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Our winter getaway over the last two days was supposed to include a couple of different activities: snow-tubing and outdoor skating. Well, our outdoor skating fell through, due to the extraordinarily warm conditions, however, we had a beautiful day yesterday on Kempenfelt Bay in Barrie, where we enjoyed some great outdoor time on frozen Lake Simcoe.

Today, after our delicious filling breakfast at Nicholyn Farms Bed and Breakfast, we headed off for another adventure: snowtubing at Horseshoe Valley. Unfortunately the weather today was even less cooperative: as the day progressed it went from freezing rain to rain to a veritable downpour as we drove back to Toronto.

Nevertheless the morning was cold enough for our snowtubing adventure. My 8-year old nephew had never been snowtubing before, and knowing his penchant for high-speed adrenaline-filled activities, we knew that he would fall in love with this sport.

Horseshoe Valley is one of several Ontario winter resorts and in addition to downhill skiing, cross-country skiing and skating, it also features a snow-tubing hill. It's a thrill to get pulled up on the hill, sitting on a refunctioned inner tube, and then getting linked up in a group of 2, 3 or 4 snow-tubers, who hold on to their neighbouring tuber's handle and then get pushed down the hill by one of the staff members - with a spin and a momentum that feels almost like a roller coaster!

Snowtubing is just one of the many fun winter activities that Ontario has to offer. Snow Valley Resort just on the other side of Highway 400 also offers snowtubing. Blue Mountain Resort in Collingwood is another place for Ontario snowtubing enthusiasts.

Skating:
Obviously hockey is Canada's national sport and skating runs in the veins of many residents of this northern country. Virtually all Ontario cities, towns and villages have outdoor skating rinks and indoor arenas. Outdoor skating is free in many cases, and indoor pleasure skating is generally a very inexpensive sport.

One of the best known skating Ontario opportunities exists in Ottawa, on the 7.8 km long Rideau Canal, the world's longest skating rink according to the Guiness Book of Records. The City of Ottawa lists its public skating information on the Internet.

Toronto's well-known outdoor skating venues include City Hall, Harbourfront and Grenadier Pond in HIgh Park and the City of Toronto provides a list of leisure skating opportunities in Toronto.

Skiing & snowboarding:
Although Ontario certainly doesn't have the greatest vertical drop compared to international ski resorts, but it does offer 41 resorts for downhill skiers and snowboarders at the Ski Ontario website.

Cross-country skiing & snowshoeing:
Ontario's more than 120 cross-country ski areas are rivalled only by Quebec for sheer number and variety. Ski areas are operated by various organizations ranging from parks to clubs and resorts. The Ski Ontario website provides an extensive listing of cross-country opportunities across Ontario. Special offers for snowshoeing and cross-country getaways are featured on the Ontario Outdoor website.

Snowmobiling:
Ontario offers more than 43,000 km (26,000 mi.) of maintained, interconnected, uncongested trails. It is the longest network of recreational trails in the world. The 248 member clubs of the Ontario Federation of Snowmobile Clubs build and maintain this extensive trail network. Find more information about snowmobiling in Ontario in the Ontario Snowmobiler Magazine.

Iceclimbing:
The north of Ontario is the heart of Ontario's iceclimbing country and features ice-clad routes with heights of more than 90 m. Special ice-climbing getaways are featured on the Ontario Outdoor Website.

Dogsledding:
Dog sledding has evolved from a utilitarian form of transport in northern countries to a unique travel experience. Some dogsledding operators have a guide drive the team, where at other places you may drive the sled yourself. The Ontario Outdoor Website features a variety of dog sledding adventures and getaways.

Urban Winter Getaways:
For those who want to enjoy the best that Ontario's cities have to offer over the winter time, there are a variety of special events going on. Many cities and towns throughout Ontario feature special winter festivals, starting with many festivals of light, tree lighting ceremonies and New Year's celebrations in November and December, and continuing with a variety of special events, trade fairs and restaurant promotions throughout January and February. The Success with Ontario website features a listing of Ontario's Festivals and events.

Major festivals include:
Toronto's WinterCity Festival and Winterlicious
Ottawa's Winterlude Winter Festival
Niagara's Icewine Festival

Ontario Accommodation Choices:
Ontario offers a wide variety of choices for getaways. From all-inclusive feature-packed resorts, to down-to-earth farm vacations, to cozy bed and breafasts, secluded cottages and chalets and inviting country inns, Ontario has a wide selection of accommodation providers. Unique boutique hotels, and centrally located urban hotels round out the accommodation offers. Ontario Travel's website offers a great overview of the accommodation choices available in Ontario.

There is plenty to do in the winter in Ontario, indoors and out. Nature lovers, urban explorers, adrenaline junkies, and romantic lovebirds will all find something to choose from to brighten up those cold winter days.

So you're in the market for a new cell phone plan. You start your cell phone search online to give you an idea on wireless phone service prices. Free cell phones, get a free cell phone, the lowest cell phone rates, compare cell phone rates. Starting to look familiar?

Free cell phone offers and low cellular rate plans are indeed enticing, but are they really the cheapest cell phone plans? To say they have the cheapest cell phone service is also to say they know your calling habits. There is more to cell phone rates than cents per minute.

Isn't the cheapest cell phone plan the one with the smallest bill at the end of each month? It makes sense to me. So how do you find the best cell phone plan with the lowest cellular rates that will leave you with the cheapest cell phone bill at the end of each month?

Cell phone plans come in two forms. Prepaid cell phones, otherwise known as pay as you go cell phone service, and regular monthly cell phone plans. When deciding which is best for you, think about how much you'll use the cellular service each month.

Prepaid cell phone plans are great if you will not be using the cell phone very often. If you use a cell phone for emergencies only, you'll benefit from pay as you go since it doesn't cost much to add minutes to your prepaid cell phone and you won't need to top up again for awhile.

Monthly cell phone plans are best if you are going to use your cellular service often, since many cell phone services offer unlimited nights and weekends, free mobile to mobile, and a healthy amount of anytime minutes. You can even get a free cell phone with a service agreement.

The secret formula to getting the cheapest cell phone plan for you is, usage, plus rates, plus incentives. Incentives being the freebies like free cell phones or free minutes. Find a healthy balance of all three factors, and you'll have your cheapest cell phone plan.

Every year we go through the same process of making our list of people we need to buy for and agonize over those one or two people that are almost impossible to buy for. You spend all that time at the mall or online trying to find an appropriate gift that says care and attention went into this gift.

Well this year you may be able to do something a little different, especially for the ones who are hard to buy for.

Every home you go to you will see art prints, posters or photographs adorning the walls. If you go through a gallery of motivational posters you will find prints of all kinds that have inspirational sayings such as Goals-Dolphin, which says, There is no end to the amount of things you can accomplish. This is great for home or office. Office gifts are often the more tricky gifts and a motivational poster is the kind of gift that is beautiful and inspirational.

For the person you are buying for, are they interested in hockey, football, baseball, golf, the military, extreme sports, rock climbing, animals, flowers, ethnic art, etc.? So many areas have been covered that you should be able to find what you are looking for.

Some examples of extraordinary pictures such as a print called, Perseverance-Cliff Hanger with a saying, What the mind can conceive and believe, it can achieve. Or, Challenge-Runner with this saying, Winners must have two things; definite goals and a burning desire to achieve them!

Art is universal, so remember, When Art Inspires, dreams Become Reality!

If you're dreaming of making money in real estate, it's time to stop dreaming and get to work, because making money in real estate isn't just a vague pipedream. It can be done, even by a young and inexperienced person, when you learn how to flip houses.

A friend of mine, we'll call her Tai, made a fortune in real estate, beginning at the age of twenty, with no help from anyone else. Here's how she did it:

Tai began by buying a HUD repo, which allowed her to get into the house for no money down. Then she fixed it up and sold it herself. At closing, she had made enough profit to by a second fixer-upper, but this time, she paid all cash. Tai went right to work fixing her second house, and when she sold that one, she collected profit of $44,000, which allowed her to pay cash for her third house!

By now, Tai was comfortable with her formula, and within a short time, she had flipped her third house, realizing enough profit to pay cash for yet another house, as well as being able to buy the custom pickup of her dreams. And all of this had happened in the span of just nine months!

Tais formula was simple. She located houses that needed only cosmetic work, avoiding those that required structural repairs. She did all the painting herself, inside and out, and updated the home's lighting, plumbing fixtures, and carpeting. Once renovations had been completed, all three houses sold quickly, and at a significant profit.

It's the most tried-and-true way to make a fortune in real estate, so don't listen to anyone who tries to tell you that it can't be done or that you need to have a great deal of start-up money. That's not true. You can buy houses with no money down through various loan programs, and sellers will often help you with the closing costs.

I know what I'm talking about! My husband and I bought our 27th house earlier this year, for no money down, and we expect to make a profit of at least $100,000 for just one month of hard work!

But we take the process a step further, making our houses outshine the competition by also using Design Psychology, although our buyers never know that. All they know is that they feel good when they're in our homes, which makes them want to buy them, even if they're more expensive than the house next door.

There's no other business that can make you as much money, with as little start-up cost, in as short a time, as investing in real estate. In fact, more millionaires made their fortunes in real estate than in any other business. And you can do it, too. You just have to stop dreaming and get started.

(c) Copyright 2004, Jeanette J. Fisher. All rights reserved.