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Last year’s inflation and high interest rates forced many Canadians to look for ways to cut back on their spending so they could pay their bills. Even if things do settle down this year, it’s always a good idea to find ways to cut back. Here are four ways to stay on top of your expenses this year.
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• Implants
• PRP / PRF
• Veneers
Bo
Bonding
• Wisdom Teeth Removal
• Digital X-rays & CBCT
• Nitrous/ Laughing Gas
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Build a budget
The only way to truly know your financial situation is to create a detailed budget. There are a number of free budgeting tools available online. Tally up all your income in one column and all of your expenses in another. If the expenses exceed your earnings, try to identify areas you could cut back on.
The more details you include, such as having separate line items for groceries, takeout meals, convenience store purchases and sitdown restaurant receipts, the easier it will be to spot areas where you can cut back.
Look for grocery deals
Groceries are essential, but they’re also becoming increasingly expensive. So, when you go shopping, watch for sales and stock up on staples you regularly use. Also, keep your eyes open for discounts on surplus items or products approaching their best-before date.
Canadian apps like FoodHero makeit easierto find discounted proteins, bakery items, fresh and frozen produce, and more from grocers in your area. You’ll not only save money, but also help reduce the estimated 50 million tonnes of food that goes to waste in Canada every year.
Sell your unwanted items
As you’re working on having a fresh start this year, go through your wardrobe, bookshelf and other household items to look for things you no longer want or need, but someone else might value. There are many online platforms where you can sell these items and gather together some spending money.
Seek out free or low-cost activities
Your local library is not only a great resource for free access to books, music and movies, many also offer free passes to local attractions. Museums often host a day or night where they offer free (or steeply discounted) admission.
If you’re a sports fan and there’s a college, university or junior team in your area, tickets are generally much cheaper than they are for professional games, and you might have future bragging rights about having seen the next big star play before they were famous.
Campsites in many BC Parks can be reserved to prepare for the 2025 spring camping season.
Campsites can be reserved four months ahead of the desired arrival date. Reservations for the May 2025 long weekend open this week for many BC Parks campgrounds that accept reservations.
This year, 60 new campsites located in three BC Parks are being added to the reservation service. This includes:
30 new campsites with power hookups in Fintry Park near Kelowna;
17 new walk-in sites at Rolley Lake Park near Mission; and
13 new sites (eight park-beside for tent camping and five walk-in) at China Beach Campground in Juan de Fuca Park near Victoria.
The campgrounds have several facility upgrades to improve the visitor experi-
ence. At Fintry Park, new flush toilets, upgraded services centres with a dishwashing station, a potable water tap and garbage/recycling containers are part of the $1.5-million campground upgrades.
The new $2-million walk-in campground at Rolley Lake Park has a communal day-use shelter, bike racks, bear-proof storage and picnic tables.
At China Beach Campground, two accessible showers and flush toilets are being constructed and are scheduled to open in May 2025, along with the 13 new campsites. In spring 2024, 33 new campsites (22 drive-in and 11 walkin) were added to the campground as part of the $2.7-million campground upgrades.
Reservations for the new campsites at Fintry and Rolley Lake parks open at 7 a.m. (Pacific time) on Wednesday, Jan.
15, 2025, for May 15, 2025, arrivals. Reservations for the new sites at China Beach Campground will open at a later date.
BC Parks is also working to repair infrastructure in parks that were damaged by recent storms.
The opening date for camping reservations in Golden Ears Park near Maple Ridge is delayed as several sections of the Golden Ears Parkway are being repaired. The road provides access to all three campgrounds that are expected to open in spring 2025. Updates about the progress of the work and the opening date for reservations will be posted on the BC Parks website.
Details about reservations for backcountry camping along the 23-kilometre Berg Lake Trail in Mount Robson Park near Valemount will also be announced at a later date as work continues to repair and open the last phase of the popular trail that was damaged by extreme weather in 2021. Another significant storm in September 2024 damaged a section of the newly rebuilt trail.
The Province is taking action to speed up the expansion of British Columbia’s electricity grid by enabling the BC Energy Regulator (BCER) to act as a one-window regulator for permits necessary to support the North Coast Transmission Line (NCTL) and other high-voltage electricity transmission projects.
“We urgently need to expand our electricity system in the North to meet the needs of growing industries that want to use clean energy to sustain and expand their operations, creating jobs and economic benefits for First Nations and communities,” said Premier David Eby. “The BC Energy Regulator is an experienced organization that has demonstrated expertise at getting projects moving quickly, while providing robust regulatory oversight through the life cycle of projects.”
To ensure that BC Hydro’s North Coast Transmission Line can deliver clean power to regional industries and businesses as quickly and efficiently as possible, the Province will make legislative amendments in spring 2025 to enable the BCER to adjudicate permits and authorizations associated with the construction of the NCTL and other major high-voltage transmission lines.
The amendments will leverage the BCER’s experience with linear infrastructure (a lengthy footprint crossing multiple regions, territories and ecosystems), and one-window life-cycle
regulation to expedite the permitting, approval and construction of the NCTL in partnership with the Province, BC Hydro and First Nations.
“If the NCTL is not built, and built quickly, major critical minerals, future port expansions, and LNG, hydrogen and other important resource projects may not proceed,” said Adrian Dix, Minister of Energy and Climate Solutions. “We need to move this vital project forward to realize B.C.’s resourcedevelopment potential and create jobs and investment opportunities, while achieving provincial climate targets.”
The north coast of B.C. is seeing significant growth and prospective investment in many areas, including ports, critical-mineral exploration and mining, and LNG and hydrogen initiatives, all driving demand for clean electricity. The area is currently served by one 500-kilovolt transmission line running from Prince George to Terrace, which does not have the capacity to serve the increasing demand.
The NCTL project will construct a new transmission line running about 450 kilometres between Prince George and Terrace. The project will be comprised of two new transmission line segments and associated towers, as well as upgrades to existing substation and capacitor station infrastructure.
BC Hydro is working with First Nations to identify leading routes for the new line. At the same time, BC Hydro
Wholesale Textile & Gifts Warehouse
ijmIdfr Brf ny bhuq hI vwzf kpiVaF df vyarhfAus gfhkF leI
and the Province are advancing discussions with First Nations regarding co-ownership of the transmission line.
A number of provincial permits will be required throughout the planning, development and construction of the project, including under the Forest Act, the Heritage Conservation Act, the Land Act, the Wildlife Act and the Water Sustainability Act.
PUNJABI PATRIK A STAFF pMjwbI p`iqRkw stw&
The Energy Resource Activities Act enables the BCER to act as a onewindow regulator by giving it responsibility for provincial authorizations required for oil, gas, hydrogen, ammonia and methanol activities, and overseeing exploration, development, operations and restoration. The BCER also regulates geothermal resources through the Geothermal Resource Act and associated regulations and additional authorities.
Chief Editor/Publisher : Dr. Andy Sidhu | General Manager : Dave Sidhu | Administration Executive: R onnie Sidhu
Punjabi Editor
Adver tising Executive Typist Layout Graphic Designer
Gurdeep Singh Grewal
Paramjit Singh Kanda
Ekam Banipal
Gurmeen Banipal
Gurjeet Kaur Muhar
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mOsmI ibmfrIaF dI bcfa
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ipafË KFdy ho qF qusIN JurVIaF qy PfeIn lfeInF smyq buZfpy dy ÈurUafqI lwCxF qoN Cutkfrf pf skdy ho.
People in Fort St. James and area will have enhanced access to health care in state-of-the-art surroundings when their new hospital opens on Tuesday, Jan. 14, 2025.
”We’re thrilled to announce that the new hospital is opening to patients in Fort St. James, increasing access to health care close to home,” said Josie Osborne, Minister of Health. “This facility represents a significant investment in the health and well-being of people in the region; a need that First Nations and local communities have been expressing for decades. We recognized the urgency of replacing the facility and now both the community and workers will benefit from a modern health-care environment in this stateof-the-art facility.”
The new facility is three times the size of the previous hospital and has 27 beds, with 18 long-term care and nine acute-care beds. It has an expanded emergency department with two treatment rooms, a trauma bay and an ambulance bay. In addition, there are bigger laboratory and diagnosticimaging spaces.
The new hospital is located at 606 Stuart Dr. E. The current Fort St. James health centre will be integrated with the new hospital at this address and will open for patients on Monday, Jan. 20, 2025.
“Families will receive better access to care closer to home at the new Fort
St. James hospital starting tomorrow and for many decades to come,” said Bowinn Ma, Minister of Infrastructure. “Improving access to health care is a priority for our government and that’s why we’re building more hospitals and health-care centres to deliver the services people need.“
First Nations in the area were consulted throughout the design process to help ensure the facility is welcoming to everyone and is reflective of the local Indigenous culture.
“The opening of the new hospital is a vital step forward in ensuring patients get essential medical services close to home and not have to travel to places further away like Prince George,” said Debra Toporowski, parliamentary secretary for rural health. “This new facility also reinforces our government’s commitment in addressing the unique challenges rural residents face around accessing care.”
The previous hospital opened in 1972 and is severely outdated in terms of space, size, functionality and technology. It had 12 beds and no decontamination room or dedicated area to receive, assess or triage patients in the emergency department. That facility had two treatment bays, one trauma room and no ambulance bay.
Discussions about replacing the hospital began in 2008.
"This new facility represents a significant milestone in our commitment to providing high-quality health care in the North,” said Colleen Nyce, board chair, Northern Health. “With this new state-of-the-art facility, integrated and accessible services and a dedicated team of health-care professionals, we are well-equipped to meet the needs of patients and their families in Fort St. James and the surrounding area for many years to come.”
The total capital cost of the project is approximately $158 million, including almost $140 million funded by the Province through Northern Health and a contribution of more than $18 million from the Stuart-Nechako Regional Hospital District.
“We are thrilled to see this important new facility open for residents of Fort St. James and the surrounding area,” said Judy Greenaway, chair, StuartNechako Regional Hospital District. “This significant investment will ensure local access to high-quality medical care, as well as provide an upgraded facility to support the attraction and retention of medical staff.”
Demolition of the previous hospital is anticipated to begin in March 2025.
Work has been completed or is underway to plan, build or upgrade 30 hospitals or health facilities, 11 long-term care centres and four cancer centres.
Simon Fraser University (SFU) has been awarded approximately $23 million in funding through the Natural Sciences and Engineering Research Council of Canada’s (NSERC) Lab to Market program, to expand their award-winning Invention to Innovation (i2I) suite of programs over the next five years. The i2I programs provide bilingual innovation and entrepreneurship training for graduate students, researchers and faculty in STEM and healthcare fields.
The Honourable Terry Duguid, Minister of Sport and Minister responsible for Prairies Economic Development Canada, announced the grant today on behalf of the Honourable FrançoisPhilippe Champagne, Minister of Innovation, Science and Industry, at Red River College Polytechnic.
The expansion of the National i2I Network is supported by a coalition of 13 co-applicant institutions, to deliver these training opportunities across Canada. Partner institutions include Queens University, Univer-
sity of Waterloo, Université Laval, Dalhousie University, University of Alberta, University of Manitoba, and the University of the Fraser Valley, among others, and 57 collaborating organizations including national i2I expansion partner, Mitacs. With this funding, the program will expand opportunities such as a full-time commercialization post-doctoral program and a Faculty Innovation Fellows program, focused on overcoming barriers in STEM and healthcare research commercialization.
“Expanding and strengthening the National i2I Network will better mobilize Canada’s world-class research into impactful innovation,” says SFU Associate Vice President, Knowledge Mobilization & Innovation, Elicia Maine. “We are thrilled to receive support to build a more robust Canadian science innovation ecosystem. We are grateful for our academic and industry partners as well as instructors, mentors, and alumni, who have championed i2I innovation skills training.”
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We do all types of Renovations
Friday, January 17th, 2025
asIN hr qrF dI rYnovysLn krdy hF: • lYmInyt
• Laminate • Tiles
• Painting
• Framing
• Drywall Finishing
• Kitchen Cabinets
• Stone Works
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• zrfeIvfl iPinisLMg
• ikcn kYbints • PRyimMg
• ston vrk
• Plumbing • plMibMgL
You will get the best quality work at DGB home renovation
New Basement and Bathroom Extension
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lfeIPstfeIl zYsk, nvIN idwlI: Face Massage Beneifts: Aumr dy nfl ichry ‘qy JurVIaF aqy PfeIn lfeInF df afAuxf afm gwl hY pr kI qusIN jfxdy ho ik kuJ kudrqI AupcfrF nfl qusIN afpxI sikn nUM jvfn rwK skdy ho? ienHF ‘coN iek hY rfq nUM sOx qoN pihlF ichry ‘qy qyl nfl mfilÈ krnf. ieh nf isrP quhfzI sikn nUM poÈx idMdf hY blik ies nUM cmkdfr aqy nrm vI bxfAuNdf hY.
ichry dI msfj mhwqvpUrn ikAuN hY?
blwz srkulyÈn vDfAuNdf hY- ichry dI mfilÈ krn nfl KUn df sMcfr vDdf hY, ijs nfl cmVI dy sYwlF nUM iËafdf afksIjn aqy poÈk qwq imldy hn.
cmVI nUM ton krdf hY- inXimq mfilÈ ichry
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JurVIaF nUM Gwt krdf hY- mfilÈ krn nfl sikn ‘c kolyjn df Auqpfdn vDdf hY, jo
JurVIaF nUM Gwt krn ‘c mdd krdf hY.
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qxfa nUM Gwt krn ivc mdd krdI hY, ijs df iswDf asr sikn ‘qy pYNdf hY.
ichry dI msfj leI ikhVf qyl vDIaf hY?
ichry dI msfj leI keI qrHF dy qyl dI vrqoN
kIqI jf skdI hY, ijvyN ik-
nfrIal df qyl- nfrIal qyl aYNtIafksIzYNts nfl BrpUr huMdf hY, jo cmVI nUM PRI rYzIkls qoN bcfAuNdf hY. ieh sikn nUM nmI vI idMdf hY.
bdfm df qyl- bdfm df qyl ivtfimn eI nfl BrpUr huMdf hY, jo sikn nUM poÈx idMdf hY. ieh zfrk srkl nUM Gwt krn ‘c vI mdd krdf hY.
jYqUn df qyl- jYqUn df qyl ivtfimn ey aqy eI nfl BrpUr huMdf hY, jo cmVI nUM nrm aqy cmkdfr bxfAuNdf hY.
argn afiel- argn afiel ivtfimn-eI aqy PYtI aYisz nfl BrpUr huMdf hY, jo cmVI nUM hfeIzryt aqy mËbUq bxfAuNdf hY.
ichry dI msfj ikvyN krIey?
ichrf sfÌ kro- sOx qoN pihlF ichry nUM cMgI qrHF sfÌ kro.
qyl lgfE- qyl dIaF kuJ bUMdF afpxIaF
AuNglF ‘qy lY ky ichry ‘qy hOlI-hOlI lgfE.
msfj— gol moÈn ivc hlky hwQF nfl ichry dI mfilÈ kro. awKF dy afly duafly dI cmVI nUM bhuq hOlI hOlI msfj kro.
kuJ dyr leI Cwz idE— ichry ‘qy qyl nUM kuJ smyN leI lwgf rihx idE.
ichrf Dovo- svyry kosy pfxI nfl ichrf Do lE.
iehnF gwlF nUM iDafn ivwc rwKo ichry dI msfj dOrfn hOlIhOlI mfilÈ kro.
msfj dOrfn ichry ‘qy iËafdf dbfa nf pfE. msfj qoN bfad ichry nUM cMgI qrHF Do lE. jykr quhfnUM iksy vI qrHF dI aYlrjI hY qF zfktr dI slfh lE. inXimq qOr ‘qy ichry dI mfilÈ krn nfl quhfnUM vDIaf nqIjy imlxgy. koeI vI nvF qyl vrqx qoN pihlF pYc tYst ËrUr kro. ishqmMd Kurfk aqy loVINdI nINd vI cmVI nUM jvfn rwKx ivwc mdd krdI hY.
• Irrigation Installation
• Post Pounding
• Drip and Sprinkler Systems
• Ditch Digging and Cleaning
• Farm Drains
• waste water treatment
By Veeno Dewan
The 2024 Ford Bronco offers a wide range of trims and equipment levels in the form of four-door or two-door versions. Uniquely retro-styled with original Bronco references, with good on and off -road capability,, the Bronco is extremely tempting.
The Everglades the most versatile of the Off- Road orientated Broncos. The signature feature is the raised air snorkel, that optimizes the Evergaldes vehicle performance in dust, snow and water by raising the engine air intake above water, mud and debris. In addition, raised vent tubes for both axles, the transmission, and the transfer case allows the vehicle to wade through up to 36.4 inches of water - more than a Jeep Wrangler!
To top off the Everglades, has a heavy-duty modular front bumper by Ford Performance with a WARN® winch – featuring an impressive 10,000-pound capability and a 100foot synthetic line; allowing the Bronco to pull itself or lesser vehicles out of trouble in the boonies. All trim levels, except the high-performance Raptor also now come with a trailer tow pack.
Everglades also come standard with a safari bar, rock rails and the steel protection plates. A unique Carbonized Gray grille with gloss black Bronco lettering finishes off the front grill fascia, Everglades editions rides on
aggressive tread 35-inch Goodyear Wrangler Territory mud-terrain tires.
All Everglade models have four -doors, and unique to the modelsquared wheel arches with unique wetland’s topography graphics stamped on its front fenders, along with a neat graphics package on its exterior flanks. The three -piece hardtop roof detaches and stores easily in the cargo area.
The Bronco Everglades is powered exclusively with the 300-hp turbocharged 2.3-liter four-cylinder engine— paired with a SelectShift ® 10-speed automatic transmission with advanced 4x4 system and a maximum 67.8:1 crawl ratio. The Ford Bronco towing capacity is an impressive 4,500 pounds when properly equipped.
In the cabin, the Ford Bronco interior delivers a tough looking retroinspired design with non nonsense rubber cased buttons, roof-mounted auxiliary switches, a lockable center console bin, MOLLE strap connectors on the front seatbacks and storage bags for the doors and roof panels. The easy-clean marine grade seat materials and rubber floormats can be easily cleaned with water drain holes in each footwell.
For 2025 Every Bronco now comes standard with a huge bright 12-inch touchscreen, with split screen capa-
bility in the gauge cluster and the Ford Sync 4 infotainment system is intuitive and a joy to use. There is a multitude of storage cubbies, the plastics around the cabin are hard, and could be construed as rather basic to fit in with tough retro looks. The Everglades is fairly well equipped with as of standard features, like heated seats, keyless entry and dualzone climate control. Wireless Apple CarPlay and Android Auto embedded navigation and plenty of USB charge pints front and rear. Are also included. Standard safety features includes forward-collision warning, automatic emergency braking, lane-keeping assist, blind-spot monitoring and a backup camera. The Bronco seats four in comfort and five at a squeeze and rear cargo room is 1,008.0 L behind the second-row seats,
On the road - the Bronco Everglades is an enjoyable daily driver. Although it has a body-on-frame construction and a solid rear axle, the Everglades delivers a decent enough ride on paved roads, Despite the high ride height and off-road tires, it handles and track well with stable composed feel on the highway. The seats do provide a comfortable position and steering and general road dynamics are fine for the
Everglades to use as an everyday vehicle. There is some wind noise from
the blunt front end however, but its not tool intrusive.
Off – Road, in marshy creeks, narrow trails and general rock crawling terrain. the Evergaldes is in its element and unstoppable with approach, breakover, and departure angles are 37.8/26.3/37.1 degrees to tackle inclines and declines, The . independent front suspension and various selectable 4X4, High and Low gears ratios and multi terrain drive modes means all type of terrain can be adjusted for . That snorkel hood is also essential equipment of you intend to take on river marshes, muddy terrain, sand, shallow rivers and creeks. You can wade up to 36.4 inches of water with no problem.
The 2024 Ford Bronco model comes in 15 trim levels. Canadian pricing ranges from $49,765 to $114,275, while the Everglades Edition is priced from $74,915. To sum up, the Everglades can pretty much meet all your Off- Road needs and then some. It has superb water wading ability and looks cool to boot! For offroaders looking to go expand their horizons the 2024 Ford Bronco® Everglades™ special edition is the one to get! An excellent package
2024 Ford Bronco Everglades –priced from $74,915. plus destination delivery and options.
More info at www.ford.ca.
bImfrIafˆ dy shI ielfj leI hux sfzy koloˆ nvIˆ Koj nfl iqafr kIqIafˆ 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.
kuafltI bOzI aqy pyNt rIpyar syvfvF
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
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ichry ‘qy nËr afAuNdy hn PYtI ilvr dy 5 lwCx, afm smJ ky nf kro nËraMdfË
bfieEmYzIsn jrnl ivwc iewk aiDaYn anusfr, PYtI ilvr dI smwisaf nfl pIVq
pMjF ivwcoN iewk ivakqI KujlI df anuBv
huMdf hY. jo icrhy ‘qy ho skdI hY. hflFik
ies lwCx df kfrn jfxn leI ivigafnI ajy vI koiÈÈ kr rhy hn.
ienHIN idnIN PYtI ilvr dI smwisaf qyËI nfl
vwD rhI hY. bdldy lfeIPstfeIl qy KfxpIx dIaF glq afdqF kfrn qusIN ibmfrIaF df iÈkfr bx jFdy ho. ieh iewk gMBIr siQqI hY, jo keI mfmilaF ivwc jfnlyvf qk sfbq
ho skdI hY. aijhy ‘c smyN ‘qy ies dI pCfx
krnf ËrUrI hY.
koeI vI ibmfrI jF smwisaf hox ‘qy sfzf
srIr Aus bfry dwsxf ÈurU kr idMdf hY.
srIr ‘c aksr keI aijhy lwCx nËr afAuNdy hn, jo ienHF ibmfrIaF bfry dwsdy hn. hflFik asIN keI vfr jF qF ienHF lwCxF
dI pCfx nhIN kr pfAuNdy qF iPr keI vfr
ienHF nUM pCfxn ivwc dyrI vI kr idMdy hF, ijs kfrn sfnUM gMBIr nuksfn ho skdY hn.
PYtI ilvr hox ‘qy vI keI lwCx nËr afAuNdy hn, ijnHF ‘coN kuJ ichry ‘qy idKfeI idMdy hn.
aMdrUnI nfVIaF
ichry qy srIr dI cmVI ‘qy jy quhfnUM afpxIaF soË idwKdI hY qF ieh PYtI ilvr dy kfrn ho skdf hY. ilvr ivwc PYt jmHf hox
kfrn soË idKfeI idMdI hY, ijs kfrn blYwz srkl hOlI ho jFdf hY.
KujlI
bfieEmYzIsn jrnl ivwc iewk aiDaYn anusfr, PYtI ilvr dI smwisaf nfl pIVq pMjF ivwcoN iewk ivakqI KujlI df anuBv huMdf hY. jo icrhy ‘qy ho skdI hY. hflFik ies lwCx df kfrn jfxn leI ivigafnI ajy vI koiÈÈ kr rhy hn.
cmVI df zfrk hoxf
PYtI ilvr dI ibmfrI ijvyN-ijvyN vDdI jFdI hY qy isroiss ivwc bdlfa lwgdf hY, cmVI dIaF hor smwisafvF vI hox lwgdIaF hn. cmVI df zfrk hoxf vI Èfml hY, jo afm qOr ‘qy grdn dy ipCly pfsy dyiKaf jFdf hY ikAuNik PYtI ilvr vfly lokF nUM aksr iensuiln pRqIroD jF iËafdf iensuiln dI vrqoN krn ivwc muÈkl huMdI hY, jo ik aYkYNQoiss nfeIgRIknË df muwK kfrn hY. pIlIaf
PYtI ilvr dI lfst styj ivwc phuMcx ‘qy pIlIaf dy lwCx idKfeI idMdy hn. ies kfrn cmVI qy awKF dy sPYYd ihwsy ivwc pIlfpn idKfeI idMdf hY. ieh ilvr nUM TIk qrHF iPltr nf krn df nqIjf hY, ijs kfrn pIlIaf ho jFdf hY.
Pfiedy qy nuksfn
jsivMdr duhrf
ivtfimn zI splImYNt lYx qoN pihlF quhfnUM afpxy zfktr dI slfh lYxI cfhIdI hY. Auh quhfzy leI shI Kurfk inrDfrq krn dy Xog hoxgy qy ieh XkInI bxfAuxgy ik splImYNt quhfzy leI surwiKaq hn.
ivtfimn zI nUM aksr “snÈfeIn ivtfimn” ikhf jFdf hY ikAuNik ieh kudrqI qOr ‘qy pYdf huMdf hY jdoN sfzI cmVI sUrj dI rOÈnI dy sMprk ivwc afAuNdI hY. ieh ivtfimn sfzy srIr leI bhuq sfry mhwqvpUrn kMm krdf hY, ijvyN ik hwzIaF nUM mËbUq krnf, ieimAUntI nUM vDfAuxf, mUz ivwc suDfr krnf qy Qfierfiez glYNz nUM ishqmMd rwKxf. hflFik ivtfimn zI dI kmI dunIaf Br ivwc iewk afm smwisaf hY, Éfs qOr ‘qy AunHF QfvF ‘qy ijwQy sUrj dI roÈnI sImq huMdI hY. ies kmI nUM dUr krn leI keI lok ivtfimn zI splImYNt lYxf ÈurU kr idMdy hn. ies dy XkInI qOr ‘qy kuJ Pfiedy hn pr zfktr dI slfh ley ibnF ienHF splImYNt nUM lYxf ivtfimn zI ËihrIlypx dy ËoÉm nUM vDfAuNdf hY. afE jfxdy hF ies dy kI hn nuksfn Pfiedy :
ivtfimn zI splImYNt lYx dy Pfiedy hwzIaF nUM mËbUq bxfAuNdf hY- ivtfimn zI kYlÈIam nUM soKx ivwc mdd krdf hY, jo hwzIaF dI ishq leI ËrUrI hY.
ieimAUn isstm nUM mËbUq bxfAuNdf hYivtfimn zI ienPYkÈn nfl lVn ivwc mdd krdf hY qy aftoieimAUn ibmfrIaF dy ËoÉm nUM Gtf skdf hY.
Auh lok jo motfpy qoN pIVq hn. jy qusIN awKF bMd kr ky lY rhy ho ivtfimn-zI dIaF golIaF qF jfxo ies dy
srdIaF ivwc msLrUm KFx dy lfB: kolYstRol Gwt krn qoN lY ky Bfr qwk, srdIaF ‘c mÈrUm Kfx dy hYrfnIjnk Ìfiedy
mUz nUM suDfrdf hY- ivtfimn zI izprYÈn dy lwCxF nUM GtfAux ivwc mdd kr skdf hY. ies leI ieh mUz nUM suDfrdf hY.
Qfierfiez dI ishq leI
cMgf - ivtfimn zI Qfierfiez glYNz nUM ishqmMd rwKx ivwc vI mdd krdf hY.
ibnF zfktr dI slfh qoN ivtfimn zI splImYNt lYx dy nuksfn
ËihrIlfpx- ivtfimn zI dI iËafdf mfqrf lYx nfl hfeIprkYlsImIaf ho skdf hY, ijs nfl mqlI, AultIaF, kmËorI, BuwK nf lwgxf qy guridaF dIaF smwisafvF ho skdIaF hn.
hor dvfeIaF nfl ienPYkÈn - ivtfimn zI kuJ dvfeIaF, ijvyN ik stIrOiez qy aYNtIsfeIzË nfl ienPYkÈn kr skdy hn qy AunHF dI pRBfvÈIlqf nUM pRBfvq kr skdf hY.
hor ishq smwisafvF - ivtfimn zI dI kmI dy hor kfrn ho skdy hn, ijvyN ik gurdy dI ibmfrI jF mlyÈIaf. iehnF mfmilaF ivwc isrÌ ivtfimn zI splImYNt lYx nfl smwisaf hwl nhIN hovygI.
kdoN lYxy cfhIdy ivtfimn zI splImYNt
ivtfimn zI splImYNt lYx qoN pihlF quhfnUM afpxy zfktr dI slfh lYxI cfhIdI hY. Auh quhfzy leI shI Kurfk inrDfrq krn dy Xog hoxgy qy ieh XkInI bxfAuxgy ik splImYNt quhfzy leI surwiKaq hn.
iks ‘c ivtfimn zI dI huMdI hY iËafdf kmI
bËurg lok
gihry rMd dI cmVI vfly lok.
Auh lok jo Gr dy aMdr iËafdf smF ibqfAuNdy hn.
jo lok duwD jF zyarI pRozYkt nhIN KFdy hn.
hrijMdr soZI
vYsy hr mOsm ‘c mÈrUm bfËfr ‘c muhweIaf
hY pr srdIaF ‘c ies nUM Kfxf ishq leI
kfPI ÌfiedymMd sfibq ho skdf hY. mÈrUm dI
vrqoN kr ky bhuq sfry suafdI pkvfn bxfey jFdy hn. ieh keI pOÈitk qwqF nfl BrpUr huMdI hY, jo srdIaF ivc quhfnUM ishqmMd rwKx ‘c mddgfr hY.
vYsy hr mOsm ‘c mÈrUm bfËfr ‘c muhweIaf hY pr srdIaF ‘c ies nUM Kfxf ishq leI kfPI ÌfiedymMd sfibq ho skdf hY. mÈrUm dI vrqoN kr ky bhuq sfry suafdI pkvfn bxfey jFdy hn. ieh keI pOÈitk qwqF
nfl BrpUr huMdI hY, jo srdIaF ivc quhfnUM ishqmMd rwKx ‘c mddgfr hY. mÈrUm ivc potfÈIam, kfpr, afiern, PfeIbr vrgy
keI pOÈitk qwq pfey jFdy hn. ies nUM Kfx nfl ishq nUM keI Pfiedy huMdy hn. afE ibnF iksy dyrI dy jfxdy hF ik srdIaF ‘c mÈrUm Kfxf ikAuN ËrUrI hY.
kolYstRol nUM Gwt krn ‘c mddgfr
ijnHF lokF nUM kolYstRol dI smwisaf hY, AunHF leI mÈrUm PfiedymMd sfibq ho skdy hn.
ies ivc aijhy imÈrn pfey jFdy hn, jo
srIr ivc kolYstRol dI mfqrf nUM afm bxfAux ivc mdd krdy hn.
kYNsr dy Éqry nUM krdI hY Gwt
poÈk qwqF nfl BrpUr mÈrUm kYNsr dy Éqry nUM Gwt krn ivc mdd krdy hn. ies ‘c
aYrgoibEnfeIn pfieaf
jFdf hY, jo aYNtIafksIzYNt df kMm krdf hY. irsrc muqfbk roËfnf zfeIt ‘c mÈrUm Kfx nfl kYNsr vrgIaF jfnlyvf ibmfrIaF nUM Gwt kIqf jf skdf hY.
ieimAUn isstm bxfAuNdI hY mËbUq
mÈrUm Kfx nfl ieimAUintI vDdI hY, ijs nfl qusIN srdI, KMG afid vrgIaF keI smwisafvF qoN bc skdy ho, ies leI srdIaF dy mOsm ‘c mÈrUm ËrUr KfE.
hfeI blwz pRYÈr huMdf afm
ijnHF lokF nUM hfeI blwz pRYÈr dI smwisaf hY, Auh afpxI Kurfk ‘c mÈrUm Èfiml kr skdy hn. ies ‘c sozIam dI mfqrf Gwt huMdI hY aqy potfÈIam kfPI mfqrf ‘c pfieaf jFdf hY. ies nfl hfeI bIpI nUM kMtrol krn ‘c mdd imldI hY.
Bfr GtfAux ‘c mddgfr mÈrUm Kfx nfl Bfr GtfAux ivc mdd imldI hY. ies ivwc GulxÈIl PfeIbr huMdf hY jo quhfzy pyt nUM lMby smyN qwk Biraf rwKdf hY. jo Bfr Gwt krn ‘c mdd krdf hY. jy qusIN srdIaF ‘c Bfr Gwt krnf cfhuMdy ho qF qusIN afpxI zfeIt ‘c mÈrUm nUM Èfml kr skdy ho.
awKF leI PfiedymMd
ivtfimn ey nfl BrpUr mÈrUm Kfx nfl awKF dI rOÈnI vDdI hY. ies ‘c bItf-kYrotIn pfieaf jFdf hY, jo awKF nUM nËr dI KrfbI qoN bcfAuNdf hY. ies qoN ielfvf mÈrUm ‘c ivtfimn bI2 pfieaf jFdf hY, ieh cmVI nUM ishqmMd rwKx ‘c mddgfr huMdf hY.
Minimum piece rates for hand harvesting specified farm crops will increase by 3.9% on Tuesday, Dec. 31, 2024.
The increase applies to 15 agricultural crops harvested by hand as specified in the employment standards regulation. The hand-harvested crops are peaches, apricots, brussels sprouts, daffodils,
mushrooms, apples, beans, blueberries, cherries, grapes, pears, peas, prune plums, raspberries and strawberries.
This is an annual increase based on B.C.’s average annual inflation rate in 2023 and is consistent with the 3.9% increase to the general minimum hourly wage that came into effect on June 1, 2024. After
legislative changes were made to the Employment Standards Act in spring 2024, increases to the general minimum wage and piece rates will come into effect each year on June 1 and Dec. 31 respectively, based on the previous year’s average inflation rate.
Quick Facts:
Each of the 15 hand-harvested crops has its own minimum pay rate.
Farm-worker piece rates in B.C. were increased by 11.5% in January 2019 and 6.9% in January 2024.
B.C.’s farm-worker minimum piece-rate system has been in place since 1981.
Eligible people will get some help with their holiday bills with benefits and credits arriving in the new year.
“I know the high cost of living can cause pressure for so many people during the holiday season,” said Brenda Bailey, Minister of Finance. “While high prices persist across the country and around the world, we are working hard to help offset costs for people in B.C. with tax credits that put more money into people’s pockets when they need it most.”
First in 2025 will be the quarterly climate action tax credit with payments expected to arrive in bank accounts on or around Friday, Jan. 3, 2025. Approximately 65% of families and individuals in B.C. receive money through this credit. The average
annual credit is an estimated $440 for individuals with no dependent children, $680 for single-parent families and $613 for multi-parent families.
Later in January 2025, more than 340,000 families with lower or middle incomes can count on their BC Family Benefit payment, now wiith a temporary cost-ofliving bonus. The 25% increase means an average of $445 more a year for families. A family of four can receive as much as $3,563 a year, while a single parent with one child can receive as much as $2,688 per year. The family benefit is deposited in bank accounts around the 20th of each month.
The Province is working in other ways to help people with costs, such as:
minimum wage increases; lower car-insurance costs; reduced child care fees; free prescription birth control; free transit for kids; capping rent increases to inflation; and through a new tax credit, returning as much as $400 a year to 75% of people who rent in B.C.
People can find out how to access provincial government benefits and savings programs on the BC Benefits Connector, which is available online. The website is available in simplified Chinese, traditional Chinese, Punjabi, French and English.
Help in other languages is available by calling Service BC toll-free at 1 800 6637867.
Many of the benefits and tax credits are automatically sent to eligible people if they have filed their income taxes. These are payments from the B.C. government and delivered on the Province’s behalf by the Canada Revenue Agency, and appear on bank statements as payments from the Government of Canada.
Worried about mail delays? If you have not already, you can sign up with the Canada Revenue Agency to get benefits and credits deposited automatically into your bank account.
While we usually only think of our stomach when we’re hungry, a healthy gut is important to your overall health. Your stomach is filled with countless good bacteria that help with everything from digestion to bone health and your immune system. Here are some easy ways to keep your stomach in top shape.
Eat more fibre
You’ve likely heard that it’s important to eat fibre to promote regularity. But fibre also feeds and promotes the diversity of beneficial bacteria in your gut.
Some foods, including prunes, contain soluble and insoluble fibre. Soluble fibres can be digested, while insoluble fibres help foods pass through your digestive system.
A serving of about five prunes has only 100 calories but provides a source of potassium, vitamin K, antioxi-
dants and other essential nutrients. They don’t require refrigeration, so you can keep them in your desk drawer for a handy midday snack.
Look for nutritious alternatives
Their natural sweetness means you can swap out one-third to one-half of the sugar in a recipe. You can replace up to three large eggs in any recipe by using ¼ cup (60 ml) of puree for each egg. Reduce the amount of butter or oil a recipe calls for by using an equal amount of prune puree.
Looking for ways to reduce the sugar, eggs or oil in your favourite recipes? A simple prune puree is a great option.
To make the puree, simply blend about 8 pitted prunes with some hot water.
On January 4, 2025, a community event was held at the Aroma Bistro located in Abbotsford, in support of Steve Schafer, a candidate for nomination for the Conservative Party for Abbotsford-South Langley area. The event, sponsored by Highway King Transport, saw a gathering of several local leaders, community members,
and representatives from both the Hindu and Sikh communities.
Key attendees included Korky Neufeld, MLA for Abbotsford West (Conservative), as well as Township of Langley Councilors Margaret Kunst and Barb Martens. Other notable figures included Pardeep from Triple 8 Transport, Tony Singh from
Apna Truck Show, Kevin from Valley Select, and Mehmet from Container World. The event was also attended by members of the local Hindu Temple and the Sikh community, along with a wide range of friends, family, and supporters. A special note of gratitude was extended to Sukh, the owner of Aroma Bistro, for hosting the event, which was marked by a strong show of local
support for Steve Schafer’s campaign. The gathering highlighted the sense of community and solidarity among local leaders and residents as they rallied behind Schafer’s candidacy in the upcoming election.
Disclaimer: This is a paid advertisement sponsored by supporters of Steve Schafer’s campaign.
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Whether you’re back in the office or still working from home, weekday lunches can be bland or boring - whether a mix of leftovers or empty calories from on-the-go meals. Break away from the usual with an avocado bibimbap that’s both easy to prepare in advance and nutritious.
The traditional Korean rice dish is a vibrant lunch that bring a burst of flavour to your day. Avocados from Mexico lend a creamy texture that balances the savoury mix of rice, vegetables and a spicy kick, making it the perfect dish to keep you energized even during an afternoon slump.
Avocado Bibimbap
Prep time: 25 minutes
Cook time: 15 minutes
Makes: 1 bowl
Ingredients:
1 ripe avocado from Mexico, sliced
1 cup (250 ml) cooked sticky rice
1 carrot, julienned
1 zucchini, julienned
1 cup spinach, blanched
1 egg, fried sunny-side up
½ cup (125 ml) kimchi
1 tbsp (15 ml) sesame oil
1 tbsp (15 ml) gochujang (Korean chili paste)
1 tsp (5 ml) soy sauce
1 tsp (5 ml) sesame seeds, for garnish
Directions:
Sauté carrots and zucchini lightly in sesame oil. Blanch spinach for a minute and season with soy sauce.In a bowl, add rice and top with avocado slices, sautéed veggies, spinach, kimchi and fried egg. Drizzle with sesame oil and gochujang, and garnish with sesame seeds. Mix everything together before eating.
Major improvements to the Uptown area of Saanich will make it easier for people to choose transit to get around Greater Victoria.
A contract has been awarded for the completion of the Ravine Way Transit and Active Transportation Improvements at the Uptown Mobility Hub. This hub will become the region’s principal RapidBus exchange and route connector.
Windley Contracting Ltd. of Nanaimo was awarded the contract in fall 2024. Construction is underway. The project is expected to be completed in summer 2025.
Construction of a new roadway, active transportation and transit infrastructure will include four new bus stops with shelters (two of which will be on the Trans-Canada Highway) and dedicated bus lanes.
The project will also improve pedestrian safety and active transportation surrounding the hub by improving crosswalks and intersections, and creating new multi-use pathways to build connections to the adjacent Galloping Goose Regional Trail network.
“As this area gets increasingly busy, we know people who live in and around Victoria count on connections that get them to and from home, work and school – quickly,” said George Anderson, B.C.’s parliamentary secretary for transit. “These improvements, along with our plans for the transitoriented development at Uptown, will create a hub that delivers fast travel, easy connections and better livability for everyone.”
“A connected, sustainable, and inclusive community is the cornerstone of a thriving, livable future,” said Harjit S. Sajjan, federal Minister of Emergency Preparedness and Minister responsible for the Pacific Economic Development Agency of Canada, on behalf of Nate Erskine-Smith, federal Minister of Housing, Infrastructure and Communities. “These improvements will enhance the reliability of transportation services, prioritize pedestrian safety and improve access to jobs and essential services, paving the way for a more sustainable and efficient future across southern Vancouver Island.”
Funding for the Uptown Mobility Hub was announced in September 2024, with the Province investing $15.5 million and the federal government
These improvements support the future transit-oriented development in Saanich announced by the Province in April 2024. The improvements are designed to increase housing supply, promote sustainable transportation options and enhance overall livability.
investing $4.5 million through its Public Transit Infrastructure Stream of the Investing in Canada Infrastructure Program.
The work will connect all transit services in the region and follows other transit and active-transportation improvements, such as the Highway 1 Bus-On-Shoulder-Lanes project, the Colquitz Bridges Widening project and BC Transit’s transit-priority lanes in the Six Mile area of View Royal – making for easier, continuous and faster travel between communities.
The Uptown Mobility Hub is another step forward in the Province’s South Island Transportation Strategy, which focuses on improving the sustainability and resiliency in southern Vancouver Island communities through highway, transit and active transportation improvements.
Diana Gibson, Minister of Jobs, Economic Development and Innovation, has issued the following statement on the release of Statistics Canada’s Labour Force Survey for December 2024:
“B.C. closes out 2024 on a positive note with a gain of 14,100 jobs in December, even as slow global economic growth and the threat of proposed U.S. tariffs continue to be felt across Canada.
“Our province continues to show strength with a gain of 4,300 privatesector jobs last month, building on additional private-sector job gains over the past few months. Our unemployment rate continues to be one of the lowest in the country (third at 6.0%), and below the national average of 6.7%.
“Youth employment in B.C. increased in December by 8,700 jobs, and B.C. had the second largest increase in youth employment among provinces.
“B.C. ranked first among all provinces in 2023 real GDP growth at 2.4%. In 2022 and 2023, the province attracted a record-setting $117 billion in capital investment, 73% more than in 2016 and 2017.
“I know British Columbians are also keenly aware that workers, families and businesses across Canada and the United States are under the real and imminent threat from the tariffs proposed by the incoming Trump administration.
“We are standing together to defend jobs in B.C. and across the country.
Premier David Eby and other Canadian premiers will participate in a strategic trade mission to Washington, D.C., on Feb. 12 to meet with senators, house representatives and leadership from both sides of the aisle and outline the retaliation measures we’re willing to take, and the devastating impacts these tariffs will have on both sides of the border.
“We are also looking at ways to enhance trade with the other provinces to both support B.C. businesses and Canada’s united approach in addressing additional tariffs. B.C. is taking action to adapt to these new realities through expedited permitting, through necessary response work to forestry and the impacts on that sector. We are also diversifying our trade partners, so we’re in a position to replace U.S. export customers that we may lose as a result of the potential tariffs.
“As our province, as well as the rest of Canada and the world, meet economic challenges, we are working to attract investment and boost our economy with good jobs that support people to build good lives in B.C.
“B.C.’s Labour Market Outlook shows almost 117,000 job openings in science, technology, engineering and math occupations over the next decade. Post-secondary education and
skills training plays an invaluable role in closing the skills gap, supporting economic sustainability and growth in our province.
“That’s why our government is investing nearly $75 million over three years toward creating 3,000 new techrelevant spaces so more people can train for good jobs, as well as the clean, innovative economy of the future. This is on top of the 2,900 student spaces created over the past six years, for a total of nearly 6,000 new tech-relevant spaces in B.C. since 2017.
“Our government is taking action through our Industrial Blueprint and working collaboratively across all sectors to seize opportunities, drive growth and create jobs in a clean economy that works better for people.”
Saving for retirement can be a daunting financial challenge, but it doesn’t have to be. Many Canadians share this concern, especially with the rising cost of living. As people live longer, they feel they need more money than ever before. Fortunately, there is hope with the Canada Pension Plan (CPP).
A recent survey by CPP Investments found that Canadians have increased their retirement savings goal from $700,000 to $900,000 over the past year — a significant 29 per cent jump. While nearly two-thirds of Canadians aged 18 to 24 feel anxious about financial decisions, this number drops to just one-third for those aged 65 and older. Seniors are clearly less stressed about
their finances compared to younger Canadians, and there’s a reason for that.
Importance of CPP at age 65: Why is 65 such a pivotal age? That’s when many Canadians begin receiving their benefits. Through your CPP contributions, you’re investing in your financial future. Canadian workers have a solid foundation for retirement with the fund, and seniors know this well because many of them are already receiving their benefits.
Understanding the value of the CPP can boost your confidence in having enough money for retirement. Nearly three-quarters of Canadians who are very familiar with it feel confident in their retirement savings, according to the survey. This shows how important
it is to understand the benefits and to know that they are indexed to inflation and payable for as long as you live.
CPP Fund's financial strength: Managed by CPP Investments, the fund has more than $675 billion in assets, making it one of the largest pension funds in the world. It is projected to be sustainable for at least the next 75 years, providing financial support for generations of Canadians.
Building a solid understanding of your personal finances and seeking resources to improve financial literacy
can help you manage money more effectively. Saving for retirement can be challenging, but having a solid plan can ease financial anxiety. Fortunately, more than 22 million Canadians have a head start on their retirement planning.
Are you feeling financially stressed? It’s easy to see why people are feeling this way. Canadians are facing affordability challenges that impact everything from gas and groceries to retirement. Saving for retirement can seem daunting when you’re struggling to pay rent, and the cost of living continues to rise. Fortunately, for Canadians there is hope with the Canada Pension Plan (CPP).
A recent survey from CPP Investments reveals that most Canadians are worried about running out of money in retirement. Young people are especially concerned, with the majority of Canadians aged 18 to 24 reporting significant anxiety over financial decisions.
Retirement savings head start: Fortunately, there’s good news. Canadians
have a head start on their retirement savings with the CPP. It aims to replace up to 25 per cent of the average worker’s pensionable earnings. With enhancements introduced in 2019, this rate will increase to approximately 33 per cent for future generations. The pension is indexed to inflation and you receive benefits for as long as you live.
Think of your retirement income like a table; the CPP is one leg, but you’ll need other legs for support, as well. Retirees can rely on Old Age Security, employer pensions, personal savings and investments. Each of these sources can play a crucial role in your overall retirement strategy.
Planning for financial security: Understanding your financial situation and planning can reduce stress and give you the confidence you need to feel
good about retirement. Managed by CPP Investments, the fund today has more than $675 billion in assets, making it one of the largest pension funds in the world. The CPP is projected to be sustainable for at least the next 75 years, providing financial support for generations of Canadians.
A successful future starts with a successful plan. Through your contributions, you’re already building a solid foundation for a secure retirement. And with its benefits payable to you for as long as you live and indexed to inflation, you can rest assured that your savings will keep pace with the rising cost of living. Feeling financially secure is about more than just numbers; it’s about confidence. Knowing that the CPP will be there for you can help reduce financial anxiety.
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zy-kyar
Grocery/Produce Store for sale in Burnaby
• Doing over 2MM sales
• Store hrs 7Days
• Very good income
• Price$499,000.00
• kImq $499,000.00
Nothing warms your soul – and belly – like a hearty, homemade casserole. This recipe uses vegetables you probably already have in your fridge’s crisper drawer.
If not, it’s versatile enough that you can swap in whatever vegetables you do have on hand.. Prioritize using winter produce, and if you need more ingredients, find quick deals at nearby grocery stores through apps like FoodHero. Freeze any leftovers for an easy meal another day.
Hearty Casserole
Prep time: 35 minutes
Cook time: 40 minutes
Makes: 4-6 servings
Ingredients:
½ turnip or rutabaga (your choice)
3 carrots
2 parsnips
2 sweet potatoes
1½ tsp salt (7 ml) divided ¼ cup (60 ml) butter
½ package cream cheese
2 cups (240 g) package panko or breadcrumbs
500 g (1 lb) ground beef or turkey (your choice)
Directions:
Peel and wash the vegetables and cut them into cubes or small chunks.
Combine them in a large pot with 1 tsp (5 ml) of salt, cover the top and bring to a boil. Cook until soft enough to pierce through with a fork, checking in on them regularly.
While the vegetables are cooking, heat a pan over medium heat. Add ground meat to the pan and cook until it is thoroughly browned, about 6 to 8 minutes, breaking it up with a spoon as it cooks.
Once meat is fully cooked, remove pan from the heat and drain any excess fat.
Drain your vegetables in a strainer, then put them back in the pot.
Scoop out the mixture and flatten it into a deep 9 x 13-inch dish.
Use a potato masher or any flat kitchen tool to mash the vegetables into a creamy texture. Add butter, cream cheese and remaining salt. Mix well until the batter has a consistency to your liking.
Add the browned meat to the vegetable mixture and mix well.
Sprinkle the top of the casserole with panko or breadcrumbs.
Place in oven preheated to 350°F (175°C) for about 30 minutes. Finish by browning the top under the broiler.
Tip: Save the broth when you strain the vegetables for another recipe or as a delicious soup on its own.
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Any hectic activity that has just started to You are in a good position to make some final decisions on something you may have first considered late July to mid August. The position of somebody else may be clearer now, particularly if they decide to bring something to an end. If this does happen it can make it easier in some way when it comes to normal routines in life.
Someone else can be very straightforward as to what they either like or expect from you. Be careful you don’t read into this more than is being offered, particularly if there is an expectation for you to take on responsibilities or to put things in place. Make decisions up to late September that will keep you in control of your finances.
Whatever you had to rethink when it comes to putting things in place since mid August will now allow you to be clear of mind to late September when it comes to something that might have been first discussed late July to mid August. You can now make decisions that please you. Don’t be tempted to spend too much though.
You are in an excellent position to be able to make decisions to late September that will take your life forward. You can feel as though you have greater personal choice or some control at last. There might be a second stage to this from January to April next year and for this reason it could be wise to ensure there is some flexibility.
Whatever financial decisions you may have first considered from late July to mid August can now be looked at more thoroughly, especially in relation to the best actions to take to be able to move forward. You need to be able to satisfy your own priorities, which may not necessarily fit in with the expectations of somebody else.
You are in a good position to come to realisations regarding any situations where you might feel as though you are taking on more than is reasonable on a regular basis. This is more about making decisions to bring matters to an end where commitments attached will have an inhibiting effect on possible future accomplishments.
Focus on anything you are determined to develop more for your own independence in the future. You can realise that contemplation alone will not move things forward. From now to early September you need to look at the commitments that would need to be taken on. Doing this in stages will help you to get used to the changes.
You could come to the realisation, from now to late September, that it is better to scale down ideas you might have had late July to mid August to be able to take these things into the future successfully. Others might have bigger ambitions but you can be happier with small steps, allowing you to have a feeling of better control.
Having absolute confidence about how you stand on any matter will engender respect from others, even though they may not fully agree with you. This could result in clarity when it comes to commitment and support, which may have been an issue from late July to mid August and was left hanging. Be mindful of the obligations you take on.
Something you thought had become evident since mid August where someone else’s decision making is concerned could again become more unknown to late September. It could be that they need to withdraw to make final decisions. These could involve taking your priorities into account as well as generating some sort of pleasure in life.
You are in a position to late September to contemplate future plans and possibilities that you may have wanted from late July to mid August but could not finalise. You have the opportunity to engage with others and get a response. This could also have a lot to do with leaving the past behind up to 20th November so you can move on with a new life direction.
Something that wasn’t made perfectly clear or finalised by somebody else between late July and mid August can now return to late September where final decisions need to be made by them. It can be up to you to ensure they do not avoid responsibilities that could leave you with too much to get properly organised or put into place.
The Canada Pension Plan (CPP) has been in place for almost six decades, but there’s a persistent – and unfounded – concern among some Canadians that it will not be there for them when they retire.
According to a recent survey, almost 30 per cent of respondents fear CPP benefits will not be available to them in retirement and another 25 per cent are not sure. The survey did not delve into the reasons why, but the concerns expressed by those surveyed could go back to the mid-1990s, when it was estimated that the Canada Pension Plan would not be able to cover benefits by the mid-2010s; or, perhaps it’s the influence of the United States, where social security is forecast to be insolvent by the mid-2030s.
and beneficiaries. As of September 30, 2024, the CPP Fund stands at $675 billion. And it’s worth noting that pension contributions that come off your pay can only be used to pay CPP benefits; and cannot be used by any governments for any other purpose.
Did you decide that this year you would be more eco-conscious about your shopping habits? Good for you – and the rest of us who share the planet with you. To help you on your green journey, here are four ways to be a more considerate consumer this year.
Waste not, want not
CPP Fund's financial stability: The fact of the matter is, the fund is on a firm financial footing thanks to actions taken more than 25 years ago by the federal government and the provinces that participate in the pension plan. They raised contribution levels and created CPP Investments, a professional investment management organization that is overseen by an experienced board of directors and is accountable to Parliament and the federal and provincial finance ministers.
CPP Investments manages excess funds that are not currently needed to pay pension benefits in the best interest of more than 22 million contributors
Checks and balances for financial sustainability: There are strong checks and balances in place to ensure the financial sustainability of the system. Every six years, CPP Investments undergoes a special examination of its systems and practices by an independent examiner. In addition, the Office of the Chief Actuary (OCA), an independent federal body, reviews the future costs and financial stability of the CPP every three years. The OCA’s most recent report reconfirmed that the Canada Pension Plan is financially sustainable under legislated contribution rates for at least the next 75 years – the longest period actuarial forecasts can look out.
These factors – a professional investment manager combined with strong oversight – means you can have confidence that your benefits will be there for you for as long as you live – for generations to come.
Here’s a shocking figure: Collectively, Canadians generate more than 50 million tonnes of food waste every year. We can each do our part to reduce that amount. Before you go grocery shopping, look in your fridge for produce and other perishables that can be incorporated into a meal. If you make a large meal and won’t be able to consume it all before it goes bad, freeze individual portions and use them for lunch or a quick meal another day.
You can also use an app like FoodHero to find deals on groceries that would otherwise go to waste. Building apps like that into your routine when making your shopping listwill help you snag discounted proteins, fresh and frozen produce, and more on the shelves of nearby grocers that are approaching their best-before date.
Avoid disposable items
When hosting a party or going on a picnic, it can be tempting to use disposable plates, cups and cutlery for their convenience. But, ultimately, they’re a waste of money that adds to our already overloaded landfills.
For another example, instead of using single-use plastic sandwich bags to
pack your lunch in, use a container that can be washed and reused countless times.
Upcycle unwanted items
“Upcycling” refers to giving products a second lease on life. As they say, one person’s trash is another’s treasure. So, instead of buying new clothing, furniture and other household items, shop at thrift and second-hand stores. When you’re done with something, consider donating it to a charity that can resell it and use the proceeds to help fund their work.
Buy local and seasonal
Most people know that buying local helps keep their hard-earned money in their own community. Buying locally raised food helps support farmers. And, when you buy in-season produce, you’ll get the best prices of the year.
Buying locally also lowers your personal carbon footprint. The closer to home your food is grown, the less emissions are required to transport it to your table.
Discover where to find low-cost local produce and track your CO2 emission savings from the products you’ve rescued at foodhero.com.
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kYlgrI(sqnfm isMG Zfa): arpn ilKfrI sBf dI ies sfl dI pihlI mhInfvfr mIitMg 11 jnvrI nUM koso hfl ivc hoeI, ijs dI pRDfngI zf[ jogf isMG shoqf aqy jgdyv isMG iswDU ny kIqI. skwqr dI iËMmyvfrI inBfAuNidaF aqy nvF vrHf mubfrk afKidaF jrnYl isMG qwgV ny awj dI mIitMg dy ivcfr vtFdry bfry gwl kridaF, gurU goibMd isMG jI dy pRkfÈ purb bfry, gdrI bfby sohn isMG Bknf bfry, lohVI- mfGI, cfÜI mukiqaF bfry, Bfrq dy sfbkf pRDfn mMqrI zf[ mnmohn isMG bfry aqy cwl rhy iksfnI morcy bfry mOky muqfbk ZwukvyN ÈbdF rfhIN sroiqaF nfl sFJ pfeI. nfmvr Èfier kysr isMG nIr ny afpxI ÊËl rfhIN ÈurUafq kIqI ‘dosqf qUM dosqI dI Èfn vrgf Éq ilKIN’. lKivMdr jOhl ny krnYl isMG pfrs dI ilKI Coty sfihbËfidaF bfry kvIÈrI ‘ikAuN PVI ispfhIaF ny, BYxoN ieh hMsF dI joVI’ suxf ky sroiqaF dIaF awKF nm kr idwqIaF. prpwk gfiek zf[ hrimMdrpfl isMG ny iÌlmI gIq qoN ielfvf ivaMg qy hfsrs dI kivqf ‘pMizq jI kI ieh lfl myrf’ dogfxf Ausy aMdfË ivc gf ky afsf isMG msqfnf aqy suirMdr kOr dI Xfd nUM sfkfr kr idwqf. zf[ jogf isMG shoqf ny sfihr luiDafxvI dI ÊËl ‘n Jtko ËulÌ
sy pfnI, Xyh moqI PUt jfeyNgy’, iek gIq kYÌI
afËmI df gIq ‘imly n PUl qo kFtoN sy dosqI kr lI’ qoN ielfvf hIr vfirs Èfh dI bYNq
‘hIr afKdI jogIaf JUT bolyN, kOx ruwTVy Xfr
mnFvdf eI’ nUM afpxI purKlUs afvfË nfl
ieAuN pyÈ kIqf ik sroqy mMqr-mugD hoey rhy. jsvIr ishoqf ny afpxI qfËf ilKI kivqf
‘CwizE nf hwQF ivwcoN, rMby, khIaF, dfqIaF’ rfhIN iksfn puwqrF nUM KyqI df DMdf jfrI rwKx df sunyhf idwqf.mfstr hrBjn isMG afpxy
sÌrnfmy df iek cYptr pVH ky suxfAuidaF sroiqaF nUM pYirs dy afeIPl-tfvr qwk lY
igaf. kuldIp kOr GtOVf ny ruwKF nfl sFJ
pfAuNdI kivqf suxfeI. jnfb sbfh sfdIk dy Aumdf ÈyarF ivwcoN iewk nmUnf ÊOr-ey-iËkr hY ‘afeIny ky sO tukVy kr ky hm ny dyKy hYN, eyk myN BI qnhf Qy sO myN BI qnhf hYN’suxf ky sroiqaF qoN vfh vfh KwtI. sqnfm Zfa ny crn isMG sÌrI dI bhuq hI mkbUl kivqf ‘mfqf Bfgo jI dI vMgfr’ cfÜI
mukiqaF df pRsMg lMmI BfvpUrq kivqf rfhIN
pyÈ kr ky iKdrfxy dI Zfb dI jMg df idRÈ
rUpmfn kr idwqf. bhu-ivDfeI lyKk srdUl isMG lwKf ny afpxIaF ilKIaF pMjfbI aqy aMgRyËI dIaF do kivqfvF df Aucfrn kIqf. pRo[ bldyv isMG duwlt ny Bfrq dy sfbkf pRDfn mMqrI mrhUm zf[ mnmohn isMG dy
sMjIv JFjI, jgrfAuN
ieh isrÌ duwD kfVHn dy hI nhIN sgoN KIr bxfAux dy vI kMm afAuNdI hY. pr awjkwlH ieh kfVHnI sfzy qoN lgpg Kuws cuwkI hY. hflFik kuJ lok hfly vI ies nUM ivrfsq dy icMnH dy rUp ivc afpxy GrF ivc vrqdy hn. pihly simaF ivc iËafdfqr BFzy imwtI dy hI huMdy sn. kuJ ipwql aqy kFsI dy vI huMdy sn. imwtI dy BFizaF nUM hI sfry kfrjF leI vriqaf jFdf sI. ienHF BFizaF ivwcoN hI iek BFzf hY kfVHnI. kfVHnI asl ivc Aus BFzy nUM ikhf jFdf hY ijs ivc duwD nUM Aubfilaf jFdf hY. sfrf idn ies ’qy ipaf duwD Aubldf Bfv kVHdf rihMdf hY, ies leI ies nUM kfVHnI ikhf jFdf hY. cIkxI imwtI dI bxI ieh kfVHnI asl ivc GVy vrgf hI iek moty qly vflf brqn huMdf hY. kfVHnI df mUMh cftI dy mUMh nfloN QoVHf ijhf Cotf huMdf hY. ies ivc lgpg 10-12 iklo (asl ’c iltr) duwD af jFdf hY. pihlF ieh lgpg hryk Gr ivc hI huMdI sI. pr hryk twbr afpxy ihsfb isr ’qy afpxy duwD dI vrqoN dy ihsfb nfl ies nUM vwzf qy Cotf rwKdf sI.
Bfv keIaF kol kfVHnI CotI aqy keIaF kol
iËafdf vwzI vI huMdI sI. svyry duwD nUM co ky
kfVHnI ivc pf ky hfry ivc Dr idwqf jFdf sI. hfry dy inMmy-inMmy syk ’qy ieh duwD hOlI-hOlI
Aubldf-kVHdf rihMdf hY. hOlI rÌqfr nfl grm
ho ky Aublx kfrn duwD dy poÈk qwq Aus ivc pUrI qrHF mOjUd rihMdy hn qy iËafdf kVHn nfl
ieh duwD kfVHnI dy rMg vrgf QoVHf ijhf lflI
’qy ho jFdf hY. ijhVf pIx leI bhuq suafdlf
lwgdf hY. ieh isrÌ duwD kfVHn dy hI nhIN sgoN
KIr bxfAux dy vI kMm afAuNdI hY. pr awjkwlH
ieh kfVHnI sfzy qoN lgpg Kuws cuwkI hY. hflFik
kuJ lok hfly vI ies nUM ivrfsq dy icMnH dy rUp
ivc afpxy GrF ivc vrqdy hn. pr ieh lok
QoVHy hn. jF ieMÖ kih lE awj-kwlH dy bwcy ies
nUM GVf kih ky hI sfr idMdy hn. hflFik ieh
GVy qoN vwKrI huMdI hY. ies df qlf motf huMdf hY
ikAuNik qly ny hmyÈf syk sihxf huMdf hY.
jIvn, pRfpqIaF aqy Xogdfn Aupr BrpUr rOÈnI pfeI.jgdyv iswDU ny lohVI dI ivrfsqI aihmIaq nfl joV ky duwlf BwtI dy nfbrI, dlyrI aqy ÊYrq vfÜy ikrdfr nUM pMjfbI suBfa df pRqIk dwisaf. jgdyv isMG iswDU ny. awj dy ivcfr vtFdry bfry gwl kridaF qswlI pRgt kIqI ik awj dI mIitMg ivc sfihq dy vMn-suvMny rMg ijvyN kivqfvF, gIq, lyK, kvIÈrI, sPrnfmf, ÊËlF aqy Èyar Èfml hoxf slfhuxXog pRfpqI hY.jrnYl qwgV slIky nfl kfrvfeI clfAuNidaF Èyar vI prosdf irhf, ijnHF ivwcoN iËkrXog iewk
ieh sI ‘BfvyN isÌrf kwK nhIN huMdf, isÌry bfJoN lwK nhIN huMdf qyry nfÜ hY kImq myrI, ieh soc ky vwK nhIN huMdf’.ienHF qoN ielfvf ies sfihqk ivcfr crcf ivc mihMdr kOr kflI rfey, avqfr kOr qwgV, rfivMdr kOr aqy gurdIp isMG ghIr dI hfËrI vI iËkrXog rhI.
aÉIr ivc pRDfn zf[ jogf isMG shoqf ny pyÈkfrIaF dy imafr nUM slfihaf, mIitMg nUM XfdgfrI dwisaf aqy hfËrIn df DMnvfd kIqf.
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