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Start Saving Now for September: Your RESP Checklist Before the School Year Hits

  Canadian Money Brief · Family Finance September feels a long way off on July 1. That's exactly why now is the right time to look at your child's RESP — not in late August when the school supply list arrives and the grant math gets rushed. If you have a Registered Education Savings Plan (or you've been meaning to open one), here's what to check right now, and why the calendar year — not the school year — is what actually matters. Why July, Not August The Canada Education Savings Grant (CESG) — the government's 20% match on RESP contributions — runs on the calendar year , not the school year. Grant room for 2026 resets on a January-to-December basis, and it doesn't carry any special "back to school" deadline. But summer is genuinely the best time to check your numbers, for three reasons: You still have six full months left in the year to top up if you're behind. Contributions made now have more time to grow before your child needs the money. You av...
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Unlocking Vitality: The Hidden Link Between Oral Health and Disease Prevention



While we diligently brush our teeth and floss, we often overlook the profound impact our oral health has on our entire body. Recent research sheds light on how maintaining good oral hygiene can significantly reduce the risk of serious health conditions. Let’s explore the secrets hidden within oral hygiene: 

1. The Mouth-Body Connection

Dr. Michael Roizen, chief wellness officer at Cleveland Clinic, emphasizes that oral health isn’t just about teeth and gums—it’s a gateway to overall well-being. Consider your body as a human donut (yes, you read that right!). There’s a tube running through us, allowing billions of microbes to enter as we breathe. When this protective barrier breaks down—whether due to gum disease or tooth decay—systemic inflammation occurs. These microbes now have a free path into our bloodstream, potentially wreaking havoc on our health.

2. The Alarming Statistics

An April 2022 report from The National Institutes of Health reveals that 90% of adults aged 20 to 64 experience tooth decay, while nearly 50% of adults aged 45 to 64 suffer from gum disease. These seemingly isolated oral issues have far-reaching consequences. Imagine your gums as gatekeepers—when they bleed, they allow harmful microbes to infiltrate your body.

3. The Silent Culprits

a. Diabetes Defense

Maintaining good oral hygiene is like flossing your way to better health. Research links poor oral health to an increased risk of diabetes, Alzheimer’s, stroke, and heart disease. Dental caries (tooth decay) and gum disease can enter the bloodstream, contributing to plaque disruption in arteries and promoting inflammation in the brain and other areas. Remember, flossing your teeth is equivalent to taking 8,000 steps a day—pretty powerful, right?

b. Alzheimer’s Armor

Dr. Maria Ryan, DDS, Ph.D., emphasizes that viewing our body as a connected system reinforces the importance of oral hygiene. Good oral health may even protect against Alzheimer’s disease. Until science catches up, daily flossing and regular dental check-ups are our best defense.

4. Your Dental Routine: A Lifesaver

Here’s the dental routine to follow:

  • Brush after meals (or at least twice a day) with a fluoride toothpaste.
  • Floss daily—it’s like giving your body a protective shield.
  • Remove and clean dentures daily, if you wear them.
  • Follow a healthy diet—your mouth and body will thank you.
  • Limit added sugar, especially sugary drinks.
  • Quit smoking—your gums will appreciate it.
  • Manage diabetes to keep blood sugar levels in check.

Remember, your smile isn’t just about aesthetics; it’s a window into your overall health. So, let’s floss, brush, and protect our well-being.

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