face a multiplicity of changes associated with this developmental stage. These changes include cognitive, physical, psychological and social growth. Each youngster has of course, unique characteristics. In general, however, during this phase of development, young adolescents tend to fluctuate between childhood and emerging maturity in several areas. As such, the transition into adolescence tends to bring about rapid changes and new capacities.

The first area of growth involves physical development with its gender specific characteristics. As children enter puberty, they may have concerns about how they are changing. They may have uneasy feelings about maturing too fast and looking different than many of their friends. Others may worry about the fact that their friends are growing up faster, and may feel that they are lagging behind in some way.

The second area of growth is associated with cognitive development. Young adolescents are gradually moving from more concrete thinking to more formal, abstract thought. Periods of growth and periods of plateau typify this stage. In earlier years, children are interested in facts and skills. With the development of higher order thinking capabilities, adolescents generally become more involved with values. They learn to hypothesize and try to relate issues to personal experiences; start to have a better understanding of the past; become more interested in social issues; begin to plan for the near future and become more self-conscious about their social position and how others react to them.

The third area of development relates to the social/emotional growth of adolescents. They may experience a range of powerful emotions and reactions to events and people as their sense of identity emerges. Adolescent self-awareness and self-absorption may be related to confusion and subjective descriptions of self. They may also experience conflicting feelings about the self, authority and independence. For example, feelings of discomfort related to physical growth may result in moodiness. Sensitivity to body image may be expressed at times as bragging about appearance. Negative comments may also result in exaggerated reactions which seem dramatic to the adults in their lives.

The developmental tasks facing adolescents include: (a) a gradual acceptance of one’s physique and sexual role, (b) attainment of emotional independence, (c) preparation for choice making and the future, (d) establishment of new friendships and social contacts, and (e) building values and morals. These tasks are a tall order for youngsters who broaden their understanding, knowledge, values and interests while coping with their own confusion, transitions, and expectations of others in their lives.

As a result, their developmental needs include: (a) freedom intellectually to explore, question and at times challenge, (b) positive communication, (c) supportive attitudes, (d) greater autonomy, (e) acceptance by peers and adults, (f) a clear value system, (g) psychological security and a sense of competence, and (h) opportunities to test their beliefs, exercise choices and new capacities.

When these types of needs are met consistently, adolescents tend to develop better coping skills, resiliency, and higher self-esteem. This means that they evaluate their qualities and attributes more positively and feel well integrated within their social reference group. Because self-esteem and validation are important within the home and school environments, educational goals across the curriculum aim to develop in students self reliance, adaptability, responsibility, problem-solving abilities, effective communication skills, realistic self-appraisal and esteem for others. Strong home/school ties are an important partnership in supporting the adults of tomorrow.

As parent(s), if you observe that your adolescent looks uncharacteristically withdrawn, or unusually preoccupied, know that many resources are available for consultation and follow-up. Consult with the mental health professionals at your child’s school, including the School Support Team. Online free resources developed with input from psychologists can provide you with support and guidance for interventions. See for example, The ABCs of Mental Health. It is a bi-lingual free resource for teachers, and parents addressing the needs of children and youth up to age 18. The Psychology Foundation of Canada has many free online resources, including www.StressStrategies.ca

 

Ester Cole: Reprint with permission. Dr. Ester Cole is a psychologist in private practice in Toronto providing services to school-age children, youth, families and schools. She was the chair of The Psychology Foundation of Canada and the Parenting for Life program, and the past president of the Ontario Psychological Association and the Canadian Association of School Psychologists. She has published and lectured widely, and has been active on committees provincially, nationally and in the American Psychological Association. Follow The Psychology Foundation on Twitter, Instagram and Facebook and visit psychologyfoundation.org to access various resources for parents to support the promotion of your child’s mental well-being.

 

RBC Disability Insurance

Help ensure your expenses are covered if you get sick or injured

Learn More

*Home and auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company. In Quebec, RBC Insurance Agency Ltd. Is registered as a damage insurance agency. As a result of government-run auto insurance plans, auto insurance is not available through RBC Insurance in Manitoba, Saskatchewan and British Columbia.

This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.

Share This Article

Topics:

Health and Wellness Parenting Relationships

Read This Next

For many families, adolescence can be a stormy season. Hormones, high school, and first heartaches can make life confusing, even to the most cool-headed kid. It isn’t just tough on teens though, it can be a trying time for parents too.

Learning to decode baffling new behaviors, determining when to offer support and when to step back, how to resolve conflicts, and the best way to respond to signs of trouble can be overwhelming and frustrating. It can leave moms, dads, and caregivers with an awful lot of questions.

Why is My Teen So Moody?

Growing up isn’t exactly easy. Dr. Ester Cole, a psychologist, author, and teacher who treats school-age children and youth, understands the transition to teen-dom to be a major cognitive, physical, psychological, and social undertaking. She points to the many major changes occurring in adolescents:

  • Attaining emotional independence
  • Preparing for choice-making and the future
  • Establishing new friendships and social contacts
  • Building values and morals, and
  • Gradually accepting one’s changing physique and sexual role.

In other words, your child has a pretty intimidating growth-related to-do list. Cole goes on to explain, “These tasks are a tall order for youngsters who broaden their understanding, knowledge, values, and interests — while coping with their own confusion, transitions, and expectations of others in their lives.”

While these radical changes may not account for all the door slamming and eye rolling, these changes may be responsible for more than a few extra feelings.

How Can I Help?

Knocking on that firmly shut, not-so inviting bedroom door might seem like a fool’s errand to a parent or guardian, but offering support and understanding may be critical in addressing your child’s developmental needs. Cole points to drives like increased autonomy, positive communications, a clear value system, a sense of competence, and the opportunity to test personal beliefs and make choices, as some of the longings children may experience during adolescence.

Providing affirmation and encouragement, granting trust and exercising patience, are all ways a parent may foster personal growth and create a positive environment.

Though it may not be easy to keep calm and parent on through the ups and downs, a healthy relationship with you may have a big impact on the decisions your child makes. A 2015 study published in the Developmental Cognitive Neuroscience showed that increases in positive parent-child relationships contribute to declines in adolescent risk-taking. Who knows? Being in-tune with your teen may mean you don’t need to hide the car keys.

What If It’s More Than Just Moodiness?

Moodiness may be normal for some adolescents, but an unusual behavior could signal a more serious issue. According to the 2015 Ontario Student Drug Use and Health Survey, one-third (34%) of students indicated a moderate-to-serious levels of psychological distress, and one-in-seven (14%) reported their levels to be serious. As a parent, it can be difficult to distinguish between the usual teenage ennui and a potential symptom of a larger problem. Dr. Cole advises that if your child is “uncharacteristically withdrawn, or unusually preoccupied” it may be time to seek extra support.

Where Can I Find Support?

Proper diagnosis and treatment may be extremely effective in managing the symptoms of mental illness. One study cited by the Canadian Mental Health Association showed that, with help, up to 80% of people who suffer from depression are able to return to their regular daily activities.

To start, Cole recommends “Consulting with the mental health professionals at your child’s school, including the School Support Team.” An SST is a task force made up of teachers and staff who design plans and systems to help any student who may be struggling in the school environment. In addition, your family physician may also be able to place a referral to an accredited psychologist or specialist.

For more information on support children through the tumultuous teen years and beyond, check out Cole’s, “Understanding Young Adolescents.” For parent and caregiver education, free resources such as the ABCs of Mental Health and The Psychology Foundation of Canada’s Stress Strategies also provide information on various disorders, treatments, and tools.

When the moods swing and the manners march out the door, parenting through puberty can seem near impossible but with a little understanding, support, and patience, both you and your child can ride out the storm together.

There are different aspects of your health and it’s important to be aware of and take care of each of those areas. Speak to an RBC Insurance Advisor near you about health insurance. Or call us at 1-866-262-7920.

 

RBC Disability Insurance

Help ensure your expenses are covered if you get sick or injured

Learn More

*Home and auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company. In Quebec, RBC Insurance Agency Ltd. Is registered as a damage insurance agency. As a result of government-run auto insurance plans, auto insurance is not available through RBC Insurance in Manitoba, Saskatchewan and British Columbia.

This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.

Share This Article

Topics:

Family Health and Wellness Parenting Relationships

Read This Next

It’s almost time to tackle your income taxes again but before you race for that refund, here are five quick tips that might help you make this year’s a real winner.

Don’t Forget the Kids

Family is filled with endless amounts of fun and financial responsibility, but the Child Care Expense Deduction could help come tax time. If you pay an individual, daycare centre, camp, or educational institution to care for your children (ages 16 and under) while you work, go to school, or conduct grant funded research, pay attention to line 214 on your return; you may be able to claim that expense.

Earn While You Learn

You might have enough homework already, but taking some time to study the Tuition Tax Credit may be worthwhile to a savvy scholar such as yourself. If your tuition fees were covered by you and not paid (or reimbursed) by parents, employers, certain job training programs, or a federal program to help athletes, you can claim all amounts over $100. Sorry smarty pants, other costs associated with schooling including textbooks, lodging, meals, and that new laptop, are not eligible.

Claim Your Commute

Whether you get to work using public transit or your own set of wheels, there may be a deduction to make the ride a little smoother. If you drive your own vehicle and you’re often required to work away from your employer’s place of business, and don’t receive a vehicle allowance, you may be able to claim fuel, insurance, maintenance, leasing costs, and more! No car? Your transit pass might be eligible as an expense on Line 364. Just be sure to keep those receipts, record keeping is key.

Keep it Professional

Hard work can really pay off when it’s time to file. Professional fees such as union dues, required board memberships, and necessary liability or malpractice insurance, even licensing and examination fees, can be claimed on lines 212 and 323. Freelancers, rest easy, you’re only taxed on your net income; several operating expenses such as property taxes, utilities, and food and entertainment may be deductible too.

Contribute to Your Future

Investing in segregated funds, such as RBC’s Guaranteed Investment Funds, could help make your income tax return look a whole lot sweeter. Segregated funds can be held in a variety of ways, including an RRSP, which allows you to deduct your annual contribution from your gross income and keep any income and growth earned deferred from taxation until withdrawal.

Interested in Learning More About Segregated Funds? Contact an RBC Insurance Advisor.

Segregated funds can only be purchased through a life insurance advisor.

When it comes to completing your tax return, slow and steady may be just the right speed. Just don’t be late.

 

RBC Retirement Investment Solutions

Whether you’re building up your nest egg or ready to turn your hard-earned savings into retirement income, our solutions can help you make the most of your money. Have an RBC Insurance Advisor call you to learn more.

This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.

Any amount that is allocated to a segregated fund is invested at the risk of the contract holder and may increase or decrease in value. RBC Guaranteed Investment Funds are individual variable annuity contracts and are referred to as segregated funds. RBC Life Insurance Company is the sole issuer and guarantor of the guarantee provisions contained in these contracts. The underlying mutual funds and portfolios available in these contracts are managed by RBC Global Asset Management Inc. When clients deposit money in an RBC Guaranteed Investment Funds contract, they are not buying units of the mutual fund or portfolio managed by RBC Global Asset Management Inc. and therefore do not possess any of the rights and privileges of the unitholders of such funds. Details of the applicable Contract are contained in the RBC GIF Information Folder and Contract at www.rbcinsurance.com/gif.

Share This Article

Topics:

Managing Money Personal Finance

Read This Next

Having your home broken into when left unattended (and undefended!) from a few hours to several days, is a sure way to take the joy out of wonderful holiday memories. Thankfully, there are both tech-savvy and old-school ways to keep your home secure without spending a fortune. Try a few — or all — of these suggestions to help keep your home safe and sound.

To Post or Not to Post

While it may be tempting to share your photos on social media while you’re watching the sunset over an ocean or eating lunch at a café in Paris, before you do make sure your network is secure and that you know and trust all of your followers. Or, just wait until you get back; you don’t want to “advertise” that your house is empty.

Smart Home Help

Sales of smart home security accessories have exploded in recent years, for the simple reason that they make securing your home just that – smart. There are lots of different gadgets, from smart locks that allow you to control who enters and exits your home, video doorbells that let you see who’s knocking, to garage door apps that allow you to control and monitor your garage door access. If you’ll have Wi-Fi where you’re going, consider making a small investment in smart home security for big security benefits.

Well-Timed Lights

You may think you need to invest in the newest technology on the market to keep your home safe and sound, but old-school options like timed lights and motion sensors can scare away potential home invaders. They’re easy-to-install and don’t require internet, so whether you are on a budget or headed on a last minute getaway, both should remain on your radar when it comes to protecting your property.

Enlist Neighbourhood Assistance

Use your neighbour network to help shovel your driveway/walkway and take in mail during your holiday travels. Nothing says ‘unattended house’ like untouched snow and an over-stuffed mailbox.

Hide Prominent Packaging

By throwing out the packaging for your brand new Sonos system or PS4 all at once, you may be inadvertently advertising all the fancy new electronics in your house. Keep boxes and packaging away from curious eyes by breaking down boxes so they fit in the recycling bin or keeping packaging inside until you’re home.

Out of Eyesight Valuables

Despite your best efforts, there’s no sure-fire way to prevent a break-in. If the worst does end up happening, don’t make it easy for would-be thieves. Hide your valuables in unlikely places that are difficult to uncover. Avoid common hiding spots like the freezer, your sock drawer, pillowcase or under the mattress. You could even consider storing your valuables in a safe deposit box temporarily.

Spare Key Smarts

As a good neighbour, you sometimes give baking products in a pinch or lend the odd tennis racquet. As a result, people might know where you leave your spare key. While being a generous neighbour is great for your social circle, it’s not as great when it comes to home security. If you haven’t upgraded to a smart lock, don’t leave a key outside in its usual place, or anywhere for that matter, when you leave town. If you need a spare outside your house, consider leaving it with a trusted neighbour or nearby family member.

Find solace in knowing that your home has coverage with home insurance. Speak to an RBC Insurance Advisor to help answer any questions you may have.

Great Rates and Expert Advice on Home Insurance

Get a free online quote* for coverage to protect you, your property, and your belongings from the unexpected.

Learn More

*Home and auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company. In Quebec, RBC Insurance Agency Ltd. Is registered as a damage insurance agency. As a result of government-run auto insurance plans, auto insurance is not available through RBC Insurance in Manitoba, Saskatchewan and British Columbia.

This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.

Share This Article

Topics:

Home Maintenance Security Winter Weather

Read This Next

How many preventable fire hazards are hiding in your home? If you’ve heard of a house fire caused by a careless mistake or thoughtless act, you may have thought, “That’s awful — but it could never happen to me.” The truth is, there are many potential causes of house fires that homeowners often overlook.

Here are eleven sneaky fire hazards that may be hiding in your home:

1. Unattended Candles

Never leave a burning candle unattended — snuff it out before leaving the room, or take it with you.

2. Abandoned Styling Devices

Never leave hair-styling devices (like curling irons or flat irons) sitting on a dresser, table or counter without disconnecting them. Turn your hot hair-styling tool off and unplug them after use.

3. Cloth or Scarves Near a Heat Source

Clothing, scarves, curtains or other material too close to a light, lamp, radiator, stovetop or other heat source could ignite and start a house fire. Check each room to ensure no flammable items are near potential heat sources.

4. Aging Space Heaters

Space heaters, especially older ones, can overheat, or ignite nearby flammable material to start a fire. Avoid using older space heaters, read the operating instructions, make sure there’s ample space around the heater, and don’t leave it unattended when it’s on.

5. Dirty Chimneys or Flues

An accumulation of soot and creosote may be all that’s needed to a start a chimney fire, which can easily grow into a house fire. Clean your chimney at least once a year before using your wood stove or wood-burning fire place.

6. Dryer Lint in your Laundry Duct

According to the Red Cross, dryer fires are the cause of 90% of appliance fires. Clear lint from your laundry exhaust pipe, vents and lint trap regularly.

7. Forgotten Pots and Pans

In Ontario alone, 18% of house/structure fires started as cooking fires. Make it a habit to turn off your stovetop or hotplate before leaving the room, even if it’s just for a few minutes.

8. Burning Cigarettes

Between 2012 and 2016, cigarettes caused 7% of structure fires. If a smoker falls asleep with a lit cigarette in their hand, it can fall to the floor, and catch on bedclothes or other flammable materials.

9. Overloaded Electrical Outlets

Too many electrical devices plugged into one outlet can overload it and lead to an electrical fire. Choose an electrical multi outlet tap that plugs into existing wall outlets, or have an electrician install more outlets.

10. Rodent Nests Near Electrical Wires

Pesky rodents can be a danger if they build nests — made of dried grass and other flammable material — near heat sources, or anywhere sparks may occur. Keep your home rodent-free using traps, or with assistance from your local exterminator.

11. Christmas Trees

During the holiday season, whether you opt for a real tree or an artificial one, it’s necessary to take safety precautions. Make sure your tree is not close to open fires or heaters. Be aware that electrical failures or malfunctions can spark and ignite a tree. Do not overload electrical sockets with Christmas tree lights. And if you have a real tree be sure to keep it watered so that your tree does not dry and become brittle.

Be prepared for a house fire by ensuring your home is equipped with fire extinguishers and working smoke detectors. And don’t forget, home insurance may help protect your family from the financial damage of a house fire.

Make sure you have the right level of coverage for your home. Call 1-877-749-7224 to speak with an RBC Licensed Insurance advisor.

Great Rates and Expert Advice on Home Insurance

Get a free online quote* for coverage to protect you, your property, and your belongings from the unexpected.

Learn More

*Home and auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company. In Quebec, RBC Insurance Agency Ltd. Is registered as a damage insurance agency. As a result of government-run auto insurance plans, auto insurance is not available through RBC Insurance in Manitoba, Saskatchewan and British Columbia.

This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.

Share This Article

Topics:

Home Home Maintenance Winter Weather

Read This Next

Winter can be one of the hardest times of the year to stay active. Not only does the cold slow down some would-be winter warriors, but the early darkness and potential slip-and-fall ice hazards may also keep you from maintaining healthy exercise. Luckily, with a few adjustments, you can ease your favorite outdoor exercise like running or power walking into the winter season.

Here are five tips on how to stay safe while being active this winter.

1. Step Safely

Whether you stay active in the cold months by walking or running, the right shoes could make the difference between stepping smartly or a serious slip. There are even slip-on shoe spike accessories that easily attach to a variety of footwear for added protection against falls on icy sidewalks or trails. For example, these Yaktrax are a good option. Also be sure to take your time walking or running on uneven/poorly shoveled sidewalks as it can easily lead to a fall and possibly a twisted ankle.

2. Hot and Not-so-heavy

Once you’ve got the best footwear for your winter activity, make sure you’re properly prepared in warm but moisture-wicking outdoor gear. Heavy or thick clothing doesn’t necessarily keep you warmer. Technological advances in the construction of fabrics mean there’s remarkably breathable yet lightweight clothing available for the winter months. Your best bet is to hit an outdoor or athletic specialty store that can help you select the right outfit for your outdoor adventure.

3. Safety First

Ensure your loved ones know where you are. If you have a set route then share that with a loved one before you leave. Google maps has Location Sharing that lets you share where you are with anyone until you turn it off. Also consider getting safety tags that attach to footwear that give your name, address and emergency contact in case a bad fall leaves you incapacitated.

4. A Bright Idea

Another important accessory during the winter months is lighting. Get special lights if you’re doing your activity late at night or early in the morning; there are many options that are easy to attach and leave your hands free, like this Running Night Light from Amazon. Reflective gear can also be helpful, but is not nearly as much of an attention-getter as a bright light, especially when it’s very dark out.

5. Be Weather Wise

Follow weather reports and if there is a severe cold/frostbite alert, stay indoors.

Whether you’re a runner, walker or just want to stay active try incorporating these tips into your outdoor winter workouts. Don’t let winter get in the way of your health.

Help protect your lifestyle and your income with health insurance. Speak to an advisor at 1-866-262-7920.

 

RBC Disability Insurance

Help ensure your expenses are covered if you get sick or injured

Learn More

*Home and auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company. In Quebec, RBC Insurance Agency Ltd. Is registered as a damage insurance agency. As a result of government-run auto insurance plans, auto insurance is not available through RBC Insurance in Manitoba, Saskatchewan and British Columbia.

This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.

Share This Article

Topics:

Fitness Exercise Winter Weather

Read This Next