Page 31 - Sports Energy News, Cornwall, Issue No 140

www.sportsenergynews.com Issue 140 September 2024 31

By Brian Johnston by 12% or more for new or renewable mortgages
Continued from page 30
openings in the coming months and help reduce
Canadians are under.
the number of Canadians that are unable to make
New mortgage originations have also stalled due their monthly payment.”
to elevated interest rates, leading to an increase in Credit access has expanded, with the number of

housing supply as some potential buyers remain credit-active consumers growing by 3.7% year-
on the sidelines. over-year. Currently, 32 million Canadians, or
Matthew Fabian, director of financial services approximately 92% of credit-eligible adults,
research and consulting at TransUnion Canada, have at least one active credit product.

suggested that potential interest rate reductions
Younger generations are driving much of this
by the Bank of Canada could provide some
growth, with millennials and Gen Z contributing
relief to consumers. “However, lenders need
$98 billion to the increase in outstanding balances
to carefully monitor consumer behaviours and
year-over-year. Gen Z consumers, in particular,
predict and identify resilient versus vulnerable Rotary unites problem solvers around the globe behind one goal: to do more good. Our members are
driven to bring communities together to create lasting change. Connecting to make things better—
borrowers.” Fabian added, “Our analysis shows continued to enter the credit market at a rapid that’s what people of action do. Contact Rotary Club of Cornwall at rotaryclubofcornwall@gmail.com
.
that a 50 bps decrease in mortgage rates from pace, often starting with credit cards as their first
current levels could reduce mortgage payments credit product.

KARATE KOMMENTS look at when taking advantage of this “trial period.”

1) Respect: Are the instructors respectful in their teachings and are the
students respectful of one another? This respect should be natural and
not forced.
By Jim Riddell, 2) The teaching style of the instructors – Does the class appear to be

Seaway Karate Club properly planned, flowing smoothly without any downtime? Does the
instructor properly explain each skill? Does he/she break down intricate
moves into components to make them easier to learn? Does the instructor
ith summer of 2024 now behind us, many individuals are keep the class interactive, asking questions to ensure understanding? Are
Wcontemplating martial arts, either for themselves or for their these questions properly timed? Does the instructor positively reinforce
children. Making the decision to become involved in karate is a healthy the successful completion of a skill(s)? Does the instructor warn the
and exciting choice that could potentially become a part of your life for class of the potential risks of using improper methods and techniques?
decades. Karate is a sport that can improve your cardiovascular fitness,
3) Safety: Karate is a sport that has very few injuries, most instructors
strength, speed, and flexibility. When choosing a karate school, it is are proud of this fact and strive to provide a safe physical environment.
very important that you find one that meets your needs. There is no Take a look at the safety pads, kicking shields, and sparring equipment –
one school that has a “one size fits all” program that is a perfect fit
are they in good shape with no rips or tears? Are they regularly inspected
for everyone. There are many very good clubs of various styles, and for any damage?
what is important to you will help you make that decision. Some dojos
4) Be sure to discuss any health or physical concerns that you may have
have a combative nature, training members for kickboxing, continuous
sparring, or full contact competition. Some other karate schools may with the instructor, to ensure that these issues will be accommodated by
place an emphasis on sport competition, often requiring participation in the instructors and students.
tournaments. Others, such as our own Seaway Karate, focus on practical 5) Trust your instincts. A good dojo will have a safe, positive
self-defense and personal development. environment with a family atmosphere. If something doesn’t feel quite
right, you may be better off looking elsewhere. A good rule of thumb
People have many different reasons for getting involved in sport, with
self-defense being either at or near the top of almost everyone’s list. A is you should always feel better at the end of class than you did at the
beginning. Making the proper choice when choosing a dojo will make
few other reasons are 1) you may want to become physically active, 2)
for stress relief, 3)meet new people, 4) develop a new hobby, 5) training, you a part of a group where you truly belong. Studying with instructors
that you like and respect, and with fellow students that inspire you, will
growth, and development – maybe you would like to work towards
someday becoming a karate instructor with internationally recognized keep you committed to your goals, and you will have a sport that will
certification. Most clubs will offer a few trial classes, allowing you the become a part of your lifestyle.
time to determine if they are a good fit for you. Here are a few things to Karate Quote: If it doesn’t challenge you, it won’t change you.