FRIDAY OCT 21, 2016 VOL. 42, NO. 86
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Financial column
New mortgage rules and Bowen
Relationship column
10 minutes to a better relationship
The pros and cons of creating business licences on Bowen MERIBETH DEEN EDITOR
Elena Vilis and son Kaz, Pauline LeBel, Frazer Elliott and Mike VonZuben enjoyed watching Chum salmon swim up the causeway into the lagoon on Wednesday Meribeth Deen, photo
Strong return of Chum spawners to Bowen’s Lagoon
MERIBETH DEEN EDITOR
The call came in on Tuesday evening: adult chum were spotted swimming up the fish ladder and into Bowen’s fresh water lagoon. Tim Pardee sent out an email letting Fish & Wildlife Club Members and the Department of Fisheries and Ocean’s Community Advisor Rob Bell-Irving know. “Rob Bell-Irving told us, when we’re doing our estimates you don’t see them all, so he said you should multiply what
THECUP
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you see by up to five,” said Pardee on Wednesday morning. “So given we saw 20 to 30 yesterday and this morning we’ve seen ten, there could be as many as 200 Chum that have come back.” Pardee says these fish are known as the “2012 brood” and were released from the Bowen Hatchery in early 2013. This run may continue for another two weeks. After that, people should be keeping their eyes out for Coho. “They are smaller, but better swimmers,” says Pardee. “If they come back we’ll see them go right up the ladder to Terminal Creek.”
At a meeting hosted by the Economic Development Committee (EDC) on Tuesday evening, Edward Wachtman and Sheree Johnson told more than sixty owners of local businesses that they contribute to the very unique story of Bowen Island. Their conversation was followed up by one led by municipal councillor Maureen Nicholson, who told the group that Bowen is also unique in the fact that we are one of the few communities that does not have a system of business licensing. “According to the Ministry of Community, Sports and Cultural Development, there are 162 communities in British Columbia an essentially all of them require business licenses,” Nicholson told the audience. “So when our Chief Administrative Officer goes to a conference with all other chief administrative officer and they ask you do business licensing on Bowen, she says, we don’t. And they look at her and say what do you mean, you don’t?” She added that despite not having such a system, the Land Use Bylaw states all business and home occupations “shall have a valid business license prior to commencement.” One business owner asked Nicholson what the potential benefits of a business license might be, and she pointed to several: more quantative data is helpful in describing your business community, there are grants that you can not even apply for if you don’t have a business license-system and this kind of data, and a business licensing system could help to promote local businesses. Nicholson shifted the conversation back to the business owners asking what other potential advantages could come about through a business licensing system, and what makes them nervous about such a system. Carrie Llyod, owner of Copper Kettle Fine Foods, argued for such a system saying it lends legitimacy to local businesses and could provide a baseline for operating on Bowen. Jayeson Hendrysan, owner of Hempcrete Natural Building Ltd. expressed reservations about such a system. “We need to sort out what the advantages of a system like this would be, then figure out how to get them with Bowenintelligence,” he said. “I worry that once we start business licensing on Bowen there would be no going back.” Hendrysan went on to state concerns about bureaucracy, which were echoed by others in the room who opposed the idea. The Economic Development Committee will be gathering these and other comments on the creation of a business license system on Bowen, and draft a report to council on potential next steps in the spring of 2017.
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2 • FRIDAY OCTOBER 21 2016
Meeting Calendar October 24, 2016 9:30 AM Regular Council Meeting
October 24, 2016 2:30 PM Committee of the Whole
October 25, 2016 7:15 PM
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Request for ice patrol and snow removal services Bowen Island Municipality is requesting applications for interest in: Ice Patrol (temperature dependent) Snow removal (weather dependent) Those interested in either or both of these services are asked to provide a driver’s licence abstract directly from ICBC (1-800-663-3051) to BIM by fax at 604 947 0193 and to provide a written response by email, regular mail or in person before Friday, October 28, 2016 at 4:00PM to: Annette Frischmann, Public Works Clerk Bowen Island Municipality 981 Artisan Lane Bowen Island, BC V0N 1G2 EMAIL: afrischmann@bimbc.ca A one day paid training will be provided upon acceptance.
Transportation Advisory Committee
October 27, 2016
Fall clean up days are back Special Waste clean up days are back this fall! Dump Day
1:00 PM
Saturday, October 22, 2016 9:00 am - 5:00 pm @ Bowen Island Recycling Depot 1063 Mount Gardner Rd
Bowen Bay Water System Local Advisory Committee
October 27, 2016 7:00 PM Heritage Commission
Drop off excess household waste, appliances and mattresses for a small fee. You must purchase your ticket in advance at Municipal Hall payment will not be accepted on site. Hazardous Waste Drop Off Day
All meetings are held in Council
Water system flushing As part of its regular water system maintenance program, the Municipality will flush water mains in Bowen Bay, Blue Water Park, Cove Bay, Eagle Cliff, Hood Point, King Edward Bay and Tunstall Bay from October 22 to November 30, 2016. This procedure is necessary to remove sediment that gradually deposits in the pipes and will not pose a health hazard. During the flushing process, temporary water interruptions will occur and your water pressure could be low or turned off completely for periods of time. Municipal staff will try to minimize inconvenience where possible. Flushing will take place seven days a week from 8:30 am to 4:30 pm and will rotate through each neighbourhood. Every effort will be made to ensure that water quality is not affected, but some turbidity and higher than normal chlorine concentrations may be present for short periods of time. Running your tap briefly should clear this up. Reminder: it is recommended that water users with compromised immune systems ensure their drinking water is boiled, filtered or distilled.
Driveway runoff and culverts During fall and winter months there is an increased volume of rainfall. Property owners are responsible for keeping culvert openings clear at all times and ensuring water runoff from your property does not flow onto the roadway.
Community Events
Saturday, October 29, 2016 9:00 am - 3:00 pm @ Bowen Building Centre 1013 Grafton Rd
Chambers at Municipal Hall unless otherwise noted.
No fees to drop off hazardous waste such as paint and clearly marked hazardous waste containers. Need more information about fees, where to buy tickets, what is accepted and not accepted? Contact us at 604-947-4255 or go to:
www.bimbc.ca/clean-up-days
Keep all plastic out of your organics bin
General Enquiries
Contact Us
Phone: Fax: Email:
Bowen Island Municipal Hall 981 Artisan Lane Bowen Island, BC V0N 1G2
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Purchasers of the Soap Box keep the bulk-refill dream alive
From left: Sasha, Cassandra, Sarah Yu Rutherford and Michelle Mazzner. Meribeth Deen, photo
MERIBETH DEEN EDITOR
A newcomer to Bowen, Sarah Yu Rutherford had a hunch there would be enough environmentally conscious people on Bowen who would make the effort to re-fill their household soaps to make a go of a store offering the service. After less than a year, she found she did not have the resources or time to put into the Soap Box (at Artisan Square) to keep it running. Fortunately, two of her best customers loved the store enough to buy it off her and move the concept forward.
“We moved here and March, this place opened in February, but we were so happy to be moving somewhere that had this kind of store,” says Cassandra Mazzner, the new owner of the Soap Box alongside her partner Michelle. “We were disappointed to hear it would be closing, so talked to Sarah about the possibility of taking over.” Cassandra and Michelle say that they appreciate the concept, which allows them to reduce their footprint of plastic waste, as well as the sourcing - which aims to be as local as possible. “I’ve started researching
other products I would like to get on the shelves here, and it is a surprisingly huge undertaking requiring a lot of research,” says Michelle. “There are a lot of companies that say they are natural and good, but they just are not.” Michelle adds that her research has brought up some interesting statistics. For example, only 17% of plastic that goes into the recycling actually gets recycled. Cassandra, Michelle and Sarah have not yet sorted all the details of handing over the store, but say they will announce their new-opening date as soon as possible.
FRIDAY OCTOBER 21 2016 • 3
Bowen Wine Festival provides fun and fundraising
The Bowen Island International Wine Festival (BIIWF), one of the Island’s most anticipated annual events, returns for its third edition on Thursday, October 27 from 6:30 to 9:00pm. This time, the Festival will be held at a new location: Evergreen Hall at 464 Melmore Road. Tickets, while they last, are just $50.00 per person, available exclusively at the Bowen Beer & Wine Cellar or Phoenix On Bowen. Paul Rickett, manager of Bowen Beer & Wine Cellar, and one of the Festival organizers, has confirmed that 13 winery tables will be showcasing more than 65 delicious wines, a BIIWF record. Wines from France, Italy, Australia, New Zealand, Argentina, Chile, the USA, and British Columbia will be available for sampling. Since this year’s festival has been scheduled closer to the holidays, corks will be popped on a variety of delicious sparkling wines, perfect for seasonal entertaining. The Bowen Beer & Wine Cellar is offering a 10% discount on all wines poured at the Festival, the savings of which could cover the cost of the ticket. For the third year in a row, three of Bowen’s most talented foodies, led by Park Heffelfinger, will again collaborate to provide delicious culinary offerings that will pair perfectly with this international wine experience. Heffelfinger, co-owner of Memphis Blues BBQ House, along with Julie Cree and Christophe Langlois, owners of Artisan Eats Café & Bakery, are excited to showcase an array of nibbles that will suit everything from Chardonnays to Zinfandels. Previous food selections have included pulled pork sliders, classic French gougères (bite-sized cheesy puff pastries), triple-smoked sausages, hand-selected cheese boards, freshly-baked breads and more. Who knows what they’ll come up with this year? Since the Festival’s inception in 2014, 100% of proceeds have been donated to the Bowen Island Children’s Centre (BCC), an indispen-
sible part of the Island community since 1971. Programs at BCC include the Bowen Island Preschool, BCC Daycare, the After School Club, Family Place and an inspiring program of music classes. As a non-profit society, the BCC relies on community events such as this for support. This year, the Bowen Island Wine Festival will hit an important milestone: raising more than $10,000 for the BCC, something that the organizers are very proud of. “We’ve had this monetary goal of in mind for years,” says Festival co-organizer Sujinder Juneja. “Paul, Park and I are grateful for the combined efforts of the amazing volunteers at the Children’s Centre, and our other community sponsors over the past three years. It has taken some work, but we’ve been able to create an exciting evening that’s fun for the whole community. We can’t wait the 27th.” Key support for this year’s festival includes the hard work and talent of Lucia Arreaga, Jana Honing, and Dayna Kreutzer-Purdy from the Children’s Centre. Special thanks goes to Maureen Armstrong of Evergreen Hall for hosting this year’s event. A tip of the hat to Dan Parkin and Julia McLaughlin who donated space at The Lodge at the Old Dorm for the previous two years. Some very special memories were created there. Since there is no parking at Evergreen Hall itself, Peter King will generously be providing free bus transportation to and from the event, for the third year in a row. Shuttles will leave from the Bowen Island Community School to Evergreen Hall at 6:25pm and 6:45pm. To make sure wine lovers get a safe ride home, a return shuttle service is provided at 8:15pm and 9:15pm. Thank you to The Office @ Artisan Square for graciously sponsoring the printing of posters and tickets. Have you got your tickets yet? For the latest updates, and to share your photos and memories, check out Bowen Wine Festival (@BowenWineFest) on Facebook and Twitter.
Orthography for Aestheticism and Bibliophilism: Or spelling for Arts and the Library!
CAROL CRAM SUBMISSION
On October 22, nine teams of brave Bowen souls are spelling their hearts out in support of the Cove Commons Project (formerly Annex/Gallery)! All are welcome to Cates Hill Chapel at 7:30 pm to watch the fun which starts at 8:00 pm. Admission is just $10 with all proceeds going to support the Cove Commons Project in Snug Cove. Tickets are available at the Library and at the door. The Bowen Island Public Library (BIPL) and the Bowen Island Arts Council (BIAC) are collaborating to construct a shared building in Snug Cove. This new building contain-
ing the Arts Council’s Gallery and the Library’s Annex, will create a hub of energy and activity in an enhanced gathering space at the entrance to Snug Cove. The new space will also spark economic opportunities and celebrate the artistic and intellectual life of Bowen Island. Thanks to the efforts of an amazing Fundraising Cabinet, and generous support from the community, the capital campaign, launched just one year ago, has been very successful. The Project Steering Committee is thrilled to announce they have reached 70% of the project budget of $950,000. “Adult spelling bees are becoming very popular in communities across Canada,” states Tina Nielsen, Chief Librarian.
“The competition will be lively, good-natured and entertaining. There are great prizes for the winning team and the team with the best theme and costumes.” Refreshments, including beer & wine, will be on sale at the event. The Spelling Bee is sure to be a memorable event, and hopefully the first of many to come. Intrepid Bowen Islanders will work together as a team and write their correct spelling on a whiteboard 20 seconds after hearing the word read. No standing alone at the front of the stage frozen in fear. That kind of bravery is just for kids! Come and cheer on your favourite team!
4 •< FRIDAY OCTOBER 21 2016
viewpoint The Write Stuff. The Undercurrent encourages reader participation in your community newspaper. You must include your full name and a daytime phone number (for verification only). The editor reserves the right to edit for clarity, legality, brevity and taste. Here’s how. To submit a letter to the editor, fax 604-947-0148 or mail it to #102, 495 Government Rd., PO Box 130, Bowen Island, BC V0N 1G0 or email editor@ bowenislandundercurrent.com. National NewsMedia Council. The Undercurrent is a member of the National NewsMedia Council of Canada, which is an independent organization established to deal with acceptable journalistic practices and ethical behaviour. If you have concerns about editorial content, please email editor@ bowenislandundercurrent.com or call 604-947-2442. If you are not satisfied with the response and wish to file a formal complaint, visit the website at mediacouncil.ca or call toll-free 1-844-877-1163 for additional information.
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Thank you to the Bowen Island firefighters Dear Editor: Caring Circle would like to thank the Bowen Island firefighters for their recent donation to our organization. We are proud to know that Bowen’s firefighters support us in our work – their donation will be put to good use providing health-related services that are very much needed in our community. The founding purpose of Caring Circle is to help people feel safe and secure on Bowen by helping them connect to health and social service resources on Bowen and in Vancouver. We have numerous programs to fulfill this purpose but the cornerstone of our outreach to the community is the Health Resource Centre next to the library. In the past three years, our program director has responded to more than 1,200 requests for information and support, each one directly helping Bowen Islanders and their families. This donation will be put directly towards providing these health navigation ser-
vices as well as supporting our various other programs, including the driver program, the lunch program, the “Connections” program, and the other educational
opportunities we offer. Just as we feel safe and secure knowing that Bowen firefighters are there for us when we need them, the Caring Circle endeavours
to be there for our community when they need health support. Hence it is a great honour to know that the firefighters value and support our work in their com-
munity as we do theirs. With great appreciation, Maureen Witney Caring Circle program director, on behalf of the Caring Circle board
Reader experiences post-ferry road rage U.S. election teaches path Dear Editor: My wife had a very unpleasant experience recently. After driving off the Bowen ferry, she was followed up the hill through Snug Cove by an irate motorist who began steadily honking his horn at her. She pulled over at the first available safe spot, by the BICS playfield. The other driver got out of his car and confronted her, repeatedly yelling that her car’s bumper had come into contact with his car’s bumper on the ferry’s side ramp. She pointed out that her car had stalled and rolled back, that there was no damage, that it was imperative to unload before checking for damage, and that it was unsafe to stop in the Cove in the middle of heavy ferry traffic. The man continued to yell at my wife, even after she threatened to call the police. I urged her to file a report, with all the details, with the RCMP. Unfortunately, this sort of thing is bound to happen again, or has already happened, to someone else. This situation was not my wife’s fault. I blame BC Ferries for having
#102–495 Bowen Trunk Road, PO Box 130, Bowen Island BC, V0N 1G0 Phone: 604.947.2442 Fax: 604.947.0148 Deadline for all advertising and editorial: Monday, 4:00p.m.
drivers park close together on the steep sections of the side ramps. Her car is one of the most fuel-efficient vehicles on the road today. The trade-off is that her sub-compact, with a small engine and standard transmission, is more liable to stall and roll back when starting from a dead stop up a steep incline. The space between cars on the incline should be significantly widened or perhaps sometimes cars should not be parked there at all. Drivers who are aware of the rollback problem should be allowed to refuse to be put in harm’s way by ferry personnel. Drivers who willingly park on the stern-most incline should be allowed to leave extra space above them. We haven’t had a real winter since the ramps were installed. I can imagine the potential for fender-benders a heavy snowfall could cause, when de-icer cannot keep up. As for dealing with irate motorists, my advice for anyone caught in my wife’s situation is to turn right at Miller Road and pull into the RCMP office. Dale Hamilton
to truth is education
Dear Editor: The following is the text of a letter I recently submitted to the North Shore News (published on Oct. 12): The key reason many people in the United States will vote for Donald Trump is America’s poor quality of public education. As Albert Einstein said: “Education is not the learning of facts, but the training of the mind to think.” The substantial support for Trump in the presidential election campaign clearly shows a fundamental lack of critical thinking on the part of many American citizens. It also demonstrates the single most important step Americans need to take for the betterment of their society is to strive for quality
public education. The basic lesson to be learned from this presidential election is that a nation can only be truly free to the extent that it champions education – for it is the truth that makes us free and the path to the truth is education. For Undercurrent readers who may not be aware, Bowen Island is a leader in championing education in British Columbia. Through pioneering grassroots efforts aimed at promoting and establishing the community school concept, Bowen was the first community to create a community school in the province. That accomplishment alone is the mark of a truly great community. John Sbragia
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FRIDAY OCTOBER 21 2016 • 5
Revitalize your relationship to yourself and to others in just 10 minutes JACK & SOORYA RESELS CONTRIBUTORS
When we first heard our mentors Gay and Katie Hendricks say that you can revitalize yourself and any relationship in just 10 minutes, we thought “Come on! That’s impossible!!” Did you have a similar response when you read this article’s title? As relationship and life coaches, we see many people who feel overburdened and want to rejuvenate their relationship with their partner, family member, work associate, friend and ultimately with themselves. Often, they want us to fix them, it, or someone else in their world because they don’t know what to do. Truthfully, we occasionally feel that way too. We notice it pretty quickly though and then choose this 10-minute technique that we’ll share with you. First some context. Invariably when we dig deeper, people discover that they’ve been putting their chores and “to-do” lists ahead of what gives them joy and pleasure. With lots of responsibilities and busy schedules, we all can get very involved in getting things done and we forget about happiness. What Gay and Katie taught us, and what we recommend to our clients, is this: Leave your duties and assignments behind for just 10 minutes and begin a daily 10-minute “me-first” creativity program. In other words, take care of yourself every day and start living from your creativity and joy. Watch
what happens to your sense of aliveness and energy throughout your day. When you give yourself permission to live from inspiration rather than routine, you will feel more free to focus on your tasks again. Just taking 10 minutes to do anything that you enjoy and delight in can totally revitalize you: be it to go for a walk, write a poem, sing, dance, play an instrument, meditate, journal, go for a jog, do some yoga, paint a picture, water plants, read, breathe, do a puzzle or anything else you love to do. We recommend doing this first thing in the morning because you will have a lot more choice in the privacy of your own home. But then, why not share your joy in your work environment or generate time for yourself whenever you catch yourself needing it? The famous mythologist and writer Joseph Campbell called this “following your bliss.” He said, “If you follow your bliss, you put yourself on a kind of track that has been there all the while, waiting for you, and (then) the life that you ought to be living is the one you are living. Wherever you are – if you are following your bliss, you are enjoying that refreshment, that life within you, all the time.” You can always go back to your lists, chores and routines. They are not going anywhere. But you have changed. Connecting with your creativity and originality, you suddenly feel more alive and inspired. Then you are so much more attractive to your friends,
Bowen Community Recreation offering trial pickleball series REBECCA LYNE CONTRIBUTOR
Wondering what the buzz is about the rapidly growing sport of pickleball? Here is your chance to find out without having to travel off island. This introductory session will provide new, experienced, or in-between players the opportunity to learn the game and/or help teach others. B.C. Pickleball calls it, “a sport for all; from kindergarten to 90 years old.” Check out their website at
bcpickleball.com for more information regarding rules, leagues and newsletters. If you or someone you know is an experienced pickleball player, we would love to hear from you. Call the recreation office (947-2216) or email rlyne@bimbc.ca. For more information or to register for our upcoming Pickleball session, visit bowenrecreation.com (Saturdays, Oct. 22, 29 and Nov. 5, noon, 1-2:30 p.m., BICS gym).
On the calendar Soorya and Jack are spiritual mentors and life/ relationship coaches. They will lead a three-part series beginning Oct. 29, entitled The Yoga of Relationship: Creating Intimacy When life Is Busy With Family and Work, at Bowen Island Yoga. Info: bowenislandyoga. com/workshops. photo supplied colleagues, family or partner than when you mindlessly and efficiently, but joylessly, go about your day. Others will be attracted to this new inspired self and you’ll be available for connection. You and those around you will want to move closer together, to share, co-create, exchange ideas and combine your energies in new imaginative ways. We invite you to take one simple step toward discovering, pursuing and thriving through cultivating your creativity and joy. Just 10 minutes a day. Once you do, we have no doubt that what happens for us will also happen for you.
This skill of revitalizing your relationship to yourself and others is simple but requires practice. Just like riding a bike, at first it is difficult, but then you hit balance and suddenly you can do it. Keep practising. That’s what we do. Jack and Soorya Resels have studied and trained with world renowned relationship experts Drs. Katie and Gay Hendricks (Hendricks Institute in Southern California). Jack and Soorya are certified Conscious Loving and Living Coaches and have worked with hundreds of individuals and couples.
SATURDAY, OCTOBER 22 Montessori Kid & Kaboodle Sale, 10 a.m.-1 p.m. All donations welcome until Friday, Oct. 21 at the Montessori School. Bowen Island Library First Annual Adult Spelling Bee: Register your team by Oct. 8 at the library or at bowenlibrary.ca. Workshop: Recovering from head injury featuring occupational therapist Tamara Soloway, 9:30 a.m. To register, call Caring Circle at 604-947-9100 or email info@caringcircle.ca. Try out pickleball in the BICS gym, 1-2:30 p.m. Registration: bowenrecreation.com.
MONDAY, OCTOBER 24 SKY will have exercise at 9 a.m., coffee at 9:45 a.m., Speaker’s Corner with Rob Forbes from the Bowen Island Museum & Archives at 10:15 a.m., and yoga with Diana Kaile at 11 a.m. TUESDAY, OCTOBER 25 Community Lunch at the Legion, 11:30 a.m.-1 p.m. Gourmet soup served with bread, followed by tea/coffee and dessert. Adult event. Cost: $5. THURSDAY, OCTOBER 27 Bowen Wine Festival, 6:30-9 p.m., Evergreen Hall at 454 Melmore Rd. Tickets are $50 per person, available at the Bowen Island Beer and Wine Store. Family Place Annual Trick or Treat at Artisan Square, 10:15 a.m. A great way to introduce Halloween to very young children.
REGULAR SCHEDULE BC Ferries REGULAR SCHEDULE Oct 11 21, 2016 In Effect Mayto 15Dec to October 13, 2014
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^ 5:30 am** 5:30 am 6:30 am 6:30 am 7:30 am*^* 7:30 am 8:30 am 8:35 am 9:30 am# 9:35 am # 10:30 am 10:35 am 11:30 am 11:40 am 12:30 pm 12:45 pm 3:00 pm 3:10 pm 4:15 pm 4:00 pm†† 5:15 pm 5:00 pm * 6:20 pm 6:00 pm 7:20 pm 7:00 pm** 8:15 pm # 8:00 pm# 9:10 pm 9:00 pm 10:05 pm 10:00 pm
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66 •< FRIDAY FRIDAY OCTOBER OCTOBER 21 21 2016 2016
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Correction:
Michaels Stores included the Star Shower in our 10/14 & 10/21 advertisements. Unfortunately, the Star Shower will not be in stores until 11/7/16. We apologize for any inconvenience this delay may have caused.
DEPARTS SUN to THURS FRI & SAT SNUG COVE 11:15PM 12:15AM SNUG COVE 11:15PM 12:15AM HORSESHOE BAY 11:30PM 12:30AM HORSESHOE BAY 11:30PM 12:30AM
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The mortgage “stress test” and Bowen housing AARON DAVISON CONTRIBUTOR
If you are currently invested in the real estate market, or if you are simply concerned about finding or keeping a roof over your head, you’ve likely heard about the new housing insurance rule changes that come into effect this week. These changes are aimed at protecting the financial security of Canadians and supporting the long-term stability of the housing market in Canada. They are meant to respond to the effects of years of low interest rates and changes in the way the market operates. The Federal Department of Finance has rolled out three new rules relating to this, but only the “mortgage rate stress test to all insured mortgages” (which came into effect on Monday) affects a borrower’s purchasing power. So this is the one I’ll examine today. An insured mortgage is a mortgage where a borrower has less than a 20 per cent down payment. Before this new rule, clients could qualify for a mortgage using different interest rates depending on the product. For terms less than five years and/or variable rate products,
one could qualify at the Bank of Canada’s conventional five-year fixed posted rate (currently 4.64 per cent). If they were to choose a five-year fixed rate product, however, they would be qualified at the contract rate (the rate at which they are actually paying interest). These days, some contract rates for five-year fixed mortgages can be more than a couple of per cents less than the Bank of Canada rate. The new rule has made the Bank of Canada rate the minimum rate used for qualification calculations, regardless of the product or term. This significantly reduces purchasing power because borrowers will now have to come up with much larger down payments or have higher incomes to qualify for the same mortgage amount. Let’s look at an example: A few weeks ago, Mr. and Mrs. Snug were looking to purchase a property on the island that they love and call home. They have an annual household income of $100,000 and have managed to put together a down payment of $30,000. They find their dream home listed at $599,000 and head to their friendly local mortgage broker, or First Credit Union. Their chosen institution
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3-8PM SATURDAY 22ND OCTOBER
KIDS FREE!
STEAMWORKS BREWERY WHISTLER BREWING MOODY ALES MOLSON CENTRAL CITY BREWING DRIFTWOOD BEER RED TRUCK
CHRISTINE WITH LIVE MUSIC FROM SHERRINGTON
runs the numbers and finds that they’re good to go, as the required annual income to qualify at that point was around $96,000. Fast forward to today. The same scenario would have Mr. and Mrs. Snug out of luck, as their required combined annual income is now over $120,000. In order to purchase their dream home they would have to come up with another $80,000 for their down payment, or would require a co-signer on their application. Keep in mind that nothing would change with respect to the mortgage itself as the interest rate they’d receive is the same and their monthly mortgage payments would be the same. The Department of Finance just wants the “stress test” qualification to show that you can handle your payments should the interest rates rise significantly in the near future. In real terms, this translates to approximately a 20 per cent reduction in purchasing power. On Bowen, many renters are being forced out of their homes because their landlords are selling. They dream of owning their own home, if for no other reason than the lack of security of our current rental mar-
ket. This new mortgage rule, resulting in a dramatic drop in purchasing power, is not only unfortunate but in consideration of the rental market as well, could be forcing families and residents without large down payments and higher incomes off island entirely. There are some real implications to consider for our neighbours and communities. The government has a history of implementing changes, and then retracting them with enough public outcry. So we all have a say in policy changes. If you’d like your purchasing power back, please take the time to share your voice. Reach out to our local MP Pam Goldsmith-Jones (Pam.GoldsmithJones@parl.gc.ca). For more information on the changes, Dominion Lending Centres has a great summary that can be found here: dominionlending.ca/newrules. Aaron Davison is a mortgage broker with Dominion Lending Centres Origin, living on and loving Bowen Island. He and his wife Harmony are expecting their first baby any day now. He can be reached at 604-947-0448, aaron@aarondavison.ca or facebook.com/aarondavisonmortgageteam.
1ST ANNUAL ADULT SPELLING BEE
Cates Chapel
OCTOBER 22 7:30 pm Bee starts at 8 pm sharp
Come and cheer on your favourite team! Beer, wine and pizza for sale
Audience tickets $10 available at the library and at the door
A fundraiser for the Cove Commons Project (Annex/Gallery)
WWW.BOWENISLANDUNDERCURRENT.COM
FRIDAY OCTOBER 21 2016 • 7
BOWEN BULLETIN BOARD LANCE’S RECYCLING
NOW HIRING
Apprentices/Carpenters with Minimum 4 years experience. Competitive wages with long term “on islan d” employment building custom homes.
ads@bowenislandundercurrent.com
Please forward all applications/resumes to info@whitehart.ca, or contact us @ 778-999-3434
Advertising deadlines:
4pm Friday to book the space 4pm Monday for artwork Contact Maureen to book your ad today. 604-947-2442
Gallery @ Artisan Square Presents
I’ll pick up your recycling and deliver to BIRC for $25/load Kindling $20/box at Building Centre CALL 947-2430
The Bowen Island Photography Club Featuring
12 Local Photographers October 20 November 20 ARTIST RECEPTION Sunday Oct 23rd 2-4 pm
MOVEMENT GLOBAL DESIGN
10th Annual Eco-Fashion/ Movement show Join us Sat Nov 5th from 7pm - 8:30pm at the Gallery in Artisan Sq. Gather with community and friends for Fun, Fashion and Movement. Entrance by donation to the Pamoja Foundation www.pamoja.org Sponsored by Movement
www.movementglobal.com 590 Artisan Square movementglobal@gmail.com
604.349.7402
info@bowenconcrete.ca
FOR ALL YOUR
CONCRETE NEEDS We Dig it, Form it, Mix it, Pump it
Your Community
MARKETPLACE Or call to place your ad at
604-630-3300
Email: classifieds@van.net
Phone Hours: Mon to Fri 8:30 am to 4:30 pm Office Hours: 9 am to 5 pm
BC WIDE CLASSIFIEDS
ADVERTISING POLICIES
All advertising published in this newspaper is accepted on the premise that the merchandise and services offered are accurately described and willingly sold to buyers at the advertised prices. Advertisers are aware of these conditions. Advertising that does not conform to these standards or that is deceptive or misleading, is never knowingly accepted. If any reader encounters non-compliance with these standards we ask that you inform the Publisher of this newspaper and The Advertising Standards Council of B.C. OMISSION AND ERROR: The publishers do not guarantee the insertion of a particular advertisement on a specified date, or at all, although every effort will be made to meet the wishes of the advertisers. Further, the publishers do not accept liability for any loss of damage caused by an error or inaccuracy in the printing of an advertisement beyond the amount paid for the space actually occupied by the portion of the advertisement in which the error occurred. Any corrections of changes will be made in the next available issue. The Bowen Island Undercurrent will be responsible for only one incorrect insertion with liability limited to that portion of the advertisement affected by the error. Request for adjustments or corrections on charges must be made within 30 days of the ad’s expiration. For best results please check your ad for accuracy the first day it appears. Refunds made only after 7 business days notice!
GENERAL EMPLOYMENT Professional Opportunities: Troyer Ventures Ltd. is a privately owned energy services company servicing Western Canada. All job opportunities include competitive wages, comprehensive benefits package and room for advancement. We are accepting applications at multiple branches for: Professional Drivers (Class 1, 3) and Swampers. Successful candidates will be self-motivated and eager to learn. Experience is preferred, but training is available. Valid safety tickets and current drivers abstract are required. Iinformation and to apply, please visit our website at: Troyer.ca
ANSWERS Reduce Reuse Recycle The classifieds can help! 604.795.4417 604.630.3300
FOR SALE - MISC SAWMILLS from only $4,397 Make money & save money with your own bandmill - Cut lumber any dimension. In stock ready to ship. FREE Info & DVD: www.NorwoodSawmills.com/400OT 1-800566-6899 Ext:400OT STEEL BUILDING SALE ...”BLOW OUT Sale on now!” 21X23 $4,998 25X25 $5,996 27x27 $6,992 32X35 $9,985 42X45 $14,868. One End wall included. Pioneer Steel 1-855-212-7036 www.pioneersteel.ca
HEALTH & BEAUTY MEDICAL CONDITION? Get up to $40,000 from the Government of Canada. Do you or someone you know Have any of these Conditions? ADHD, Anxiety, Asthma, Cancer, COPD, Depression, Diabetes, Difficulty Walking, Fibromyalgia, Irritable Bowels, Overweight, Trouble Dressing...and Hundreds more. ALL Ages & Medical Conditions Qualify. Call: British Columbia Benefits 1-800-211-3550
TRAVEL FOUNTAIN OF Youth Spa RV Resort is your Winter Destination for Healing Mineral Waters, Five-Star Facilities, Activities, Entertainment, Fitness, Friends, and Youthful Fun! $9.95/Day For New Customers. Reservations: 1-888-800-0772 foyspa.com
CHIMNEY SERVICES Santa’s Chimney Services Sweeping, Repairs, Re-builds
WETT Certified 778-340-0324
P Promote your Craft Fairs, Christmas Events and Services We are offering a 25% discount on Christmas Corner ads Until December 21st CCall 604.630.33000 to book your ad
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88 •< FRIDAY FRIDAY OCTOBER OCTOBER 21 21 2016 2016
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Slowing down and staying sober, meditation is the key
Help Wanted
MERIBETH DEEN EDITOR
Come join our team and be a part of the change! Bowen Island Lodge is now open year round and looking for full and part time staff. If you are interested in one of the following positions please drop by the lodge at 380 Cardena Road, Bowen Island. Please bring a resume with 3 references attached.
Housekeepers Required to work on days when the rooms require flipping from one group to another as well as when guests are on-site Compensation Hourly wage plus gratuity share available
Guest Service Agents Required to work a flexible schedule in the areas of Front Desk. Food Services, Guest Services and Housekeeping
Compensation Hourly wage plus gratuity share available
Visit our website www.bowenislandlodge.ca
Meditation, exercise and good nutrition – these are the things, says David Shadbolt, that made it possible for him to stay sober for 24 years now. “Nutrition and exercise yes,” he says, “But I’d say it is meditation that has made the biggest difference. There are statistics that show that people who meditate have a greater chance of not relapsing. Most people in recovery have a history of trauma, and we need to heal ourselves. For me, meditation forced me to go deep into those issues and grieve. When I got through, I could feel a new lightness of being.” Shadbolt says his first experience with meditation was in 1989, during a 10 day silent retreat in Thailand. “I was on a round the world trip, and this was a highlight,” he says. “I was not being bombarded by sites, by decisions, where to go, what to eat…” It was not until 2006, however, that Shadbolt got serious about meditation. “I was in Yellowknife and I went to a workshop on Passage Meditation. I knew right away it was for me,” he says. “After the first class, I broke my ankle and I was lying in the hospital determined to get out in time for the next workshop. ... I hob-
David Shadbolt sits, as he does every day, in his meditation spot. photo Meribeth Deen bled to the class on crutches.” Shadbolt says he has been committed to daily meditation practice ever since. “It brings me into the present moment,” he says. “It helps me focus on one thing at a time, and slow down. Of course, I am
HEALTH & WELLNESS Dr. Susanne Schloegl
NexGen Hearing
Open Mon.Wed. Thurs. Fri. Now accepting Bowen patients. Artisan Square
604-281-3691
M.D.
604-947-9986 Bowen Island Chiropractic
Dr. Tracy Leach, D.C.
Bowen Island Naturopathic & Acupuncture Clinic #201 - 566 Artisan Square
Certified provider of Active Release Techniques
Natural health solutions for the whole family
Artisan Square Tues. & Fri.
draleabell@gmail.com
778-828-5681
www.drtracyleach.ca
BODY VITALITY MASSAGE THERAPY James Goldfarb RMT BC#05279 Fri, Sat, Sun, Mon Call 604-288-2860 text 250-726-8080 www.bodyvitality.ca
Dr. Alea Bell, ND Naturopathic Doctor
778-891-0370
Courtney Morris, R.Ac Registered Acupuncturist, Doula, Homeopath
604-338-5001
courtneykmorris@gmail.com
Dr. Utah Zandy 604-947-9830 CALL FOR APPOINTMENT OPEN TUESDAYS & THURSDAYS
Call us at
FREE
Hearing Testing On Bowen Island @ Caring Circle West Vancouver
Dr. Dana Barton
Naturopathic Physician 596 B. Artisan Square
604-730-1174 Natural Family Medicine
BOWEN ISLAND MASSAGE THERAPY 604-947-9755 EXT #1 @ #597 Wellness Centre & #595 next door!! TEXT: 604-653-9755 By Appt. 7 days a week MARY MCDONAGH RMT HARMONY SHIRE RMT ROBYN IZARD RMT ALICIA HOPPENRATH RMT
Celebrating 27 years Community Healthcare
Mary Coleman
Dr. Gloria Chao
778-233-4425
Artisan Square 604-947-0734
432 Cardena Road (behind the Library)
Alternate Fridays 10am - 4:30pm
604 947-9100 caringcircle.ca info@caringcircle.ca
MSW, RSW
Docs on the Bay and Bowen Island Compassion minded counselling to grow wellbeing in the midst of serious illness, loss and grief.
Family Dentist
Caring Circle Health Resource Centre
Open M-W-F - 10-4
Horseshoe Bay 604-921-8522 www.bowenislanddental.com
“We connect individuals on Bowen Island to health services, social programs and each other - for free."
still working on all of that.” David Shadbolt will be joined by Leo Chan, Lea Cline and Lisa Shatsky in Meditation Journeys: an introductory tour of meditation and mindfulness at the Bowen Island Library on Oct. 25 at 7:30 p.m.
At entrance to Artisan Square Suite #597
CATHERINE SHAW Dr. Traditional Chinese Medicine/Acupuncturist
❦
MARY MCDONAGH RMT, DCH
Registered Massage Therapist
❦
SANDY LOGAN Registered Physiotherapist
Psychologist Dr. Carolyn Nesbitt PhD, R.Psych #1484
604-376-9801 www.CarolynNesbitt.com