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October 14th, 2016

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Husband and 'hitman' found guilty in Surrey mother's murder -CBC NewsA jury has found Baljinder Singh Bahia guilty of first degree murder for planning the death of his wife and using a "hitman" to carry out the deed. The judge sentenced both men to life with no eligibility for parole for 25 years and called the crime one of "cold, enormous cruelty." The family of the victim, Amanpreet Kaur Bahia, reacted in tears after the sentencing Saturday. They say there is no real justice, only sorrow, in this case. "She was very hard working, she was so innocent. And how her life was gone, and how it impacted everybody's life around her, it's very sad. It was very sad to see how she was murdered," said Perminder Chohan, the victim's uncle. The body of the young mother of three was found inside her Newton home in Surrey in 2007. Baljinder Singh Bahia and the man he hired to carry out the brutal slaying, Eduard Baranec, heard the verdicts in B.C. Supreme Court in New

Westminster on Saturday. Baranec was also found guilty of first degree murder. Third person, Tanpreet Athwal, is also charged with first degree murder in the case, but has not gone to trial. The court heard that Athwal and Bahia were suspected of having an affair and allegedly schemed to kill Bahia's wife. The victim's brother, Jugraj Kahlon, came from India to hear the verdict today, but says there is no real justice in a case like this. "We are satisfied that justice has been

done, but for us it is not a game to win or lose. We are losing from the very first day. And today we also lose. First we lost our sister and now we are thinking about their kids. They're going to not have their mother. They're going to not have their father," he said. "We are satisfied that justice has been done but we are not happy. We can't be happy. It is only a satisfaction that the person who did this, they have to pay. But this is the satisfaction â&#x20AC;&#x201D; maybe now she will be rest in peace." Undercover sting This came after an undercover police investigation which started in Saskatchewan. The court heard that the police sting was underway on an unrelated case when Baranec disclosed information about the Surrey mother's murder and his connection to a realtor named Tanpreet Athwal. Investigators set up a series of scenarios during which an officer posed as a member of a fictitious criminal organization and Baranec proceeded to

brag about Ontario murders he claimed to have committed, which ended up to be non-existent. The Crown presented evidence, including audio recordings, to prove that Baranec was paid $15,000 to carry out Amanpreet Kaur Bahia's murder. Eventually, an undercover officer met with Baljinder Singh Bahia. By then, police suspected he plotted to kill his wife and hired Baranec as a contract killer. Baranec's lawyer, Matthew Nathanson, told the court his client confessed to crimes in "enormous detail" to make himself look like a "tough, experienced criminal." He believed he was talking to a crime boss and wanted acceptance into the criminal organization, the court heard. But he made mistakes, his lawyer pointed out. Baranec claimed to have stabbed Bahia in the chest and made a single cut to her throat. In fact, she was stabbed in the back and her throat was slit several times, according to a medical expert's testimony.

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Apna Roots, October 14th, 2016

Crown seeks 12-18 months in jail for drunk driver -By Andrew Fleming A Surrey man who caused a horrific accident while drunk behind the wheel was in Surrey Provincial Court on Wednesday (Oct. 5) for a sentencing hearing after pleading guilty to several charges. Crown Counsel Kim Wendel told the court blood samples taken after his arrest indicate Christopher Malloy, 52, was between three to five times above the legal limit for driving when he clipped a car from behind while driving west on Fraser Highway in January 2015. Instead of stopping, he stepped on the gas and blew through a red light at the intersection of 152 Street at a speed witnesses estimate at around 150 km/h, more than double the speed limit of 60 km/h, Wendel said. A few blocks later, Malloy’s

Hyundai Santa Fe rear-ended a vehicle driven by Gurb Aujla, a father of four who was returning home from hockey practice with his 10-year-old son. The

impact sent the Aujlas’ Saturn Vue into oncoming traffic, where it was struck a second time by a Toyota Tacoma driven by Georgia Yost, a community college

Domestic incident-related charges against former Winnipeg Jet stayed BY THE CANADIAN PRESS WINNIPEG – Assault charges have been stayed against a former National Hockey League star and Winnipeg city councillor. Manitoba’s justice department says in a statement that the Crown has entered a stay of proceedings against Thomas Steen. Steen was charged in May 2014 with two counts of assault and one count of uttering threats after what police said was a domestic incident at a restaurant. Steen was a member of Winnipeg city council at the time, and lost a bid for re-election later that year. Steen, who is 56, played for 14 years with the Winnipeg Jets before

retiring from hockey in 1995. But he is scheduled to play alongside other former Jets in an alumni game against former members of the Edmonton Oilers on Oct. 22. The game takes place one day before the outdoor Heritage Classic between the current Jets and Oilers.

The justice department gave no explanation for the stay against Steen. “Following a review of all the circumstances, the Crown determined that a stay of proceedings was the appropriate course of action,” said the department’s statement Thursday. Steen took a short leave of absence from council after his arrest, citing a “personal and private issue.” He also removed himself from the Winnipeg Police Board — a civilian group that oversees the city’s police force. Prior to his time on council, Steen ran for the Conservative party in the 2008 federal election. He finished a close second to New Democrat Jim Maloway.

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student and young mother of four. Aujla, now 54, was left paralyzed from the chest down by the accident, while both his son and Yost received significant injuries that linger to this day. Wendel told the court two passing Good Samaritans who stopped to assist said they were called “Pakis” and “terrorists” by Malloy, who escaped without any major injuries but had to be cut out of his vehicle by firefighters after it ended up in the ditch. Firefighters who responded to the scene described Malloy’s behaviour as “aggressive” and “combative,” crown said. Malloy has pled guilty to multiple charges of impaired charges causing bodily harm as well as single count of failing to remain at the scene of an accident and is facing a maximum sentence of 10 years in jail. Wendel asked Judge Danny Sudeyko for a prison sentence in the “upper range” of 12 to 18 months and 60 days to be served consecutively for failing to remain at the scene. while defence lawyer Sarah Leamon argued that a similar sentence in the “lower range” would be more appropriate given Malloy’s early guilty plea, remorse and because he has both quit drinking and is undergoing counselling to treat his long, self-admitted history of alcoholism. Malloy, wearing a polo shirt and denim pants, offered a brief apology to his victims. “I can never say or do anything to repair it,” said Malloy in a choked voice while facing the judge. “I just want to apologize to everyone.” While Malloy has no criminal record, his driving history shows numerous infractions dating back to 1987. He has received a total of six 24hour driving prohibitions in the last eight years as well as a 90-day driving ban for refusing a roadside breathalyzer test in 2014. The court heard several victim impact statements from the Aujla family and their supporters describing the financial and emotional devastation the incident has caused them. Aujla, a former longshoreman and the family’s sole bread-winner, said he doesn’t think a sentence of 12 to 18 months is nearly enough and didn’t accept the offered apology for ruining his life. “If he was really sorry, he could’ve at least turned around and looked at us,” said Aujla outside the courtroom after the proceeding was over. “What does a person have to do to get 10 years?” Judge Sudeyko is scheduled to deliver a sentence Oct. 26.

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Apna Roots, October 14th, 2016

Ecstatic Coquitlam mayor rides SkyTrain to city centre after long wait “Going through that tunnel you can see what a massive project that was,” he said. “At the end of the day, I know people are going to forget that we were delayed in the opening because of the tunnelling, but they’re going to be absolutely thrilled when they get on these cars and are able to travel throughout the entire region.”

-Vancouver SunOn Tuesday, Coquitlam Mayor Richard Stewart had the opportunity to do something he’s been waiting to do for decades — ride the SkyTrain into the centre of his city. “This is an exhilarating day,” Stewart said. “We’ve been waiting for the opening of SkyTrain to Coquitlam Centre for all of my adult life. It’s been 25, 30 years in the making and we’re just ecstatic.” Stewart was among a small group of politicians and reporters who rode the new Evergreen Line Tuesday from Burquitlam station through Port Moody to the terminus at Lafarge Lake. Lougheed Town Centre station, the

Cost overruns for the tunnel problems and others that occurred during construction will be picked up by SNC-Lavalin, which led the consortium that built the line and has a fixed-price contract with the province, Fassbender said.

line’s first stop, was not included in the tour. The $1.43-billion, 11-kilometre line is expected to start running sometime before Christmas — a specific start date has not been revealed.

exiting the tunnel just east of Barnet Highway, the train travelled at grade through Port Moody toward Coquitlam Centre station. From there, it became elevated for the last two stations: Lincoln and Lafarge LakeDouglas.

The ride began with a brief run above North Road before the train dipped underground for a two-kilometre trip through a tunnel.

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Since construction began in 2013 there has been cause for several delays, including four sinkholes that appeared while the tunnel was being bored between Coquitlam and Port Moody. Minister responsible for TransLink Peter Fassbender said constructing the tunnel was the project’s biggest challenge.

“I thought it was fabulous — amazing actually,” Fassbender said while standing on the platform at the final station, with Douglas College and Town Centre Park in the distance. “I thought it was fantastic to actually travel along something that we watched come out of the ground, and to see the development. Politicians said the train will provide opportunities for growth in the region, promote healthier lifestyles by getting people out of their cars and make it easier for residents to get to

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Vancouver because they no longer have to rely on a bus. The trip from Lafarge Lake-Douglas to Lougheed Town Centre takes 15 minutes. Going to CommercialBroadway will take 30 minutes, and the ride to Waterfront will take 40 to 45 minutes. The line is expected to carry 70,000 passengers per day by 2021. “It’s thrilling to ride this brand-new system,” remarked Coquitlam-Port Coquitlam MP Ron McKinnon. “It’s fresh, it’s out of the box, it runs smoothy, it’s fast, it’s efficient. It’s going to make a great change for our community.” Construction is expected to be completed in the next couple of weeks, at which point TransLink will take control of the system for final operational testing. When that’s done, an opening date will be set. “We’re looking forward to it,” said Stewart. “It’s going to be a great Christmas present.”

Court considers admissibility of police opinion in high driver trials OTTAWA, ON. (NEWS 1130) – There’s an argument whether the opinion of a police officer should count as “expert evidence” if someone is on trial accused of driving while high. Beginning today, the Supreme Court of Canada will look into that in what will likely be a precedent setting case. If you end up defending yourself in court on drunk driving charges, an officer’s roadside assessment does qualify as expert evidence. However, the rules aren’t so clear when it comes to the issue of impaired driving involving marijuana, as we see in a case involving Ottawa man Carson Bingley. “The court will rule on whether or not this evidence is admissible and what the procedure will be for that evidence to be part of a criminal trial,” explains NEWS 1130 Legal Analyst Michael Shapray. While breathalyzers aid police in drunk driving cases, no such device is approved for determining whether a person is high. This comes ahead of federal plans to legalize recreational marijuana by the spring of 2017, as pledged during the last election.

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Vancouver home prices may have seen 'final hurrah,' Royal LePage says

-By Canadian Press House prices in Greater Vancouver grew 30.6 per cent year-over-year in the third quarter of the year, says Royal LePage, marking what may have been the real estate market's "final hurrah." The real estate agency says the average house price in the region soared to $1.19 million in the three-month period that ended Sept. 30, up from $914,705 during the same quarter last year. The average price of a home in Greater Toronto rose to $693,154 over the third quarter, up 13.6 per cent compared to last year, when the average home price was $610,308. Royal LePage says its national house price composite — a figure based on 53 of the country's largest real estate markets — showed that the average price of a home climbed 12 per cent from a year ago to $545,414 in the third quarter.CEO Phil Soper says he expects that price growth in Vancouver will slow or even reverse in the months ahead as the effects of recent federal and provincial government rule changes begin to be felt. In August, the B.C.

government introduced a 15-per-cent tax on foreigners purchasing homes in Vancouver.

Apna Roots, October 14th, 2016

Calgary man who played role in $23M Concrete Equities fraud won't see jail The Calgary man who played a part in a $23-million investment scheme won’t serve time behind bars for his role in the fraud. Provincial court Judge Joanne Durant on Wednesday agreed with a joint Crown and defence submission to hand Varun (Vinny) Aurora a conditional sentence for his participation in a fraud run by Concrete Equities Inc. (CEI). Durant said during the first six months of Aurora’s sentence of two years less a day, he will be under house arrest. He’ll have to abide by a nightly curfew for the following 14 months and must perform 240 hours of community service, the judge ruled. Aurora pleaded guilty last week to fraud over $5,000 in a scheme focused on Mexican real estate investments. One of those scammed was his own father, who lost the largest amount — $901,000 — in the fraud run by CEI that roped in 1,200 investors. Durant said there were several mitigating factors which justified sparing Aurora jail time,

primarily the fact he pleaded guilty and his role in the fraud was limited. But she also noted his part in the scheme left many victims in its wake. She said statements provided by nearly 100 victims to the court spoke of “betrayal, anger, embarrassment, violation (and) shame. “And in one case suicidal thoughts,” Durant said. “Some have lost their homes.” Durant said that unlike so many other fraud cases, however, Aurora didn’t benefit financially for his part in the scam. The plot, which began in 2007, sold investor units in a Mexican development known as the El Golfo project, whose purchase price Concrete Equities greatly inflated for investors. nThe company, said Crown prosecutor Steven Johnston at last week’s sentencing hearing, “purchased it for less and just pocketed the

money.” “It was an advanced hucksters’ scheme that sold people real estate that absolutely didn’t exist.” Some of the investors’ cash was also moved into other investments not known to them, while the supposed ringleader, David Nelson Humeniuk, allegedly pocketed $1 million. While Aurora‘s role was more supportive than leading, he signed off on offering memos and was “willfully blind” to the scam, said an agreed statement of facts. It also stated “to the extent that money which was raised for the El Golfo project was being transferred or lent to other CEI businesses, Mr. Aurora was an officer and should have known about those transactions.” Durant noted that since the losses exceeded $1-million, Aurora would be looking at an automatic penitentiary term today because of changes in the legislation made after the crime was committed. -Calgary Herald

U.S. lumber trade faces uncertain future By Tom Fletcher - BC Local News Negotiations for a new deal to regulate Canadian lumber exports to the U.S. are continuing as the protection of the latest softwood lumber agreement expires this week. As of Thursday, the U.S. industry is free to launch new unfair trade actions against Canada, although new tariffs can't be imposed until six months after a formal complaint is filed. With most U.S. lumber exports coming from B.C., the temporary period of free trade may be the calm before the storm for the B.C. industry.

The Canadian and U.S. governments issued a joint statement Wednesday promising to continue talks towards a "durable and equitable solution for North American softwood lumber producers, downstream industries and consumers." That solution may have to wait until after the U.S. election in November, with a campaign marked by anti-trade rhetoric from Republican presidential candidate Donald Trump and Democrat Hillary Clinton. Whatever the solution, it will not be free trade in lumber. Prime Minister Justin

Trudeau and U.S. President Barack Obama agreed in June that a new agreement would be "designed to maintain Canadian exports at or below an agreed-upon U.S. market share to be negotiated." The U.S. industry has long maintained that B.C. lumber is subsidized by an artificially low price paid for Crown land timber.

Editorial

Apna Roots, October 14th, 2016

Guest Editorial

Competitive aviation policy made in B.C. Air travel inspires endless opportunities for businesses to connect with new prospects and seek out untapped markets. Air travel is essential to the growth of the tourism industry and bolsters our ability to trade Canadian products. Canada has the resources and talent to be a powerhouse in the global economy, and aviation competitiveness is the key to ensuring our future success in the international arena. At the recent Canadian Chamber of Commerce annual general meeting, chambers across the country unanimously supported a made-in-B. C. policy calling on Ottawa to lower taxes and fees and improve air access in order to make the aviation industry more competitive. We tapped into the powerful network behind the B.C. chamber, partnering with the Greater Vancouver Board of Trade, the Richmond Chamber of Commerce, Prince George Chamber of Commerce and Whistler Chamber of Commerce, and asked the question: how do we achieve a stronger, more robust air travel network that can support the growth of our trade, tourism and transportation sectors? After conducting intensive on-the-ground research we narrowed our focus to three primary targets: greater international competition, an increased capacity for the free movement of labour and goods, and mutually beneficial liberalized air access achieved through reciprocal agreements with other jurisdictions. Our goal is to solidify Canadaâ&#x20AC;&#x2122;s position as a global hub for aviation traffic, a prospect that is hindered by high taxes and fees that continue to drive away business and leisure travellers. To put things into perspective, a $600-round trip flight within Canada is subject to a nearly 30 per cent premium in taxes and fees,

within the United States. With sky-high taxes and fees, our airlines simply canâ&#x20AC;&#x2122;t compete with cheaper deals south of the border, and thatâ&#x20AC;&#x2122;s hitting our airlines and airports, our tourism providers and our economy. The high cost of travel and the lack of aviation competitiveness is stunting Canadaâ&#x20AC;&#x2122;s ability to attract not only tourists, but also international companies wanting to do business within our borders. Trends are showing that companies are choosing to establish offices in the U.S. to avoid the high-cost of travelling within Canada, specifically the booming technology industry. Without access to affordable and reliable air travel, relationships are not made, business is not done, and ultimately the economy suffers. Liberalizing Canadaâ&#x20AC;&#x2122;s air policy through bilateral agreements would promote increased competition by opening Canada to new international markets. Foreign carriers would have greater access to our skies and Canadian airlines would be able to explore more opportunities in foreign markets. The benefits would be numerous, including more competitive pricing to match international carriers. Canadaâ&#x20AC;&#x2122;s economy is very dependent on trade, and as a country that spans across three oceans, itâ&#x20AC;&#x2122;s necessary that our air travel network is as vast as our landscape. As we continue to become bigger players in the global market, specifically with potential deals like the Trans-Pacific Partnership, itâ&#x20AC;&#x2122;s more important than ever for Canada to strengthen the competitiveness of its air industry. Chambers representing small business to big enterprise from every nook and cranny across the country are counting on our federal government to hear their voices by implementing our recommendations. Air travel serves as a vital link between Canada and our rapidly globalizing economy, and we must act now if we want a shot at keeping up. Val Litwin is President and CEO at B.C. Chamber of Commerce.

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Three Toronto police officers face assault charges Ontario’s police watchdog has charged three Toronto police officers with assault following an incident during a 2013 arrest — and two of the officers have been in trouble before. A 46-year-old man was arrested at his home on Feb. 13, 2013, and was taken to a police station in the back of a police cruiser, the Special Investigations Unit said in a media release Tuesday morning. There was “an interaction” between the man and three officers during transportation, the SIU says, and the man was taken to Humber River Regional Hospital to examine what was determined to be a serious injury. The SIU was informed of the incident in August 2015. Const. John Darnell, Const. Piara Dhaliwal, and Const. Adam Morris are facing assault charges. They will appear in court on Nov. 3; all three officers have been suspended with pay, said Const. Meaghan Gray. Dhaliwal was subject to a Professional Standards investigation after an Ontario Court judge found that his testimony and that of his partner to be “deliberately misleading” and added that Dhaliwal’s actions “amounted to an assault.” Dhaliwal and Const. Akin Gul alleged they were assaulted by Abdi Sheik-Qasim while investigating a noise complaint in January 2014.

Sheik-Qasim, then 32, had taken out a cellphone to record the encounter. Within seconds, Dhaliwal knocked the phone out of Sheik-Qasim’s hand; SheikQasim was then arrested and charged with assaulting a police officer and failing to comply with a court order. The phone was seized by the officers at the time, but not returned to him after he was released from detention. However, the phone automatically uploaded video files to the cloud, and the video evidence was used during his trial. “Officer Dhaliwal’s swing of his arm and hand was the very first physical force during the interaction. The accused didn’t grab a hold of the belt of Officer Gul in advance of this action by Officer Dhaliwal,” said Ontario Court Justice Edward Kelly, adding he had doubt it happened at all. “I believe that Officer Dhaliwal’s action amounted to an assault against the accused,” Kelly said in a decision issued Sept. 10, 2015. Sheik-Qasim was

acquitted of both charges. It is not known what result the Professional Standards investigation produced. Meanwhile, Gray confirmed one of the officers, Const. Adam Morris, was arrested back in 2013. Morris was pulled over on Hwy. 400 when he was approached by a York Region police officer, after having several drinks in an industrial parking lot after reporting off duty. York police officers performed a breathalyzer test, which Morris failed. He was taken back to a station, where his gun was seized by police. Morris took two more breath tests, one showing he was exactly at the legal limit and the second showing he was over it. He was released with no criminal charges, and instead received a three-day driving suspension. “The decisions of certain members of the York Regional Police Service not to proceed with criminal charges against Const. Morris should in no way detract from the seriousness of this misconduct,” the prosecutor told the disciplinary hearing in 2013. Morris apologized for his actions and told the hearing it would never happen again. He was docked 18 days pay. The SIU investigates allegations of police involvement in any interactions resulting in sexual assault, injury, or death. (TORONTO STAR)

Coquitlam minor hockey, baseball coach faces child porn, voyeurism charges -By The Canadian Press A man who has spent three decades coaching youth baseball and hockey across the Lower Mainland is facing multiple child pornography charges. Randy Downes, 59, was arrested and charged with possessing child pornography, and four counts each of voyeurism and making child pornography, police said Wednesday. There is no evidence to suggest Downes had sexual contact with children or that the photos were distributed, said Const. Jamie

Phillipson. Police say the photographs seized from the man's home in April were taken in a public place, but the children pictured did not know the photos were being taken. Phillipson declined to say how many photos were found, where they were taken or whether they featured boys, girls or both. In addition to coaching, Downes worked as a professional photographer, taking pictures of youth sporting events, he

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said. The detachment's sex crimes team began looking into the allegations in March after receiving information from the B.C. Integrated Child Exploitation Unit. Police monitored Downes while the investigation was underway. "The evidence that was collected by the police indicated that there was no threat to the public," Phillipson said. Police are now asking potential witnesses to come forward with any information that may be relevant.

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Sudoku Solutions for last Issue

The sudoku puzzle is mostly a 9-by9 grid made up of 3-by-3 subgrids. Some cells already contain numbers, known as givens. The goal is to fill in the empty cells, one number in each, so that each column, row, and region contains the numbers 1 through 9 exactly once. Each number in the solution therefore occurs only once. in each of three "directions". Or you can say there is only one rule. Every row, every column and every 3-by-3 subgrid should contain digits 1 to 9 only.

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New Delhi [India], Oct. 10 (ANI): On the occasion of World Mental Health day, here’s an insight into the symptoms, causes and treatment of depression in teenage children. Depression in childhood and adolescence is similar to adult major depressive disorder, though young sufferers may exhibit increased irritability or aggressive and selfdestructive behaviour, rather than the all-encompassing sadness associated with adult forms of depression. Speaking about the general causes of depression, Sreejita Ghosh, counseling psychologist at ePsyclinic.com explained that children and teens whose parents are suffering from depression are more likely to develop the same than the other kids. Experts believe that both inherited traits (genetics) as well as living with a parent, who is depressed can cause depression.

Depression in children and teens may be linked to stress, social problems and unresolved family conflict. It can also be linked to traumatic events, such as violence, abuse or neglect. Certain thinking patterns and

coping styles may make some children and teens more likely to develop depression. Also, the children or teens having long-term or serious medical conditions, learning problems or behaviour problems are more likely to develop depression.

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Parental expectations and pressures may also be a reason for adolescent depression. Ghosh further gives tips for parents to deal with their child’s depression. “Don’t freak out: this will surely not help your child. Depression can be successfully resolved with counselling and as long as he/she has supportive parents, the process becomes easier. Read up about depression, the symptoms cause and treatment,” she said. Adding, “The more you know, especially about the treatment options, the more effectively you can advocate for your child in healthcare system.” She emphasized that children tend to hide things from parents that they think will upset them. Make it clear to your child that nothing they could say is as upsetting to you as being unable to help them because they’re afraid to hurt you. “Going through an episode of depression if already occurred is an opportunity for your child to learn how to cope with problems. And the more we can teach them to solve problems as they grow, the better they’ll be able to function successfully and manage life’s twists and turns when they become adults,” she said. Citing an case study, Ghosh said, “Gina , a 13-year-old was brought to us at ePsyclinic with complaints of being sad and hopeless, crying spells and bouts of anger, school refusal, inattention in studies and lack of appetite.” “From her parents, we got to know that Gina would not go to school. Every morning, her mother would face a tough time getting her out of bed and ready for school. She would cry, plead to her parents not to send her to school, and sometimes got irritable when her pleas were not met with. At home, she would stare at the TV screen blankly, not really watching anything. She would sit with her books but not study. There had been complaints from her school as well regarding her mindfulness and inattention,” she added. During the sessions, initially Gina would not talk. As she gradually opened up, the experts got to know that they had relocated due to her father’s transfer. The relocation, new school and environment had taken a toll on her adolescent mind. Assessment showed that she had moderate depression. Her parents felt that she was taking her time to adjust to her new school. Gina, on the other hand felt that no one in new school liked her, and she refrained from opening up. Thus she felt alone, and a sense of inferiority grew inside her. Her parents asked her about her new friends every day and encouraged her to mix with other children, mostly she gave avoiding answers. (ANI)

Apna Roots, October 14th, 2016

‘Embarrassed’ Trump dismisses his comments about groping women as ‘locker room talk’ Washington D.C. [US], (ANI): US Republican presidential candidate Donald Trump on Monday said he was “embarrassed” by a video in which he made obscene comments about groping women without consent and dismissed it as “locker room talk.” A shocking previously unaired footage from 2005 had surfaced in which Trump can be seen unabashedly bragging about trying to sleep with a married woman and being able to grope women as well. “I am very embarrassed by it, hate it, it is locker room talk,” Trump replied during the second presidential debate at Washington University on Sunday. Trump, who is facing a party rebellion over the video, alleged that

former president Bill Clinton had done worse to women. “Mine were words, His (Bill Clinton) were action,” he said. Democratic presidential candidate Hillary Clinton, however, said Trump’s comments showed he was unfit for the White House. “He has said the video doesn’t

represent who he is but I think it is clear to anyone who heard it that it represents exactly who he is,” Clinton said. According to CNN, in the 2005 video, Trump is heard talking about women in vulgar terms during an offcamera banter during the taping of a segment for “Access Hollywood,” footage which was obtained by The Washington Post. During the vulgar conversation captured by a microphone which Trump was wearing on his lapel, Trump can be heard talking about how he tried to “f***” an unidentified married woman before bragging that he is “automatically attracted to beautiful (women)” and just starts “kissing them.”

The conversation came just months after Trump married his third and current wife, Melania. He also said: “When you’re a star, they let you do it. You can do anything ... Grab them by the p****. You can do anything.” It is reported that on Sunday, the Republican presidential candidate met just hours before the debate with three women, who had accused Bill Clinton of sexual misconduct and a fourth woman who was a victim in a rape case that Hillary Clinton participated in as a defense attorney. (ANI)

Kim K consoles Blac Chyna for the baby after Rob K disappears

Washington D.C [USA], (ANI): Kim Kardashian and Blac Chyna had a heart-to-heart about Rob Kardashian, who disappeared as she told the mother to be to hold on till he “gets it together” for their baby on the way. The couple reportedly had an explosive argument on a ‘Rob and Chyna’ episode, which leads to him blocking her number and going radio silent, reports E! Online. After their fight, the pregnant girlfriend decided to attend his grandmother’s birthday in San Diego without Rob and there she learned that the youngest son had also blocked Kris Jenner, Kim Kardashian, Khloe Kardashian and Kourtney Kardashian’s numbers. During the party, Kim and Chyna sat down to talk about Rob. Chyna explained that she wants to be with Rob but it was “frustrating” because he “really thinks sometimes that I don’t love him.” Then 35-yearold Kardashian told Chyna she hoped Rob “gets it together” for their baby that’s on the way. Earlier last month, Chyna had reportedly kicked Rob out of the house after the two decided it would be better for their relationship to live separately. . “I know that me and Rob has been going through a lot of things but I’m actually happy that we’re talking about moving back in together,” the 28-year-old said then. “Rob has been working on himself, the baby is on its way and it’s exciting to know that we’re getting everything together before this baby comes,” she delighted in the statement.Few days later, the couple was seen driving in the car when Rob’s french fries accidentally fell on the car floor and the couple got into an explosive argument.

Apna Roots, October 14th, 2016

This is the only change director Tate made in The Girl on the Train! Backed by Steven Spielberg's DreamWorks and Reliance Entertainment, Tate Taylor's The Girl on The Train is an adaptation of Paula Hawkin's best seller novel of the same name. The film, a psychological mystery thriller has majorly stuck to Paula Hawkin's writing, however there is a slight change that will be seen when the best seller comes to life on celluloid. Tate Taylor the director of 'The Girl on the Train' has made a minute change in the film adaptation of the novel, but yet that change is very significant and will give the movie a different feel from the novel, still keeping the story intact. The location of the film has been repositioned and changed to upstate New York instead of London where the novel was set.

The director took this call as creative liberty, in order to enhance the visual appeal of the film.

This change in the location of the mystery thriller has left many fans in anticipation for the film's release.

The Girl on the Train is one of the best novels pertaining to the genre of mystery, crime and thriller. The novel is ideal for a film adaptation however the story has to be kept same and cannot be changed, as the story is layered and connected through a chain of mysterious incidents relating to each other.The Girl on the Train is a psychological mystery thriller about a woman whose curiosity about a house she can see from her train carriage leads her into a missing person's inquiry. The film has Emily Blunt, Rebecca Ferguson, Haley Bennett, Justin Theroux in the lead roles. 'The Girl on the Train' is helmed by Tate Taylor and is produced by DreamWorks Pictures and Reliance Entertainment. -By Santa Banta News Network

'The Devil Wears Prada' actress Emily Blunt to play an Alcoholic in her next,' The Girl on the Train' Emily Blunt's role in 'The Devil wears Prada' is remembered till today as she drew rave reviews for the same. After delivering memorable performances, the actress is now set to play an Alcoholic on celluloid. The Golden Globe nominee, is to be seen playing a divorcee who is grappling with the condition of being a Alcoholic in The Girl on the Train. In order to get into the skin of the

character, Emily observed the mannerisms and the nuances of many a Alcoholics. The actress invested into weeks of in depth research in order to play the role with conviction. Emily Blunt is known to give terrific performances in all her movies and the actress always brings life to her onscreen characters, by portraying them with utmost conviction. 'The Girl on the Train' is a

psychological mystery thriller film based on the bestselling novel of the same name by British author Paula Hawkins. The film, an adaptation to 2015's best selling novel 'The Girl on the Train' is known for its intriguing storyline. 'The Girl on the Train' is helmed by Tate Taylor and is produced by DreamWorks Pictures and Reliance Entertainment. -By Santa Banta News Network

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News

Apna Roots, October 14th, 2016

Why Irrfan is mum on Pakistani artistes' issue Bollywood actor Irrfan Khan on Tuesday refused to comment on the ongoing debate on whether Pakistani artistes should be banned from working in the Mumbai film industry. Irrfan will soon be seen sharing screen space with Hollywood actor Tom Hanks in Sony Pictures Entertainment's film 'Inferno'. The film, helmed by Ron Howard, is releasing in India on October 14 - two weeks before it opens in the US. The actor, who was in the national capital for the trailer launch of the film, refrained from wading into the debate by saying that he has come for film promotion only and will address the issue separately. "This is not the platform to discuss the issue. I will give another interview to express my views on the matter but not here," Irrfan said. Asked about the ongoing controversy over exchange of talent

between the two countries, Vivek Krishnani, Managing Director, Sony Pictures Entertainment, India, jumped to the actor's defence. He interrupted a reporter to say:

"This press meet has been called for 'Inferno'. It is an important question, but this is not the right time or platform to address the issue."

Did You Know? Who inspires Honey Singh Honey Singh presently has been writing poems and penning down thoughts. Honey Singh has been low key for a while, the star who was recently in news for suffering with Bipolar is still recovering fully. In fact what very few know is that Honey Singh's music is inspired from the daily routine of an ordinary man, in today's life. Honey closely observes the ongoing of a common man and takes out anecdotes that he then uses in creating his music. During traveling, Honey observes several people and the happenings around him, he pens all this down in an

entertaining way. This is one of his unique ways of creating new music and lyrics. Packaging this particular process in the most entertaining way is an interesting thing. This must be good news to all his fans who are waiting to know on what the singer is up to these days. Honey has one of the biggest fan followings across social media and his popularity has gone far and wide! Honey has a record of only delivering chart busters, the star has a massive fan following and they are keen to know as to what would Honey offer them next. -By Santa Banta News Network

When Ajay left Shilpa freaked out

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Amidst the ongoing clamour over the cross-border tension between India and Pakistan spilling into the entertainment world, some Indian outfits have imposed a ban on Pakistanis from India's showbiz world and a few Pakistani theatres have pulled down Indian movies from their screens. Celebrities across the board and borders have commented on the spillover, with some talking in support of the steps, some opposing it and some just keeping mum. The calls for ban on Pakistani talent in India created quite a stir after Maharashtra Navnirman Sena (MNS) issued an "ultimatum" to all Pakistani artistes to quit India within 48 hours or face trouble. Superstar Salman Khan and veteran actor Om Puri came forward to support Pakistani talent, but faced a backlash for their opinions. Earlier this year, Irrfan courted controversy with his comments on Ramzan and Muharram, and had even addressed the issue on his Twitter page. He had posted: "Clerics don't scare me. Thank God, I don't live in a country governed by religious contractors."

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Actor-filmmaker Ajay Devgn left actress Shilpa Shetty freaked out on the set of popular children dance reality show "Super Dancer" when he gifted her a box containing cockroaches -- albeit fake ones. Ajay, who appeared in the show to promote his forthcoming directorial venture "Shivaay", got gifts for the choreographer Geeta Kapur and Shilpa, who are seen as judges on the show alongside filmmaker Anurag Basu. However, Shilpa didn't know that Ajay was playing a prank on her. When she opened the box and saw cockroaches in it, she freaked out. "Shilpa's expression was priceless. The actress was so shocked that she couldn't contain her fear and took a while to settle in and resume shoot," said a source from the set of the Sony Entertainment Television show. "Shivaay" is directed and produced by Ajay, who also stars in it. The film, which also features Vir Das, Sayyeshaa Saigal and Erika Kaar, will hit the screens on October 28. -By Santa Banta News Network

Horoscope

Apna Roots, October 14th, 2016

The first week may be packed with details and fine points you've been avoiding. The October 15 New Moon (and Solar Eclipse) shows you how easy (Mar. (Mar.2121- April April 19) they all are. A loved one will admire and desire you all the more. The Full Moon (and Lunar Eclipse) on October 16 turns up your instincts and intuition. See through someone's smoke screen and understand why it's there. Spot an opportunity to move ahead in life. Be patient, be ready, and let things develop. Love enters your world in a big way with the October 30 New Moon. Feel lucky, and be ready to act surprised. The October 15 New Moon (and Solar Eclipse) triggers a burst of fun and playfulness. Fun can have a serious side, so don't shun this chance to enjoy life. You'll be attractive and beguiling no matter your mood. The Full Moon (and Lunar Eclipse) on October 16 lights up your social life and (Apr. 20- may 20) whatever clubs or organizations you enjoy and serve. People may be a bit touchy-feely, but that won't chase you away. Tidy up for the October 30 New Moon and give your pets, houseplants, and books some extra TLC. Early October is for family and forming stronger bonds. Treasure every kind word, because there could be a lot of feeling behind it. The October 1 New Moon (and Solar Eclipse) also highlights fun and (May 21-June 21) games. Let your inner child romp. The October 16 Full Moon (and Lunar Eclipse) shines into your work world and career. Be sensitive to coworkers' requests, and be emotionally available and responsive. They will be eager to side with you. Dress up and feel frisky as the month ends with the New Moon on October 30. Don't get too wild, OK? Friends and neighbors are there to share the many good times in the first week. The October 15 New Moon (and Solar Eclipse) warms hearts. This includes family members who may have been keeping their distance or keeping their opinions to themselves. Explore your ( June 22-July 22) world on the October 16 Full Moon (and Lunar Eclipse). Grab some friends and try a new restaurant or go on a field trip to a new place. Family affairs warm up with the October 30 New Moon. Harmony and cultured pleasures may be on the agenda.

Dear SOS Dear SOS: Last month, I

Tandoor

Look for invitations, gifts, and other tokens of friendship early this month. The October 15 New Moon (and Solar Eclipse) can bring money and favors your way. Most (July 23-Aug 22) of this is in return for favors you've done (July 23-Aug 22) recently. Say thank you and keep paying it forward. Life could get confusing around the Full Moon (and Lunar Eclipse) of October 16. Take your time and take a good, practical look at things. Embrace your sibs and neighbors at the end of the month with the October 30 New Moon. Get together and support one another.

Career concerns and public image are highlighted in all the best ways the first week. The New Moon (and Solar Eclipse) on October 15 can provide you the big opportunity you've been wanting. Midmonth, be realistic about family concerns. Value what is working for everyone and don't expect perfection from anyone. The October (Nov 22Dec 21) (Nov. 22 -Dec. 21 16 Full Moon (and Lunar Eclipse) suggests that a relative may be concealing worries. Give people space, as well as love, and receive the same tender consideration. Gracious high times abound with the October 30 New Moon.

The New Moon and Solar Eclipse on October 15 are all yours. Exert your personal power in a gentle way. People will bend over backward to please you. Be reasonable. Any conflict will go your way, but it won't be forgotten. The delicate tendrils of love reach into your world during the October 16 Full (Aug. 23 - Sept. 22) Moon (and Lunar Eclipse). You may be in the mood to be charmed and tempte. The October 30 New Moon could bring a money matter into better balance. You'll have a clearer, more complete view of a financial situation. The New Moon and Solar Eclipse on October 15 give you the secret superpowers of charm and persuasion. Tactfully straighten out a financial matter or some other material tug of war. Look great no matter what you do. Midmonth, pay more attention to your health. If not (Sept. 23 (Sept. 23 -Oct. -Oct.23) 23) feeling right, check it out. Eat well and rest. Refrain from heroic efforts 24/7, especially socially. The New Moon on October 30 is lucky in a zillion unexpected ways. Keep expectations low and be pleasantly surprised. Practice the fine art of graciously receiving The October 15 New Moon and Solar Eclipse zing your social life and bring in a lot of partying people. If you're not up for all the merriment, be friendly but firm. A few words will do more than causing a scene would. The Full Moon (and Lunar Eclipse) on October (Oct. 24 Nov. 21) 16 wants you to go out and have a (Oct. 24 - Nov. 21) good time. If you don't get too wild or let too many crazy fantasies dominate, you'll have a blast and maybe pick up some great new friends. The October 30 New Moon could bring a flurry of psychic dreams and reveal sharp insights into a stressful relationship.

Step back from an issue and get a bigger and better perspective during the first week. The New Moon (and Solar Eclipse) on October 15 wants your world to grow. Be ambitious. Old friends and good times near home will (Dec 22.22.- Jan. Jan. 19) 19) warm the heart midmonth. The October 16 (Dec Full Moon (and Lunar Eclipse) may bring a growing desire to explore new places and activities, but bask in the warmth and nearness for now. Watch for a sharp insight and then a lucky break on your career path as the month ends with the October 30 New Moon

Face a longstanding problem and easily solve it in the first week. You have plenty of resources, clever ideas, and some extra luck. The October 15 New Moon (and Solar Eclipse) gets you off to a good start. You're under no delusions during the (Jan. 20 -Feb. 19) October 16 Full Moon (and Lunar Eclipse). (Jan 20 Feb Take your time making any money decisions and avoid repeating a mistake based on wishful thinking. Ask for and get good advice. The month ends on a high, friendly note with the October 30 New Moon. ______________ Romance lights up the first week. You may be dwelling in sweet but stale memories when a bright new love appears. The October 15 New Moon (and Solar Eclipse) suggests that (Feb. 20 -Mar. 20) karmic connections can be made. The October 16 Full Moon (and Lunar Eclipse) may make you jittery. Calm down and rely on your good instincts as much as your reason. The right decisions may not be instantly obvious. Feel things out and be confident. The October 30 New Moon positions you to be the one with all the answers. Take care of your own needs first and then be helpful if asked. having so many people present wedding celebration . The Indian

(Sabrina Offers Support) had been set up and

attended a wedding and was

the second bar was also moved

surprised

to outside.

the

people present.

number

Food was plentiful

The Gurdwara

but the service was lousy, as

was full. As I had been invited

the waiters could only handle

from the boy’s side, I also had

so many people.

the

matters worst,

The

groom

invitation

wedding

attend

reception .

did

To make the the bride and

not

arrive

until

reception was to be held the

after 9:30pm.

next day, it being Sunday, I

there

thought the event would start

introductions from both sides,

on time.

the

The time on the card

was

Of course then

video

long clip

list

and

of few

was 6pm and thinking about

entertainment

how full the Gurdwara was for

cutting ceremony, and the first

the wedding, we arrived at the

and second dance.

hall at about 6:30 but to our

was not served until well past

surprise, the hall was totally

11:30pm.

full.

dinner had been placed, people

We were just thinking of

items,

cake

The dinner

soon

the

leaving but met some friends

rushed to line up for food.

who asked us to join them at

was push and shove. A number

their table.

of people actually had to stand

arriving

People were still Even

and eat their dinner and there

though, the host family ended

were some who left without

up adding more table in the

eating dinner.

walkway.

kept

families, no one really paid any

announcing for men to stand

attention to what was being

and

said from

give

8:30pm.

Still the

they

chairs

the

ladies who were standing. The directed

overflow to

the

was

patio

Other than few

the stage.

Everyone

was too busy talking among then

where

each other. We sat at our table questioning

the

purpose

who didn’t give a hoot as to

community needs to start thinking of

why they were there; “to share

the true meaning of sacred events

the special moments in the lives

such as marriage and how important

of the bride and groom and

it is to be surrounded by those who

their families”.

It probably

really care for you and want to share

cost

these special moments with the bride

them

dollars

when

you

100,000 into

and groom and their families. I too

account the hall rent, food,

take

think it’s also time to cut down on all

liquor,

the expenses. But I think people are

decorations,

movie,

photographer,

limo,

entertainment and so on. keep

wondering

why

slowly turning around.

There have

been so many marriages which have

people

not lasted past the honeymoon stage.

invite every Dick and Harry

they happen to know.

questioning themselves if they really

has

started

some

parents

How much better it would

want to fork out so much money for

have been if they had invited

the wedding celebration when they

less people who really cared

hear of so many couples divorcing

and listened to what was being

before the wedding bills have even

said on the stage.

been paid.

The money

they would have saved could have give to help the bride and

Advertise in

groom to start their new lives together. How long would it be before

Indians

about

such

smarten

things

extravagant of the money spent on weddings and start thinking

Apna Roots Call 604-599-5021 Email to

of things that really matter. Outraged at the Indian weddings Dear

Outraged

the

Indian weddings: You are right. People

have

forgotten

the

real

meaning of the wedding and the

staff@apnaroots.com visit us @

www.apnaroots.com

Apna Roots, October 14th, 2016

Will '31st October' get out of legal soup A day ago, it had been reported that a PIL (Public Interest Litigation) has been filed against upcoming dramatic thriller '31st October' starring Vir Das and Soha Ali Khan on the grounds that the film will defame certain political figures. Now, it has been learned that when the matter was heard before the Delhi HC, the court directed petitioner Ajay Katara to make the affected people as a party and resubmit the PIL tomorrow. 31st October is based on true events, which took place after Indira Gandhi's assassination in 1984 and the anti-Sikh riots that sparked off in the aftermath of the assassination. Writer and producer of the film Harry Sachdeva said, "My film is based on a true story and the film is a real glimpse of what happened in 1984. We want the subject to come on the big screen, as cinema is one of the most effective platforms. I was somewhere prepared for such issues to come up, our sets were damaged, we faced Censor issues and now this. This subject was never attempted before and there are clear reasons behind it. I am confident that since I have brought the film till here, I am sure I will bring it to the screens on 21st October worldwide.` On his part, Saurabh Nangia, Ajay Katara's counsel said, "The scenes in the film are inciting hatred and defaming an individual's reputation which might lead

October', which is slated to release on October 21, is a glimpse into the controversial dark chapter of India's History. -By Santa Banta News Network

Star Spotted: Jacqueline spotted at KOKO

to unnecessary unrest. The 1984 antiSikh riots have been called a pogrom by the filmmakers, which is an interminable debate. We are not in favor of this film to release as it leads to nothing but division.` The petitioner has been allowed by the court to withdraw the petition with the liberty to

re-file it after removing technical defects. Produced by writer-producer Harry Sachdeva and Magical Dreams Productions Pvt Ltd, co-produced by Anand Prakash, directed by National award winner Shivaji Lotan Patil, and released by Panorama Studios, '31st

The weekend started early for the Sri Lankan Beauty with a visit to the latest hot spot in Kamala Mills - KOKO by Ryan and Keenan Tham. Jacqueline Fernandez decided to join her friends at KOKO - the newest place the city dines and parties at in Mumbai. The Head Chef of KOKO hails from Malaysia where he has mastered the art of making & plating recommended dishes off the menu to Jacqueline Fernandez who was there with common friends. Jacqueline looked ravishing in a simple black dress and her beautiful smile. -By Santa Banta News Network

Apna Roots, October 14th, 2016

To create a true, full-blooded biopic, filmmakers need a free-hand: MS Dhoni The Untold Story, which claims to give us Mahendra Singh Dhoni Uncut, is much more generous with details from his childhood and his days of struggle than from his blazing tenure as star wicketkeeper-batsman-captain of the Indian cricket team. The result, with the exception of a few interesting bits and pieces, is bland and predictable. The over-long film cherry-picks the details it wants to serve us, skirting all grey areas and controversies: there are no smart nosedigs, only ingratiating bouquets; only hurrahs (the critique is so muted that we can barely hear it), and loud background music which is used to drum up emotion and drama. It begins with promise. Young Mahi is more interested in football, badminton and tennis, and tries to blow off his first coach (Rajesh Sharma) who spots his potential. The entire ‘bachpan’adolescence section, featuring the father (Anupam Kher) who thinks a job will take his son much further than sports, the mother who believes in her son, the sister (Bhumika Chawla) who is a solid support to him, his bunch of loyal friends who just know he can do it, has been crafted with heart and feels authentic. We see Mahi (Sushant Singh Rajput) trying and failing and trying again,

MS Dhoni The Untold Story Movie Review:

despite all the roadblocks, to keep his eye on his goal: to be part of the Indian team and play for his country, and we root for him. Till then, bully for Neeraj Pandey and the film, even if it is already feeling stretched and repetitive. What works for the film in the first half is the lifelike recreation of life in a small town (Ranchi), a family getting by on slender means and yet being able to find it in themselves to

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get behind a bright-eyed lad who dreams big, and is willing to work for it. In the way it shows Mahi’s often herculean attempts to become visible to the powers that be (he can smash the ball all across the ground effortlessly, and wicket-keep beautifully too), the film becomes almost copybook in telling us that strokes may come easy but getting invited into privileged sporting enclaves is exceedingly tough. But, and this is the message that comes through loud and clear, that it can be done. You can be a small town boy, and if you have talent and a little bit of luck, you can be unstoppable. Up till here, Mahendra Singh Dhoni’s story, the mostly untold part for most of us, holds us. It tells us that it is right for us to aspire, and that anyone can do it. Then the curse of the second half

strikes, and it goes into an irreversible slide. Two romances arrive in swift succession (Disha Patani, Kiara Advani, both sparkly, both reduced to sidebars). There are songs. There is a stab at the intrigue that governs selection processes at various cricketing bodies, including the mighty BCCI, but it is laughably feeble. The entire focus is on Dhoni who is shown as the sole match-winner from the Indian side. His teammates, which include Indian cricketing greats (Saurav Ganguly, Sachin Tendulkar and others), are seen in flashes, either from the back or in profile. There is no dressing room banter with his team-mates. No scenes, in fact, with other players, except for a couple of stray ones with Yuvraj Singh (Harry Tangri). The quality of cricketing on screen is excellent. Rajput looks right at home with the bat and gloves, as do the other actors on the pitch. You wish there were some more cricketers — all significant contributors to Indian tests and one-day cricket and the glitzy T20 tournaments, during the years Dhoni entered and captained them — in this tale. For cricket is a team sport, right? MS Dhoni makes it seem like a one-man army. This film had potential to present us with the recent Indian cricketing story, warts and all. Sadly it’s more hagiography than biography: the cricketer is reduced to a being singingromancing Bollywood hero rather than a top-flight cricketer, a master strategist, and a captain who led from the front. True champions have that edge that no one else does: on that score, the real-life Dhoni hits it out of the park, every single time. Too bad the reel Dhoni gets stumped just when he is getting started. -The Indian Express

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How to get free money for your child's education (NC) Every child deserves an education. Not only is it a basic right, but these days a good education is necessary in order to earn a living and maintain a suitable lifestyle. In fact, according to Human Resources and Skills Development Canada, 70 per cent of new jobs in the coming decade will require a post-secondary education. But affording this schooling isn't always easy. Fortunately, the federal government has developed new funding for post-secondary schooling. Qualifying families are even eligible to receive free money with no contribution. All you need to do to access this for your child is open a Registered Education Savings Plan. â&#x20AC;&#x153;The truth is, a college or university education is closer than many Canadians realize, but ironically not many people know about it,â&#x20AC;? says Sarah Rea, senior manager of corporate social responsibility at Merdian, Ontario's largest credit union. â&#x20AC;&#x153;An estimated 520,000 Ontario children qualify for the Canada Learning Bond, but many have not yet opened an RESP to access it.â&#x20AC;? Here's how you can take advantage of this government funding for your child's education: 1. Find out if you qualify. All Canadian families are eligible for Canada Education Savings Grant (CESG) regardless of income. Families who qualify for the Canada Learning Bond (CLB) have a child or children who were born January 1, 2004 or later, and qualify for the National Child Benefit Supplement with an income less than $44,701. 2. Start saving the right way. If you don't qualify for the CLB, open an RESP with the CESG. For every dollar you

contribute, the government will add 20 cents and your child can receive up to $500 per year to a lifetime maximum of $7,200.

If you qualify for the CLB, open an RESP with the CLB. Get up to $2,000 from the government with $0 of your own money. This includes a $500

contribution today and $100 every year until your child turns 15. 3. Seek help if you need it. Look for a financial organization dedicated to assist with your educational savings goals. Smartsaver.org, a non-profit community website has been established to help families understand and access government money by opening RESP accounts. Earning a diploma or degree can be very empowering for your child because it helps them acquire the skills they need to become contributing citizens in an evolving world. So it makes sense to take advantage of the government programs that can support their education. Start your investment today by learning more about opening an RESP.

5 essential fall gardening tips (NC) Autumn is the perfect time to lay the groundwork for a gorgeous spring garden. Experts say this time of year is critical for how your yard will look year round. â&#x20AC;&#x153;Fall is arguably the most important of all seasons for the garden,â&#x20AC;? affirms Mark Wolle, broker-owner at Royal LePage Wolle Realty in Kitchener, Ontario. â&#x20AC;&#x153;Work in the garden now will produce impressive results come spring.â&#x20AC;? A lush and well-maintained garden also adds enjoyment and selling features to your home.nWolle offers these five tips for your garden this season: 1. Early in the fall, repair dead spots in the lawn by digging straight down and as deep as necessary to remove all soil containing the roots. Fill the hole with a loamy topsoil and tamp down to level with the turf. Seed the area with a mix that matches your existing turf grass.

Cover it with hay or newspaper shavings to protect against birds. Water regularly while the seeds germinate and sprout. 2. Leaves are your biggest assets. After they fall off trees, they break down to create essential nutrients that feed your plants. Dig a big hole and pile them in. They'll break down eventually and give you wonderful leaf mould for mulching in the spring. 3. Combine one part blood meal, one part bone meal, and one part wood ash to scatter over bulb beds for beautiful blooms come spring. 4. Fall is the ideal time to plant a deciduous tree â&#x20AC;&#x201D; the soil is still warm and holds oxygen that will encourage root growth. Plant your new addition about six weeks before the deep frost. Be sure to prepare a hole large enough, about five times the width of the root

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3 ways to protect your retirement nest egg The top home safety tip you probably don't know (NC) Can you think of any device in your home that works 24/7 for 365 days a year that doesn't eventually need to be replaced? What makes your smoke and carbon monoxide alarms any different? Fire safey officials point out that the sole function of alarms is to provide early warning so your family can safely escape a fire or carbon monoxide emergency. While old alarms might still sound when you push the â&#x20AC;&#x153;testâ&#x20AC;? button, sensitivity may be reduced after years of exposure to airborne contaminants such as dust, cooking grime, and pet fur. This exposure has the potential to slow down the alarm's reaction time and reduce your escape time. The National Fire Protection Association recommends that you check the age of your smoke alarms and replace any that are over 10 years old. For carbon monoxide alarms, replace any that were made prior to 2009. Remember that replacement requirements apply to all types of alarms, including battery powered, plug-in, and hardwired devices. Don't trust your family's safety to a device past its prime â&#x20AC;&#x201C; check the age of your home's alarms today.

(NC) You've planned well for your retirement, saving your money and investing it wisely. Now, your next challenge is to protect your savings by making sure your finances are handled wisely as you grow older. Research tells us that financial decision-making can be one of the first activities that people may have trouble with as they age. It's also true that seniors are frequently targeted for financial scams, exploitation, and abuse, sometimes by strangers but too often by caregivers and family members. Protect your retirement nest egg with these expert tips. 1. While you're still fully able to handle your own affairs, assign a financial power of attorney to someone you trust so that there can be no question as to who you want making decisions for you in the event that your abilities start to falter; your lawyer can help with this. 2. Once you decide who you would trust with these decisions, talk to them about your wishes. Having frank and regular discussions about your finances will ensure you're on the same page. 3. Be aware that your financial advisors might raise these issues with you, so that they know how you would want them to proceed in the event that they notice changes in your abilities. Let your financial advisor know who your other professional advisors are, such as your lawyer or accountant. Introduce your financial advisor to

your power of attorney and any other trusted family members or friends so that they can connect if it becomes necessary to protect you. If you think your loved one might be losing their ability to make sound financial decisions, speak to them about involving their power of attorney or other trusted contact in their financial discussions. Watch for memory loss; changes in ability to do everyday math; confusion about time and place; missed

appointments; changes in personal appearance; mood or behavioural swings, such as increased passivity, anxiety, or aggression; and taking longer to complete financial tasks, like writing a cheque or handling online banking. Not everyone will experience these challenges, but they're common enough that we should take steps to protect ourselves and to do what we can to protect friends and family members.

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Apna Roots, October 14th, 2016

Grow your wealth using these 4 money facts (NC) Reach your financial goals about saving, investing, retirement planning, and more with these important personal finance facts you may not know about: 1. It's easier to find straight-forward information than you think. As of May 30, 2016, your dealer â&#x20AC;&#x201D; the firm you buy your investment products from â&#x20AC;&#x201D; is required to provide you with a document called Fund Facts before you purchase a mutual fund. Your mutual fund purchase cannot be completed until your dealer delivers this document to you. This ensures you can review important information about a mutual fund before you buy it, such as past performance, risks, and the costs of investing. Each Fund Facts document is written in plain language and is no more than two pages doublesided. 2. It is a good idea to meet with your financial advisor at least once a year. At least once a year, you should meet to review your investments. Make

sure all your personal information is upto-date, including your current income, savings, assets, and any debt you may have. Ensuring your information is always current will lead to better conversations with your advisor about

how you can achieve your financial goals. 3. Your financial advisor should ask you wide-ranging questions about your background and finances. Think of your advisor as your guide

or coach. Their role is to help you make wise decisions about your investments. The more information you provide about your financial circumstances, goals, and priorities, the better the advice they can provide. You can expect your advisor to ask your age, employment situation, whether you have children, how much you know about investing, your financial goals, whether you have debt, retirement plans, health-related expenses, and your ability to withstand any financial loss. 4. Working with a financial advisor increases your wealth. Research has shown that financial advisors help people increase their wealth and that the longer people have advice, the more their investments grow. For example, people who receive financial advice for 15 years or more enjoy more than 3.9 times the wealth than those who have not benefitted from advice. In a recent survey, 93 per cent of Canadian mutual fund investors said they are satisfied with their advisor, and 90 per cent said their advisor helped them make sound financial decisions.

Discover fun ways to keep your pet active this fall NC) Getting outside with your pet in the hot summer for lots of activity isn't always easy, but fall is the perfect time to enjoy the great outdoors together. Here are some great ideas for you and your furry friends to enjoy this colourful and crisp season: 1. Visit a pumpkin patch. Grab the leash and bring your pup to visit a pumpkin patch or apple orchard. Before you head out, make sure to check that the place is pet-friendly. Remember there are often other animals on site, so keep in mind the larger animals may make your pet nervous. 2. Multitask outside: Dogs spend lots of time outdoors,

but fall is a great time to bring your cat outside to enjoy the last days of warmer weather. While you're in the yard prepping the garden for frost, take your cat and their favourite toy outside with you to explore under your supervision. 3. Check out a fall parade. Parades are a great way to get your dog moving and meeting people and dogs in your community. However, keep in mind there will be large crowds and loud noises, so make sure to bring a blanket to mark your territory and ensure your dog has enough space. 4. Take a hike. There's no better way to enjoy the fall foliage than a walk or hike through a forest. Make sure to check local travel websites to find some great trails in your area that matches both your and your pet's ability levels. 5. Eat a meal out together. After all this activity, it's easy to forget to keep your pet hydrated. Enjoy a snack and some refreshments in your garden or balcony. Wet pet food is a tasty way to keep your little critter hydrated. Find more information on the benefits of feeding your pet a mixed diet online at petmixedfeeding.ca.

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Apna Roots, October 14th, 2016