• (ITU/Rowan Farrell/Creative Commons)

    The 2017 Federal Budget brings good and bad news for millennials. Mostly bad.

    When it comes to home ownership, Canada’s millennials are already facing discordant conditions. The country is experiencing its lowest wage growth rate in 15 years, while housing affordability is at a 25-year low.

    Vancouver’s affordability has reached 87.6 per cent — which means the amount of pre-tax income (the median) those in the West Coast city would need to cover the mortgage payments, property taxes and utilities of a new home. Toronto is the second most expensive city at 60.6 per cent affordability.

    Yet, it’s likely the new $11 billion National Housing Strategy announced by Finance Minister Bill Morneau won’t have any effect on runaway home prices. Geared towards “vulnerable citizens, including: seniors, Indigenous Peoples, survivors fleeing domestic violence, persons with disabilities, those dealing with mental health issues, and veterans,” the housing is not meant

    Read More »from Why Canada's millennials were hit hardest by the 2017 Federal Budget
  • Quebec's TVA Nouvelles has had four ground beef products tested, and found pork in three of them. (Time)
    Quebec’s TVA Nouvelles has had four ground beef products tested, and found pork in three of them. (Time)

    A Quebec news outlet says it has exposed some grocery stores who blend pork into ground meat products that are being sold as ground beef.

    TVA Nouvelles’ Le Québec Matin published a story Thursday, claiming that out of four packages of ground beef it tested, three of the packages contained pork DNA.

    The news outlet partnered with food laboratory Groupe EnvironeX, who specializes in testing food products in Quebec for allergens, toxins and food purity.

    They purchased four ground beef products at four different grocery stores in Quebec, and took them to Groupe EnvironeX for testing. Three out of the four beef products showed evidence of containing pork DNA.

    “It’s not normal to find pork DNA in ground beef,” Marc Hamilton, president of Groupe EnvironeX told Le Québec Matin. Groupe EnvironeX, a private laboratory facility, offers enzyme-linked immunosorbent assay (ELISA) technology to

    Read More »from Quebec grocery stores accused of blending pork into beef products
  • A student's guide to surviving tax season

    University and college students eligible for tuition credits in Canada (Getty)
    A student studies legal texts in the law faculty at Humboldt University prior to the beginning of the winter semester on October 11, 2011 in Berlin, Germany. (Getty)

    As Ontario moves ahead with its revamped Ontario Student Assistance Program (OSAP), offering free average tuition to lower-income students, there are some tax credit casualties. While there aren’t many major changes compared to last year, Jonathan Braun, manager of tax and estate planning with Investors Group offered a refresher on the current deductions and credits Canadian students can use to lessen their tax burden for 2016.

    Tuition tax credit

    With the non-refundable tuition tax credit, post-secondary students can recoup 15 per cent (the lowest federal income tax rate) of total tuition fees paid, provided you paid more than $100 for the courses in 2016.

    “But students may not necessarily have the income to use those credits,” explains Braun. In that case, they can carry them over until they graduate and are making enough

    Read More »from A student's guide to surviving tax season
  • How to get free books, music and movies on any device

    Just because you can afford a smartphone or tablet doesn’t mean you should blow your budget on entertainment for your devices – such as movies, TV shows, music, ebooks, and audiobooks.

    In fact, if you know where to look, there’s no shortage of high-quality, legal and completely free media to consume at home or on the go.

    You already know about downloadable games and apps you don’t need to pay for, but there’s so much more to take advantage of.

    The following is a look at a few suggestions. And feel free to share your own favourite n’ free picks for your smartphone, tablet, or laptop.


    Why buy books when you can borrow them instead?

    Using the free Overdrive app, you can borrow ebooks and audiobooks from your local library. And it’s not just the classics, but current bestsellers, too.

    Borrowing books digitally means you don’t have to physically make your way to a library, plus you’ll never face late fees again. All you need is your library card and the free OverDrive installed

    Read More »from How to get free books, music and movies on any device
  • ‘Fundamentally unfair’: Bell and Rogers ask bars to cough up extra fees for TSN and Sportsnet
    Fans react to Canada’s 1-0 victory to USA in men’s hockey at the Olympics, to move on to play the gold medal game, Friday, February 21, 2014 in a Levis Que. sports bar. (THE CANADIAN PRESS/Jacques Boissinot)

    While the number of Canadians opting to cut the cord on their cable continues to grow, watching live sporting events has remained one of the last roadblocks for many subscribers from going cold turkey.

    For those who have made the jump, going to bars to watch big games is a great alternative option.

    However, new changes to commercial television packages might force those establishments to consider the value of their own subscriptions.

    Rogers and Bell Media have decided to cut TSN and Sportsnet from their bundled channel lineups that are offered to businesses with a liquor licence, which could cause their monthly fees to spike.

    These two specialty channels as well as their various regional feeds, which have the rights to broadcast the vast majority of significant sporting events in

    Read More »from ‘Fundamentally unfair’: Bell and Rogers ask bars to cough up extra fees for TSN and Sportsnet
  • Grush your teeth: new device turns oral hygiene into a game

    Grush your teeth: new devices aims to make oral hygiene fun for kids
    (Digital Trends)

    From new smartphones, electric cars, virtual reality devices, drones and wearable technology, there will be something for everyone at the 2017 Consumer Electronic Show.

    But if you’re a parent, there’s one new gadget making the rounds that may be of particular interest: the Grush.

    The toothbrush promises to turn what many children see as a chore into a game.

    It connects to mobile devices and aims to encourage children to spend 30 seconds brushing each quadrant of their mouths, with the proper angle and technique, through interactive games.

    According to Grush’s website, the device currently has three games: “Monster Chase,” where children can chase away “baddies” by brush them off an on-screen mouth that corresponds to their own; “Toothy Orchestra,” where kids conduct music across their teeth: and “Brush-a-Pet,” where the goal is to help raise a giraffe.

    After each round of brushing, children are awarded a score or a “Grush Factor.”

    The Grush also has a Bluetooth motion

    Read More »from Grush your teeth: new device turns oral hygiene into a game
  • Buyer boo-ware: What happens if you buy a haunted house?

    Haunted house

    [What could possibly go wrong?]

    There are many things buyers should consider when purchasing a new home – is it close to their work? A good school? What’s its walk score? But should a property’s past be considered as well?

    If living in a house that is rumoured to be haunted, or where a traumatic death has occurred, might bother you, then yes, you should ask up front about the home’s history. There is no law in Canada that states sellers must disclose information regarding past events, so it’s up to the buyer to protect themselves.

    “The law basically says to a buyer, ‘buyer beware.’ Do your homework; sellers don’t have to disclose it,” says Mark Weisleder, a Partner at Real Estate Lawyers.ca LLP, a real estate law firm in Ontario.

    He does say that real estate agents, under their own code of ethics, might have to disclose whether a home has a troubled past. However, buyers nervous about an unsavoury history affecting their property’s worth should protect themselves by looking into it

    Read More »from Buyer boo-ware: What happens if you buy a haunted house?
  • This suitcase follows you around the airport

    This luggage will follow you around the airport

    Navigating the airport with your baggage could soon get a bit easier, thanks to an invention by a California company.

    Travelmate Robotics has created an autonomous suitcase that will trail you by tracking the location of your smartphone.

    The Travelmate is designed to tail owners by three to five feet (0.9 to 1.5 metres) and rolls behind them – upright or on its side — much like BB-8 or R2D2 dutifully follow their human counterparts in the “Star Wars” films.

    “Suitcases haven’t really changed for the past couple of decades. It’s overdue for innovation,” the company’s CEO, David Near, told CNN Money.

    While the device won’t be able to keep up with a human who is running to catch a flight (the average human can reach 24 kilometres an hour), with a top speed of nearly 11 km/h it can exceed most people’s walking speed, which is about 5 km/h.

    Travelmate Robotics has launched an Indiegogo campaign to raise funds for commercial production and plans to offer the mobile luggage in

    Read More »from This suitcase follows you around the airport
  • Knowing when (and how) to break-up with your bank

    Karen Collacutt recently went through a tough break-up. Her bank, it seems, just wasn’t that into her – or rather, it wasn’t that into having her business.

    “The bank my husband and I had been working with was a smaller (one)… their hours got less and less and their technology wasn’t up to par,” explains the certified financial planner and founder/prosperity coach at ProsperologyU. “It was becoming really difficult to work with them and so we went through this process of: how are we going to change and how do we change?”

    Like any relationship breaking up with your bank can be hard to do; there are a lot of moving parts, a lot of things to consider. That’s why Collacutt advises anyone considering making a change to fully examine the root problem first.

    “When you have a challenge with a bank, the first thing you want to do is see if you can resolve the problem,” she says.

    Typically, the main concerns Collacutt comes across amongst clients are related to customer service or technology.

    Read More »from Knowing when (and how) to break-up with your bank
  • [nuTonomy beat Uber and Google to the punch, launching the world’s first self-driving taxi in Singapore in August. (IB Times)]

    The weirdest taxi ride I’ve ever experience happened a few years ago on my birthday on one unusually warm winter night in Toronto.

    The driver passed around a tambourine so passengers could accompany his (bad) singing as he rambled on about the local tourist attractions.

    Unfortunately, the music distracted him from his primary responsibility and my companion, a visitor from a smaller city, nervously leaned over to whisper “Is this normal?” in my ear. “Absolutely not,” I replied, nervously watching the road as we lurched back and forth between the streetcar tracks and the other curb .

    I wish I had a photo of that bizarrely-decorated car to show you, but that night I was more concerned with seeing my next birthday.

    With that in mind, a self-driving taxi service pilot project in Singapore seems like an excellent idea.

    The company, nuTonomy, beat Uber’s planned

    Read More »from Cars are becoming autonomous — is Canada ready?
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    When I was getting cold feet after signing the purchase agreement for a home a few years ago, I confessed to my family that I was feeling sick about owing that much money.

    “That feeling will go away as soon as you put the ‘For Sale’ sign on the lawn” was their reply. Gulp.

    For most people, buying a first house or condo is exciting and a big leap into adulthood. But it doesn’t take long for the cold hard reality of mortgage payments, taxes and unexpected repairs to set in.

    Mortgage rates have been low for years now — long enough for young buyers to think that rates below 3 per cent are normal, but historically speaking, they’re not. It’s enough to tempt buyers who should probably save a little more and build their credit rating before buying their first home, but the rush to get into the market can leave some buyers at the mercy of unscrupulous or even criminal agents.

    There are a number of ways homeowners can become victims of real estate scams:

    Fraud for Rate (or Fraud for Shelter)


    Read More »from Common real estate scams and how to avoid them
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    Trying to become a first-time homebuyer in the Greater Toronto Area’s red-hot real estate market has been one of the most challenging experiences of my life. My fiancée and I knew it wasn’t going to be easy, but we had no idea it would be quite this hard.

    We’ve lost bidding wars time after time in heart-wrenching fashion and went through the emotional roller coaster that goes with potentially making the largest investment of our lives. It’s become clear to us that getting a house in this market requires a lot of patience and a bit of luck.

    Before we started, we wanted to make sure we were doing everything responsibly. We paid off our debts and saved up for a down payment. We got pre-approved for a bank mortgage and set a budget based on what we could afford. We contacted a reputable realtor and decided on what would best suit our needs. We went in with open minds that were eager to learn and ready to act.

    We quickly realized that if we liked a place, we weren’t going to be alone. Agents

    Read More »from What it’s like to be a first-time homebuyer in Toronto’s scorching real estate market
  • [Renting is increasingly becoming the best option for many seeking out a new home.]

    Moshe Milevsky has noticed a change of attitude in the 20-somethings he teaches in his finance class at York University’s Schulich School of Business in Toronto.

    “I have 90 students in the class and I was discussing home ownership. They view [it] as something unattainable. It’s almost as if they’ve sort of given up on that idea,” he says.

    With semi-detached houses in Toronto averaging close to $800,000 and detached going for $1.2 million, it’s not surprising that young Torontonians might have trouble envisioning getting into the market at any level.

    The sympathetic would include other wanna-be homeowners who have watched the affordable pockets of the Greater Toronto Area (GTA) close up as the city’s home prices have risen more than 15 per cent over the past year alone, and roughly doubled over the past decade.

    Many opt for the commuter approach, buying in Pickering, Markham, Newmarket, or other ‘G’

    Read More »from Home prices making you sick? Renting is always an option
  • Test your knowledge with our weekly finance quiz

    Does your mood swing up and down with the TSX? Does the price of oil keep you up at night? If you’ve got your finger on the pulse of the business news scene in Canada, then this quiz on the week’s top business stories should be a breeze.

  • Legal fees, disbursements, discharging the current mortgage, capital gains taxes… selling a home often comes with an abundance of seemingly never-ending costs that can send your stress levels soaring, lighten up your wallet and often make you wonder why you thought selling was even a good idea in the first place. It’s no wonder more and more people are looking to save a few bucks when it comes to one of the most expensive costs—realtor fees.

    With the advent of so many DIY property-selling sites in Canada, listing your own home has never been easier or cheaper. Sites like PropertyGuys, ComFree and ForSaleByOwner offer all-inclusive, flat-fee packages priced anywhere from $400-$800, and can include exposure on popular property-searching sites like Realtor.ca. These companies promise to help inexperienced owners price, promote and negotiate the sale of their homes, all while potentially saving tens of thousands of dollars in realtor fees.

    Given the skyrocketing housing market (the MLS

    Read More »from Going it alone? The pitfalls of selling your home without a real estate agent
  • There might not be any more concrete proof that Millennials are generation that grew up on the Internet – and its wide array of cute animal videos – than their preference for pets

    According to a survey released by research firm Mintel, which polled more than 2,000 adults, three-quarters of Americans in their 30s have dogs, and 51 per cent have cats.

    That’s significantly higher than the national average of 50 per cent and 35 per cent for dog and cat ownership respectively.

    Previous findings have suggested that Millennials are also far more likely to be living with their parents rather than a spouse or partner, in comparison to the youth of 50 years ago. 

    Millennials are also postponing marriage, or eschewing it all together, and facing declining wages and weak job opportunities.

    All of these factors may be leading them to choose pets over parenthood.

    “Pets are becoming a replacement for children,” Jean Twenge, a psychology professor at San Diego State University told the Washington

    Read More »from Millennials opting for pets instead of kids
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    [NEW YORK, NY - SEPTEMBER 13:  Traders and financial professionals work on the floor of the New York Stock Exchange (NYSE) ahead of the closing bell, September 13, 2016 in New York City. The Dow Jones industrial average fell 258 points on Tuesday. (Photo by Drew Angerer/Getty Images)]

    It’s like that unexpectedly chilly day in mid-September when you really know summer’s over.

    For investors, what had been a good summer on the stock markets came crashing to a halt on Sept. 9 when stocks dove after comments from the U.S. Federal Reserve raised worries that U.S. interest rates might rise sooner than previously expected. The following Monday, Asian markets did the same.

    Of course, with the U.S. election just weeks away, markets are as prone to overreaction as ever. But the coming U.S. rate hikes are just part of what some say is a turning point for several central banks, as Japan may be trying to push its long-term rates higher and there is uncertainty about how long the European Central Bank

    Read More »from Autumn market volatility means it’s time to take stock of investments
  • Test your knowledge with our weekly finance quiz

    Does your mood swing up and down with the TSX? Does the price of oil keep you up at night? If you’ve got your finger on the pulse of the business news scene in Canada, then this quiz on the week’s top business stories should be a breeze.

  • Some people keep their model car collections on display in their homes, but if you’re an ultra-wealthy gearhead living in Miami, you buy a separate house specifically designed to show off your vehicles – at least, that's what one new company is hoping.

    AutoHouse, which bills itself as the “ultimate private showcase and members-only club,” is planning on constructing a condo building in the city’s downtown whose only tenants are luxury cars and motorcycles.

    The seven-storey project will house 45 units, or "AutoSuites," with prices starting at $350,000 – or roughly the average cost of a four-bedroom home in Miami – for a display space designed for two cars, and reaching as high as $1.5 million for 2,200 square feet, according to CNN Money.

    Units can also be combined, or buyers can take over entire floors, which would accommodate up to 55 cars.

    These glorified parking garages will also offer around-the-clock security with a web-based surveillance system allowing owners to check on their

    Read More »from This company wants to build a $1.5M luxury condo for your car
  • Even the snobbiest of shutterbugs can’t deny smartphones are getting much better at taking photos and shooting video.

    Over the years we’ve seen larger sensors to let more light in, more megapixels for greater detail, better image stabilization for sharper pics, faster processors to handle the task at hand and better all-around battery performance.

    But even with these advancements, there’s still one obvious shortcoming to smartphone photography: the lens. There’s no optical zoom to get closer to a subject, nor is there good support for macro shots (extreme close-ups), fisheye support, or wide-angle photos on most phones.

    In response to these shortcomings, there’s a growing market for lenses as an accessory, which clamp onto the phone’s existing lens.

    They sound like a great idea, but are they just a gimmick?

    We set out to see for ourselves, and also enlisted some help from a professional photographer.

    Snap on, snap off

    “Quite simply, the lenses work like eyeglasses,” explains Jason

    Read More »from Camera lenses for your smartphone: are they worth the money?
  • While businesses may be able to cut down on lines and make shopping easier by using self-service checkouts, they may also give thieves “ready-made excuses” for stealing products, according to a recent study.

    The report, authored by professors Adrian Beck and Matt Hopkins of Leicester University, collected data through interviews with staff, security experts, app developers and visits to stores from four major retailers (two from the U.S., one from Belgium and one from Holland).

    It also examined statistics on nearly 12 million shopping trips from the four retailers between December 2012 and February 2015.

    The study indicated that the use of these self-service technologies and other apps used to make purchases lead to a loss rate of nearly four per cent, more than double the average.

    Losing revenue is never good news for a business, but it seems even worse in light of the fact that a typical profit margin among European grocers is three per cent.

    This means that many businesses that are

    Read More »from Self-serve checkouts could tempt shoppers into theft
  • Canadians often have to deal with the stereotypes about the Great White North when speaking with foreigners: ‘No. We don’t live in igloos. Yes. It is cold but not that cold.”

    But sometimes these assumptions work out in our favour. Take for example Dani Reiss, the CEO of Canada Goose, who was at a tradeshow in Germany during his early days at the company, when he realized that Europeans trusted Canadian-made outwear to withstand the rigors of a frigid environment.

    “For them, the connection between outwear designed for the coldest places on Earth and the Canadian climate was obvious,” he told Yahoo Finance Canada in an email.

    The company, originally called Metro Sportswear Ltd., was founded in a small warehouse in Toronto by Reiss’ grandfather, Sam Tick, nearly 60 years ago, and its goose-down parkas, jackets and other accessories are still made in Canada. 

    But for Reiss, the benefits of manufacturing its products in Canada go beyond their air of authenticity.

    He said he takes pride in

    Read More »from The difficulties of getting products made in Canada
  • Canadians consume marijuana. They smoke it. They eat it. They use its extracts and derivatives.

    Statistics Canada found that 43 per cent of Canadians over the age of 15 have tried the drug and 33.5 per cent have used it more than once.

    Furthermore, in a 2015 poll by Forum Research just under one-fifth of participants, or 18 per cent, admitted to having consumed the drug in the past year, with an added 13 per cent saying they would be more likely to do so if it were legal.

    And with Canada lurching towards legalization, many businesses are looking to get into the market, including Canada Post.

    A task force studying the floundering Crown Corporation released a 94-page discussion paper earlier this week that found “fundamental and transformational changes” are need to save it from having to be propped up by taxpayers.

    One of the changes suggested was the distribution of marijuana across the country by Canada's postal service, with its more than 6,200 post offices and pickup locations also

    Read More »from Marijuana delivery proposed as a way to save Canada Post
  • One million Canadians at risk of payment shock if interest rates rise

    Nearly one million of the 26 million credit-active Canadians could be in for a “payment shock” if the Bank of Canada ups its interest rates, according to a new report by credit information giant TransUnion Canada.

    A 0.25 percentage point increase to the Bank of Canada’s Target Overnight Interest Rate, which currently stands at 0.5 per cent, would cost nearly one in six borrowers an extra $50 a month, while a a one percentage point increase would tack on a $50 or more charge for 40 per cent of Canadians with a variable rate mortgage or line of credit with $50 more a month.

    While the central bank has given no inclination towards boosting rates anytime soon, the record lows the Bank of Canada has maintained – down from a high of 4.5 per cent in 2007 – are meant to stimulate the economy and are apt to rise in tandem with recovery.

    For the seven million Canadians with a line of credit or variable-rate mortgage, preparing for those increases means focusing on the larger debts like your

    Read More »from One million Canadians at risk of payment shock if interest rates rise
  • It seems like just yesterday we were all being promised amazing new technology and the best phone yet with the release of the iPhone 6 and the iPhone 6 Plus. But like youth, technology is fleeting. And so here we are again, this time on the verge of complete iPhone 7 pandemonium. Anxious Mac-lovers are already plotting lineup survival at their local Apple stores so they can be among the first to get their hands on the new devices when it goes on sale September 16, effectively stashing away their old ones to gather techno-dust.

    But it doesn’t have to be this way.

    If you’re among those who are looking to upgrade your phone, here are just a few things you can do with your old device.

    Transform it into an alarm clock

    Naw, we’re not talking about just setting the “Clock” function every night. Download one of the many alarm clock apps out there, and personalize it depending on what kind of a sleeper you are. Need to know that the apocalypse is coming in order to wake up in the morning?

    Read More »from 11 things to do with that ‘outdated’ iPhone
  • Dairy producers in Australia, the European Union, Mexico, New Zealand and the United States are pushing for their respective governments to take Canada to task over a new deal between farmers and the dairy industry that they say violates their international trade obligations. 

    In a letter released publicly on Monday, the dairy associations said the new deal places Canada in contravention of its World Trade Organization (WTO) and North American Free Trade Agreement (NAFTA) obligations and called for their respective governments to initiate a dispute settlement proceeding through the WTO. 

    The groups said the new deal -- which was agreed upon by the Dairy Farmers of Canada and the Dairy Processors Association of Canada in July -- favours Canadian dairy ingredients over imports and subsidizes the export of local products to “unfairly compete” with those abroad.

    “Canada’s increasingly protectionist policies violate their international trade obligations, hold out the prospect of trade

    Read More »from Global dairy producers protest new deal for Canadian milk products
  • Who earns more — the country or the company?

    Saudi Arabia or Walmart? India or Apple? Switzerland or Berkshire Hathaway? Social justice organization Global Justice Now ranks the world's countries and companies based on their 2015 revenue in U.S. dollars.

  • After a difficult summer that saw the newspaper lay off more than 50 employees and reveal that it posted a $24.3 million loss in the second quarter of 2016, the Toronto Star is hoping to capitalize on a traditional morning routine to change its fortunes.

    On Monday, the country’s second-most read daily newspaper announced that it is launching a new service called Headline Coffee, which brings its readers in the Greater Toronto Area “high-quality, ethically-sourced ground or whole-bean coffee,” each month at the cost of $20.

    “Toronto residents love their coffee and they love reading the news,” states the press release.

    “Now, the Toronto Star is matching coffee lovers and one of their favourite pastimes with the launch of Headline Coffee."

    The newspapers said 75 per cent of its readers enjoy a cup of a coffee while enjoying the Star's content. 

    The service promises to bring its users a new coffee from a different part of the world each month.

    The Star is likely looking to capitalize on

    Read More »from Toronto Star offers new coffee delivery service
  • Picking the right line at the grocery store can make a world of difference.

    It is a split-second decision that could end, ideally, with the patrons in front of you breezing through the checkout and you getting out of the grocery store stress-free, or it could be a nightmarish experience that leaves you frustrated by the impossibly slow pace of the people in front of you and with an intense grumbling in your stomach as you long to get home and whip together the array of delectable ingredients in your cart.

    The line that will lead you to a quick escape, however, may surprise you.

    Dan Meyer, a former high school math teacher and chief academic officer at Desmos, told the New York Times that the key to getting out of the store faster is getting behind a shopper with a full cart rather than a line with numerous people with fewer items.

    In his research he has found that on average it requires 41 seconds per shopper to say hi, pay, say goodbye, gather their things and leave the area, while

    Read More »from How to spend less time in grocery store lines
  • Navigating your child's first cellphone

    With kids getting back into their daily routine of travelling to and from school, some parents are taking advantage of the back-to-school plans offered by phone providers to get them connected. And many are starting them younger than they have in the past, says Matthew Johnson, director of education at MediaSmarts – Canada’s Centre for Digital and Media Literacy.

    According to a survey by MediaSmarts conducted in 2015, more than a quarter of kids in grade four owned cellphones and another quarter had access to cell phones. By grade 11 it was about 85 per cent.

    “It depends primarily on whether or not your children’s peers have them, that’s when they’re most likely to be asking for them,” says Johnston. “I know that parents will often give kids cellphones when they start walking to school on their own because they’re anxious about their kids being out of reach.”

    But even once you’ve decided to get them their first phone, figuring out which device and plan to get, and cultivating a

    Read More »from Navigating your child's first cellphone


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