Celebrating Indo-Canadian Life 1012673
Vol. 2 NO. 7
Serving BC’s Interior
ounded in 2009 by Amit Thakur, India Club is the Indian community club at Thompson Rivers University. The population of Indian students studying in Thompson Rivers University (TRU) is increasing every semester. There are more than 370 Indian subcontinent students at TRU presently. Affiliated with the Thompson Rivers University Student Union (TRUSU), India Club celebrates festivals and diversity rooted to Indian culture.
In the past, TRUSU India Club has organized various events on Indian Festivals, Diwali, Holi, Vaisakhi, Ram Navami, Welcome and Farewell Nights. Rang De Basanti has emerged as a signature event of our club. It celebrates the three important festivals of India; Holi, Vaisakhi & Ram Navami. Diwali lightens hearts of newly arrived students and gives them sense of belonging in a new land. This year the Diwali celebrations are to be held at the Old Gymnasium at TRU. Highlights of the event are performances by students. Some of the much awaited performances this year are Bollywood dance, Gharbha and Bhangra. “If you are an avid Indian food lover this is the event,” said Amit Goel, International Student Advisor at TRU World. “Keeping in mind the religious sentiments of the festival, there will be delicious vegetarian food.” Sponsors for this years event are Elite Overseas, Thomson Rivers University World, Thompson Rivers University Student Union, CIBC, City Furniture, Insight and Kami Cabs.
Samantha Elizabeth and Dora Rodriguez celebrating Diwali at TRU
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S2 insight OCTOBER 2013
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OCTOBER 2013 insight S3
Feature Story ~ Events ~ Viewpoint ~ News
iwali is an annual festival of Hindus. Generally it falls during the month of October or November. Hindus throughout the world celebrate this festival with great joy. The festival of Diwali has a religious sanction behind it. It was on this day thousands of years ago that Shri Ram Chandra set foot on Ayodhya after completing the 14 years of his exile. His return was a matter of great joy and relief to the people of Ayodhya. They celebrated the occasion by arranging illuminations on a large scale. Mass prayers were held to mark the esteem with which the people held Ram Chandra. Since those days, Diwali is celebrated every year to perpetuate the memory of the reunion between the two royal families. Apart from religious considerations the festival marks the beginning of winter and change in the crop pattern. Businessmen close their annual account on this day Diwali is celebrated by illuminating houses and buildings by electric
bulbs, wax candles or even earthen lamps. On this day people visit their relations and friends and exchange greetings with packets of sweets and gifts. At midnight the most religious minded among the people perform puja of the goddess Lakshmi who, it is said, blesses her followers with riches on this night. Many people keep a night-long vigil and do not close their doors in order to facilitate the chance entry of the goddess into their houses. During the day people go out to purchase toys and sweets for their children which suddenly spring up on this day. Nowadays, children are very enthusiastic to celebrate the festival. They make preparations for it weeks in advance. The most popular form of the celebrations is the use of crackers and fireworks of different shapes and explosive capacities. As soon as the evening falls children come out of their houses, form groups, collect money to purchase crackers and go from street to street making noise by exploding them. Each group competes the other by exploding crackers of bigger force. Though thousands of years have passed since Diwali was first celebrated, yet the spirit of Diwali in the minds of Hindus still remains.
Featured performances at Diwali Fest 2013 October 29 - November 8 Start your Diwali Fest with a strut down the red carpet at the IndiGlam Fashion Social. This event will showcase the evolution of Indian art to incorporate contemporary and western fashion. Fusion fashion is taking the red carpet by storm. A staple element of Diwali celebrations in Eastern and Western societies, we introduce our newest signature event, the IndiGlam Fashion Social. From clothing to jewelry and accessories, the show will portray the glamour, poise and elegance of men’s and women’s fashion through a two-hour fashion and social extravaganza. Designers include Rimpy Sahota, Ridhi Mehra, Dolce & Gabana, Canali, Hugo Boss, Armani Collezioni, and Bhana Design Company. Make-up and hair design by Pink Orchid Studios. Décor by Soiree Planners. Wine from Desert Hills Winery. Music by DJ A-Slam. Tuesday Oct. 29, 2013, 8:00 pm at the Scotiabank Dance Centre The following day we bring an introduction to Diwali to the Atrium of the Vancouver Public Library downtown, tracing the history of Diwali. Zahra Habib will demonstrate a combination of classical kathak and modern dance, PANJ Bhangra will show their energetic moves, plus the multicultural Bollywood Remixed dancers. Oct. 30, 2013, noon - 12:30 pm at the Vancouver Public Library's central branch
In the Exhibition Hall – Akhil Jobanputra – classical Indian Music Aly Sunderji – two musicians and two dancers Anju Bedi – female sitar player Gurnaz Sandhu – classical Indian singer Simran Sandhu – classical Indian singer Akaaljot Singh and Satpreet Singh – twin 9- year old tabla players
By Ashok Mohan
Sticks’n’Skins – percussion group finale
In the Music Hall – Cassius Khan and Amika Kushwaha – tabla, harmonium, vocals Akhil Jobanputra Akhil Jobanputra Amy Dhudwal – Punjabi folk meets urban R&B
In the Dance Hall (Gym) – Anita Sharma – kathak dancer Asha Singh – Bharatanatyam costume designer Bollywood Remixed – multicultural Bollywood dance troupe CollaboCall – breakdancers Esha Singh & Jahnavi Singh – Bharatanatyam-style performance of a Kathpuli puppet show Malavika Santhosh – Bharatanatyam dance Sheela Amudhanar Bharatanatyam dance workshop Vancity Bhangra – one of Vancouver’s professional bhangra teams Shiamak – Vancouver’s premiere bollywood dance group – workshop and finale performance Food: Back by popular demand Vij's Railway Express and Soho Naan Kabob. New this year Varinicey Pakoras! Throughout the day you’ll also find an Indian bazaar featuring South Asian crafts and food, a room-sized rangoli, and a “trade show” display of South Asian fashions from top Vancouver designers. Our special Grande Finale is brought to you by Patak’s. Saturday, November 2, from 3:00pm – 8:00pm at the Roundhouse Community Centre We close off the 2013 festival with the return of one of our favorite events: The Chai House. Come enjoy this intimate cabaret performance with NaQsh, a Punjabi rock band, led by
Daksh Kubba, and Lapis, a fusion trio of Mohamed Assani, Rup Sidhu and Curtis Andrews, plus DJ A-Slam. This year’s event will feature Juno-award winning soul singer Chin Injeti. Friday Nov. 8, from 8:00 pm, Surrey Arts Centre Long seen as the backbone of our festival, the Diwali Workshops are extremely popular with community centres and neighborhood houses across Vancouver. Thanks to support from the BCGEU we have expanded to more workshops at community centres. These feature professional artists and facilitators leading workshops in rangoli design, diya lamp painting, bhangra and Bollywood dancing, and mehndi hand painting.
West End Community Centre – Friday, Nov 1, 4 – 6pm Renfrew Park Community Centre – Saturday, Nov 2, 10:30 – 12:30 Trout Lake Community Centre – Sunday, Nov 3, 12:30 – 2:30pm South Vancouver Neighbourhood House – Monday, Nov 4, noon – 3pm Thunderbird Community Centre – Friday, Nov 8, 4 - 6pm
Diwali warm-up Come celebrate the festival of lights with your loved ones at the inaugural Diwali Fest Dinner & Dance Gala, brought to you by BCGEU. This event will feature a delicious buffet dinner, featuring Malvika Santhosh doing a Bharatanatyam ‘prayer dance’ prior to dinner, and the multicultural group Bollywood Remixed throughout the evening. Friday, Oct 25, 7:30pm to 12:30am Royal King Palace Banquet Hall, 8158 128 Street, Surrey (information as provided by Diwali Fest 2013)
S4 insight OCTOBER 2013
Insight: Celebrating Indo-Canadian Life is created by the Special Publications Division of Glacier Media Inc. Program Director: Aj Nijjer advertising sales: Aj Nijjer firstname.lastname@example.org
Managing Editor: Rajeshwari Rajimwale CONTRIBUTING WRITERS: Larkin Schmiedl
All rights reserved. No part of this magazine may be reproduced without written permission. Publisher: Tim Shoults Director of Advertising: Kevin Dergez Design & Layout: Mike Coulter Photography: Murray Mitchell
Food For Cause By Rajeshwari Rajimwale
pice of India Cuisine and Sweet Shop Ltd had organized a fundraiser on Oct. 9 to celebrate their third anniversary. The fundraiser was organized for Kamloops Family Resources Society’s Family Tree Centre.
fundraising event was organized for Royal Inland Hospital. “This year we choose Family Tree Centre as it is a non-profit organization,” added Sawa. “The organization does not get funding from government. At Spice, we really respect the work they do.”
“October is a celebration time for us,” said Sukhwinder Sawa, owner Spice of India Cuisine and Sweet Shop Ltd. “Last year, we came up with the idea of a fundraising event to celebrate the restaurant’s anniversary. Our motto is contributing towards the community.”
As every year a special buffet dinner was organized where around 200 people participated. Menu for the buffet was scrumptious East-Indian food consisting of lamb curry, cauliflower potato vegetable and Indian deserts. The event raised $5100
Sawa believes that it’s the support and encouragement of the community that has helped them achieve all the success. Last year for their second anniversary a
“For this year’s event we had a lot of support from the Family Tree staff,” said Sawa. “They helped us sell tickets and helped us during the event also.”
Kamloops Family Resources Society is a non-profit society. Their vision is a community where families have support and personal capacity to overcome life’s challenges and reach their desired potential. At the Family Tree Family Centre, families enjoy a warm and respectful environment where they find support in each other, in visiting professionals and in the caring staff who understand how to connect people with the help they need. At their drop-in program, families can find healthy food, peer-based social support, connections to professional services, clothing and baby equipment, a family health library, health and parenting workshops, children’s circle time and other special events and activities. (Source: www. Kfrs.ca)
For Advertising & Subscription details please call 250-371-6137
Celebrating The Centenary Year
PRINCE GEORGE’S NEWEST DENTAL CLINIC
By Rajeshwari Rajimwale
he Okanagan Punjabi Cultural Association and Kelowna Sikh Temple had recently organized a seminar and poetry recitation to celebrate the centenary year of the Ghadar movement. The event was held at Okanagan College Theatre, Kelowna.
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The Ghadar was formed when peasants from Punjab traveled to North America and Canada in search of work. These peasants were racially discriminated and attacked. The British government refused to intervene. The movement had its roots in North America and moved on to India.
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The event saw talks and poetry recitation by noted historian Sohan Pooni, Dr Surinder Dhanjal, Iqubal Ramoowalia, Paul Dhillon and Pali Hundal. A books sale stall was organized and managed by Shinda Dhillon.
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OCTOBER 2013 insight S5
One Year Later
PRAISE FOR INSIGHT
Dr. Gur SiNGH
A Message from the Publisher
I came to Kamloops in 1967. As the first Indo-Canadian physician in town, I was proud to build upon the success of our then much smaller One year ago, we launched a dream – a community, mostly working on farms and in the forest industry. Today, we dream of a publication that would not have a large Indo-Canadian only focus on and celebrate the accomplishments of the Indo-Canadian community, working in a diverse range of sectors, contributing even community in B.C.’s interior, but also serve as a bridge from that community more to society. Our community, for example, has raised large sums of to the general population. money for the hospital and the Today, you hold the anniversary of that university. I am proud of our dream in your hands. Insight magazine achievements and of our community involvement. Our son and daughter celebrates its first anniversary in this issue, focusing once again, as we did in and our two grand children, as second and third generation our inaugural issue, on Diwali Canadians, proudly consider Canada celebrations in the Interior and across their country and are contributing in the province. significant ways. Creating and expanding Insight from - Dr Gur Singh Kamloops and area to the Okanagan, Cariboo and Northern B.C. has been a sizeable effort on the parts of many people at Glacier Media and our operation in Kamloops, particularly Aj Nijjer, our program manager and advertising specialist; Rajesh Rajimwale, our editor, and Kevin Dergez, director of advertising and special publications at the Kamloops Daily News. We wish to pay special tribute to Mr. Keshav Sharma, whose determination and drive led to the creation of this product. Keshav is now with Glacier Media’s Vancouver Courier operation in the Lower Mainland but is still near and dear to us today and we take this opportunity to say (thank you)! Most importantly, we wish to thank our many thousands of readers, both from the Indo-Canadian community and outside it, and our advertisers who have supported our efforts. We hope you enjoy our anniversary issue and look forward to many joyous returns of this milestone!
- Tim Shoults Publisher Kamloops Daily News
Heartfelt Congratulations to Rajeshwari Rajimwale and the whole team at Insight on the one year anniversary for this important publication! I am very thankful for the opportunity to write a regular column here. I am very proud of the accomplishments of the IndoCanadian community! Happy Diwali!
- Arjun Singh
What a difference a year makes! In the last year, I have been fortunate to learn more about other cultures, communities and celebrations. I have also had the privilege of creating stronger relationships with life long friends, and have created new friendships that will certainly carry me through my later years. The original goal when we first introduced Insight was to be a vehicle that would allow for better understanding of cultures, and to celebrate these collaborations through the eyes of second and third generation Indo-Canadians. I am proud of what we have accomplished so far, but I will always look for ways to better serve all of our communities in the future. I would like to say a sincere thank you to all of the people who have worked with us on making this vision a reality!
I am delighted to hear you are celebrating your first anniversary. It is certainly time the interior of British Columbia had its own publication with stories about the Indo-Canadian community. I came to Canada in 1983. Since then the Indo-Canadian population has grown significantly both in the Lower mainland and other parts of the province. There are approximately ten thousand families in the interior and I expect that figure to grow even more. It is important for us as immigrants to celebrate our successes and our contributions to this great land. I firmly believe we need to always contribute to Canada, but at the same time not forget our history and culture.
- Kevin Dergez Director of Advertising Kamloops Daily News
Please accept my sincere congratulations on celebrating your one year anniversary in October 2013. I would also like to take this opportunity to wish all of your readers a very Happy Diwali. I understand Insight now serves one of the largest and fastest growing ethnic communities in B.C. With a circulation of 10,000 copies, I am informed Insight reaches out to target audiences across the BC-Interior region. Reaching key communities across Kamloops, Kelowna, Vernon, Penticton, Salmon Arm, Merritt, Oliver, Osoyoos, Keremeos, Princeton, 100Mile House, Williams Lake, Quesnel and Prince George.
I wish Insight a lot of success. Keep up the good work. I would like to take this Congratulations once again on this opportunity to also wish everyone a auspicious occasion and all the best happy Diwali. for a very successful year ahead. All the best,
- Mohini Singh OBC Kelowna City councillor
- Eric Foster
S6 insight OCTOBER 2013
A Me ssage from the Premier As Pre mie r of the Pro vinc e of Brit ish Col umb ia, it is my plea sure to con grat ulat e Insi ght Mag azine on a suc cess ful firs t yea r of pub lica tion . I wou ld also like to take this opp ortunity to sen d my war mes t gree ting s dur ing this yea r’s Diwali cele brat ions . Wit h a focu s on issu es relating to the Ind o-Canadian commun ity, Insight Mag azin e is committ ed to providi ng read ers with info rma tion that mat ters to them. Wit h cov erag e spa nnin g local news and bus ines s issu es, to ente rtainme nt and lifestyl e, this publication has pro ven to be a valuable resource for all members of the commun ity. Onc e aga in, con gratulat ions to all thos e invo lved in the publica tion of Insi ght - the wor k you do contrib utes grea tly to mak ing our pro vinc e suc h a wonderf ul plac e to live . Plea se acc ept my bes t wis hes as the commun ity comes toge ther to cele brat e Diwali, and for man y mor e yea rs of suc cess . Sincerely,
Christy Clark Premier
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OCTOBER 2013 insight S7
Premier officially opens Surrey Memorial Hospital Emergency Department Premier Christy Clark, along with Health Minister Terry Lake and Fraser Health representatives officially opened the new Surrey Memorial Hospital emergency department, Canada's second-largest. "The impressive new emergency department at Surrey Memorial Hospital is more than just bricks and mortar, it represents our government's commitment to investing in the future, and ensuring vital services grow along with the community," said Premier Clark. The new facility is organized into specific zones to provide efficient, patient-centred care. This includes separate areas for walk-in and triage, patients in critical condition, lesscritical patients and a mental health and substance use zone. "The new emergency department is an investment in the future of the community and one that will support families across the Fraser Health region," said Lake. "Our government is proud to be contributing to improving health care across British Columbia and building infrastructure in the communities we serve." The centre also includes a separate
pediatric emergency department for children, one of only two in B.C. The pediatric emergency has its own entrance, private treatment rooms, a family area and a special area for pediatric mental-health patients along with a care team that will be on site 24/7. "Today is a milestone for not only the residents of Surrey, but for all people who live in the Fraser Health region who now have this state-of-the-art emergency department in their community," said Dr. Nigel Murray, president and CEO of Fraser Health. "Every person who uses this facility will be impressed by not only the space our staff now has to provide care, but also the organization of the space which will facilitate efficient, patient-centred care." The new emergency department will be able to hold six ambulances in a secure garage, have over 100 single patient rooms and be able to provide approximately 70,000 medical imaging procedures a year. "I work alongside many dedicated and talented emergency staff who are proud to be a part of the Surrey Memorial Hospital team," said Dr. Craig Murray, emergency physician at Surrey
Memorial Hospital. "We are excited to now have a space where clinical best practices have been integrated in the design and where state-of-the-art technology is used to ensure the patient experience is a positive one." The new emergency department is located on the first floor of the eightfloor Critical Care Tower. The remaining floors of the tower are expected to open in June 2014. "Surrey Memorial Hospital emergency department was originally built in 1991 to serve 44,000 patient visits a year," said Lakh Bagri, interim executive director of Surrey Memorial Hospital. "Today Surrey Memorial Hospital has the busiest emergency department in British Columbia with almost 100,000 patient visits per year, more than double its intended capacity" The new emergency department marks
a significant milestone in the redevelopment of Surrey Memorial Hospital, which is being developed into a world-class medical community that serves the entire Fraser Health Region. "A big thank you to everyone who made this day possible," said Jane Adams, CEO, Surrey Memorial Hospital Foundation. "Surrey and the region now have an Emergency Department designed to meet the needs of our growing population. Our donors also showed their outstanding generosity and support, helping Fraser Health purchase 20 per cent of the equipment needed for both the adult and pediatric areas." "Child Health BC (CHBC) an initiative of BC Children's Hospital, is proud to have played a key role in the creation and ongoing development of the Surrey Memorial Hospital Pediatric
Emergency Department, and in bringing this state-of-the-art facility to Surrey and the surrounding communities," added Dr. Maureen O'Donnell, executive director, Child Health BC. "A tremendous amount of work has lead up to the opening, congratulations to everyone involved. CHBC is looking forward to continuing our collaboration with Fraser Health toward our shared goal an integrated, accessible system that helps to provide the highest quality of care for the children and youth of Surrey, the Fraser region and all of B.C." The government of British Columbia has committed $492 million to the project, with an intended contribution of $20 million from the Surrey Memorial Hospital Foundation and Child Health BC.
Terry Lake, MLA Kamloops - North Thompson
Office: 618B Tranquille Road, Kamloops, BC Phone: 250-554-5413
www.terrylakemla.bc.ca Email: email@example.com
"On the auspicious occasion of Diwali & Gurpurab I wish peace and success, happiness and eternal bliss to the entire Indo-Canadian Community in the Thompson Valley"
Enterprise S8 insight OCTOBER 2013
Business ~ Profiles ~ Columns
Kamloops Immigrant Services
ccording to the Labour Market Outlook (2010 – 2020) it is expected that the supply of workers will not meet demand by 2016 in Canada. One in five residents in Canada is foreign born according to Statistics Canada.
The need for foreign workers is growing as the Canadian population ages out of the workforce and our birth rate is lower than our death rate. Immigrants also need settlement and integration assistance…. so where do immigrants go for support?
The objective of our Settlement and Integration Program: Kamloops Immigrant Services supports eligible clients to access a full range of community resources and services in order to assist them to become fully integrated into
Canadian and BC communities in all sectors. This includes economic, social and cultural integration. In recent years the 3 major countries of origin for immigrants coming to Kamloops are India, China and the Philippines. We are also seeing a growing number of Europeans and Latin American newcomers.
Information and Support Services: Our agency sees an average of 2,500 clients each year attending for services to address a variety of needs in their settlement process. We strive to assist newcomers in settling and integrating into Canadian society. The aim is to develop a better understanding of federal and provincial programs, municipal services, local organizations and other support groups within the civil society. The desired outcome is to support newcomers to actively participate
and enrich our diverse and multi-cultural society. We provide information, referrals or quick services to students, visitors, Provincial Nominees and Temporary Workers. We provide further support and information to landed immigrants, Permanent Residents (PR) and new Canadian citizens as well as access to additional services such as English Language Services for Adults (ELSA), Community Connection and other programs. Our Settlement and Integration staff provides assistance in the following languages: English, French, German, Gujarati, Hindi, Japanese, Mandarin, Punjabi, Spanish, Swahili, Taiwanese and Urdu.
Information and support services:
• Assessment and planning sessions according to clients’ needs • Orientation services on Canadian Culture, services and systems • Enhanced information regarding
specific processes such as legal system, citizenship, family reunification, health care, child care, employment insurance, tax information, etc • Para-counseling services and support to assist clients with specific issues and needs • Referrals to other community services and programs • Linking services to other service providers and programs in the community • Interpreting and translation services if/when needed, and cross-cultural orientation to clients and other agencies • Labour market information • Inter agency meetings, community partnerships and other liaising activities
• PR card applications and renewals • Citizenship applications • EI benefit applications • Child tax and child care subsidy benefits
• Care card and SIN applications/renewals • Landlord/tenant issues
Orientation and referrals to address issues including: • Human Rights questions • Landlord/tenant issues • Mental Health needs • Employment Standards rules for employers and workers We work to connect our clients and their families to community services to meet their needs for shelter, food, legal aid, health and various crosscultural services for the whole family. Whether you are an immigrant or a long time resident with a question, please contact one of our Settlement and Integration staff: Rajinder, Liza, Dominic, Min or Ann, our Community Connection coordinator, at our office anytime between 08:30 to 4:30 Monday to Friday at (778) 470-6101 or toll free at 1-866 672-0855.
DR. RICK MEHTA & ALL STAFF WISH YOU A VERY HAPPY DIWALI!
WESTSYDE DENTAL CENTER 2990 Westsyde Road, Kamloops, B.C. V2B 7E9
For inquiries and appointments: 250-579-2080 Email: firstname.lastname@example.org • www.smilewestsydedental.com
OCTOBER 2013 insight S9
KAMLOOPS IMMIGRANT SERVICES Together we’re better!
It takes courage to leave one home n search of a new home. We, at Kamloops Immigrant Services are here to help you meet the challenges of immigration by offering a bridge of support along the way to establishing in our community.
On behalf of the Board of Directors, Staff & Volunteers at Kamloops Immigrant Services,
WE WISH YOU ALL A HAPPY DIWALI!! Settlement and Integration
Providing immigrants, refugees, new Canadians and visible minorities with the following information: • Banking and Budgets • Housing • Health (Physical and Mental) • Community Supports Example: Family Resource Center, YMCA, Recreation Centers • Connections to Federal and Provincial Programs and Services such as: Child Tax Beneﬁts, Medical Service Plan and Income Assistance • Adjustment to life in Canada; Rights and Responsibilities • Guide through the Education System • Stress Support (Ie: Culture shock)
English Language Services for Adults ELSA Providing free English classes for eligible adult Canadians; focusing on speaking, reading, writing and listening skills. • Beginner to Intermediate classes • Helpful class themes address: housing, banking, work, health, education, transportation, Canadian Culture and much more • Computer assistance and training • Make new friends, contacts and connect with the community
• Connecting volunteer community members with immigrants for mentorship, organized community activities and events
Welcoming Communities Program
Building Capacity in Community Business and Organizations to support the integration and settlement of new immigrants
Please visit websites: www.WelcomeBC.ca and www.elsanet.org for more information
The ability to communicate is one of the most valuable skills a person needs to maneuver through a new country. You are not alone. Some of the languages that our staff speaks are: French, Punjabi, Mandarin, Taiwanese, Japanese, Spanish, Afrikaans, Sinhala, Tamil, Hindi, Tagalog, and English.
Funded in whole or part through the Canada - British Columbia Labour Market Development Agreement
448 Tranquille Road | 778.470.6101 | email:email@example.com | www.immigrantservices.ca
• Complimentary child care for pre-registered children of parents enrolled in our programs.
• One to one English tutoring by volunteer community members.
S10 insight OCTOBER 2013
Managing Your Money
Your mortgage stress test M
ortgage loan interest rates have been reasonably low for quite some time – but it’s important to remember that rate changes are driven by various market conditions so are always fluid and changing. In the current economic climate – and partly as a response to the federal government’s introduction of more stringent mortgage standards to protect consumers from taking on too much debt – mortgage interest rates have increased. Increased rates means increased mortgage payments.
Often consumers are focused on the total mortgage amount approved by an institution instead of looking at the full needs of maintaining their desired lifestyle and retirement goals. If you’re in the process of arranging a new mortgage or are refinancing an existing mortgage, the questions you need to ask yourself are: How large an
increase in interest rate can I handle and is there anything I can do to reduce the stress of increases? Let’s answer those questions right now – beginning with the impact on interest rate increases on a $100,000 mortgage with a 25-year amortization. So … what is affordable for you today might not be tomorrow. One way to insulate yourself from shorter-term interest rate increases is to opt for a longer term mortgage. A longer term mortgage may seem like a safer option in a rising interest rate environment, but keep in mind you will pay a higher interest rate than a shorter term mortgage which means your total interest paid will increase. You will also likely face significant penalties if you have to renegotiate the mortgage during the term because of the need to relocate to another city, upgrading or downsizing to a different home, or need to refinance for renovations. A longer term does however provide comfort in knowing you will have
$100,000 mortgage with 25 year amortization Interest Rate
Total Payments Total Interest Costs
a set payment amount for the agreed term.
This column, written and published by Investors Group Financial Services Inc. (in Québec – a Financial Services Firm), and Investors Group Securities Inc. (in Québec, a firm in Financial Planning) presents general information only and is not a solicitation to buy or sell any investments. Contact your own advisor for specific advice about your circumstances. For more information on this topic please contact your Investors Group Consultant.
If the longer term doesn’t work for you, another option is to take a shorter term mortgage at a cheaper rate and accelerate your payments by making payments based on the higher rate. By adding as little as $25 extra a month to your payments, you will generate significant interest savings. Add in a mortgage lump sum prepayment option and you’ll have a smaller balance and be less impacted by any increases in interest rates at time of renewal The type of mortgage, term and amortization period you select should be affordable within your monthly budget and fit with your longer term plans. Avoid stress and enjoy a calm financial future by talking to your professional advisor today.
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OCTOBER 2013 insight S11
n August 2009 when the five co-owners of Kami Cabs took charge of the reins of the business their main motto was team work. After four years in the business – Sukhwinder Sohi, Harman Kang, Ranjiv Mattu, Jagwinder Sandhu and Makhan Khunkhun- strong pillars of the business still hold fast to the same motto. Locally owned Kami Cabs has been an integral part of transportation in town. The co-owners lay emphasis on best service. Kami cabs was originally started in 1973 and this is their fifth ownership since than. One of the highlights of the company is environment friendly vehicle with track safety record. “We have environment friendly vehicles like Toyota Prius Hybrid and Toyota Corolla,” said Satinder Mann, general manager, Kami Cabs. “Approximately 80 percent of our cars are five
years old or newer. We also have a wheel-chair accessible car.” Mann also stresses on the point that during the semi-annual inspection by the City of Kamloops their fleet of cabs have always done well. “With 24- hours taxi and delivery service, our distinctive blue and white colors cabs can be spotted throughout the city, said Mann. “You can count on our service for your car break down, your vehicle needs a charge boost, you need food or liquor delivered, package or parcel delivered local or out of town.” The owners and staff stand united on supporting the community. “Company owners have always encouraged supporting the community,” added Mann. “The best part is even our staff is with us on this. We are involved in events for Thompson Rivers University, City of Kamloops and for various golf fundraisers we provide free riders to golfers.”
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S12 insight OCTOBER 2013
Sid Kandola of City Furniture
Indian family business at the heart of B.C. franchise By Larkin Schmiedl
id Kandola moved all over B.C. to find success, and after 25 years in Kamloops it looks as though he’s found it. Immigrating from India in 1981, Kandola first landed in Dawson reek in Northern B.C., and found himself driving a delivery truck and managing warehouse inventory for City Furniture’s then-new second location.
“I would say I had two years on the floor. Then... when I had learned mostly from the bottom how deliveries worked and how sales worked, (I managed) the whole thing.” His next step was to take over a small store in Tumbler Ridge, B.C., population about 4,000 at the time. He spent a year at the new branch located in the small Northern municipality, which had only been incorporated as a municipality two years prior. At this store he learned how to hold his own as a manager.
“I knew everything, so I (could) run a store,” he said. Kandola had family connections in the business, with his uncle Ray Kandola being one of the original three founders of City Furniture in Prince George. And it remains a family business, with the families of the three original founders owning and managing many of the 22 branches City Furniture now has across B.C. and Alberta. Sid Kandola’s family is no exception. After an arranged marriage with his wife in ‘84, the two began their family, having the first of their two sons in ‘85. Kandola said his wife first focused on looking after the kids, and when they began school, she started helping him with the business. The couple’s sons were born in Dawson Creek, but moved to Kamloops as young children. This is when the Kandolas became a part of the Kamloops community. “In ‘88 I drove in B.C. and started
looking all over, starting from actually Cranbrook to Penticton, Kelowna and Kamloops,” said Kandola. He was looking for markets to sell furniture and for buildings to sell it from.
Sid Kandola (left) and his wife Ranjit and sons Nav (right) and Paul are, in a sense, the foundation of his City Furniture business.
“I came to Kamloops and I found a building on Oriole Road and made a deal on that in 1988 in August. We started the business in October of 1988.” After 15 years at that location Kandola built the present store in 2004, located at 1350 Hillside Dr. “We’re very proud to be part of Kamloops for almost now 25 years.” And the couple’s sons will be returning to Kamloops as adults, after finishing university recently at Thompson Rivers and UBC respectively. “Once they settle down and have a family, they will be becoming part of
running the store so I can take it easy, and maybe we’ll expand with another location and one of them can look after that.”
you want to keep climbing and keep building you have to stay on top everyday to have your things in place to make sure everything (is running).”
As the franchise owner in Kamloops, Kandola says he still loves to work. And his favourite part is not the paperwork – he loves working with people.
To keep this happening Kandola spends time setting up other stores and doing buying and marketing for them along with his uncle and brother.
“When you’re doing (something) so long, you feel so comfortable and dealing with people is so much fun.
And if other family members come he says he’s happy to get involved in helping them start a location.
“When you get to that space where you want to have a dream, a successful business you’re running, and you want to make sure it keeps going; when you sit back and sort of take it easy it doesn’t take long for things to go downhill. If
“We want the City Furniture to grow, and that’s our dream. Starting from one store, and now with family help, we are 22 stores of family and friends in 37 years.”
CAREERS cook / Chef By Larkin Schmiedl
t's an age-old profession and it's always available. In fact in B.C. the need for skilled cooks and chefs is growing. As tourism becomes a stronger part of the economics, particularly in Southern B.C., more and more cooks are going to be needed.
“There's a huge labour shortage for cooks right now, so basically anybody that finishes our culinary program, everybody's employed; 100 per cent, if they want to stay in the industry,” said Ed Walker, who chairs Thompson Rivers University's (TRU) culinary arts program. The program, like the other culinary arts programs in the province, prepares students two do entry-level work. The pay is not glamorous to begin with, but according to Walker an executive chef makes upwards of $100,000 a year. “It's not like other trades where they're going to start off at $30 an hour... that takes a little while,” he said. After leaving a program like TRU's, students can expect to earn between $12 and $18 an hour.
training. The red seal program was established 45 years ago to provide greater mobility for skilled workers to move between provinces. After getting a red seal, the road to becoming a chef means working in the right places and moving up through the ranks, said Walker. According to the official job description on WorkBC, chefs “plan and direct food preparation and cooking activities and prepare and cook meals and specialty foods.” This can be done in the obvious places like restaurants, but also in hospitals, on ships, in clubs, in hotels and so on. Creativity, a good sense of timing, and orientation toward detail in food are crucial skills, as is the ability to manage kitchen staff in a way that motivates them. Good communication skills are important. Cooks, as opposed to chefs, fill positions such as grill cook, first cook, short-order cook, line cook, etc. Cooks need good organization skills and the ability to work under pressure.
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“A chef as an official title is basically the person who's running the kitchen,” he said. One route to becoming a chef is to take formal training through courses, and rack up industry work hours between schooling, much like in any other trade. The process takes a few years. “Once they have 2,000 hours they can come back and take their technical training for their cook three. Once they have 5,000 hours then they will get their red seal,” Walker said. A red seal is a Canadawide recognition that a tradesperson has achieved a certain level of
Places to train as a cook in B.C. include Selkirk College in Castlegar, the College of the Rockies in Cranbrook, North Island College on Vancouver Island, and culinary arts programs at Okanagan College, University of the Fraser Valley, Vancouver Island University in Nanaimo, UBC, Pacific Institute of Culinary Arts and the Art Institute of Vancouver, and more.
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OCTOBER 2013 insight S13
Life & Culture S14 insight OCTOBER 2013
Entertainment ~ Food ~ Fashion ~ Celebrations ~ Health & Wellness
Ski some seriously beautiful terrain at Whitewater Ski Resort, a half-hour from Nelson. -Photo credit Doug LePage, courtesy of Nelson Kootenay Lake Tourism
Canadian travel destination
land of hot springs, mountains and snow By Larkin Schmiedl
wirling hot mineral water emanates from a pool deep in the forest, as you sink your body down into it and breathe in the smell of fresh trees. Maybe you've driven down a small dirt road to get here. Maybe you're right beside a tiny winding highway leading to the middle of nowhere – paradise. This is the Selkirk Mountains. Within 100 km of the charming mountain city of Nelson can be found this large handful of hot springs, as well as world-class skiing, caving adventures and one of the most bustling arts scenes in a town this size anywhere in B.C. Population 10,230, Nelson is a gem sitting on the Western arm of Kootenay Lake, by highway 460 km from Kamloops, 347 km from Kelowna and 663 km from Vancouver. Most tourists come here in the winter for the charm and for the skiing. The resort of Whitewater is a popular destination for alpine adventures, and so are the backcountry mountains where catskiing, heli-skiing and ski touring happen a-plenty. “The Nelson area is considered by many to have some of the best skiing and snowboarding conditions on the North American continent,” says Discover Nelson's website. “Known from its deep champagne powder,” according to Destination BC, Whitewater resort is only a half-
hour drive from downtown. And in the city itself, cross-country skiers find a paradise all their own. Old railway track beds that serve as a mountain biking network in summer operate as cross-country ski trail haven throughout the snowy season, allowing nordic skiers to glide all the way to nearby towns in an afternoon. There are more nordic ski trails at Whitewater and in Kokanee Creek Provincial Park as well – if you go up the road you can also see a glacier. And the weather couldn't be more perfect. With up to 12.7 m of average snowfall per season and winter temperatures that usually fall right around freezing, it's basically as warm as it can be and still have snow. Nelson is much warmer in winter than most of B.C., and celebrates four distinct seasons. Gorgeous fall colours line the mountains in autumn, and hot summers make for perfect swimming weather. And then there's the personality of Nelson itself. “Home to an eclectic mix of old Nelson families and urban refugees, this vibrant Victorian town also boasts hundreds of well-preserved heritage buildings, a crazy number of good restaurants, bustling coffee shops, retail stores, and no shortage of sidewalk cafes,” says Destination BC. “During the Vietnam War, many American draft dodgers settled in Nelson and the surrounding area. This influx of liberal, mostly educated young people had a significant impact on the area's
cultural and political demographics,” says Wikipedia. And it shows. Nelson area has tons of organic farms and market gardens, and one of the largest natural food co-ops to be found in a city this size anywhere. Downtown businesses, besides being artistic, creative and original, showcase an underlying cultural current of progressive liberal thinking. And whether that's your schtick or not, downtown is bustling with unique shops, restored heritage buildings, and art. “Nelson has been named as the 'best art town' in Canada by author John Villani,” says Destination BC. Downtown Baker Street hosts a number of art galleries and other performance art venues. And the hot springs – along with these and the mountain beauty comes a culture of spas and places to unwind and care for the self and spirit. “The hot spring experience in B.C. can range from a developed pool with amenities and towel service, to a rock-lined pool surrounded by trees and a rushing river,” says Destination BC. “A large number of British Columbia's hot springs are found in the Kootenay Rockies.” A few of these include Ainsworth Hot Springs Resort, located 50 km north of Nelson and boasting three pools. Ainsworth, like many hot spring resorts, can be visited by the day or by the dip ($20 and $12 per adult, respectively), and is open 365 days a year. Nakusp Hot Springs can be found 14 km north of nearby
From the top: Kootenay Lake, Nelson. -Photo credit Phil Best, courtesy of Nelson Kootenay Lake Tourism Wander into a hot spring cave at Ainsworth. -Photo courtesy of Ainsworth Hot Springs Resort Fall view of one small part of Nelson and the surrounding mountains. -Photo credit Phil Best, courtesy of Nelson Kootenay Lake Tourism Downtown Nelson. -Photo credit Phil Best, courtesy of Nelson Kootenay Lake Tourism
town Nakusp, and Halcyon Hot Springs are a bit further up the road, 32 km north of Nakusp. In the Selkirk Mountains, beauty and relaxation are almost inevitable. Located on the traditional territories of the Sinixt and Ktunaxa
peoples, the landscape truly is an inspiration. Whether a visitor comes to relax, get active, take in the scenery outdoors or the arts scene on the street, visiting Nelson any time of year is sure to be a pleasure, with a rotating set of adventures available in any season.
S15 insight JULY 2013
OCTOBER 2013 insight S15
Life & Culture
Eric Pierce T
he first time Eric Pierce rode through the Okanagan on his motorcycle, he knew he'd be back to live in Penticton one day.
The industrial sales veteran hails from Toronto, and recently began working with Waycon Innovation as a manufacturer's representative about a year and a half ago. Waycon Innovation is a branch of Waycon Manufacturing, a 25-yearold company that specializes in custom manufacturing of a wide range of forestry, mining, oil and gas equipment. “At first (it started with) changing excavators over to forestry harvesting units,” says Pierce. “That's really where they started was in the heavy manufacturing side.” Pierce himself deals more with a B.C. homegrown industry – cherries and fruit packing.
A typical day in his work life begins by visiting farmers in B.C.'s Interior.
electronic sizer. Just last year the company began installing it.
“I'll go around to the packers, who are typically farmers, (and visit) the cherry orchards.”
“(Packers) like to size (cherries) and be able to keep the big ones with the big ones and the small ones with the small ones, for different markets.
Working from scratch with farmers who want to get into packing, Pierce will help create a custom-made plant. “While there are those pieces of equipment you see, each piece is customized to a certain extent.” Waycon does entire plant layouts, or individual machinery to prepare, convey, cool and process fruit. For example the company builds a hydro-cooler that takes fruit down to just above zero degrees Celsius, so that when the fruit goes into a box it keeps well for shipment overseas. With 15 years experience building packing lines, there are a number of specialized machines Waycon has developed. One of the newest is an
with those pictures the computer determines what size it is, what colour it is and if there are any defects in it.” Competing with companies from France, Italy and New Zealand, Waycon has had to stay on its toes.
“The cherry business in B.C. is big... I've heard numbers of about $30 million is what is produced here.” 'They used to do that mechanically... with the roll sizers, so it was a twodimensional way of measuring the fruit. Now everybody's going to a computer system where each cherry is pictured about 30 times, and then
”The cherry business in B.C. is big... I've heard numbers of about $30 million is what is produced here.
“For the longest time B.C. Tree Fruit was the one that would do all the packing, and nowadays there's more independence coming on, so small independent packing lines are being built all across the Okanagan.”
“There's a bit of a shift happening in the marketplace away from the B.C. co-operative packers,” says Pierce. Many growers are buying more land and starting to move toward packing their own fruit. With a staff of about 70, Waycon Manufacturing is run by a man named John O'Connell and is located at 275 Waterloo Ave. in Penticton. To get in touch with Eric Pierce, email email@example.com, or visit the company's website at www. wayconcanada.com.
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“We compete right here in the Okanagan with international suppliers,” says Pierce. But Waycon is the largest supplier to B.C. fruit packers.
That's good news for Waycon and Pierce. He says some packers will pack only their own fruit whereas others will pack for other growers as well. There are changes afoot in the fruit industry in B.C. and only time will tell where the current trend will lead.
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S16 insight OCTOBER 2013
Life & Culture
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This is not a good time to take on new plans or projects -- even a first date should be rescheduled, if possible! You just need to focus on the past, and that’s not conducive to novelty.
You’ve got too much going on today -- it may seem as if you’re juggling one ball too many! Just take a deep breath and press on, or try to get a friend to help you lighten your load.
You may not feel like leaning on others’ shoulders, but you’ve got to make sure that you’re telling your problems to at least one close friend or coworker. It’s a good day to get the help you need!
Your creative juices are flowing -- so make sure that you’re putting them to work! It’s a good day for you to wrap up your old projects and get a head start on the next chapter in your life.
You may misunderstand something that seems like a big deal, but turns out to be more of a tempest in a teapot. Try to be skeptical of your urge to panic -things are not as bad as they may seem.
This isn’t a great time to launch new projects or try to generate momentum -- you’re slowed down by a thousand tiny obligations. Take care of as many of them as you can, and things may speed up tomorrow.
It’s a really good day to trust your instincts -- but don’t forget to dig up all the facts as well! You may not be on top of your game, but your brain is still a vital asset to you.
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AQUARIUS Your bank statement might not tell you the whole picture, so try to spend as conservatively as you can today. It’s just way too easy for you to blow past your limits, and nobody wants that!
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OCTOBER 2013 insight S17
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S18 insight OCTOBER 2013
Life & Culture
Spice it Up! By Rajeshwari Rajimwale
f you have grocery shopping on your “to do list” for this month, you owe yourself a trip to the East-Indian spices and grocery section at the Safeway.
Located at 945 W Columbia St, the store was started in 2004 and since then the East-Indian spices and groceries segment has seen gradual expansion. The store offers ready-to-eat prepared meals, fresh produce, legumes, canned foods and large variety of spices. “India is a vast country, said Shaun Sidhu, manager Safeway. “We have tried to have spices and ready-to-eat prepared meals from Mumbai, Punjab to South India.” Sidhu states that Indian groceries and spices have grown in popularity with the demand for Indian cuisine in North America. “Butter chicken has been a favorite among foodies,” said Sidhu. “For
different parties the theme is sometime East-Indian food. Plus a large number of people want to experiment with cooking at home. Our section helps them find the right ingredients.” Shaun started working as a clerk at Safeway, Vancouver in 1999. In 2007 he was appointed as Assistant Manager in Vancouver and in 2010 he took charge of the Kamloops store. “Our staff is well trained in all the sections of the store,” added Sidhu. “A well-informed and knowledgably staff provides as a blessing especially if you are lost in midst of 10 different varieties of spices.” According to Shaun with the number of students growing and proximity to Merritt, demand for Indian grocery and spices is always going to be high. “Kamloops is seeing a slow transition,” said Sidhu. “We are always trying to expand our spices section to accommodate this requirement.” Sahali Safeway First Assistant Manager Shaun Sidhu.
PENTICTON Kia By Larkin Schmiedl
hat Canadians now know as Kia Motors actually began as a small manufacturer of bicycles and steel tubes in the '40s and '50s. It wasn't until 1969 that the company built its first car, and it's since come a long way. Penticton Kia is one example. With a full-time staff of 20 after just four years in business, Penticton Kia has got a full parts and service department, as well as a financing department. And it received a top-10 ranking from J.D. Power and Associates recently for quality. “J.D. Power and Associates are considered the go-to guys in the car business as far as ratings,” said Ken
Demontigny, sales manager at the dealership. “They do a lot of surveying with customers directly after they've purchased their vehicles. “(We) were rated higher than Mercedes, Audi and Cadillac, and BMW for initial quality.”
website says. The Canadian headquarters is located in Mississauga, Ont.
It's impressive for such a new manufacturer. According to Kia's website, the corporation is part of the HyundaiKia Automotive Group, the fourthlargest automaker in the world. Its worldwide headquarters are in Seoul, Korea, and Kia operates in 155 countries. “A large part of Kia's global success is an understanding of the importance of producing vehicles that meet the needs of individual markets,” the
Back at 550 Duncan Ave. in Penticton, Demontigny says his dealership is proud to have one of the highest customer satisfaction indexes in all of British Columbia amongst Kia dealers “We strive very hard to give the customer a really pleasant shopping experience, and we try not to pressure anybody, and just inform them with the information they require.”
Owners David and Joanna Newman, who own Penticton's Skaha Ford as well, opened up the branch when they realized after nearly 30 years in the business there was a need for another import store in town. Kia was looking at the time for a dealer to open a store in the area according to Demontigny.
specially equipped with features like snow tires, heated seats, steering wheels and mirrors, and remote start. The dealership is also offering large incentives on the hybrid Optima model, for example a $6,600 rebate which brings the car into the $25,000 range. Demontigny said that makes it very affordable for a hybrid.
Right now the dealership is hosting Kia's zero compromise sales event, with zero per cent financing on selected models. And the Newmans are also running their 'winter ready' program, highlighting vehicles
Kia's company slogan, 'The Power to Surprise,' points to what the corporation calls its commitment to innovation. Perhaps the Penticton dealership will have a few surprises up its sleeve in the near future.
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Bi-weekly for 60 months, amortized over 84 months with $0 DOWN PAYMENT. Offer includes delivery, destination, fees and $900 LOAN SAVINGS. Offer based on 2013 Rio5 LX MT with a purchase price of $15,650.
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Offer(s) available on select new 2013/2014 models through participating dealers to qualiďŹ ed customers who take delivery by October 31, 2013. Dealers may sell or lease for less. Some conditions apply. See dealer for complete details. All offers are subject to change without notice. Vehicles shown may include optional accessories and upgrades available at extra cost. All pricing includes delivery and destination fees up to $1,665, other fees and certain levies (including tire levies) and $100 A/C charge (where applicable) and excludes licensing, registration, insurance, other taxes and variable dealer administration fees (up to $699). Other dealer charges may be required at the time of purchase. Other lease and ďŹ nancing options also available. **0% purchase ďŹ nancing is available on select new 2013/2014 Kia models O.A.C. Terms vary by model and trim, see dealer for complete details. Ížâ€œDonâ€™t Pay Until 2014â€? offer (90-day payment deferral) applies to purchase ďŹ nancing on select new 2014 models. No interest will accrue during the ďŹ rst 60 days of the ďŹ nance contract. After 90 days, interest accrues and the purchaser will repay both the principal and interest monthly over the contractâ€™s term. &Bi-weekly ďŹ nance payment O.A.C. for new 2014 Rondo LX MT (RN551E) based on a selling price of $23,460 is $125 with an APR of 0% for 84 months, with a remaining balance of $0. Offer includes loan savings of $750. Bi-weekly ďŹ nance payment O.A.C. for new 2014 Sorento 2.4L LX AT FWD (SR75BE)/2013 Rio5 LX MT (RO551D) based on a selling price of $28,460/$15,650 is $156/$81 with an APR of 0% for 60 months, amortized over an 84-month period. Offer includes loan savings of $0/$900. Estimated remaining principal balance of $8,131/$4,214 plus applicable taxes due at end of 60-month period. Retailer may sell for less. See dealer for full details. â€Ą$2,500/$2,500/$2,000 cash savings on the cash purchase of an eligible new 2014 Sorento 2.4L LX AT FWD (SR75BE)/2014 Rondo LX MT (RN551E)/2013 Rio5 LX MT (RO551D) from a participating dealer between October 1-31, 2013, is deducted from the selling price before taxes and cannot be combined with special lease and ďŹ nance offers. Some conditions apply. 6Model shown Manufacturer Suggested Retail Price for 2014 Sorento 3.3L EX AT AWD (SR75HE)/2014 Rondo EX Luxury (RN756E)/2013 Rio5 SX with Navigation AT (RO759D) is $34,195/$32,195/$23,750. Ă‡Highway/city fuel consumption is based on the 2014 Sorento LX 2.4L GDI 4-cyl (A/T)/2014 Rondo 2.0L GDI 4-cyl (M/T)/2013 Rio5 1.6L GDI 4-cyl (M/T). These updated estimates are based on the Government of Canadaâ€™s approved criteria and testing methods. Refer to the EnerGuide Fuel Consumption Guide. Your actual fuel consumption will vary based on driving habits and other factors. The Kia Winter-Ready Package is available on a limited number of 2014 Forte SE (FO74SE)/2014 Rondo SE 5-seater (RN75SE)/2014 Rondo SE 7-seater (RN75TE)/2014 Sorento SE FWD (SR75SE)/2014 Sorento SE AWD (SR75TE) at extra cost. Dealer order may be required. Other Winter Accessory packages can also be installed at your dealership on select in-stock 2013 and 2014 Kia models at extra cost. These may vary by dealer due to availability; while supplies last. Winter Accessory Packages may include: winter tires, block heater, remote starter and/or winter ďŹ‚oor mats. Content may vary by dealer. Offer ends October 31st, 2013. Information in this advertisement is believed to be accurate at the time of printing. For more information on our 5-year warranty coverage, visit kia.ca or call us at 1-877-542-2886. Kia is a trademark of Kia Motors Corporation.
ON THE SPOT FINANCING
S20 insight OCTOBER 2013
ON IN I T A C O NEW L
A N W O L E K T S WE
ALL CITY FURNITURE LOCATIONS ARE CELEBRATING THE OPENING OF OUR WEST KELOWNA LOCATION! $749 RECLINING RECLINING CONSOLE CONSOLE LOVESEAT LOVESEAT
DURAH IDE SOFA
RECLINER RECLINER CHAIR CHAIR
3PC RECLINING SOFA SET
7 PC MANGO WOOD TABLE WITH 6 CHAIRS
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