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Vancouver Monday, June 5, 2017

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Your essential daily news

Monday, June 5, 2017

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LONDON terror ATTACK

‘Tell them Chrissy sent you’ Carry on her work, requests family of sole Canadian slain

Christine Archibald of British Columbia, pictured with her fiancé Tyler Ferguson, was identified as one of the victims killed in the terror attack on London Bridge and in the bustling produce market nearby. Facebook

The Canadian killed in Saturday’s terror attack in London is being remembered by family as the kind of selfless person who “would have no understanding of the callous cruelty that caused her death.” Christine “Chrissy” Archibald, 30, grew up in Castlegar, B.C. She worked at a shelter in Calgary before recently moving to Europe to be with her fiancé. “She had room in her heart for everyone and believed strongly that every person was to be valued and respected,” read a statement released by her family. They asked people to honour her memory by volunteering their time and labour to a homeless shelter — and to “tell them Chrissy sent you.” Kathy Christiansen, executive director of Alpha House in Calgary, said Archibald will remain in the hearts of her friends and former colleagues. The young woman was a talented social worker and an “exceptional human being,” Christiansen said in a statement. “Chrissy was a bright light to many, and her generosity, kind spirit and huge heart for her work in responding to issues

of addictions and homelessness at the centre inspired us all.” Archibald completed her social-work degree at Mount Royal University. President David Docherty said their community was saddened by the news. “Christine Archibald was a truly outstanding student,” he said. “Our deepest condolences go to her family and loved ones, as well as to members of our community who are grieving her loss.” Archibald was one of seven killed in Saturday’s attack, which began with three men driving a van into pedestrians on London Bridge. The sister of Tyler Ferguson, Archibald’s fiancé, said the couple was on the bridge when Archibald was hit and that she died in his arms. After exiting the van, the attackers ran down a set of stairs into Borough Market, where they stabbed people in several different restaurants. In addition to the seven fatalities, 48 other victims were sent to hospital. Police gunned down the three perpetrators, who were wearing fake suicide vests. Premier Christy Clark issued a statement saying her thoughts are with the Archibald family and with everyone who knew and loved Chrissy. “As her family and province mourn, we must never forget who we are — and the diversity that makes us strong,” Clark said. metro/the Canadian Press

plus U.K. election campaign suspended • Twelve suspects arrested metroNEWS


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Your essential daily news

Vicky Mochama: Mavis Otuteye’s death stems from our failure to address the migrant crisis. Views

Bar on wheels rolls into New Westminster festival fridays on front

Entire block licensed for alcohol consumption Matt Kieltyka

Metro | Vancouver The next evolution of food trucks will soon make weekly stops in New Westminster, serving local craft beer to festivalgoers. That’s right, Metro Vancouver now has a bar truck. The Downtown New Westminster Business Improvement Association has announced a new weekly night market starting Friday, July 7 on Front Street. The 600 block of the street has pretty much been a no-go area for a lot of locals in the past two years because of constant construction, according to BIA events manager Angie Whitfield. That’s where the city demolished part of a massive threestorey parkade, reconstructed Front Street and made extensive changes to the nearby rail crossing and intersection to allow for train whistle cessation. “They’ve been through a lot for the past couple of years,” Whitfield told Metro of the impact on businesses. “Our main goal is just to have people think

The Vegabond bar truck serves beer to customers. Courtesy Downtown New Westminster BIA

They have the ability to go to any brewery in the Lower Mainland, pick up kegs, plug it into the truck and serve craft beer. Angie Whitfield of Front Street in a good positive light once again.” Now that most of the construction is done and that section of Front Street has been designed into a pedestrian-friendly promenade, the BIA will start hosting Fridays on Front.

The weekly festival will feature a farmers market, craft market, food trucks, live music and outdoor activities from neighbouring businesses. It has also booked the Vegabond Event Bar Company to set up shop with its beer truck to

serve suds from New Westminster’s Steel and Oak brewery. Whitfield said it’s the first public Lower Mainland festival to feature a beer truck and is the first time the city has ever licensed an entire block for an event. People are free to buy a beer and walk around wherever they’d like. “When we started doing visioning of what would make a street market really something unique, we heard over and over again everyone say, ‘Well, if we

could get a beer and walk down the street, it would be really amazing,’” said Whitfield. “We first started conversations with the city and they were really supportive of it. It’s the first time the city has done it and this will certainly be us trying to prove that it can happen in a responsible way and not cause issues.” Whitfield said the BIA connected with Vegabond, which mostly does private events like weddings, after it inquired about being part of its annual Columbia StrEAT food truck festival. “As soon as I saw the email in my inbox I thought, ‘Wow, this is cool.’ So we set up a meeting right away and now we’ve got them locked for the whole summer,” she said. “It’s a great business concept, the first one I had ever heard of. “They outfitted the truck with five kegs, so they have the ability to go to any brewery in the Lower Mainland, pick up kegs, plug it into the truck and serve craft beer.” Whitfield said the BIA’s focus is on getting local residents back on Front Street, but expects a healthy number of visitors from other parts of the region. “There’s two SkyTrain stations steps away from the footprint we’ve chosen for the event, so it makes it an easy event for all of Surrey, Burnaby and Vancouver to get to,” she said. The first Friday on Front will be held July 7 from 5 to 8 p.m.

wildlife

Saanich police behooved to warn of unruly deer

Move over, Richmond’s “Grabby” the sea lion. Unusually “aggressive” deer had denizens of another British Columbia town on the defensive Sunday. After at least two reports of deer-human encounters gone bad, it behooved Saanich police to issue an official warning to residents, especially those walking dogs while local does protectively tend to their fawns. “Deer (particularly Does) they encounter at this time of year may have small fawns hidden nearby,” said a statement released by Saanich Police Department and the local pound, “and may react aggressively to

the presence of dogs and their owners.” The first incident saw a local man phone in to claim “he was the subject of an unprovoked deer attack” around noon Sunday, according to Staff Sgt. Chris Horsley in a statement. “The man was walking his small dog on Borden Street and was accosted by a doe. “The deer actively pursued him and his dog through the area and even followed him up onto a residential property, where the male took refuge on a porch. The doe followed him up onto the porch.” Neither man nor dog were

injured, Horsley said. But within two hours the detachment received another call after a deer entered the yard of a Gordon Head neighbourhood resident playing in his yard and tried to attack his dog. Even when he chased the deer away with a baseball bat, police noted, “the deer came back three times” onto the property. “While deer may seem to be placid and non-threatening, we must keep in mind they are still wild animals and by instinct may forcefully and aggressively defend their young against perceived threats,” Horsley explained. David P. Ball/Metro

Mule deer, like this one in California’s Topanga State Park in a 2008 photo, are common along the B.C. coast and Vancouver Island, including urban areas. David McNew/Getty Images

law society

First Nations laud removal of ‘hanging judge’ statue David P. Ball

Metro | Vancouver First Nations whose six chiefs were hanged by British Columbia’s first judge, Sir Matthew Begbie, are applauding the province’s Law Society for finally removing a statue celebrating him. The removal raises questions about other B.C. landmarks honouring Sir Matthew Begbie, nicknamed the “hanging judge” for his execution of six Tsilhqot’in Nation chiefs after the Chilcotin War. Despite several cities hosting Begbie tributes, he remains notorious to this day, particularly among the Tsilhqot’in — whom he referred to as “savage” and “cruel, murdering pirates.” “The Law Society is right to admit to past mistakes and get rid of this monument to injustice and symbol of B.C.’s colonial past,” said Tsilhqot’in National Government Chief Joe Alphonse in a statement. “The Tsilhqot’in Nation honours our War Chiefs … for their courage and sacrifice. “They were heroes who defended their territory and traditional way of life against a foreign aggressor. In this time of truth and reconciliation, Indigenous history and experiences can no longer be ignored.” In a 2014 ceremony, Premier Christy Clark “fully exonerated of any crime or wrongdoing” the executed Tsilhqot’in chiefs. “This is an important step in our journey toward reconciliation with Indigenous peoples in British Columbia,” said Law Society president Herman Van Ommen in an April 14 statement. The Society plans to “replace it with a more unifying and inclusive symbol in due course … to ensure that all members of our community feel comfortable and included in our premises.” East Vancouver hosts Sir Matthew Begbie Elementary School on Lillooet Street. New Westminster has a street commemorating Begbie as well as a statue, and Port Coquitlam, Victoria, Kelowna and Revelstoke have roadways named after him too. Now the Tsilhqot’in National Government is calling on the province to remove other landmarks celebrating Judge Begbie “from all public places.” Metro was unable to reach the cities of Vancouver or New Westminster by time of publication Sunday.


4 Monday, June 5, 2017

Vancouver

Vancouver Digest Hundreds gather to mourn B.C. fire chief Hundreds gathered at a memorial in British Columbia’s Interior to honour a fire chief swept away in a swollen creek last month. Clayton Cassidy went missing on May 5 while checking the water levels of Cache Creek and after an exhaustive search, his body was found by Ashcroft fire officials three weeks later. the canadian press

400 overdose deaths forecasted for 2017 Vancouver is on pace to meet a grim milestone as overdose deaths show no signs of slowing down. According to an updated released Friday, there were nine overdose deaths reported by Vancouver police in the week of May 22, totalling an estimated 170 overdose deaths in the city so far this year. Matt Kieltyka/Metro

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Vancouver author Eve Lazarus’ newest book Blood Sweat And Fear follows Insp. Jack Vance, a crime scientist extraordinaire. Courtesy Kerp Photography

‘Almost magical’

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Metro | Vancouver He was a pioneer in using science to solve crimes, faced death threats, invented a machine called “the robot detective” and was known as Canada’s Sherlock Holmes. But Vancouver’s Inspector Jack Vance is little known today, perhaps because of his low-key personality, the opposite of what we’ve come to expect from fictional portrayals of brooding, brilliant detectives who solve inscrutable cases while wrestling with their own demons. “The more I started reading about him the more fascinated

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I got, because he was so wellknown and so heralded back in that time period, yet there was virtually nothing about him now,” said Eve Lazarus, a Vancouver author and historian who published a book about Vance this spring. “I thought he’d be this big detective, but he wasn’t. He was very much like a high school principal or a professor. He just wanted to work in his lab and solve these mysteries and not really be bothered.” Vance never went to university and got all his chemistry training through working as a mining assayer. He was originally hired to be Vancouver’s city analyst, testing food, water and alcohol to make sure it was safe. But he proved to be a meticulous and ingenious forensics analyst, and as head of the Vancouver Police Department’s “Bureau of Science,” was in demand across British Columbia throughout the 1930s and 40s. Lazarus’ book is titled Blood, Sweat and Fear. Blood refers to

the first police case Vance was called upon to work in 1914: police needed to know whether stains found at a crime scene were blood or not. Fear refers to the seven attempts on his life in 1934, from several bombs sent to him through the mail and put under his car to an acid-hurling assailant who badly burned him. It was a period of Vancouver’s history when city hall and the police department were rife with corruption and both the police chief and mayor had ties to organized crime. The book documents Vance’s strong suspicion that the threats against his life were coming from within the police force. “His evidence alone was enough to put people away,” said Lazarus, who uses court documents, newspaper reports and Vance’s original case files to build her story. “They were so scared of him, of going up against his science in court, it was almost magical.”

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Empty homes tax deadline approaches The deadline for Vancouver homeowners to rent out empty dwellings or be fined is fast approaching. The city’s Empty Homes Tax is the first of its kind in Canada and aims to assuage the ongoing rental housing crisis by encouraging owners to rent out about vacant properties or be fined 1 per cent of the home’s assessed value. jeff hodson/metro


5

World

Manchester, ‘we’re gonna be all right’ Bombing

An emotional Ariana Grande performs at benefit concert Ariana Grande has paid tribute to the victims who died at her Manchester concert with an all-star affair in the city with the help of Katy Perry, Justin Bieber, Liam Gallagher, Miley Cyrus and others. Grande emerged onstage for the One Love Manchester concert Sunday. She appeared tearyeyed and emotional as she performed her hits Be Alright and Break Free. She told the audience, “Manchester, we’re gonna be all right.” Before her performance, she and her dancers held hands in solidarity. Grande sang multiple times throughout the three-hour-plus show, even duetting with Miley

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Ariana Grande performs on stage on Sunday in Manchester, England. getty images

Cyrus, the Black Eyed Peas, Mac Miller and the Parrs Wood High School Choir, one of the show’s strongest moments. Other performers featured were Coldplay, Pharrell Williams, Take That, Imogen Heap, Robbie Williams, Marcus Mum-

ford and more. The concert raised money for victims and those injured in the suicide bombing that struck at Grande’s May 22 show. Twentytwo people were killed and dozens more were injured. THE ASSOCIATED PRESS

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Police arrest a dozen after night of terror

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People are led to safety away from London Bridge on Saturday in London, England. Getty Images

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British police arrested a dozen people Sunday in a widening terrorism investigation after attackers using a van and large knives turned a balmy evening of nightlife into a bloodbath and killed seven people in the heart of London. Daesh claimed responsibility. Although the attackers were also dead, authorities raced to determine whether they had accomplices, and Prime Minister Theresa May warned that the country faced a new threat from copycat attacks. The country’s major political parties temporarily suspended campaigning with only days to go before the general election. May

killed the attackers within eight minutes of arriving at the scene. Eight officers fired some 50 rounds, said Assistant Commissioner Mark Rowley, the force’s head of counterterrorism. Daesh’s statement Sunday from its Aamaq news agency claimed the group’s “fighters” were responsible, according to the SITE Intelligence Group. Daesh has urged supporters to weaponize vehicles in attacks against the West. It was the third attack in Britain this year that Daesh has claimed — after a similar attack on Westminster Bridge in March and the Manchester concert bombing two weeks ago — and one of several involving vehicles in Europe, including last year’s Bastille Day rampage in the French city of Nice. Counterterrorism officers raided several addresses in Barking, an east London suburb, and arrested 12 people there Sunday, police said. THE ASSOCIATED PRESS

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PHILOSOPHER CAT by JasonMonday Logan , June 5, 2017

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LEE MARACLE

URBAN ETIQUETTE ELLEN VANSTONE

THE QUESTION How do I explain to my son why he wasn’t mentioned in grandma’s obituary? Dear Ellen, I was in a relationship with a man who went from drinking to drugs and gambling. When our son was five, I asked him to move out. A year later he committed suicide. His mother made an effort to keep in touch, and my son spent summers with her when he was little and enjoyed his time with her. His grandpa would say hello, but conversations did not go much further. My son’s aunt took him for lunch once. His uncle asked me to drop my son off for a visit occasionally, which I always did. I felt it important for him to know his father’s family. About four years ago we stopped hearing from them. I recently learned grandpa died three years ago, and grandma died a month ago. My son was not notified, nor was he mentioned in either obituary. He is very hurt. I don’t understand how anyone could be that mean to a child. Should I say something? Donna Dear Donna, Please accept my heartfelt sympathy for you and your

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son. It’s sad enough he lost his father. But for his aunt and uncle not to tell you about his grandparents’ deaths, and then to ignore your son’s existence in the obituaries, is not merely rude, it’s cruel. The cruelty may or may not have been intended. Maybe they mistakenly assumed you were the one who cut off contact. Or they’re following their late parents’ misguided

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wishes in avoiding contact. At worst, they don’t want to share a portion of the estate. At best, perhaps your son is too painful a reminder of their poor dead brother. It doesn’t matter. They are adults. Their pain doesn’t give them the right to inflict pain on a child, or trump a son’s right to be acknowledged. I’d even argue they’re hurting themselves by cutting off communication — indulging

in a form of denial likely to hinder their own efforts to get past it. Your situation is more complex, but it speaks to a common etiquette problem with couples who split. Friends and family pick sides, and then shun the children as well as the ex-partner — feeling morally superior to the “bad ex,” while blithely inflicting pain on innocent children who also suffer the searing effects of that shunning. For your own sake, and your son’s, you can still do the polite thing, and send a sympathy card. Tell your son’s aunt and uncle how sorry you were to hear about their parents’ deaths, mention how much your son enjoyed time with his grandmother when he was young, and wish them the best. Don’t expect a reply. The point is that you will feel better for having done the right thing, and the door will be open if they ever want to resume contact. Need advice? Email Ellen:

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Mavis Otuteye did not have to die that way Vicky Mochama Metro

Mavis Otuteye wanted to meet her new grandchild. She never got there. She died of hypothermia while walking into our country. Her death is an indictment of a national and global failure to respond meaningfully to the worldwide migrant crisis. Yet, a clear and concerted strategy seems to be far away. Otuteye, a Ghanaian woman, had been living without a valid visa in the States since 2006. In light of the Trump administration’s crackdown on undocumented persons, it is reasonable that she would not want to make herself known to immigration authorities. A danger of living without papers is that a chance incident can lead to one’s removal. With the knowledge that asylum claimants would be turned away at official border crossings because of the Safe Third Country Agreement (STCA), it is still more plausible that walking across the border made the most sense to Otuteye. However, the CBC reports Otuteye would have been allowed under the STCA because her granddaughter is a Canadian citizen. The accord has a number of compassionate grounds on which migrants can cross between borders. Having told no one of her plan, Otuteye was unaware of her options. What is contained in words and documents is far different to the reality on the ground. The terms of the STCA and a

tweet from the prime minister welcoming refugees are part of a world of misinformation that puts migrants, especially undocumented ones, in danger. Theirs is a world of ad-hoc systems, reliance on rumours, opportunistic scammers and ever-shifting legal paradigms. Yet Canadian and international governments have not been able to provide migrants with any clarity. Reports on the recent G7 summit in Italy overlooked the inability of world leaders to come to an agreement on the global migrant crisis. Because of American recalcitrance, the summit instead released a short statement acknowledging the problem but shifting responsibility back to individual countries. With Donald Trump in office, an international version of “Refugees Welcome” seems unlikely. This will not stop the flow. After much pretence to public safety, Trump has finally tweeted that the executive order dubbed a “travel ban” by many is exactly that. Still, the Canadian government insists it will not change the terms of the STCA. In Europe, the Guardian reports that the death rate for migrants crossing the Mediterranean has doubled. Meanwhile, the far-right has crowd funded enough money for a boat to intercept search-and-rescue boats there. Whether we take action on it or not, the global migrant crisis is happening. Without a unified humanitarian solution, more migrants will continue to die like Mavis Otuteye: cold and alone.

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Your essential daily news When 34-year-old millionaire and luxury property developer Tim Gurner declared that millennials’ dreams of homeownership are toast unless they rein in their spending on “smashed avocado for 19 dollars and four coffees at four dollars each,” the backlash was fierce. And it was not just because of his tone-deaf assertion cash-strapped 20-somethings struggling with student debt could save for a home simply by scrimping and pinching. Gurner seemed to assume a house should be part of everyone’s financial plan. Alex Avery, CIBC analyst and author of The Wealthy Renter, told Metro that for many young people, buying doesn’t make sense (and it has nothing to do with spending money on fattening

breakfast foods). Although interest rates are low, Avery explained, house prices are high and people already have a lot of debt. And although a mortgage forces you to save, renters can replicate that in other ways. “There isn’t one prescription for everyone,” Avery said. But, “there is no amount of logic, facts or supporting evidence that will convince a truly passionate homeowner that there’s any better investment than home ownership.” We spoke to two longterm renters from different life stages who could have bought, but likely never will. They had some great insights for those who are trying to decide between buying their first home or continuing to eat toast. (We kid!)

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rent r o own GENNA BUCK Metro

$1,056,136

The average cost to get into the home market in Vancouver

John Plumadore, 68 City: Toronto Rent: $1,738/month (two bedrooms) Occupation: Retired John Plumadore has never owned property. He retired seven years ago from Scouts Canada, and lives with his partner in a high-rise complex in midtown Toronto, where homes typically sell for $1.5 million. “I have chosen to rent because I want to be close to the subway and the downtown core, in a fairly nice area of the city,” Plumadore said.

RENTER #1 “The advantages are that you don’t have to be putting money into repair, maintenance or additions. Anything needs fixing, the landlord fixes it. He said he chose to use the 20 years of savings he would have put into the upkeep of a house into an RRSP for retirement. “Maybe I’d be a better position today, but who knows?” he said. Will he ever buy? “Not unless I win a lottery ticket” — and maybe not even then.”

Graham MacFarlane, 31 City: Edmonton Rent: $1,500/month (two bedrooms) Occupation: Occupational health and safety Graham MacFarlane believes he could have bought a home by now if he put his “nose to the grindstone.” But as a renter, he lives in a nice two-bedroom Edmonton duplex that is within walking distance to his workplace, he’s saving money, and has the freedom to move any time. “It bothers me, the culture that

Source: The Canadian Real Estate Association

RENTER #2 surrounds this,” MacFarlane said. There was a time when he dreamt about homeownership, too. “In my mid-20s, I went back to school to change careers, and that was of course an expensive experience. “I was just despairing. How am I going to get out of this? Will I be able to afford a home before I’m 50?” But after he got a job in his field and started paying down his debt, he starting rethinking his goal. Renting, he said, isn’t what people think. “Renting and spending your money on beer isn’t responsible. But renting and saving and investing is a better plan than gambling all your eggs your home in your equity.”

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The New Farm

Monday, June 5, 2017

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Growing strawberries faster, sooner produce

FARM links

Enjoy fresh berries on the same day they are picked

Poll question: What’s the best way to eat Ontario strawberries? Tell us at metronews.ca

Owen Roberts

Urban Cowboy It’s date night. And it’s all about making an impression. You’re eating in, and as a special treat, you meticulously prepare chocolate-dipped strawberries for dessert. You sweeten the deal by pairing them with a sparkling wine. Nice touch. But as soon as your date takes the first bite of her strawberry, the thrill is gone. Because beneath that sweet-looking red exterior is a bland tasting, imported U.S.-grown berry. It was picked as many as 10 days earlier, and spent hundreds of kilometres travelling in a truck from California or Florida. Given such conditions, it’s no wonder every June consumers are bursting with anticipation for luscious, fieldgrown Ontario strawberries, at pick-your-own farms or markets. The season can’t start too soon. Through the years, plant researchers at the University of Guelph and elsewhere have worked to develop hardier, quality varieties with great flavour and a longer growing season. These varieties are called day-neutral strawberries, so named because they flower throughout the growing season — unlike some traditional strawberry plants, which flower only once a season, during May and June. And lately, the Ontario strawberry season is being

Even during winter months, Date Night strawberries are fresh, local and about twice as sweet as their American counterparts. When the time’s right, they are gingerly picked by hand at harvest. Courtesy Orangeline Farms

extended right through the winter, thanks to production in Canada’s greenhouse capital, Leamington. There, first-generation family farmers Jordan and Duffy Kniaziew of Orangeline Farms and their company Zing! Health Forward have pioneered a technique to successfully grow sweet, juicy Ontario greenhouse strawberries — marketed as Date Night Berries — all the way from November through to May. And there’s no mistaking them for U.S. imports. “The flavour literally explodes in your mouth,” Jordan says. Even during winter months, Date Night berries are fresh, local and about

THE FUTURE of FARMING Glass is a key to growth Ontario also enjoys winter cucumbers, tomatoes and peppers, thanks to a vibrant and growing greenhouse industry. It now involves 200 farmers and nearly 2,900 acres of greenhouses. In March, the province invested $19 million in a greenhouse innovation program, to encourage further investment in greenhouse technology and boost productivity. twice as sweet as their American counterparts. On what’s

Strawberries are truly a superfood Strawberries are an excellent source of vitamin C — just one serving contains about half of a person’s daily requirement. Vitamin C is a proven antioxidant, and strawberries are among the top 10 fruit and vegetables for antioxidant content. As well, eating more fruit and vegetables helps decrease the risk of obesity.

called the Brix scale, which measures sweetness on a

range from one to 20, Date Night Berries check in at 10 to 12 units. That reading compares well to imported berries at six to seven units. The Kniaziew’s berries are grown in a unique manner as well, with elevated growing gutters and an umbrella canopy. Humidification and cooling protection systems help extend the growing season, and LED lights give production a boost. Then, when the time’s right, they are gingerly picked by hand at harvest. “We treat every berry like a newborn,” Jordan says. In fact, in many cases, the Zing! strawberries served on date night have even been picked the same day. At the most, they’re three days from

When it comes to what’s in it, we’re on it! Over 200 university experts are on board and ready to help you make informed decisions about your food today.

Let’s continue the conversation @FoodIntegrityCA • www.BestFoodFacts.org

Duffy Kniaziew, left, and his brother Jordan pioneered a technique to successfully grow sweet, juicy Ontario greenhouse strawberries. Courtesy Orangeline Farms

their harvest date. Compare that to winter berries from the U.S., which typically spend more than a week in a truck. They’re bred mainly for transportability, not taste. Recently, other Ontario greenhouse growers have started following Orangeline’s lead, meaning the winter berry market here is bound to expand. For being pioneers and blazing the winter strawberry trail, Date Night Berries have received an Ontario Premier’s Award for Agri-Food Innovation Excellence. Owen Roberts is an agricultural journalist at the University of Guelph. Follow him on Twitter at @TheUrbanCowboy.


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why credit unions matter What you need to know about the institutions Canada’s big banks are ubiquitous — you’ve seen the commercials, you recognize the branches. But what, exactly, do you know about credit unions? Millions of Canadians use them, while some Canadians may not be familiar with them at all. Here are 10 facts about credit unions you may not know:

1 2 3

You aren’t a “customer” of a credit union in the typical sense. Joining a credit union means you become a “member” — and the members, collectively, own the credit union.

Roughly one in five Canadians belong to a credit union. There are more than 300 credit unions in the country, serving approximately 5.5 million members.

Millennials’ values are in sync with credit unions. “Young people in particular are more concerned about community — they’re more inclined to give back and want to deal with companies that have ethical business practices,” says Martha Durdin, president and CEO of the Canadian Credit Union Association.

4

Credit unions are big givers — roughly four times more than other institutions. “Banks give about one per cent of pre-tax profits back to the communities; credit unions give about four per cent of pre-tax profits,” Durdin says.

5

Their employees give back, too. Roughly 70 per cent of credit union employees participate in community activities as part of their job, while almost 80 per cent choose to volunteer during their time off.

6

Businesses love them. According to the Canadian Federation of Independent Business, Canada’s small- and medium-sized businesses have ranked credit unions first in customer satisfaction.

7

So do Canadians. According to Ipsos Best Banking Awards, Canadians have ranked credit unions first in overall customer ser-

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vice excellence, among all financial institutions. They’ve won this 12 years in a row.

8

Credit unions are stable. Durdin says Canada’s credit unions performed even better than the banks during the 2008 financial crisis. “Credit unions are a bit more conservative,” she says. “They don’t have the large exposures to certain sectors of the economy, or other off-shore investments.”

9

According to 2015 statistics, affiliated credit unions in Canada work with $188.3 billion in assets, $163.1 billion in deposits and $157.8 billion in loans.

Banks give aBout one per cent of pre-tax pofits Back to the communities; credit unions give aBout four per cent of pre-tax profits.

10

– martha durdin

They’ve financed female independence. In 1961, a credit union was the first financial institution to lend to women in their own name. -NiNa Dragicevic

Origins of credit union traced back 100+ years

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Can you imagine paying $5,000 interest on a loan for $150 to save your family from destitution? This was one real example cited by Quebec MP Michael Quinn in 1897, as he submitted a bill to prohibit outrageous interest rates for lending to desperate people. As a parliamentary stenographer, Alphonse Desjardins — the name may be familiar to you — overheard this story. After several years of learning from European examples of financial co-operatives, Desjardins opened the first co-operative loan and savings society in North America in December 1900. It was known as caisse populaire, or “people’s bank.”

Canada’s credit unions trace their roots back to this moment. More than 100 years later, the Desjardins Group remains a powerhouse association of credit unions on the continent, and there are more than 300 credit unions across the country — serving more than 5 million Canadians at nearly 2,000 locations. So much of day-to-day banking has changed since the early 1900s, but credit unions have upheld the principles of the original co-operative. Their low-profit model focuses on strengthening local economies — during a resurgence of “buy local” movements — and helping communities prosper by putting people and services

before profits. Each credit union is independent and locally controlled by its members, who also own the union. “There have been, at a certain point, three times as many co-operatives as there are now, but they tend to amalgamate as the economy grows and the country grows,” says Martha Durdin, president and CEO of the Canadian Credit Union Association. “So there are not as many credit unions (compared to previous decades), but their assets are higher and they tend to be bigger,” she says. “But the model has never changed.” -NiNa Dragicevic


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Planning like a boss to afford that mortgage first time homebuyers a loan of up to $37,500 interest- and payment-free for the first five years, to assist with a down payment. You may want to purchase that dream home today, but saving as much as you can towards your down payment will help you in the long run. The larger your down payment, the smaller your mortgage will be, which means less interest and smaller regular payments.

Learn the ins and outs of securing a mortgage that works for you without breaking the bank It’s officially home-buying season. Rates are competitive, and people are hunting for that perfect place to put down their roots. But according to the Canadian Real Estate Association, the cost of a single detached home in Greater Vancouver is now more than $1 million. So, how do you afford a home and find a mortgage that works for you? Here are three tips to take you from “I can’t” to “I can!” Hunt for the best rate. A lower interest rate will save you thousands of dollars in the long term, especially since a small change in interest rates can have a big impact on your monthly payments. A Financial Planner can help you crunch the numbers to ensure you can afford your payments based on current rates as well as future — and potentially higher — rates.

Stay within your means. Mortgages are a significant financial responsibility. It’s ultimately up to you to ensure this financial weight is manageable. A Financial Planner can analyze your financial landscape and determine what you can handle in terms of a mortgage. They also ensure you remain on track to meet your other financial goals. istock

Take advantage of home buyer assistance offerings. The Federal Home Buyers Plan gives each qualifying mortgage applicant the option

of borrowing up to $25,000 tax-free from their RRSP to purchase or build their first home. You may also qualify for B.C.’s HOME Partnership Program, which offers qualified

Still scratching your head when it comes to mortgages? Coast Capital Savings is committed to helping their members reach their financial goals in a simple and straightforward way. Stop by a branch or visit coastcapitalsavings.com to learn more.

That moment when you get a great rate on your first mortgage. First Home Helper mortgage Affording your first home is hard. Our First Home Helper mortgage makes it easier.You’ll get a reduced rate to help with insurance costs, $1,000 to invest2, a line of credit3 and a whole lot more. Cue the confetti. Visit coastcapitalsavings.com/FirstHome, your nearest branch or call us at 1.888.517.7000 to find out more.

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1. For new high-ratio-insured, closed, residential (owner-occupied) first mortgage loans made to members with a Direct Payroll Deposit to a Coast Capital Savings account and a Pre-Authorized Credit into a Coast Capital Savings investment product (registered or unregistered) only. Additional mortgage insurance criteria may apply. Interest rate and approval based on risk profile. This is a variable rate product which will fluctuate with the Coast Capital Savings prime rate. Rates subject to change at any time without notice. Additional fees may apply. Insurance fees and other applicable fees, if any, will increase your APR. 2. Some conditions apply. Contact us for details. 3. Subject to credit approval.


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Local credit union invests in B.C. communities Support offered to organizations making 'social, environment and economic impact' One way you can make a difference in your community is by becoming a member of a financial institution that is committed to investing in the local economy. One such institution is Vancity — a credit union that’s celebrating its 70th year as a values-based financial co-operative. Since 2011, Vancity has also been a proud member of the Global Alliance for Banking on Values, a group of banks, financial cooperatives and investment firms whose core purpose is to invest into projects, entrepreneurs and individuals who are making society better. Vancity is helping to build a strong local economy throughout communities here in British Columbia. Each year the credit union gives back 30 per cent of its net profits to its members and the communities where their members live and work. In 2016, it allocated $18.5 million to their Shared Success Program. Of that, $9.3 million in grants will be distributed to more than 300 organizations to support initiatives that make an impact in the lives of others and their community. “We want to support not-for-profits and community-based organizations and businesses that are making a social, environmental and economic impact,” says William Azaroff, Vancity’s Executive Lead, Member Experience and Community Engagement. “A greater percentage of our business lending goes to businesses, not-for-profits and cooperatives who are working to make society better, whether that means affordable housing projects, or local organic food businesses, indigenous-owned businesses, or not-for-profits in general.” Through its loans, the organization supports businesses and individuals who might not otherwise be able to get funding. It’s all part of the co-operative model, Azaroff

Modo, a car-sharing co-op and Vancity business member. contributed

Tenants of Sam Greer Co-op, a not-for-profit organization focused on maintaining affordable housing. contributed

explains. “You've got to keep your dollar somewhere, you've got to get a mortgage somewhere,” says Azaroff. “So why wouldn't you want to bank this way when the proceeds of that business get reinvested back into things you care about in your community?” While Vancity has contributed to many different local projects and initiatives, they also have a focus on issues relating to housing affordability, social justice and inclusion, diversity, local and organic food. The credit union also helps with the affordability issue many British Columbians are experiencing by being a living wage employer and advocating for living-wage employment among its member businesses and service providers. The current living wage rate for Metro Vancouver is $20.62 per hour.

In addition, the organization’s Fair & Fast Loan gives members an affordable and ethical alternative to the high-interest payday loans that some companies offer, which can put borrowers deeper into debt. Vancity is also focused on a variety of initiatives to increase affordable housing through multiple channels, including grants, its predevelopment fund, flexible lending terms, and its long-term partnerships with not-for-profits. “If you're a not-for-profit group trying to create an affordable housing project, the kinds of support you're going to get from Vancity are going to go well beyond what you're going to get from a bank,” says Azaroff. “We have a mission aligned with those groups, therefore we're going to do whatever we can to help them be successful.”

Sam Greer Place Co-op is a Vancity community partner and a not-for-profit co-operative. The organization is focused on maintaining affordable housing, yet their energy costs were quickly becoming unaffordable. "I had four radiators in my building and in the winter I had to use them all just to keep the temperature bearable," says resident Dylan Mazur, a member of the board of directors. As a result, Sam Greer has partnered with Vancity to modernize and green two of their century-old buildings. "Vancity's participation in this particular project has been hugely beneficial to maintaining an affordable place for 15 families to live in the city,” says Mazur. “I think it's really extended the life of the buildings as well as the life of the co-op, and has revitalized the community at the same time.”

Financial services and products you can trust At the end of the day, a credit union that does good in the community still needs to provide great financial services to its members. With $25.6 billion in assets plus assets under administration, Canada’s largest community credit union uses its assets to help improve the financial well-being of its more than 523,000 members while at the same time helping to develop healthy communities that are socially, economically and environmentally sustainable. “We offer competitive products and ser-

We offer competitve products and services on par With What you'll get from a national bank. – William azaroff, vancity vices on par with what you'll get from a national bank,” says William Azaroff of Vancity. Unlike many banks, Vancity is focused on

communities in B.C., so the credit union is able to offer insights and assistance tailored specific to B.C. communities. “Vancouver isn’t just one of our outposts,” Azaroff explains. “Our focus is here, and that’s reflected in the service and products you’ll get with us.” The organization serves the needs of the Coast Salish and Kwakwaka'wakw territories, with 59 branches in Metro Vancouver, the Fraser Valley, Victoria, Squamish and Alert Bay.


Join us today and get $200. Plus, we’ll make a donation of $100 for refugee families via our Vancity Humanitarian Fund.*

* Of fer applies only when set ting up pre-authorized payment or deposit. Valid for one person 19-years or older. Must not be an existing BC credit union member. Cannot be combined with any other of fer. Of fer expires Friday, June 30, 2017. Vancit y will donate up to $25,0 0 0 towards the Vancit y Humanitarian Fund under this Of fer. Vancit y reser ves the right to terminate, suspend or modif y this Of fer, i n w h o l e o r i n p a r t , a t a ny t i m e a n d w i t h o u t n o t i c e o r o b l i g a t i o n . Good Money ( TM) and Make Good Money ( TM) are trademarks of Vancouver Cit y Savings Credit Union. ® HANDS & GLOBE Design is a registered certification mark owned by World Council of Credit Unions, used under license.


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Experience the Westminster Savings Difference A credit union is a member-owned financial cooperative that exists to serve the needs of its member owners. This means that the income earned by a credit union each year goes back to directly benefit its

members and the communities in which they live. With $3.6 billion in assets under management, over 66,000 customers and more than 70 years’ experience, Westminster Savings is one of Canada’s

largest full service credit unions. Serving a wide range of both consumers and businesses, we are known for our principled approach, our comprehensive suite of competitively priced financial products and services and the strength of our financial advisory practices. So, what sets Westminster Savings apart? Our credit union offers financial solutions that are ideally-suited for local families and growing businesses, ranging from day-to-day banking and wealth management, to business banking and auto/ equipment leasing. We believe there is no one-size-fits-all banking solution, which is why we work to uncover your unique financial needs and provide you with the best solutions possible and a great banking experience. We seek to serve your ever-changing financial needs. We take our profits and return them back to you through benefits like low banking fees, industry-leading mobile banking apps and unlimited e-transfers. Each year, a portion of our profits are also returned to our local communities. As a designated Imagine Caring company, we regularly donate over 1% of our pre-tax profits each year to organizations that provide arts and active-living opportunities. Through our partnerships with KidSport BC, Arts Umbrella and Special Olympics BC, we are proud to support

after-school arts programs for vulnerable children, enhance programs for athletes with intellectual disabilities, and offer sport registration fees for kids who otherwise could not afford to participate. By summer of this year, we will have 15 branches conveniently located throughout Metro Vancouver. To learn more about us and experience the Westminster Savings difference, please visit westminstersavings.com/cudifference

We are one of Canada’s largest credit unions. We have over 400 employees dedicated to enriching the lives of our 66,000 customers daily.

We are currently serving over a dozen communities across Metro Vancouver and growing. Learn more wscu.com/cudifference

Proud to be the Official Community Partner of:


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Creating opportunities that make a lasting difference For credit unions, giving back to the community is more than just feel-good altruism. They’re simply built that way. “Credit unions aren’t beholden to stock owners or shareholders who are looking for profits — quarterly profits, year-end profits,” says Martha Durdin, president and CEO of the Canadian Credit Union Association. “Because credit unions put people before profits, they return profits to the communities in which they live and work.” As a result, community building and engagement, volunteering, sponsorships and grants are just “business as usual” for the more than 300 credit unions spread across the country. But in Winnipeg, Assiniboine Credit Union (ACU) has raised those stakes even further. Their members and board of directors have looked deeply into their communities and asked: Who is left out? And how can we help them? Brendan Reimer, ACU’s strategic partner for values-based banking, says that underserved communities — people living in

Proud to be your community credit union for over 75 years

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poverty, newcomers, Indigenous communities, refugee families, youths, those living with disability, and so on — is where they can make the biggest difference. “We have this vision of communities where everyone is included,” he says, “and everyone has an opportunity to pursue their goals.” That means helping Tec Voc high school students launch and manage their own credit union to gain financial literacy and, in many cases, open their first account. That means opening a branch — during a time when many banks are closing branches, Reimer says — in a neighbourhood with no financial services, except for expensive payday loans or cheque-cashing outlets. Last year, ACU’s North End branch won the National Community Economic Development Award. That means helping a dentist from Egypt have his credentials recognized in Canada, via specialized loans that bridge the education gap for professionals from other countries. Now he’s opened a dental practice and has hired others. Almost 100 members of this program, Reimer says, have seen their annual

Jill Hollosi (ACU Manager, Channel & Product) and Brendan Reimer (ACU Strategic Partner, Values-Based Banking) volunteer their gardening skills at NorWest Co-op Community Health, which is a member of Assiniboine Credit Union. PHOTO COURTESY OF ACU

income increase by an average of $40,000. That means changing lives and building communities. “I know that what we do matters,” Reimer says. “It makes a difference in people’s lives, it

creates opportunities that are so powerfully important to the community. Knowing that we played one small part in enabling that to happen — that makes us incredibly proud.” -NiNa Dragicevic

Financial confidence looks good on you Whether you’re looking for the account plan that’s right for you, or future-focused advice on buying a home or retirement planning, we’re here to help. Call today!


ADVERTISING FEATURE

Young families look to credit unions to help build good financial habits Budgeting is the first step towards financial stability With so much information and advice available with a simple swipe or click, managing your money should be easy peasy, right? Not so for many young families in BC faced with high housing costs, car payments and cell phone bills. When Kyle and Elise first visited Prospera Credit Union, they were referred by a broker to refinance their mortgage. They were also struggling to make it from one paycheck to the next and really didn’t know what to do. During the account opening process, they were asked if they would like to speak with a financial planner, who could take a closer look at their financial situation. They agreed and set up an appointment with Investment Specialist, Naomi Leitner. “We were in denial and it seemed like a nightmare,” says Elise. “We were behind on our MSP and property taxes, our bills with Bell and Telus were racked up and every month it got a little worse.” After reviewing everything with Kyle and Elise (who are in their early thirties and have two young sons), Naomi offered to help them do a budget and set up bills and spending accounts to manage their cashflow. She also helped them negotiate payment plans with their creditors.

Over the next year they were able to: • Pay off all of their credit cards • Get their MSP payments up to date • Pay off their property tax, Bell and Telus accounts • Put money away for savings • Create a rainy day fund • Create a Disneyland vacation fund • Budget for life insurance • Create a will and Power of Attorney • Set up RRSPs and RESPs for their kids “Budgeting is a key element that’s missing for a lot of people and it’s really the first step towards financial stability, that’s why it’s a process I offer to every new member that comes in,” says Naomi Leitner. “As a family, we’re making smarter decisions about everything!” says Elise. “Whether it’s waiting until something we want is on sale or asking ourselves if that ‘something’ is really a want or a need.” Visit dontjustbankprosper.ca to find out what it’s like to bank at a place that puts people before profits.

Switch your mortgage for free

Talk to us today! 1.888.440.4480 | prospera.ca †Prospera will reimburse up to a maximum of $1,000 the discharge fee charged by the member’s current financial institution and/or any new legal and appraisal fees. For full details on the myStyle mortgage and Prospera Perks, please visit www.prospera.ca, talk to us at a branch or call 1.888.440.4480. *Some conditions apply. The Annual Percentage Rate (APR) is for a mortgage of $100,000 with monthly payments and a 25-year amortization, assuming no fees apply. If fees and/or charges apply, the total Cost of Credit and APR would increase. This promotion is subject to member(s) being approved by Prospera Credit Union’s lending guidelines. Offer and rate may be changed, extended, or withdrawn at any time without notice. Available O.A.C


r u o y r o f u o y k n a h T

. t r o p p u s g unknowin

Every time you wear plaid, you’re supporting Prostate Cancer Canada. Whether you know it or not. But this Father’s Day we need more than unknowing support. Raise money by having your workplace wear plaid on June 16.

Register your workplace at plaidfordad.ca


Atletico Madrid striker and Manchester United target Antoine Griezmann says he will stay in Madrid next season after Atleti’s transfer ban was upheld

Busta makes Jays rally to edge Yanks Spaniard Raonic pay for errors french open

mlb

Toronto wins to tie series after Donaldson hits homer in 8th Josh Donaldson celebrated his bobblehead day with a solo homer in the eighth to give the Toronto Blue Jays a 3-2 win over the New York Yankees on Sunday. The third baseman hit his sixth of the season off reliever Tyler Clippard (0-3) to lead off the bottom of the inning. The ball left his bat at 100 m.p.h. and travelled 384 feet to right centre-field to the delight of the sellout crowd of 46,782 with the Rogers Centre roof closed. Trailing 2-0, the Blue Jays tied it up on Justin Smoak’s tworun homer in the sixth. Toronto (28-29) wrapped up its 10-game homestand at 7-3. Next stop is Oakland followed by Seattle. New York (33-22) finished its seven-game road trip at 3-4. The Yankees return to the Bronx to host Boston and Baltimore. The game, which drew long

Toronto’s Josh Donaldson (right) is congratulated after hitting a solo home run against the Yankees. Frank Gunn/THE CANADIAN PRESS

sunday In Toronto

3 2

Blue Jays

yankees

lineups hours before first pitch because of the bobblehead giveaway, was a matchup of talented young pitchers with hard-throwing Luis Severino for the Yankees

and Marcus Stroman for the Jays. Rookie colossus Aaron Judge showed there’s more to his game than the long ball as the Yankees opened the scoring in the fourth. Brett Gardner made it 2-0 in the sixth when, with men on first and third via a single, walk and sacrifice fly, Matt Holliday beat Devon Travis’ throw to first to negate a double play. After Kendrys Morales singled with two outs in the sixth,

Smoak tied it up with one swing as he hammered Severino’s 84th pitch of the day over the centrefield fence. Smoak’s 14th of the season, ended a 15-inning scoring drought at the hands of the Yankees. It was the first homer given up by Severino since May 7. Toronto is 11-18 versus the American League East, as opposed to 17-7 against all other AL opponent.

Too many errors spelled the end of Milos Raonic’s run at the French Open. The No. 5 seed from Thornhill, Ont., was upset by Pablo Carreno Busta of Spain 4-6, 7-6 (2), 6-7 (6), 6-4, 8-6, and committed a whopping 84 unforced errors in the hardslogging match that stretched four hours and 17 minutes. “Heavy disappointment,” Raonic said afterwards. “That’s probably the best way to describe it.” Raonic had caught a break en route to the fourth round when he needed less than a half hour to complete his thirdround victory. Raonic advanced when Spain’s Guillermo GarciaLopez retired from the match due to a left thigh injury. The extra rest wasn’t enough Sunday however. The 26-year-old Raonic fought off six match points before Carreno Busta finally won with a forehand volley at the net, with Raonic near the back of the court. “I just wasn’t very efficient,

THE CANADIAN PRESS

nba finals

Warriors rout Cavs to double series lead

Stephen Curry dribbled every which way and beat LeBron James to the rim in a move reminiscent of his recent MVP magic, and the Golden State Warriors grabbed a 2-0 lead in the NBA Finals by downing the Cleveland Cavaliers 132-

113 Sunday night in coach Steve Kerr’s return to the sideline after a six-week absence. Their leader and reigning NBA Coach of the Year back on the bench at last, Curry and Kevin Durant tag-teamed

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the Warriors within two victories of another championship. Curry recorded his first career post-season triple-double with 32 points, 11 assists and 10 rebounds, while Durant contributed 33 points, 13 rebounds and six

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Come for the run, stay for the party!

especially through the first three sets,” Raonic said. “I had a lot of times where I’m controlling the point, short forehands where I wasn’t very efficient, just letting him stick around in those moments, and then he started to believe a lot, and he was the better player there towards the end. The Canadian will turn his attention to Wimbledon, where he reached the final last year, eventually losing to Andy Murray. the canadian press

IN BRIEF Holloway beats Aldo in Brazil Max Holloway claimed the undisputed UFC featherweight title on Saturday, stopping longreigning champion Jose Aldo (26-3) in the third round of an impressive upset victory. Holloway (18-3) won the belt in Aldo’s native Brazil with a dynamite finish.

Real celebrates UCL victory Real Madrid is celebrating its 12th European Cup with its fans back in the Spanish capital. The team met fans at a large square in the city. Madrid beat Juventus 4-1 on Saturday in the final in Wales to become the first team to win back-to-back Champions League titles.

THE ASSOCIATED PRESS

the associated press

the associated press

Want to start a business? Have no idea where to start? Learn more about the

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assists while moving two wins from his first ring. Golden State improved to 14-0 this post-season to keep alive a chance of becoming the first group to go unbeaten all the way to a title

Canada’s Milos Raonic in Paris. the associated press

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Info Session: Wednesday, June 7, 11 am VPL (Central Branch) | Level 3 Meeting room 350 W Georgia St, Vancouver


Monday, June 5, 2017 21 make it tonight

Crossword Canada Across and Down

Sweet Kale and Banana Smoothie Bowl photo: Maya Visnyei

Ceri Marsh & Laura Keogh

For Metro Canada The sweetness of banana makes the kale all but disappear in this powerhouse breakfast. Ready in 5 minutes Prep Time: 5 minutes Serves 2 Ingredients 1/2 cup milk or coconut milk 1 cup Greek yogurt 1/2 cup chopped frozen kale 2 frozen bananas 2 tsp coconut oil, melted

Toppings 1 tsp chia seeds 1 tsp flax seed meal 1 Tbsp of muesli 1/2 sliced apple Directions 1. Place the milk, yogurt, kale, bananas and coconut oil in a blender. Whiz until smooth. 2. Pour into a bowl and sprinkle with your favourite toppings.

for more meal ideas, VISIT sweetpotatochronicles.com

Across 1. Possibilities 4. Hot dog topping 10. Latin “year” 14. Ms. Imbruglia, to pals 15. Means of approach 16. Forest favourite 17. “Alice” waitress 18. “The Natural Place” city of British Columbia: 2 wds. 20. “Torn Curtain” (1966) actress Ms. Kedrova 22. Singing pair 23. Bobby and Brett of hockey 24. A simple process might only consist of this: 2 wds. 26. Wine made in the same-named archipelago of Portugal 28. Entered the edifice: 2 wds. 29. New Zealand fruit 30. Mr. Arnold 31. Right-hand pages 33. American resort Lake 35. __-Cola 38. Overseas moneys 40. Doctrines 41. Long circles 43. Break-taking person 45. Country singer Ms. McEntire, to pals 46. Grammy-winning rock band from Guadalajara in Mexico 48. Community in southern Ontario north of Waterloo 52. Procedure

54. Sprays unwanted graffiti on the wall 55. Chills 56. “How ya doin’?” 57. Profits 58. County on the Peace River in Alberta: 2 wds. 61. The Company org.

62. Filmdom’s Ms. Fisher 63. Body of water for Moses: 2 wds. 64. Whichever 65. Jeanne d’Arc, et al. 66. Some suit fabrics 67. __ de deux

Down 1. __ of cash (Money coming in) 2. Bambi’s beloved 3. Swiped 4. Knock 5. Exhibits in the courtroom 6. Abate: 2 wds. 7. Go __ detail

It’s all in The Stars Your daily horoscope by Francis Drake Aries March 21 - April 20 This is a good day to take care of loose details regarding issues like taxes, debt, bills, insurance matters and anything to do with shared property. Make a list.

Cancer June 22 - July 23 Today your focus will be on children, sporting events and anything to do with the hospitality industry or the entertainment world. Work behind the scenes, but make plans.

Taurus April 21 - May 21 The Moon today is in a sign that is opposite yours, which means you have to go more than halfway when dealing with others. This requires compromise and patience.

Leo July 24 - Aug. 23 Home and family are your focus today. If you can, you will stay home today because you want to cocoon and hide.

Gemini May 22 - June 21 Take care of details that you might have let slide, especially in buying items related to health and hygiene. Get this out of the way before your week gets busy.

Virgo Aug. 24 - Sept. 23 This is a busy, fast-paced day! You might meet someone new or hear something new that intrigues you. Keep in mind that you are high-viz now, especially in the eyes of bosses and parents.

Libra Sept. 24 - Oct. 23 Today your focus is on money, assets and your possessions. You might have an attachment to something and not want to lend it to anyone.

Capricorn Dec. 22 - Jan. 20 An encounter with a female friend or acquaintance could be important today. Perhaps you need to discuss serious future plans with this person.

Scorpio Oct. 24 - Nov. 22 Today the Moon is in your sign, which can make you more emotional than usual. However, it also can bring you a little bit of extra good luck!

Aquarius Jan. 21 - Feb. 19 For some reason, personal details about your private life might become public, especially in the eyes of bosses and parents. Just be aware of this in case you have to do damage control.

Sagittarius Nov. 23 - Dec. 21 Work alone or behind the scenes today, because you need some privacy and quiet time. You need to restore and replenish your energy.

Pisces Feb. 20 - March 20 Do something different today. It’s the beginning of the week, and you are hungry for adventure and a chance to learn something new.

FRIDay’s Answers Your daily crossword and Sudoku answers from the play page. for more fun and games go to metronews.ca/games

by Kelly Ann Buchanan

(Elaborate) 8. Deryck Whibley’s band, __ 41 9. American country music variety show: 2 wds. 10. Confuse things 11. Prehistoric stone artifacts 12. Anchor per-

son’s realm 13. Surgery sites, shortly 19. Accountant’s review 21. Montreal-based media company acquired by Bell in 2013 25. Bond 26. Fermented soybean pastes 27. Quebec “souls” 29. North or South country 32. Revolves 34. Canadian wartime hero Billy Bishop, for one 35. Business firm abbr. 36. Cloudy 37. The whole kit and __ 39. Like part of a church’s architecture 42. Sniff 44. Gremlin 47. Declare 49. Arctic covering: 2 wds. 50. Eye part 51. Tries 53. Closing sections in music 54. Edible seaweed 56. Team 58. Marcia to Jan, for short 59. Cleave 60. Airline to Stockholm

Conceptis Sudoku by Dave Green Every row, column and box contains 1-9


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