Insurance advice for home-based businesses

(NC) For small business owners who are operating their business out of their home, it is important to assess the level of business insurance coverage that you and your business require. This goes beyond your standard home insurance policy. Your home insurance policy may cover certain activities for your business, however, the coverage limits are generally much lower than what you would receive through a small business insurance policy.

There are also certain types of coverage that your home insurance policy would not cover. For example, if your business is temporarily shut down due to an insured event, you would not be covered for any loss of income during this period. Or if a customer is visiting your home-based business, and slips and injures themselves on your premises, you may not be covered under your home insurance policy if you are found liable. With providers such as TD Insurance, you can customize your small business insurance policy based on the needs of your business. kuafltI bOzI aqy pyNt rIpyar syvfvF

For home-based small business owners, you can learn more by contacting a licensed insurance advisor who can help you address any questions about insurance for your home-based business. You can also find more information at tdinsurance.com.

Prym vrk aqy XUnIbOzI rIpyars pUrIaF pYNt jObs

(sOilzs, mYtfolks, trfeIkots, kuaYzkots) afeI.sI.bI.sI klym aqy prfeIvyt klym hYNnzlz promptlI muPq aYstImyts kstm pyNt kmplIt rIstorysLn kstm kfr afzIE/ vIzIE sfrIaF puKqF syvfvF ijLMdgI Br leI ilKqI grMtI smrwQ aqy dosqfnf syvfvF

PAGE 12

Friday, August 4th, 2023

ijLMdgI df Durf hY sfzy ijAux-ZMg suKbIr isMG kMg dunIaF ivc pYdf hox vflf hr ivakqI jFdf hY. ies ikrdfr dI rUp-ryKf qF Auh afp inXq nhIN krdf, pr Aus rUp-ryKf ivc rMg Brny aqy rUh PUkxf Aus dy hwQ ivc huMdf hY. Aus dI ijLMdgI df pihlf pwK

Aus dy vws ivc nhIN huMdf ik Auh iks BUgoilk siQqI jF iKwqy ivc pYdf huMdf hY aqy

Auh iks dysL, kOm,Drm, kul jF pirvfr ivc jnm lYNdf hY. jIvn dy ikrdfr dy dUsry pwK nUM Auh afpxI sUJ, isafxp, loV aqy phuMc muqfbk Zfl skdf hY aqy ieh vrgy qwq hoxy cfhIdy hn nf ik hoCfpn, JUT, Pryb, gYr ijLMmyvfrI, byeImfnI afid. sfnUM afpxI Xogqf anusfr ivhfr krnf cfhIdf hY. afpxI sfK aqy iewjLq bxfeI rwKx leI BrosyXogqf, sdfcfr aqy nYiqk kdrF kImqF ‘qy pihrf dyxf cfhIdf hY. sfnUM guwsy, KusLI aqy gmI vyly afpxf qvfjn bxfeI rwKxf cfhIdf hY. hr duwK jF suK vyly hOsly qy sbr df sMquln brkrfr hoxf cfhIdf hY. sfnUM afpxy Dfrimk aqy aiDafqmk ivcfr aqy ivsLvfs spwsLt rwKxy cfhIdy hn qF ik Btkxf aqy zfvFzolqf qoN bicaf jf sky. asIN

MAJOR Guaranteed Lowest Morgage Rates ؼà 寺 ؼà îÅð×¶Ü ð¶à» çÆ ×ð¿àÆ Email: tony@axismtg.ca

ALL 30 Years of Banking Experience No Credit, Bad Credit, No Problem! • Commercial Mortgages • First Time Buyers • Equity Take Outs • Renewals • Refinances • Rate Holds Up To 120 Days • Debt Consolidation • Cash Back Specials • Variable Rate Specials • Private Mortgages www.tonyhundal.ca 1 866 565 4138 Cell: Fax:

PAGE 12 pwK kfPI hwd qwk Aus dy vws ivc huMdf hY. sohxf jF koJf hoxf qF sfzy vws ivc nhIN hY pr Ausy rUp nUM sUJ nfl inKfr ky aqy guxF nfl isLMgfr lYxf XkInn sfzy hwQ ivc hI huMdf hY. ies qrHF asIN dyKdy hF ik asIN afpxy ijAux-ZMg nUM ivcfr ky, suDfr ky jF bdl ky ijwQy afpxI ijLMdgI nUM suKflLI bxf skdy hF AuWQy afpxy pirvfr, dosqF, irsLqydfrF aqy smfj nfl sMbMD vI vDyry suKfvyN bxf ky rwK skdy hF. ieh koeI bhuqf aOKf kMm vI nhIN hY. ies vfsqy sfnUM Kfs Xogqf jF isKlfeI dI vI loV nhIN hY aqy asIN Aumr dy iksy vI pVfa qy ieh kdm cuwk skdy hF. asIN afpxI soc, loV, phuMc muqfbk afpxf ijAux-ZMg iksy pfsy vI mrjLI nfl moV jF Zfl skdy hF. sfzy ijAux-ZMg dy do pwK huMdy hn, pihlf inwjI aqy dUsrf smfijk. ieh donoN nfl nfl cldy hn aqy iek dUsry ‘qy asr vI pfAuNdy hn. iek cMgf inwjI jIvn qF cMgI smfijk sfKL nUM isrj skdf hY pr cMgf smfijk ruqbf sPl inwjI ijLMdgI df sbUq nhIN bx skdf, ies leI sfnUM afpxy inwjI ijAux-ZMg qy ijLafdf iDafn dyxf cfhIdf hY. afrMB ivc pirvfr, smfj aqy iswiKaf sfzy jIvn qy pRBfv pfAuNdy hn iPr asIN ies Cqr-Cfieaf ivcoN inkl ky kMmkfr ivc pY ky afpxy PYsly Kud lYxf afrMB krdy hF aqy afpxy ikwqy aqy ivafh ivcoN

Aupjy nvyN sMbMDF dy pRBfv nfl afpxf iek suqMqr ijAux-ZMg apxfAuNdy hF. jIvn dy ies curfhy ‘qy sfnUM afpxI sUJ dI sB qoN ijLafdf loV huMdI hY. aqy iewQy jykr sfnUM jIvn sfQI aqy pirvfr vwloN shI syD qy sihXog iml jfvy qF sfzI ijLMdgI dI muhfr shI idsLf vwl; asfnI nfl muV skdI hY. sfzy mnuwKI jIvn aqy smfj nUM drpysL, afriQk, ivhfrk, GrylU jF inwjI smwisafvF ivcoN bhuqIaF sfzy gLlq aqy bymyl ijAuxZMg df nqIjf hI huMdIaF hn. ies krky sfzf ijAux-ZMg Kfs iDafn dI mMg krdf hY. sfzy ijAux-ZMg df kyNdr ibMdU sUJ, Xogqf, iewjLq, kmfeI, sMquln, sMjm, jugq sfnUM ipafr nfl kMm krn aqy kMm nUM ipafr krn df slIkf iswK aqy apxf lYxf cfhIdf hY. sfnUM afpxy sMbMDF aqy irsLiqaF pRqI ijLMmyvfr aqy iemfndfr qF jLrUr hoxf cfhIdf hY pr iksy qoN loV qoN vwD AumId nhIN rwKxI cfhIdI. ies nfl iksy qoN inrfsLf nhIN huMdI. afpxy vwD qoN vwD kMm Kud krn dI afdq pfAuxI cfhIdI hY. ies nfl glq kMm hox dy pCqfvy aqy nuksfn qoN bcfa rihMdf hY. afpxy mfipaF pRqI PrjLF aqy pqnI qy bwicaF dy hwkF ivc sMquln bxfeI rwKx nfl pirvfrk mfhOl suKfvF bixaF rihMdf hY, jo hwlf-sLyrI df kMm krdf hY. sfnUM scfeI, iemfndfrI aqy vPfdfrI dy DfrnI bxnf cfhIdf hY. ies nfl boly hoey JUT nUM Xfd rwKx df boJ aqy kukrm, corI aqy pfp qoN pYdf hox vflI afqm-iglfnI qoN bicaf jf skdf hY ikAuNik afpxy afp nUM dosLI mihsUs krn qoN pYdf hoieaf Jorf sfnUM bhuq ivafkul krdf hY. sfnUM dUsiraF dy sPl aqy asPl jIvn qoN iswiKaf lYxI cfhIdI hY. sucwjI jIvn jFc qy gux gRihx krny cfhIdy hn aqy aOguxF df iqafg krdy rihxf cfhIdf hY. sfnUM inMdf, cuglI aqy eIrKf krn qoN bcxf cfhIdf hY. vwD qoN vwD smF afpxy Kud dy suDfr ‘qy lfAuxf cfhIdf hY. Bfvnf, guwsy jF KusLI dy vihx ivc vih ky aihm PYsly nhIN lYxy cfhIdy. afpxI ijLMdgI nfl sMbMDq iswiKaf, ikwqf, ivafh aqy bwicaF bfry jLrUrI PYsly smyN isr kr lYxy cfhIdy hn qF ik kuvyly dIaF twkrF qoN bicaf jf sky. sfnUM lflc dy dfiery aqy sbr dIaF hwdF df shI igafn hoxf vI jLrUrI hY. ruJyivaF BrI ijLMdgI ivc vI kuJ pl afpxy mn nfl ibqfAuxy cfhIdy hn. sbr, skUn, sMqoK, sLFqI, DIrj, sMjm afid bfry ivcfr krdy rihxf cfhIdf hY. hr qrHF dy hflfqF ivc azol, sMqusLt aqy KusL rihx dI koisLsL kro. purfxIaF cMgIaF XfdF aqy purfxy dosqF nfl rfbqf jLrUr rwKo. bcpn dIaF glqIaF, kmIaF aqy kOVIaF XfdF ‘qy nf JUrdy rho. duwK-swuK, amIrI-grIbI aqy cMgy-mfVy smyN ivc nf qF bhuqy KMB iKlfro aqy nf hI ZyrI Zfho. grIbI, duwK aqy mfVy smyN qoN vI sfnUM bhq sbk aqy anuBv imldy hn jo sfnUM qfkq idMdy hn, ijs qoN sfnUM suKfvyN smyN nUM mfnx df slIkf hfsl huMdf hY. sfzy ijAux-ZMg df afriQk pwK sB qoN mhwqvpUrn hY aqy Kfs iKafl dI mMg krdf hY. sfnUM afpxI afmdn anusfr hI afpxy KricaF df dfierf qYa krnf cfhIdf hY. idKfvy, rIs, huwb aqy Poky,hoCypn Kfqr ivqoN vD ky Krc nhIN krnf cfhIdf. afpxI kmfeI, sMpqI aqy phuMc qoN vD ky kIqf igaf Krc jI df jMjfl bx jFdf hY. pMnf 3 dI bfkI sfzf Kfx-pIx, pihnx, jsLn, smfgm aqy shUlq ijMnf icr sfzI afmdn dI cfdr hyT Zky hoey hn, AunI dyr hI asIN suKfly rih skdy hF. iek vfrI AuWKVy pYr iPr Qwly nhIN lgdy. jykr ikqy itkdy vI hn qF bhuq sfrIaF blLIaF dyxIaF pYNdIaF hn. ies vrqfry qoN bcy rihx ivc hI sfzI sfnUM mfVI sMgq aqy mfVy pRBfvF qoN hmysLF dUr rihxf cfhIdf hY. sucwjIaF aqy cMgIaF afdqF nUM Dfrn krn leI hmysLF iqafr rihxf cfhIdf hY qF ik sfzf ijAux-ZMg shI lIh AuWpr cldf rhy.

BlfeI hY.

kurbfnI

sivqf ny iËgrf rwKidaF hOlI ijhI ikhf, “surjIq qF mr cuwkI ey! Auh ies dunIaF ivc nhIN.”

“hYN! kI afKdy ho.” qy BuipMdr dy hwQoN sfVHI qy miTafeI df zwbf KuwlH ky iKlr igaf. Auh mwQy ‘qy hwQ rwK ky AucI AucI rox lwg ipaf. awKF ivc hMJU qy iQVkdy bolF ivc BuipMdr bolI jf irhf sI. pfglF vFg, “qusIN JUT mfrdy ho! surjIq nhIN mr skdI. Auh myry leI iËMdf hY.” qy Auh pfglF vFg AucIAucI surjIq, surjIq afvfËF mfr ky cuwp ho igaf.

“surjIq ikvyN mrI? ikAuN mrI?” sivqf ny hMJU pUMJidaF spwÈt kridaF ikhf, “jdoN qusIN aYm[bI[bI[aYs[ dy qIsry sfl ivc dfKl hoey qF Aus smyN Ausny mYnUM afpxy shury Èihr hspqfl bulfieaf. jf ky pqf lwgf ik surjIq cMd idnF dI mihmfn hY. AusnUM kYNsr sI. Auh afKrI styj ‘qy sI. mrn qoN kuJ idnF pihlF myry nfl iek vfadf krdI hoeI, quhfzy nF df iek Kq

PVf geI sI qy qIh hËfr rupey quhfzI pVHfeI leI dy geI sI. ieh sfrI mulfkfq surjIq qy myry drimafn hspqfl ivc iek rfq nUM hoeI. mrn dI sUcnf quhfzy qwk phuMcf qF dyNdI pr surjIq mnHF kr geI sI. bs eynf ikhf sI, “ieh Kq, jdoN Auh pVHfeI pUrI krky afAux qF myry vwloN AunHF nUM dy dyxf.” sivqf qoN Kq PV ky Ausny mwQy nfl lfieaf, cuMimaf qy keI hMJU Kq nUM igwlf kr gey. Kq KoilHaf. ilKfvt ivcoN AusnUM ieMJ lwgf ijvyN surjIq Aus ivcoN bol rhI hovy. Ausdf ichrf, Aus dIaF XfdF cl icwqr vFg idmfË ivc GuMm geIaF. Kq ivc iliKaf sI. ipafry BuipMdr jI, hmyÈf hmyÈf Xfd! mYN bVI muÈikl nfl guslKfny ivc Kq ilK rhI hF. mYnUM pqf hY ik mYN cMd idnF dI mihmfn hF. afKrI sfhF ‘qy hF. quhfnUM swcIN imlx leI ikMnf idl krdf ey. hMJU rukdy nhIN. afAuxf nf mumikMn hY. Auh XfdF mubfrk! smF ieËfËq nhIN dyNdf, alivdf BuipMdr jI! myrI afKrI qmMnf hY ik qusIN sivqf nUM apnf lvogy. quhfzI surjIq

sMpfdk nMU icwTI

aWj imqI 1-8-2023 nMU sInIar susfietI aYbtsPoz dI pRbMDk kmytI dI mIitMg hoeI| mIitMg ivWc bWsf dubfrf cflU hox bfry ivcfr kIqf igaf jo ik 6 agfsq nMU sLurU hox jf rhIaF hn. sInIarj aqy stuzYNtf nUM bVI musLikl af rhI sI. pRbMDk kmytI vloN sInIarLjL ny bWsF cflU krfAux leI qpdI grmI ivWc ros mfrc ivWc ihsf lYNdy rhy hn AunF df kmytI vloN DMnvfd kIqf jFdf hY. mIzIaf ny vI sInIarjL sMGrsL nUM srkfr dy kMnF qk phuMcfieaf. mIzIaf df vI sInIarjL pRbMDk kmytI vlo DMnvfd kIqf jFdf hY. mohn isMG igWl pRDfn sInIar susfietI aYbtPoz suKdyv isMG mWlI skWqr sInIar susfietI aYbtPoz