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Blue Sky Financial Group is an insurance broker serving Ontario since 1914 (see Our History).
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Six new models made ConsumerReports.org’s Top Picks this year: the Chevrolet Silverado and Traverse, Mazda5, Nissan Altima, Subaru Forester, and Volkswagen GTI. This marks the first time in six years that two domestic models earned spots or that a European car made the list. Two of last year's picks, the Toyota Highlander and RAV4 SUVs, were passed over this year. At the time of publication, sales of certain versions had been halted. We have suspended our recommendation until a potentially unsafe part that could cause unintended acceleration is fixed. Top Picks are the best all-around models in their categories, based on their performance, reliability, and safety. They are chosen from the more than 280 vehicles we've recently tested and must meet their criteria in three areas: Road test Each must rank at or near the top of its category in our overall test score, which is based on more than 50 tests and evaluations. Reliability Each must have an average or better predicted-reliability Rating, based on the problems CR subscribers reported in the latest Annual Auto Survey. Safety Top Picks must perform adequately in overall safety if tested by the government or the insurance industry. (For some models, ConsumerReports.org does not have enough crash-test data to assign an overall safety Rating.) In addition, electronic stability control, a proven lifesaving safety feature, must be readily available. All of the Top Picks provide standard ESC and curtain air bags.
Is your home wiring safe? Faulty electrical wiring is the cause of many devastating home fires. If you live in an older home that has not had its electrical system upgraded, you could be at risk. Homes with "knob and tube style" wiring or 60 amp service are a major concern. Built long before the days of self-defrosting refrigerators, dishwashers, and other energy-hungry conveniences, these homes simply do not have the capacity to meet the electrical needs of today’s families. Some homeowners have modified their systems using unsafe methods. Fire investigators have found various dangerous situations and a few examples have been listed below: Many purchasers and owners of such homes are finding it difficult to get, or renew, insurance coverage. In fact, some insurance companies refuse to insure homes with knob and tube wiring or 60 amp service. Others require that 15 amp fuses or circuit breakers be used to protect the system, that no additional outlets be added to the original installation, and that conductors are in good condition. Even though knob and tube wiring or 60 amp service may satisfy some people, it cannot keep up with the demands of today’s homeowner. If you are unsure about the wiring in your home, contact your Electrical Safety Authority for an inspection, and use the services of a licensed electrician to make it safe. Don’t take chances! Note: Effective March 1, 2006, Fire code (Ontario) was amended; working fire alarms must be present on every level of a home. The London fire Department lists the following as warning signs: (www.fire.london.ca/electrical) The articles which appear in this publication represent the opinions of the authors and do not represent or embody any official position of, or statement by Blue Sky Financial Group or IBAO; nor do they attempt to set forth definitive action standards or to provide legal advice
Traffic Fines increase drastically in Ontario
Posted by Blue Sky Financial Group
Posted on 10:02, Wednesday, February 3
Some traffic fines in Ontario have increased drastically in 2010.
Changes include:
- Seat Belt violations jumping from $110 to $240,
- Child Seat Restraint tickets increasing from $110 to $240,
- Red Light violations are increasing from $110 to $325,
- Red Light violations in a Community Safety Zone, including school zones will jump from $140 to $490
- Failing to pull over for an emergency vehicle now levies a minimum fine of $490, but could go as high as $2000 depending on the circumstances
An additional victim surcharge on OPP fines can be charged by the province to support a victims fund. Amounts vary per violation.
The province is hoping that higher fines for convictions will be another effective tool to help make Ontario roads safer.
