ijvyN hI dIvflI df iqAuhfr afAuNdf hY, DUMeyN dI iewk sMGxI cfdr idwlI aqy afly-duafly dy ÈihrF nUM Zwk jFdI hY. hr sfl ies smyN dOrfn pRdUÈx df pwDr ieMnf vwD jFdf hY ik ieh sfzI ishq leI gMBIr Kqrf pYdf krdf hY. ptfikaF qoN inklx vflf DUMaF nf isrÌ vfqfvrn nUM dUiÈq krdf hY sgoN sfzI ishq nUM keI qrIikaF nfl nuksfn phuMcfAuNdf hY. vwK-vwK aiDaYnF qoN ieh gwl sfhmxy afeI hY ik ptfikaF dy DUMeyN ivwc bhuq sfry hfnIkfrk rsfiex huMdy hn jo iswDy sfzy
PyPiVaF nUM pRBfivq krdy hn. dIvflI qoN bfad KMG, dmf aqy sfh dI smwisaf dy mfmilaF ‘c kfPI vfDf hoieaf hY. nf isrÌ bflg sgoN bwcy vI ienHF smwisafvF qoN burI qrHF pRBfivq huMdy hn. ishq dy vwD rhy ÉqiraF dy mwdynËr hr sfl ptfky nf clfAux dI apIl kIqI jFdI hY pr iPr vI bfËfrF
ivwc ptfikaF dI ivkrI jfrI hY. keI vfr ptfikaF kfrn hfdsy vI vfpr jFdy hn, ijs
ivc lokF dI jfn vI clI jFdI hY. aijhI
siQqI ivwc, ies lyK ivwc asIN ivsQfr ivwc jfxFgy ik ptfikaF df DUMaF sfzI ishq nUM kI
nuksfn phuMcf skdf hY, ijs leI ibmfrIaF
qoN pIVq lokF nUM ivÈyÈ sfvDfnIaF vrqxIaF
cfhIdIaF hn aqy jykr ptfikaF nfl cmVI sV jFdI hY qF kI huMdf hY. kI Aupfa kIqy jf
skdy hn? ptfikaF df DUMaF isrÌ PyPiVaF
qwk hI sImq nhIN hY; ies dy pUry srIr
‘qy gMBIr nqIjy huMdy hn. ienHF ivwcoN sB qoN
Kqrnfk Éqrf kYNsr hY. jI hF, ptfikaF dI
rMgIn cmk pYdf krn leI vrqy jfx vfly
rsfiex aqy ryzIEaYkitv qwq kYNsr dy Éqry
nUM keI guxf vDf idMdy hn. ieh hfnIkfrk
qwq srIr ivwc dfKl ho ky vwK-vwK aMgF nUM
nuksfn phuMcf skdy hn aqy kYNsr vrgIaF
gMBIr ibmfrIaF nUM jnm dy skdy hn. dIvflI
dy iqAuhfr qoN bfad hvf ivc PYly Ëihr
kfrn sfzI ishq nUM Éqrf pYdf ho jFdf hY.
DUV dy kxF ivwc mOjUd ËihrIly qwq sfzy
PyPiVaF nUM nuksfn phuMcfAuNdy
hn aqy dmy dy mrIËF leI sfh lYx ivwc muÈkl bxfAuNdy hn. kYzmIam nF df qwq KUn ivwc afksIjn dI kmI kr ky sfnUM kmËor bxfAuNdf hY. ptfikaF df DUMaF idl dy rogIaF leI bhuq Kqrnfk ho skdf hY. ptfikaF qoN inklx vflf DUMaF iswDf PyPiVaF ivwc jFdf hY, AunHF nUM nuksfn phuMcfAuNdf hY aqy sfh
lYx ivwc muÈkl pYdf kr skdf hY. ies qoN ielfvf ptfikaF dI AuwcI afvfË idl
‘qy dbfa pfAuNdI hY aqy idl dI DVkx nUM ainXimq kr skdI hY, ijs nfl idl dy dOry df Éqrf vD jFdf hY. ptfikaF dI afvfË Coty bwicaF aqy jfnvrF leI vI bhuq zrfAuxI hY. Auh zr dy mfry rox lwg jFdy hn aqy AunHF dy idl dI DVkx bhuq qyË ho jFdI hY. ptfikaF qoN inklx vfly DUMeyN nfl
grBvqI aOrqF qy AunHF dy axjMmy bwicaF leI gMBIr Éqrf pYdf huMdf hY. DUMeyN ivwc mOjUd hfnIkfrk rsfiex sfh pRxflI nUM pRBfivq kr skdy hn, ijs nfl sfh lYx ivwc muÈkl afAuNdI hY. ies qoN ielfvf, iehnF rsfiexF dy sMprk ivwc afAux nfl axjMmy bwcy ivwc jmFdrU asmrQqfvF df Éqrf vwD jFdf hY. DUMeyN dy lMby smyN qwk sMprk ivwc rihx nfl vI grBpfq df Éqrf vD jFdf hY.
People encouraged to prepare for seasonal weather
As weather in British Columbia transitions into fall, people can expect seasonal stormy conditions and are encouraged to take steps to prepare for cooler temperatures and the increased possibility of rain, snow and flooding.
Currently, there are no active flood warnings or advisories in the province. However, Environment and Climate Change Canada (ECCC) forecasts a storm arriving Friday evening, bringing precipitation throughout B.C. through the weekend. This storm is anticipated to be weaker than last weekend’s atmospheric river event, and will likely bring generally moderate precipitation to coastal regions and parts of the Columbia-Kootenays. There are no anticipated widespread flood hazards at this time, but saturated ground conditions in low-lying areas could lead to reduced drainage and faster runoff.
Wind warnings are in effect for Haida Gwaii and northern Vancouver Island. Strong winds are also expected for southern Vancouver Island, the southern Gulf Islands, east Vancouver Island, Sunshine Coast, the Strait of Juan De Fuca and Strait of Georgia.
Seasonal freezing levels in the Interior could result in snow at mid and high elevations.
While the current weekend’s forecast for wet and stormy weather is seasonally typical, as the fall/winter storm season is underway, the Province continues to monitor conditions closely and works with communities to support preparedness and response actions.
The B.C. River Forecast Centre continues to closely monitor forecasts and will issue updates as conditions warrant.
The Province is taking a number of actions to keep people and communities safe in the event of flooding at all times of the year, including:
- The Ministry of Emergency Management and Climate Readiness (EMCR) is working closely with communities on preparedness activities, including weekly natural hazard information calls with First Nations, communities and partner agencies.
- The forecast centre is monitoring weather patterns and river conditions and remains vigilant for any shifts toward extreme wet weather.
- The Ministry of Transportation and Infrastructure will have maintenance contractors monitoring conditions, clearing culverts, and pre-positioning crews and equipment to respond quickly to potential flooding or debris buildup during this weather event, to ensure safe and clear roadways.
- EMCR is prepared to release four million sandbags to communities to protect homes and public infrastructure.
- EMCR is prepared to deploy or preposition sandbag machines to areas of flood concern or potential flood concern throughout the province.
- EMCR is prepared to deploy 12 kilometres of gabions, wall-like structures filled with sand, and 30 kilometres of tiger dams, which are stackable orange tubes filled with water.
- EMCR is able to issue broadcast intrusive alerts as requested by First Nations and local governments to warn people in areas where there may be imminent threats due to flooding.
People are asked to take precautions this season to ensure personal safety, including developing a household plan, putting together emergency kits, connecting with neighbours and learning about the local government emergency response plan for their area.
If you are placed under evacuation alert for any reason, you should immediately:
- Get prepared to leave your home on short notice.
- Get your grab-and-go bags ready (which should include several days of clothing, toiletries and medications), your emergency plan, copies of important documents (including flood and home insurance) and important mementos.
- Listen to local emergency officials for further information on the situation.
If you are placed under evacuation order for any reason, you must:
- Leave the area immediately.
- Follow the directions of local emergency officials and evacuate using the route(s) they have identified.
- Do not return home until you have been advised that the evacuation order has been rescinded.
Following any disaster, property owners and residents are advised to contact their insurance provider immediately to obtain advice about their next steps in cleanup and repairs resulting from the disaster.
As well, people can take the following steps:
Protect your home:
People are advised to prepare for possible flooding of low-lying areas by moving equipment and other assets to higher ground, where possible. Clear perimeter drains, eavestroughs and gutters. Sandbags also help and can be made available through your local government.
Create grab-and-go bags:
Assemble an individual grab-and-go bag for each member of the household with the essentials they will need if asked to evacuate.
Recognize the danger signs:
If you live near a waterway, a change in water colour or rapid change in water level, especially a drop, could indicate a problem upstream. Call your local fire, police or public works department immediately if you suspect something is out of the ordinary.
If you face a threatening flood, park vehicles away from streams and waterways, move electrical appliances to upper floors and make sure to anchor fuel supplies. Listen to local officials if you are asked to evacuate.
In the event of flooding, some tips about what to avoid:
Steer clear of river shorelines:
Keep away from river edges and shorelines. During periods of high flow, river banks may be unstable and more prone to sudden collapse. Stay away and keep young children and pets away from the banks of fast-flowing streams and flooded areas or bridges.
Do not drive through flood water:
Extensive water pooling on roads can be expected. Never attempt to drive or walk in flood water. Approximately 15
centimetres (six inches) of fast-moving water can knock over an adult, and 61 cm (two feet) of rushing water can carry away most vehicles, including SUVs and pickup trucks.
Landslide risk:
Heavy rain may contribute to landslides and dangerous debris in creeks and waterways. Be safe and do not go to watch the rushing water. If you notice trees beginning to lean or bend near your home, or cracks developing in the hillside, consult an engineer or contact local authorities.
There are more details in PreparedBC’s Flood Preparedness Guide. The guide contains useful information to help British Columbians better protect themselves and their homes and understand what to do if their home or community is at risk of flooding.
Driving safety:
Crashes can be prevented when motorists are prepared. Some helpful tips for travelling in wet weather and winter driving conditions:
Research road conditions before you leave at DriveBC’s website. More than 1,000 highway webcam views are available at more than 450 locations throughout the province.
Check the weather forecast and consider postponing travel. If travel is necessary, wait until conditions improve.
Wear comfortable clothing that does not restrict movement while driving. Bring warm clothing, such as winter boots, coat, gloves and hat, in case you need to get out of the vehicle.
Have an emergency plan. Ensure your vehicle is equipped with a full tank of fuel, a windshield scraper and snow brush, food and water, a first-aid kit and other emergency supplies.
Do not panic if you get stuck or stranded. Stay with your vehicle for safety and warmth.
If you have a cellphone, call for roadside assistance. For emergencies, call 911.
DGB HOME RENO
• Plumbing • plMibMgL
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cfhIdf hY. hrI mUMgI dI dfl ÈfkfhfrI lokF
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rihMdf hY, ijs kfrn Overeating nhIN
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hY jo blwz pRYÈr nUM kMtrol
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leI ivÈyÈ qOr ‘qy ÌfiedymMd huMdf hY.hrI mUMgI dI dfl ‘c mOjUd aYNtIafksIzYNts aqy
ivtfimn sI srIr dI ieimAUn pfvr nUM vDfAux ‘c mddgfr huMdy hn, ijs nfl srIr dI ibmfrIaF nfl lVn dI smrwQf vDdI hY. anImIaf nfl lVn leI afiern nfl BrpUr hrI mUMgI dI dfl sB qoN vDIaf afpÈn hY. ies dy syvn nfl srIr ‘c hImogloibn df pwDr vDdf hY. hrI mUMgI dI dfl ivwc mOjUd kYlÈIam aqy mYgnIÈIam hwzIaF dI ishq ivwc suDfr krdy hn aqy EstIEporoiss vrgIaF smwisafvF nUM rokx ivwc mdd krdy hn. aYNtIafksIzYNts smyq keI pOÈitk qwqF nfl BrpUr, hrI mUMgI dI dfl JurVIaF nUM Gwt krn aqy cmVI nUM cmkdfr bxfAux ivwc mdd krdI hY. ieh cmVI nUM ishqmMd aqy cmkdfr bxfAuNdf hY.
jy quhfzy sfry dMd nhIN inkly pr Kfxf TIk qrHF nhIN Kf huMdf qF blrfj nUM imlo ieh quhfzI syvf leI srI ivwc hn.
sfrf idn smfrtPon aqy kMipAUtr skRInF ‘qy dyKx nfl awKF ‘qy bhuq iËafdf dbfa pYNdf hY. ies kfrn awKF dI roÈnI Kqm hox df Kqrf vwD jFdf hY. ieh smwisaf isrÌ vwizaF jF bËurgF ivwc hI nhIN sgoN bwicaF ivwc vI dyKx nUM imldI hY. ies kfrn cMgI qrHF dyKx leI aYnkF df shfrf lYxf pYNdf hY. kmËor nËr dy ipwCy hor vI keI kfrn ho skdy hn, ijnHF ivwc Kurfk vI Èfml hY. ies leI awKF nUM ishqmMd rwKx leI (Eye Care iTps) sfnUM skRIn tfeIm Gwt krnf cfhIdf hY aqy afpxI Kurfk df vI iDafn rwKxf cfhIdf hY. awKF dI ibhqr ishq leI, ivtfimn ey aqy aYNtIafksIzYNts nfl BrpUr Kurfk df syvn krnf cfhIdf hY qF afਓ jfxdy hF kuJ aijhy PlF aqy sbËIaF(iDet
To Improve iVison)bfry jo quhfzIaF awKF dI roÈnI nUM ibhqr bxfAux ivwc mdd kr skdy hn. gfjr— ies ‘c bItf-kYrotIn aqy ivtfimn ey huMdf hY, jo awKF dI rYtInf
nUM mËbUq bxfAuNdf hY aqy awKF dI roÈnI
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sYwlF nUM nuksfn qoN bcf ky nËr nUM bxfeI rwKx ivwc mdd krdI hY. pflk srIr dy hor aMgF leI vI bhuq PfiedymMd huMdI hY. ies leI ies nUM roËfnf Kfਓ.
ÈkrkMdI— ieh bItf-kYrotIn df cMgf sroq hY, jo awKF nUM vDdI Aumr nfl juVIaF smwisafvF qoN bcfAuNdf hY aqy AunHF nUM ishqmMd rwKdf hY. ies leI ÈkrkMdI nUM Kfxy ‘c ËrUr Èfml krnf cfhIdf hY. tmftr— ies ‘c lfeIkopIn aqy ivtfimn sI huMdf hY, jo awKF dI ishq nUM bxfeI rwKx aqy nËr nUM ibhqr bxfAux ‘c mddgfr huMdf hY.
iÈmlf imrc- ieh ivtfimn
ey aqy sI nfl BrpUr huMdf hY, jo awKF dIaF mfspyÈIaF nUM mËbUq bxfAuNdf hY aqy awKF dI Qkfvt nUM Gwt krdf hY.
kylf- potfÈIam aqy ivtfimn ey nfl BrpUr kylf awKF nUM hfeIzryt rwKdf hY aqy nËr nUM suDfrdf hY. ies nfl awKF ‘c iKcfa aqy suwkIaF awKF dI smwisaf Gwt ho jFdI hY.
ËrUrI hn aqy moqIafibMd nUM rokx ‘c mdd krdy hn.
blUbyrI- ies ivc aYNtIafksIzYNt huMdy hn, jo awKF dy sYwlF nUM afksIzyitv qxfa qoN bcfAuNdy hn aqy nËr nUM suDfrdy hn.
amrUd— ivtfimn ey aqy sI nfl BrpUr amrUd awKF dI roÈnI bxfeI rwKx ‘c mdd krdf hY.
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sMqrf- ivtfimn sI nfl BrpUr sMqrf awKF dIaF nsF nUM ishqmMd rwKdf hY aqy awKF dI roÈnI dI rwiKaf krdf hY.
Aupfa apxfAux nfl vI awKF nUM ishqmMd rwKx ivc mdd imldI hY.
More
than 1,700 lives lost to drug toxicity in first nine months
Unregulated toxic drugs claimed the lives of 187 British Columbians in August and 183 in September, according to the BC Coroners Service.
The preliminary data finds that since January 2024, at least 1,749 people have died from unregulated drug toxicity in communities throughout the province.
The data for the first nine months of 2024 represents an 8% decrease from the number of deaths during the first nine months of 2023 (1,896). In both August and September, approximately six people died each day from suspected unregulated drugs.
Additional findings from the latest report include:
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dvfeIafˆ lY skogy. * mfeIgRyn. * joVfˆ dy drd. * koeI vI aMdrUnI bImfrI. * iksy vI qrHfˆ dI ienPYkÈn. * gRihsqI jIvn sbMDI smwisafvfˆ. * AudfsI aqy Gbrfht rog. * cmVI dy rog. * ikwl muhfsy, iÌnsIafˆ afid. * Qfierfz.
- 48% of unregulated drug deaths in September were people between the ages of 30 and 49, while 1.1% were 18 years of age and below.
- 77% of unregulated drug deaths in September were males, up from the year-todate figure of 74% in 2024.
of 2024
- 26% of deaths related to unregulated drug toxicity were females in 2024. The rate of death among females is 21 per 100,000 people, an increase of 60% from 2020 (13 per 100,000).
- Vancouver (45), Surrey (19) and Greater Victoria (16) had the highest number of unregulated drug toxicity deaths in September.
- While the health authorities of Vancouver Coastal and Interior Health had the highest number of unregulated drug deaths in September with 50 in each region, Interior (5.6) and Northern Health (4.3) had the highest rates of unregulated drug deaths per 100,000 people.
- Fentanyl was detected in 85% and stimulants in 81% of unregulated drug deaths in September 2024 that underwent expedited toxicological testing.
Please note the data is preliminary and subject to change as additional toxicology results are received and investigations are concluded.
Ministry statement on lives lost to poisoned drugs in August and September
The Ministry of Mental Health and Addictions has released the following statement about the BC Coroners Service report about illicit drug-toxicity deaths in August and September 2024:
Today, B.C. mourns the loss of 187 and 183 people to toxic drugs in August and September, respectively. They were brothers and sisters, husbands and wives, friends, colleagues and neighbours.
Although the rate of toxic-drug deaths this year continues to decrease compared to the past three years, the rate of toxicdrug deaths and the impact of toxic drugs circulating in B.C. communities remains unacceptable.
The Province is working urgently to expand access to treatment services and save more lives. The new Opioid Treatment
Access Line is available to people in all parts of B.C. to help them get fast access to addictions care. No matter where you live in the province, you can call 1 888 804-8111 to access same-day support, including medications and connection to health professionals to start you on your path to recovery.
Additionally, as the made-in-B.C. Road to Recovery model of care is expanded to regions throughout the province, more people will be able to get the support, care, and treatment they need throughout their recovery journey.
There is more work needed to save lives and connect more people to treatment services. The Ministry of Mental Health and Addictions is working with all partners to build a better, healthier province for everyone.
Choice Railing & Gates Ltd.
purfxy Ëmfny ivwc, lok iewk cMgI jIvn ÈYlI df pflx krdy hoey, sUrj zuwbx dy nfl sONdy sn aqy
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2024 Kia EV9 Land AWD : Six-Seater SUV is a milestone.
Review by Veeno Dewan
The new 2024 Kia EV9 inhabits that rarified air of All- Electric three -seat row SUVs that can seat 6 people in an emission free vehicle. The EV9 is new for this year with typical Kia design language; neat detailing, cool lighting, and complex shaped front and rear fascias. It is technologically advanced and has features such as over the -air updates capability, as well as the ability to use your phone as the key. Its large battery can be used as an onboard generator power supply for electrical items with a household three prong connector. Note, all the EV9 has three rows of seating and can seat 6 in comfort.
For Canada there are three EV9 models to choose from, with either single or dual motor drive and two different battery sizes. The rear-wheel drive EV9 Light starts at $59,995; and has the small 76.1 kilowatt-hour battery and a rearmounted motor that delivers 215 hp, 258 lb-ft of torque and a driving range of 370-km. The twin motor RWD Wind
comes in at $62,995; the allwheel drive Land starts at $64,995; the Land AWD
Premium rings in at $74,995; and the top-of-theline Land AWD GT-Line as tested. ($78,995,) has the larger 99.8k-Watt battery has dual-motors with ample power at 379 hp and 516 lb-ft of torque. Electric Driving Range on my tester showed 512 km of driving range! Exclusive-to-Canada Terrain mode is an additional feature for our northern climes.
architecture that allows it to charge at speeds as fast as 350 kW. If you can find a fast charger of this power you can expect a milestone 10 to 80 per cent in 20 minutes with the smaller batteries, and 24 minutes with the larger 99.8-kWh battery. Charging time for Level 2 outlets is – six to hours to 8 hours dependent on battery size with 10 to 80 per cent at 350-kilowatt DC fast charger – 20 - 24 minutes .
Technology features are high on this flagship EV. These include: fourth generation battery technology, connected car navigation cockpit, a new user interface, ergomotion driver relaxation seat, and column mounted shift by wire technology. Also added is ECU over the air updates, dedicated 5-inch HVAC display touch screen, fingerprint module for custom driver settings, digital lighting grille, hidden type touch buttons, remote smart park assist 2 extendable centre rear console and much more.
In terms of charging, the Kia EV9 features the latest 800-volt electric
Interior wise, the EV9 has an upscale sleek looking cabin, luxurious, high quality and refined. The choice of trim and materials is first class and packed with high-end convenience and technology features. The super comfortable ergomotion front seats that have extra reclined and extendable ottoman – style footrest. Meanwhile the stunning glass cockpit instrument panel has twin 12.3-inch widescreen infotainment displays under a single glass panel, touch, haptic and sensory controls.. The second-row seats also has lower rests for all four captain’s chairs, with minivan-style armrests, walk-through ability to the third row and a slide-out tray with storage underneath. All four front seats are cooled and heated, with electric second-row adjustment and full walk-through accessibility to the third row. Speaking of the third row – as with all third-row seats, it is fine for small adults or children; a squeeze for full size adults, but bearable on short trips, Still a third row is always a boon- ask any family!
heft that is confidence inducing. The larger battery offers 389-horsepower and drivers are rewarded with quick acceleration off the line. The 0 to 96 kilometres an hour dash is a very respectable five seconds. Power is abundant thanks to the dual motor set up and a smart front axle decoupler system that under certain driving conditions allow for a ‘coasting’ mode, which Kia says can save up to eight per cent in range saving. Canadian models, include a Terrain select system for Snow, Mud and Sand. Handling for
the EV9 is relaxed and direct and the all-wheel drive performs very well. Properly equipped, the EV9 with twin motors and the larger battery can tow an impressive 5,000 pounds, while the single motor trim can tow up to 1,653 pounds.
To sum up, the 2024 Kia EV9 is the SUV many people have been waiting for – offering decent EV driving range, and most crucially three rows of seats in a premium package. Highly recommended for families everywhere.
On the road the EV9 rides smooth and quiet as you would expect from an EV. The heavy batteries add stability and
2024 Kia EV9 Land AWD - Priced from $59,995 - $78,995 plus PDE, freight and taxes.
More info at www.kia.ca
Navigating security in the age of online banking
As Canadians increasingly bank and manage their money online, it’s crucial to stay vigilant in safe-
guarding your transactions and personal information safe and secure.
According to Shekher Puri, RBC’s VP, digital components and platforms, there are a number of easy-to-use digital tools and steps you can take that can help protect you whenever you’re online.
Use multi-factor authentication when possible: Two-factor authentication, or two-step verification, provides an extra layer of security and makes it harder for cybercriminals to steal your information when banking or making transactions online. It does this by using two separate factors to make sure you are who you say you are. For example,
when using two-step verification for online banking, after you enter your username and password, you will receive a notification on a trusted device asking you to allow the login. This ensures that even if someone has your username and password, only you can access your banking information and conduct transactions. While some apps and websites use this type of authentication automatically, some leave the decision up to the user, which is a smart step to take every time you are online.
Use alerts to spot suspicious activity: There are several types of alerts that send a notification if there is out-of-the-ordinary activity on an account. For
example, with a fraud alert, you will be notified if there is an unusual banking or credit card transaction. That’s why it’s important to set up these alerts with all your financial institutions.
Use a trusted device: Only use devices you are familiar with when banking or managing your money online. This means your own personal smartphone, tablet or laptop. It’s also important to only use secure Wi-Fi connections, not public networks.
Learn more about the digital tools available and the steps you can take to stay safe online at rbc.com/ cyber-security/how-to-protect-yourself-online.
4 ways artificial intelligence is helping Canadians manage their finances
While you may not always think of using artificial intelligence (AI) to help manage your finances, you may already be benefiting from the insights and support AI-driven financial apps and tools can provide.
According to RBC, here are four ways AI is quietly working behind the scenes to help Canadians make the most of their money.
Automated savings: For those of us who find it hard to save, AI can help by finding those extra dollars you didn’t think you had and putting them aside for you automatically. It does this by predicting how much money you will need to spend based on your transactions and then determining how much you could save.
Budgeting: Creating and sticking to a budget isn’t always easy. With new AI tools, you can take the math out of budgeting and get a calculated budget recommendation based on your unique spending habits. These tools can also provide the nudges and updates you need to stay on track.
Personalized insights: Who couldn’t use a bit of help managing their money? Financial tools that leverage AI can provide personalized insights based on your spending and savings habits to help you stay more
connected to your money and make more informed financial decisions.
Cash-flow forecasting: Managing your cash flow is a cornerstone of healthy personal finances. AI can help by forecasting future cash-flow needs, providing helpful reminders for when bills need to be paid and flagging how upcoming payments may impact your cash flow.
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5 tips for Financial Literacy Month this November
November is recognized as Financial Literacy Month in Canada. With many of us struggling to pay our bills and manage our debt, there’s no better time to understand how to manage our finances and set ourselves up for a successful future. Here are five finance-related tips to boost your financial literacy level.
Know your banking basics
You should know the difference between savings and chequing accounts, and how to find the best ones for you. A chequing account is typically used for everyday expenses and paying bills. Savings accounts generally offer higher interest rates on the money you deposit but can be restrictive on how you remove those funds. If you’re not confident in your financial literacy skills, there are many free resources and courses you can take, including those
offered by ABC Life Literacy Canada’s Money Matters program.
Starting planning for your retirement
Being financially secure in retirement starts while you’re still working. An employer-sponsored retirement plan with matching contributions to your RRSPs is a good place to start. If a workplace retirement plan is not available, consider setting aside money for retirement, utilizing a range of investments, including stocks, bonds and mutual funds, held within your RRSP or TFSA. You will also need a retirement budget that accounts for how much money is coming in and how much is going out toward expenses.
Shop around for mortgage renewals
If your mortgage is ending, your bank will remind you at least 21 days before the term ends. But you don’t have to stick with the same lender. Do some research and compare rates with different lenders. There may be better deals available, but be aware that there may also be charges when switching lenders and potential new insurance premiums. Use the insights you gained by shopping around to negotiate with your current lender for a potentially lower interest rate.
Advice for entrepreneurs
According to the annual RBC Small Business Poll, roughly half of all Canadians consider themselves aspiring entrepreneurs, with many wanting to turn their hobbies or side hustles into full-time jobs. Luckily for them, today’s digital world has levelled the playing field, making it easier
to start a business. From e-commerce platforms and online accounting software to cloud-based productivity and security innovations, these tools can help a new business ramp up quickly.
Understanding investing in partial shares
As the name suggests, partial shares, such as those from TD Direct Investing, are fractions of high-priced stocks and exchange-traded (ETF) funds. Partial share trading allows investors to enter the market without a substantial financial commitment, making investing accesible to all. It gives investors the option to own a small part of a stock or ETF based on a dollar amount they want to invest, rather than needing the resources to pony up the full amount of a share.
srhwdI ipMzF dy lokF dy jIvn ’qy hr pl zr dI iewk gihr ijhI CfeI rihMdI sI. poh mfG dI ruwq hovy jF sfAux dIaF PuhfrF, AunHF dy mnF df mOsm sdf gihr vflf hI rihMdf hY. srhwd ’qy Ërf ku TUh Tfh hovy qF AunHF nUM lwgdf ieh gihr huxy qUÌfn bx ky AunHF dy aflHxy nUM qIlf-qIlf kr dyvygI, sB kuJ Auzf ky lY jfvygI.
srhwdI ipMzF dy lokF (People of Border Village) dy jIvn ’qy hr pl zr dI iewk gihr ijhI CfeI rihMdI sI. poh mfG dI ruwq hovy jF sfAux dIaF PuhfrF, AunHF dy mnF df mOsm sdf gihr vflf hI rihMdf hY. srhwd ’qy Ërf ku TUh Tfh hovy qF AunHF nUM lwgdf ieh gihr huxy qUÌfn bx ky AunHF dy aflHxy nUM qIlf-qIlf kr dyvygI, sB kuJ Auzf ky lY jfvygI. Auh afpxy bwicaF nUM dyK, sihm sihm jFdy ny. aijhf sihm hMZfAuNdy qfrf isMG ny ÌYslf kr ilaf sI ik ËmIn vyc ky srhwd qoN dUr ikqy BfvyN QoVHI imly, vsybf kr lvygf. brfbr dI BYx aqy bcpn twpdIaF DIaF df iÌkr AuhnUM qoV-qoV KFdf. iksy dUr pfr dy irÈqydfr nUM kih sux ky Auhny pitafly lfgy iksy ipMz ivwc ËmIn df sOdf kr ilaf. do trwkF ivwc pirvfr, smfn qy zMgr-vwCf lwd ky Auh ijvyN vwsdy ipMz ’coN AuwjV igaf sI. AusdI GrvflI idafl kOr qy BYx pRIqo, guaFZxF qoN ivCVdIaF DfhF mfrmfr roeIaF. qfrf isMG dy mfpy bVf pihlF guËr gey sn, do BYxF srhwdI ipMzF ivwc hI ivafhIaF hoeIaF sn, ijnHF ivwcoN iewk aMimRqsr af vsI sI, Ausdf pqI srkfrI nOkrI ’qy sI.
koeI inwkf ijhf bUtf puwt ky jy dUjI QF lfieaf jfvy Auh vI msF qfb afAuNdf, qfrf isMG ny qF BrI pUrI kbIldfrI df ruwK puwt ky dUjI QF lfieaf sI. AusdI sfrI gRihsQI ihwlI peI sI. Auh ’kwlf kmfAU sI. dovyN DIaF qoN Coty do puwq qF ajy zMgr pÈU nUM pfxI ipafAux jF kwK-pwTf pfAux jogy vI nhIN sn. idafl kOr kfmI sI qy pRIqo vI kMm nUM awgy lf rwKx vflI sI. Auh Brf nfl Kyq vI kMm krvf afAuNdI, zMgr vwCf vI sFB lYNdI. kuVI df sucwj dyK ky hr koeI dMg rih jFdf. ijnHF
ËmIn KRIdx leI qfrf isMG dI mdd kIqI sI, AunHF ny afpxI BYx dy jyT dI dws pRIqo dy irÈqy leI pfeI. bhuq grIbI ’coN AuwiTaf
Auh pirvfr hux cMgI rotI KFdf sI. pr muMzy dI Aumr kuVI qoN jy duwgxI nhIN zyZI qoN vwD ËrUr sI. Auh klkwqy afpxf trwk clfAuNdf sI. Coty do ivafhy Brf Gr sn qy iqMny BYxF vI ivafhIaF hoeIaF sn. QoVf bhuqf KyqI pwqI df kMm vI sI. qfrf isMG ny Gr dI tuwtI BwjI afriQkqf nUM dyK ky pRIqo df irÈqf klkwqy
pRIqo df ivafh sfdf ijhf, grIbI dfavy vfÜf ho igaf qy Auhny shury Gr jf ky ijvyN suK df sfh ilaf. Auhdf pqI Aumr ’c vwzf hox ’qy vI bxdf Pwbdf sI. Auh pRIqo nUM do cfr mhIny afpxy nfl klkwqy vI lY jFdf. gurmIq isMG df ipE vI kuC smF pihlF mr igaf sI. idErf drfxIaF qy AunHF dy bwicaF ivwc pRIqo rc-imc geI sI. CyqI hI kbIldfrI dy kMmF dy boJ iewQy vI pRIqo dy isr pYx lwgy. QoVHI ijhI ËmIn ’coN awT dws jIaF dy twbr df qorI-Pulkf qF cwlI jFdf pr gurmIq isMG dIaF iqMny BYxF dy kfrjF dy Ércy vI huMdy. ies kbIldfrI dI Cwq df aslI QMmH qF klkwiqEN afAuNdI gurmIq isMG dI kmfeI hI sI.
gurmIq isMG pRIqo nUM bVy cfa nfl klkwqy lY jFdf.
AuQy ikrfey dy kmry ’c afm GrylU loV df smfn
mOjUd sI. do ku mhIinaF
ipwCoN hI iPr gurmIq isMG AuhnUM ipMz Cwz jFdf. iewk vfr pRIqo cfr ku mhIny lgfqfr klkwqy rhI. Auhdf idl hux AuwQy lwgx lwg ipaf sI. keI pMjfbI pirvfrF nfl Ausny sFJ pf leI sI. iewk idn iPr gurmIq isMG ny AuhnUM ikhf, ‘pRIqo mYN qYnUM ipMz Cwz afAuNdf hF iewQy sB kuC muwl df qy AuQy sO cIË Gr dI hY. pRIqo nUM smJ af geI sI ikAuN do ku mhIny ipwCoN hI Auhdf pqI AuhnUM ipMz vfV afAuNdf sI.
jdoN pRIqo klkwqy rihMdI gurmIq isMG dI sfrI kmfeI rotI pfxI qy GridaF hor KricaF ’c lwg jFdI. pRIqoN kuC nf kuC Ehlf rwKky joVdI vI rihMdI, byloVy Krcy qoN sMkoc krdI. pr ipwCy ipMz Gr df sfrf jugfV ihwl jFdf sI. jd vI pRIqo df pqI AuhnUM ipMz jfx leI kihMdf Auh cuwp krky qur pYNdI. Auh socdI ijvyN Bfrq pfiksqfn dI srhwd ’qy huMdI ihwljuwl smyN Auhdf Brf AuhnUM srhwd qoN Ërf htvyN ipMz AuhdI BUaf kol Cwz afAuNdf sI. Auh AuvyN hI iewQy vI rfhF ivwc qurI iPrdI hY. idn bIqdy gey. Auh hux bhuqf ipMz hI rihMdI. idEr awz ho gey sn. sFJy Gr ’coN pflIaF KRIdIaF mwJF Auh lY gey ik gurmIq
isMG ny ikhVf iewQy rihxY. iewk mwJ, mF ny kih sux ky msF rwKI. pRIqo ny iksy nUM kuC nf ikhf afpxy joVy jmHF kIqy rupey sws dy hwQ ’qy ilaf Dry qy afiKaf, “mF afpF cMgI ijhI lvyrI KRId leIey mYN sFB lvFgI.” sws ny bQyrf ikhf ik qUM ikwQy Kyq bMnHy pwTy lYx jFdI iPryNgI, do mwJF leI sFJI sIrI vI nhIN rwK huMdf, nf hI afpxI aYnI proKoN aY. pRIqo ny ikhf, ‘bs qusIN myry nfl cwilaf krnf, Kyq dI vwt ’qy bih jfieaf krnf mYN afpy sB kuJ krUM.’ sucwjI sfAU nUMh df afKf mMn sky puwqF dy rvweIey qoN hrÉI AuhdI sws ny iÈMgfry nUM swidaf. iÈMgfrf isMG ÈrIky ’coN pRIqo df idEr lwgdf sI. Auh nUM afK AunHF mwJ df sOdf kr ilaf. qIjy hI idn iÈMgfry ny srHoN qy qyl nfl copVy isMgF vflI kuMZI mwJ pRIqo dI KurlI ’qy ilaf bMnHI. pihlF pihlF dovyN sws nUMh Kyq pwTy lYx jFdIaF. pr iPr pRIqoN iekwlI hI jfx lwg peI sI. Auh sfAU dy nfl dlyr vI sI. iÈMgfry dy Kyq vI pRIqo dy KyqF dy nfl lwgdy sn. iÈMgfry nUM AuhdI ruldI jvfnI ’qy qrs afAuNdf. keI vfr Auh mwlo mwlI pRIqo dy hwQoN dfqrI PV pwTy vwZ idMdf qy AuhnUM Bfr cukf idMdf. pqf nhI kdoN qrs krdf krdf Auh pRIqo nUM moh krn lwg ipaf. lokI AunHF dIaF gwlF bxfAux lwg pey sn. pRIqo pwky qOr ’qy ipMz rihx lwgI. gurmIq isMG mhIny do mhIny bfad gyVf mfr jFdf, pYsf Dylf dy jFdf. pRIqo ny do qoN vDf ky mwJF cfr kr leIaF sn. pqf nhIN ikvyN swq awT vrHy bIq gey. ienHF virHaF ’c Auh cfr bwicaF dI mF vI bx geI sI. iesy smyN ’c
AuhdI ibrD sws vI jhfnoN qur geI sI. iZwz
nUM gMZF dy dy ky qMgIaF qurÈIaF kwt ky jmHF
kIqy pYisaF nfl Auhny afpxy Kyq nfl lwgdI
QoVHI ijhI ËmIn vI KRId leI sI. gurmIq
isMG byiÌkrf ijhf ho igaf sI qy pRIqo iÌkrF ivwc iGrI rihMdI. keI vfr Auh cfr cfr
mhIny nf afAuNdf. kdy pRIqo DIaF puwqF qoN
Éq ilKf dyNdI, kdy Auhdf Éq af jFdf. jdoN afp afAuNdf qF vI Auh awgy vFg KuwlHf pYsf
Dylf nf dy ky jFdf. pRIqo ipMz kfÜy bld vFg kmfAuNdI rihMdI qy Auh vYlIaF dI ZfxI ’c vYlI hoieaf Èrfb pI pI ky dyh vI gflx
lwgf qy kmfeI vI. pRIqo ny kwcy Gr df mUMh mwQf vI suafr ilaf sI, iewk pwkI bYTk vI Cwq leI sI. Auh duwD vyc ky Gr dy Ércy vI clfAuNdI qy kuC nf kuC jmHF vI krI jFdI. QoVHI QoVHI ivwQ nfl jMmIaF DIaF isroN AuwcIaF huMdIaF jFdIaF sn qy puwq qF ajy inafxf sI. gurmIq isMG jd vI afAuNdf AuhdI ishq pihlF nfloN mfVI huMdI. pRIqo JUrdI rihMdI. kih sux ky loVkU ijhy pirvfrF ivwc DIaF dy sfk kr idwqy. awT awT jmfqF pVHf kuVIaF Gr dy kMmIN lfi dwqIaF sn. Gr dI hflq qy gurmIq isMG dI izwgdI ishq nUM dyK ky pRIqo ny iqMny kuVIaF df sfdf ijhf ivafh iekwTf hI kr idwqf. do iewk Gr, dovyN sky BrfvF nUM ivafh idwqIaF, qIjI Ërf ku cVHI Aumr dy POjI nUM ivafh idwqI. pRIqo df puwqr blkrn awTvIN jmfq ’coN PylH hoieaf muV skUl nf igaf qy Auhdf ipE AuhnUM vI klkwqy lY igaf. Auh vI ipE nfl trwk ’qy hI rihMdf. pRIqo ’kwlI kfrI jMjflF ’c PsI rihMdI. Auhdf idEr iÈMgfrf lMGdf vVdf AuhdI sfr ËrUr lYNdf. pr Auh afp hI ibgfny jMjflF ’c Ps igaf sI. Auhdy vwzy Brf dI srhwd ’qy rfKI kridaF mOq ho geI sI ijs nUM aÉbfr ÈhId kihMdy sn. pMj bwicaF dI mF AuhdI BrjfeI ivMdr nUM irÈqydfr iÈMgfry dy Gr ibTfAux dI gwl krn lwgy, pr iÈMgfry ny sfÌ ÈbdF ivwc kih idwqf sI, “mYN Brf dI pqnI nUM afpxI pqnI nhIN bxf skdf, mYN ivafh vI nhIN krfvFgf qy Brf dI sfrI kbIldfrI sFBFgf” qy keI virHaF qoN iÈMgfrf afpxf Drm afpxy bol pugf irhf sI. pr iÈMgfry nUM keI vfr lwgdf ik ÈhId Auhdf Brf hI nhIN Auh Éud vI hoieaf hY. Gr dI grIbI swDrF ’qy BfrU ho geI sI qy Auhny ivafh nhIN krvfieaf. BrjfeI vwl Auhny kdy awK cuwk ky nhIN dyiKaf sI. pr pRIqo nUM Ébry Auh ikAuN aYnf moh krdf sI. pRIqo sB kuJ jfxdI hoeI ijvyN axjfx bxI rihMdI. Auh nfl dy ipMz aftf iphfAux jFdf pRIqo df pIhx vI afpxy gwzy ’qy rwK lYNdf. afpxy zMgr pÈUaF leI ÈihroN Kl vVyvyN ilafAuNdf AuhdIaF mwJF leI vI do cfr borIaF lY afAuNdf. pRIqo bs aYnf hI kihMdI, ‘qUM myry ’qy aYnf boJ nf cVHf.’ iÈMgfrf awgoN qVp ky kihMdf, “qUM sfrI Aumr kbIldfrI df boJ ZohidaF lMGf idwqI mYN qyrf aYnf ku boJ vI nhIN vMzf skdf ?” Auh Audfs ijhI afvfË nfl kihMdI, “iÈMgfiraf, ieh DrqI iksy isdk ’qy aYnf boJ cuwkI KVHI hY dunIaf df, mYN qF afpxy twbr df hI boJ ZoNhdI hF. kmilaf, qUM ibgfinaF dy boJ ZoNhdf rihMdf eyN .” iÈMgfrf tuwty ijhy idl qy kMbdy ijhy buwlHF nfl kihMdf “mYN qYnUM kdy ibgfnI nhIN
smiJaf qUM BfvyN mYnUM afpxf nf smJ[[[.” pRIqo pMjfhF nUM ZuwkI vI bxdI PwbdI sI, pr bVI sMjIdf qy dfnI ijhI. Auh iÈMgfry dI gwl df jvfb nf dy ky pfsf vwt jFdI.
klkwiqE Éq afieaf gurmIq isMG bVf ibmfr sI qy hspqfl dfÉl sI. pRIqo ny puwq nUM Éq pfieaf ik AuhnUM lY ky ipMz af jf, nfl dy Èihr ielfj krf lvFgy. hÌqy ku ipwCoN blkrn ipE nUM lY ky afieaf qF pRIqo ijvyN suMnH ho geI. gurmIq isMG hwzIaF dI muwT ho igaf sI qy zfktrF AusnUM jvfb dy idwqf sI. pRIqo ny bQyrI nwT Bwj kIqI, nfl dy Èihr vI zfktrF kol cuwkI iPrI. pr gurmIq isMG iËMdgI dI srhwd ’qy AuhnUM duwKF dIaF hor golIaF Kfx leI Cwz ky afp sdf leI qur igaf sI, sB hwdF srhwdF qoN pfr! pRIqo iewk bfr qF bhuq zol geI pr iPr Ausny afpy hI afpxy mn nUM smJfieaf, “Auhdy huMdy ikhVf qUM pwt dy pMGUVy JUldI sI ijhVy Kuws gey.” pr afÉr Auh Auhdy isr df sfeIN sI. Auhdy huMdy Kyq bMnHy iPrdI kMm DMdy krdI Auh iksy hOsly ivwc rihMdI qy hux Auh hOslf Zih igaf sI.
DIaF do cfr idn rih afpo afpxy GrIN qur jFdIaF. blkrn vI mhIny do mhIny ipwCoN gyVf mfr jFdf. pRIqo df guMdvF ijhf srIr ijvyN hux izwgUM izwgUM krdf. puwq afAuNdf qF mF nUM pYsy dyx pr qurn lwgf Aus qoN pYsy mMgdf. vYlI ipE df puwq vI vYlI huMdf jFdf sI. pRIqo ny vkq ivcfridaF, ibnHF dfj dhyj ilaF blkrn df ivafh kr ilaf. Auh socdI sI iËMmyvfrI peI qoN afpy smJ jfAU. Auhny afpxI nUMh kuldIp nUM puwq dy nfl klkwqy qor idwqf. pRIqo pRyÈfn ho jFdI jdoN do cfr mhIinaF ipwCoN blkrn kuldIp nUM ipMz Cwz jFdf. sfl do sfl ieAuN hI bIq gey. kuldIp ny juVvF muMzy kuVI nUM jnm idwqf. pRIqo ny nUMh nUM kol hI rwK ilaf qy iËMmyvfrIaF df jMjfl srhwd dI kMizaflI qfr vFg iPr Auhdy duafly vilaf igaf.
iewk idn blkrn afieaf idny hI Èrfb nfl rwijaf hoieaf qy pRIqo qoN pYsy mMgx lwgf. pRIqo ny TrMmy nfl ikhf, “puwq qF kmfeIaF krky mfvF nUM idMdy ny qUM Aultf mF qoN mMgdf eyN.’ Èrfb dI lor ’c blkrn ny swc Auwgl idwqf ik trwk dIaF ikÈqF pUrIaF nhIN hoeIaF.
krËy ny pRIqo df KUn sukf idwqf. mF dy idwqy pYisaF ’coN vI Auh awD pcwD dI qF vYlIaF ’c
bYT Èrfb pI afAuNdf. sfrIaF gwlF sfhmxy af geIaF sn. blkrn ny keI bYNkF qoN vI
krËf ilaf hoieaf sI. koeI rfh nf idsx
’qy pRIqo ny pfeI pfeI joV ky ilaf ËmIn df totf vyc idwqf pr krËy Pyr vI pUry nf
Auqry. aÉIr Auhny puwq nUM trwk vyc ky Gr af jfx leI afK idwqf. sfry krËy lfh ky ijhVy cfr iCwlV bcy Auh vI blkrn ny mF nUM nf idwqy. Auh ipMz dy ivhlV muMizaF ’c bYT qfÈ Kyzdf, Èrfb pINdf qy rfqIN Gr vVdf. nf AuhnUM afpxy bwicaF df iÌkr sI nf pqnI df.
pRIqo idnF ivwc awDI rih geI. blkrn dI
vhutI ny kdy Gr dI koeI iËMmyvfrI nhIN sI sMBflI, pRIqo aOKI sOKI sfry DMd ipwtI jFdI. keI bfr AuhnUM bVI Gbrfht ijhI huMdI. iewk idn Kyq pwTy lYx geI Auh cwkr af ky izwg peI. koloN vwt qoN lMGI jFdI guaFZx ny nfl dy Kyq ’c pfxI lfAuNdy iÈMgfry nUM ’vfj
mfr ky bulfieaf qy Auh dovyN izwgdI ZihMdI
pRIqo nUM Gr ilafey. ipMz dy zfktr ny dyK
ky dwisaf ik Auhdy ÉUn df dbfa bhuq Gwt igaf sI, Auhny pRIqo nUM lgfqfr duafeI Kfx leI ikhf. AuhdI hflq dyK ky iÈMgfry dy aMdroN gË lMmI lft inkldI, pr Auh Ausdf
hI aMdr sfV jFdI qy pRIqo df kuC nf suafr skdI. ivkI ËmIn df hfvf pRIqo nUM aMdroN
aMdrIN Kf irhf sI.
hux Aus qoN KyqoN pwTy vI nhIN sn ilaf huMdy, mwJF ikwilaF ’qy BuwKIaF iqhfeIaF aVfAuNdIaF KOrU pfAuNdIaF rihMdIaF. pRIqo jy nUMh puwq nUM kuC kihMdI Auh awgoN puwTf boldy. DIaF, mF dI hflq dyK ky rodIaF AuhnUM bQyrIaF imMnqF krdIaF ik sfzy nfl cwl pr pRIqo nhIN sI mMndI. iewk idn puwq dy mn ’c KOry kI afeI pRIqo nUM afKx lwgf, “bIbI qyrI ishq iZwlI rihMdI hY, mhIny vIh idn Èihr mfsI kol lf af, iewQy ipMz ivwc kI hY? AuwQy Èihr ivwc sO cIË imldI hY qyrI ishq nUM
Ìrk pY jfAU.” pRIqo nUM ijvyN iksy ny iksy KUh
ivwc Dwkf dy idwqf hovy [[[ qy KUh ivwcoN ijvyN
AuhnUM afpxy qur gey pqI dI afvfË suxdI
peI sI, jdoN Auh klkiqEN ieho kih ky ipMz
qor dyNdf sI, “eyQy Èihr ’c kI hY, ipMz qF
sO cIË Gr dI hY.” pRIqo dUjy hI idn afpxI BYx kol aMimRqsr clI geI sI. ijs kol
Auhdy vfr vfr bulfAux ’qy vI Gr Cwz ky
nhIN sI jFdI. do mhIny hox nUM af gey sn, nUMh puwq ny muV AuhdI sfr nf leI DIaF
AuhnUM Ìon krdIaF.
iewk idn svyry svyry pRIqo dI BYx dy Gr iÈMgfry df Ìon afieaf, Auh ipMz dy nfl dy ÈihroN bol irhf sI qy pRIqo nUM qurMq bulfieaf sI. ikAuNik rfqIN blkrn df ÈrfbI hoey df aYksIzYNt ho igaf sI. Auh guaFiZaF dy muMzy dy motrsfiekl ’qy nfl dy ÈihroN Èrfb pI ky af irhf sI. dovyN ÈrfbI sn, sVk dy zUMGy toey ’c motr sfiekl izwigaf qy guaFZIaF df muMzf QfeyN Éqm ho igaf. bury hflIN pRIqo afpxy BxyvyN nUM lY hspqfl puwjI. blkrn dIaF dovyN lwqF tuwt geIaF sn, isr ivwc bhuq gMBIr swtF sn. sky idAurF bhuqI sfr nf leI pr iÈMgfrf KVHI lwq Auhdy puwq dy isrHfxy irhf. byhoÈ puwq nUM KUn nfl iBwijaf dyK pRIqo dI Dfa inkl geI qy Auh Gbrf ky puwq dy Auwqy hI izwgx lwgI qF iÈgfry ny AuhnUM boc ilaf. pRIqo dy sbr df kVH awj pft igaf sI. Auh iÈMgfry dy gl lwg Puwt Puwt roeI. iÈMgfry ny AuhnUM idlfsf idwqf “BfbI ro nf, qkVI ho, mYN hr pl qyry nfl KVHf hF. pRIqo ny awQrU pUMJidaF ikhf, ‘ijAuNdf rih, qyrI hmdrdI df rwb vrgf afsrf hY[[[.’ iÈMgfry ny iPr ikhf ‘qUM idn idn eyQy rih mYN hux jf ky pÈUaF df kwK pwTf kr afvF, blkrn dI vhutI ikwQy juafkF nfl Kyq bMnHy qurI iPrU, rfqI mYN blkrn kol rhFgf qUM Gr clI jfvIN.” pRIqo ny dyiKaf quiraf jFdf iÈMgfrf
Aus qoN awK bcf ky moZy qy rwKy zwbIaF vfly prny nfl afpxIaF awKF pUMJ irhf sI[[[. do cfr idn pRIqo df BxyvF vI irhf. idny kdy sws nUMh hspqfl rihMdIaF kdy pRIqo dI koeI
DI jF juafeI af jFdf pr rfq nUM iÈMgfrf hI
blkrn nUM sFBdf, Auhdy kol rihMdf AunINdry kwtdf. mhInf Br musIbqF ktidaF awj blkrn nUM hspqfloN CuwtI ho geI sI pr Auh
Gwto Gwt Cy mhIny AuTx jogf nhIN sI irhf.
Gr dy ivhVy ’c puwq kol bYTI pRIqo socF ’c zuwbI hoeI sI. iÈMgfry ny blkrn dy sfhmxy pRIqo nUM ikhf, “dyK BfbI ieh dunIaF iksy dy ijwqx dI neIN[[ qUM afpxy afp nUM ’kwlI nf
smJI ijMnI dyr blkrn qurn iPrn jogf neIN huMdf awDI rfq ’vfj mfirE mYN hfËr aF iksy gwloN qMgI neIN kwtxI kbIldfrI aY sO cIË dI loV pYNdI af[[ bMdf eI bMdy df dfrU aY[[[[.”
jdoN aqIq dIaF glIaF ’c guMmI iPrdI pRIqo nUM moZy qoN PV ky hlUxidaF iÈgfry ny ikhf “kI socdI eyN BfbI ?” pRIqo afpxy afp ’c afeI pr iÈMgfry dy bol ijvyN Auhdy Dur aMdr lih gey sn, Auhdy kMnF ivwc gUMj rhy sn awDI rfq ’vfj mfirE[[[[[ sO cIË dI loV pYNdI hY[[ bMdf eI bMdy df dfrU af BfbI[[[[.” iÈMgfry dy bol suxky pRIqo ijvyN lwK mxdI ho geI sI. AuhnUM sO cIË dI nhIN bs iesy iewk cIË dI loV sI jo iÈMgfry ny AuhnUM idwqI sI, mn dy moh dI swcI hmdrdI dI kImqI sOgfq qy iek soc ny AuhnUM hlUx idwqf ik iÈMgfrf qF lMmy smyN qoN afpxy mn df ÉflI kfsf cuwkIN Auhdy dr df svflI bixaf irhf[[ ijhVf ÉflI hI irhf, pRIqo dIaF nËrF dy sfhvyN qy pRIqo nUM ieh vI ielm sI ik Aus ÉflI kfsy ivwc qF sO cIË smfeI hoeI sI jo iÈMgfrf AuhnUM arpn kr irhf sI [[[ qy ies GVI pRIqo nUM jfipaf ijvyN Auh sfrIaF musIbqF df tfkrf krn leI, kbIldfrI dy boJ cuwkx leI muV qkVI ho geI sI, ijvyN muV Br juafn ho geI sI[[[[. Auhny ijvyN swc df bkqrbMd pihn ilaf sI qy afpxy afly duafilAuN srhwd qy lwgI kMizaflI qfr vrgI smfj dy zr dI, ÈrIkF dy BYa dI Auh qfr Auhny DUh ky qoV ky prHF vgfh mfrI sI, ijnHF ny kdy musIbqF ’c iGrI nUM swicEN JUiTEN vI AuhnUM nhIN sI puwiCaf. moh Bry bolF nfl, apxwq qy hOsly nfl Auhny iÈMgfry nUM ikhf “qyry ibnF iÈMgfrf isaF sfzf hY kOx, qUM duwK ’c sfzy brfbr KiVHaf ey[, qUM idn af rfq af[[[mYnUM iksy dI pRvfh nhIN qyry myry isdk df rwb gvfh hY.” ieh bol kihMidaf pRIqo ny iÈMgfry dy moZy ’qy hwQ rwK idwqf. iÈMgfrf pRIqo df ieh rUp dyK ky pihlF hYrfn hoieaf ik kI ieh Auh hI pRIqo hY ijhVI AuhnUM afpxy Gr awgoN lMGxoN vI vrjdI rihMdI sI. iÈMgfry ny pRIqo df hwQ PV ky afpxy mwQy nUM lf ilaf[[[ qy iÈMgfry dI krV-brVI dfVHI hMJUaF nfl iBwj geI aqy pRIqo Aus dy hMJU pUMJ rhI sI.
ruwK ‘qy pMCI
sqvMq kOr pMDyr
ruwqF geIaF, ruwqF afeIaF ruwK ny rMg vtfieaf.
hry-Bry [pwqy dyK ky pMCI
dUroN Auzdf afieaf.
krny leI ivsLrfm rfhIaF vI
do pl zyrf lfieaf.
XogI, kvI, sMgIqkfr qy
iek duKIaf vI cwl ky afieaf.
hvf ny dy ky JUtf ruwK nUM
pwqf iek Jtkfieaf.
XogI ny vYrfg ‘c afpxy
awKoN nIr vhfieaf.
sIql buwlf lMiGaf kol dI
pwq pwq JUmx lfieaf.
kvI ny kMnIN sux ky
Auhdf kivqf rUp bxfieaf.
kwTy ho ky buwilaF ny ruwK nUM
Cx Cx Cxkx lfieaf.
sMgIqkfr khy swq surf df
ieh myrf srmfieaf.
afeI hnHyrI tfhxIaF iBVIaF
pwq pwq igaf AulJfieaf.
duKIaf afKy kwlf nhIN mYN
hr koeI lVdf afieaf.
EhI ruwK qy EhI pwqIaF
EhI Aus dI kfieaf.
soc ny iensfnF ivc dyKo
Prk ikMnf hY pfieaf.
amrIkn, rUsI qy BfrqI iekwTy ho ky gwlF kr rhy sn.
amrIkn, sfzy ‘c aYnI hYsIaq hY ik asIN sony df hvfeI jhfjL bxvf skdy hF.
rUsI, asIN Aus AuWpr hIry moqI jVvf skdy hF.
BfrqI, asIN Aus AuWpr ‘myz ien ieMzIaf’ ilKvf skdy hF.
smF pvn igwlF vflf
smF bVf blvfn hY.
rwKy hr iek dI muWTI ivc jfn.
asIN ipafdy – sLqrMj dy, BfvyN bxIey bVy sLYqfn.
pr Aus dI cfl nf jfxdy, kd bdly Kyz Auh afx.
sB Aus dy AuNglIN nwcdy, Auh hYgf bVf mhfn.
asIN mYN nUM sIny lf iPry, Auh ‘qYN’ dy leI vrdfn.
Jwt rfjy rMk bxfvdf, qy PkIrF nUM sulqfn. asIN aYvyN hwQF vflIaF, lY lkIrF nUM pRysLfn.
Auh qkdIrF nUM Jwt bdldy, jd KV jy isr ‘qy afx. nhIN aYvyN igwlF vfilaf, smyN nUM hox slfm.
jy ‘pvn’ bMdf smyN nUM skdf rok qF, iPr bx bihMdf Bgvfn.
afE hwsIey !
mnmuwK (ipafr nfl susLmf df hwQ PV ky, “dyKo afpxy ipafr dI gwl iksy kol nf krIN.”
susLmf, “mYN afpxIaF shylIaF nUM qF jLrUr dwsFgI, Auh kihMdIaF hn ik qyry nfl qF koeI mUrK hI ipafr kr skdf hY.’
gfhk (dukfndfr nUM), ieh murgIaF mYN nhIN
lYxIaF. ieh qF sfrIaF lMgVIaF ny.
myrI afvfjL dI afvfrgI nUM[[[[
surjIq pfqr
myrI afvfjL dI afvfrgI nUM,
surf df afsrf hY BtkdI nUM.
surf ny, sfjL ny ngmf bxfieaf, myry hwQF ‘c rUh dI qVPxI nUM.
Gxy BfsLf dy vx ivc lPjL kMby,
Vrnf iks dyKxf sI rumkxI nUM.
pukfry Auh nf mYnUM n Aus nUM, pukfry sVdf jMgl ikxmxI nUM.
mIn : ishq TIk, Xfqrf suKdfeI, nvIN Xojnf qoN hfnI, iesqrI ksLt, kfrobfr kmjoLr, sMqfn suK, sqMbr 18,19,27,28 akqUbr 7,8,16 asLuB.
Be cautious about what you bring to an end or the way in which you go about winding something up, especially if you think it will open up more choices. The situation will have to be revisited mid April next year. Other things would have changed by then. It might be wiser to let things take their own course right now.
Something that started off as a small thing when it comes to helping out somebody else that seems to keep on growing would be best dealt with now, especially if it is turning into a habit or interfering with your regular routines. It has probably taught you to take more notice of what is important to you, rather than getting distracted..
New directions involving other people can be smooth running if things are done their way. While there might be a lot in common, their determination might clash with yours. If you have been attempting to come to an agreement, this might need to be left for now and revisited mid April as things will likely have changed by then.
Something is winding up on a personal level perhaps in ways you were not expecting that is generating thought of all sorts of possibilities in the long term. Someone can play a powerful role here. However it is to eventually settle will not become evident until January to April next year. Meanwhile just go with the flow.
You can have success in getting something out of the way that has been on your mind for a while but the energy just hasn’t been there. Not that you will feel overly energised just yet. It is more a realisation that time is running out. You know you will feel a lot better once this is done, especially if others have a good view of it.
Something needs to be put into place once and for all so that you know what needs to be spent rather than other things coming up all the time. Whatever you do now can create changes that may not be fully implemented until next year, between January and April. You need to be straightforward and practical with any discussions.
There can be a willingness to let something go that has been a personal priority but doesn’t fit well with someone else. It will be more important to establish underlying stability in situations involving others. This can be temporary as other opportunities to focus on your wishes will arise next year from January to April. Patience can pay off.
The New Moon this week occurs in your sign providing you with the opportunity to generate changed directions on a personal level. Anything that has not been heading in the direction you had hoped might be better let go right now. Becoming more practical can appeal to you, especially when it comes to stability with finances.
There can be new directions building up in the background that will provide the opportunity to put a stable foundation in place. This is likely tied into the decisions of somebody else and something may need to wind up so they can take the next step. There could be more than one stage of development attached to this as well.
It might be time to develop a new attitude when it comes to commitments or obligations in your life, especially if they affect your finances. If you have accepted things without thinking, you could recognise this has to stop. This can only happen when you take the time to analyse what you can realistically manage and follow through.
Changes in somebody else’s life may make you realise things are moving on and it will not be the same for you. This is encouraging you to think about what is important to you. It can actually be freeing you up to do so. This is a first stage. New people can come into your life, especially from January to April next year.
New possibilities in the long term can begin to feel more probable or realistic. This could leave behind a level of personal doubt or insecurity. This can be tied to you becoming more aware of what has been important for a long time but needs to be modified in some way for the future. The second stage can occur January to April next year.
The Patrika
Updated vaccines for influenza, COVID-19 available throughout B.C.
Updated vaccines that protect against the latest influenza strains and COVID-19 variants circulating are available for people in B.C. to help protect families, communities and the health-care system.
Dr. Bonnie Henry, provincial health officer for B.C., again encourages people six months and older to get immunized with the updated influenza and COVID-19 vaccines, and to exercise healthy habits to stay well this fall and winter.
“This is the time of year when we see increases in viral respiratory illnesses in B.C., including influenza and COVID-19, so it is particularly important to remember healthy habits we can all follow to protect ourselves, our loved ones and our communities,” Henry said. “That includes covering your cough, cleaning your hands regularly, staying away from others if you have a cough or a fever, wearing a mask if you have lingering symptoms or need extra protection, and getting the updated influenza and COVID-19 vaccines. By getting immunized for both influenza and COVID-19, we are not only protecting ourselves, but also those around us.”
Invitations for immunizations for priority populations began Oct. 8, 2024. The priority populations include people most at risk of severe illness and complications, such as seniors 65 and older, residents in long-term care facilities, people with chronic health conditions (e.g., cancer, heart disease, diabetes, etc.) and health-care workers. People will receive notifications until early November.
People will be able to receive influenza and COVID-19 vaccines at the same time, if they want.
Vaccines are available in more than 1,300 participating pharmacies, health-authority clinics and some primary-care providers’ offices throughout the province. People can call 1 833 838-2323 if they have questions or need help booking. The vaccines remain free and are available for all B.C. residents six months and older, including enhanced influenza vaccines for seniors.
Health Canada has approved updated mRNA vaccines targeting the KP.2 COVID-19 subvariant. These vaccines are approved for use for people six months and older, and are available as part of B.C.’s fall and winter respiratory illness vaccine program.
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Govt. Certified Instructor
hY.
• asIN quhfzy leI roz tYst buWk krdy hF.
• roz tYst leI kfr vI idMdy hF.
• nrvs ividafrQIaF leI KLfs tryinMg idWqI jFdI hY.
• asIN afeI sI bI sI qoN mnj rsLudf ieMstrktr hF.
• asIN pMjfbI, ihMdI, AurdU aqy ieMgilsL boldy hF.
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Raj (Bobby)
CanAm Health and Wellness Foundation
UBC
Local fruits and vegetables taste great year-round
As you pack away your fall décor and dig out the snow shovels, remember that your snacking and dinner options don’t have to dwindle during the winter. In fact, many local fruits and vegetables are available even in the colder months.
Winter is an amazing time to explore hearty root vegetables. Potatoes, sweet potatoes, carrots and beets are not only packed with nutritious qualities but also provide a burst of flavour that perfectly complements warm stews and soups. These versatile vegetables can be roasted, mashed and added to a wide variety of dishes, making them a staple in your winter cooking.
Local apples, which are harvested in the fall, can also be enjoyed throughout
the winter. Thanks to advanced storage technology, they remain fresh and flavourful throughout the year. Whether you prefer the classic McIntosh or the newer Honeycrisp variety, you’ll have Ontario apples at your disposal all winter long. Try using them in desserts with delicious recipes like apple crisp or caramel apple cheesecake.
Don’t forget about greenhouse vegetables, either. Greenhouses allow for the growth of fresh vegetables like cucumbers, tomatoes, peppers, lettuce and, increasingly, fruit like strawberries indoors all year long. These ingredients are perfect additions to your favourite salads, adding freshness even during the peak of winter.
Buying local will not only help you stretch your food budget, but it’s also climate-friendly and more sustainable. A shorter distance from farm to plate means fewer emissions and less food waste. Plus, you’re supporting Ontario fruit and vegetable farmers who are using a wide range of environmentally friendly practices that support sustainable production.
and cover crops; and reducing water and pesticide use.
This includes investments in technologies and practices that support more efficient use of water, energy and fertilizer; using tools like soil testing
Learn more about the varieties of fruits and vegetables grown in Ontario and how they’re being harvested sustainably at ofvga.org.
Tickets now available for 2024 Community Builders’ Award
18 individuals and organizations have been nominated for giving back to the community
Eighteen individuals and organizations have been named as nominees for the 2024 Archway Community Builders’ Awards. These awards recognize the extraordinary people and organizations who strengthen the fabric of our community with their leadership, volunteer work and collaborative spirit.
In addition to the Community Builders Awards, the Emerging Community Builders category recognizes those who may be younger, new to the Fraser Valley or have recently started giving back.
“We look forward to recognizing these amazing people and organizations who truly make our community a better place to live,” shared Pamela Chatry, Chair of the awards committee and Archway Board Vice-President.
“We invite the community to join us for an inspiring and heart-warming night recognizing these amazing volunteers.”
The Awards Ceremony will be held on Thursday, November 7th at the Matsqui Centennial Auditorium. The doors will open at 5:45pm and the ceremony will begin at 6:30pm. Community members are invited to purchase tickets to the evening event at Archway.ca/Ticket.
2024 Award Nominees
Community Builders Awards – Individual
Brian Neufeld
Dao Tran
Doreen Schellenberg
Marg Allan
Nancy Croteau
Pixie Wells
Emerging Community Builders Awards – Individual
Cameron Hauck
Gurkeerat Singh (Kang)
Harleen Padam
Tetiana Lytvynenko
Zoe Edward
Community Builders Awards – Community Organizations
BC Muslim Association - Abbotsford Branch
Central Heights Church
Purple Lights Nights Committee
The Book Bags
Community Builders Awards – Corporate Organizations
Abbotsford Canucks
DME Investments Inc (McDonalds)
Longboard Architectural Products
The Community Builders’ Awards were established in 2006 by the Archway board of directors to honour and acknowledge individuals and organizations connected to the organization.
In 2023, the Khalsa Diwan Society, Sevenoaks Alliance Church, Gary McCaskill, and James Clifford were recognized for their contributions to Archway and the larger community. Chantel Funk + Co and Joie Ford received awards in the Emerging Community Builder Category.
Tickets are available for $25 at Archway.ca/Tickets
