Peslléwten - April 8, 2022
Issue. 10 - úpekst
Peslléwten "Snow melt"
The Secwepemc L.I.F.E. Online Newsletter is a free online newsletter published for Secwepemcúl̓ ucw (Shuswap Nation); connecting, celebrating and bringing more awareness to opportunities for Indigenous entrepreneurs within our Nation. The Secwepemc L.I.F.E. Newsletter invites stories, comments, photos and any other information relevant to business, entrepreneurship and economic development that would be of interest to our readers. Our goals for this online newsletter are: To share advice/stories/articles from Indigenous Entrepreneurs/Executives with business skills & expertise Share entrepreneur/business education and training programs/opportunities Share stories about Secwepemc life and wellness Assist in development of Nation/Community entrepreneur support/awareness & to create connections and resource sharing in our communities Promote entrepreneur/business events throughout the Nation Share and promote a wide range of entrepreneur/business resources
IN THIS ISSUE Part 2: Words of Advice from an Indigenous Business Owner
Julie John: NACCA Female Entrepreneur Role Model
Entrepreneur Profile Steven Teed
Secwepemc LIFE Vision & Mission Vision To create a safe space that promotes Indigenous entrepreneurs and businesses to be abundant and successful by inspiring and uplifting one another.
Entrepreneur Profile Jessica Johnny
Mission Sharing stories, resources, and opportunities by providing free online content that supports our nation to normalize Indigenous wealth
In the news...
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Part II: Words of Advice from an Indigenous Business Owner By Julie John
One area that I struggled with in the REAL world of running my own business was after I was done school and left on my own! I had no clue about the government, applying for and paying GST/PST, applying for and paying source deductions, etc. I do not recall being taught about this stuff when I was in school. Yes, I learned about accounting, reading reports, budgets, stats, and economics but not about the government.
GST/PST got me into a lot of debt. I did not know that once you reach a certain amount in your business ($30,000 a year) then you must apply for GST/PST. I did not know that once you applied for GST/PST you must start remitting and paying the government. To pay these bills, you need to be making a profit/revenue in your business. As a solopreneur drowning in debt, I did not have money to pay. I was choosing which bills to pay each month because I was not creating enough revenue to pay for all the bills. And as I hid away, doing my best to avoid this issue, I did not know it was adding up because I was not doing any remitting. Source Deductions, same thing. I registered for source deduction to pay employees, to have staff. One thing to pay them, another to have to put money away for their source deductions on top of their wages. What do source deductions consist of? Canada Pension Plan (CPP) Contribution, Employment Insurance (EI) Premiums, Federal, Provincial, or territorial income tax. After I closed my giftshop, I failed to close all these accounts with the government and did not know I had to.
What they do not teach you in business school And to close these accounts, they must be paid in full. Because I just left it, these accounts kept piling up debt each month. To the point, my personal bank accounts were frozen because I owed GST. I had to scramble to get this paid because all my payments and deposits were done through my bank account. This was so scary, and again embarrassing. I did manage to beg and borrow to get this paid off so I could access my bank accounts and not incur further debt with NSF. With the PST, my payments kept adding up each month and I had no clue. Plus, I chose to ignore it because I had no money to pay. I had over $30k to pay back and this freaked me out. When I finally mustered up enough courage to deal with this situation, I spoke to the nicest person on the other side who helped me out tremendously. She guided me toward what I needed to do to deal with my account.
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Peslléwten - April 8, 2022
I had to submit zero remittance for each month after I closed my shop. I submitted for each month, and at the end of the day, she sent me a new invoice to the amount of $81 or something ridiculously low. I rushed to the bank and paid in full. What a HUGE relief. It was a huge weight off my shoulders and I laughed at myself. I lived in fear of this for the past 3 years, when I finally faced it, it was not even as bad as I thought it would be. In my mind, I seriously thought I would go to jail or something.
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So, my advice to you, if you do not already know, add GST/PST and Source Deductions into your budget. Hire a bookkeeper to help you out if you need help. As a young entrepreneur, first starting off, I wish I had known I can ask for help instead of trying to do it all on my own. But one of my greatest lessons with debt, is to just deal with it! Do not hide under the covers hoping it will go away because it will not. Do not live in fear and anxiety, pick up the phone and start planning to pay down your debt, and at the same time fix your credit.
Julie John featured as a NACCA Female Entrepreneur Role Model Julie John is the owner of Be Inspired! Events and Event Planning and Be Inspired Gift Shop in Chase, BC. Julie works with Indigenous communities and organizations to help them coordinate and facilitate events. She was drawn to event planning by the inspiring speakers she heard at other events and a desire to facilitate this ability to influence and change people’s lives. Julie is an advocate and supporter of other Indigenous entrepreneurs. To learn more about Julie John's story, and those of our other inspirational Female Entrepreneur Role Models, please visit nacca.ca/resources/iwe The Secwepemc L.I.F.E. Newsletter is copyrighted and may not be reproduced in whole or in part without the written consent of the publisher.
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INDIGENOUS BUSINESS LISTINGS Touching Souls Healing Arts
Wolf Pack Contracting
Website grayfawn51@yahoo.com 204.804.3632 FB: @touchingsould51
Website benjamin.cardinal@hotmail.com 780.240.0351 FB: Wolf Pack Contracting
4 Generations Creations
Chief Technology
Website IG @4generationscreations FB @4generationscreations TikTok 4generationscreations
Video Production & Editing Email duckchief4403@gmail.com 250.320.6682 chieftechnology.ca
LIVN & GIVN Design Company
In My Defense
Website info@livn-givn.com IG @wearlivngivn FB: Livn & Givn Design Company Ltd.
Fashion Speaks International fsimodels@gmail.com FB @fsimodelsandtalent
Website inmydefenseofficial@gmail.com IG @official.inmydefense FB: In My Defense Keychains
Fireweed Wellness Products Email fireweed4u@pm.me Products sold at 632 Shuswap Ave, Chase, BC
Up the Hill at Loakin Botanicals
Nail Junkiez
Website juneareeves@upthehillatloakin.com FB @www.UPTHEHILLATLOAKIN2016 @up_the_hill_at_loakin
karina.nailjunkiez@gmail.com FB: Karina.NailJunkiez
Support Indigenous Businesses in Secwepemcúl̓ ecw The Secwepemc L.I.F.E. Newsletter is copyrighted and may not be reproduced in whole or in part without the written consent of the publisher.
Indigenous Entrepreneur Profile 2022
Delicious Business Catering & Green Future Industries
Website
Green Future Industries
Delicious Business Catering Green Future Industries
Email steven.r.teed@gmail.com
Steven Teed (Cstélen – Adams Lake) is a Secwepemc entrepreneur with two businesses - Delicious Business Catering and Green Future Industries. Delicious Business is in the “business of making things delicious”! Steven and his partner, Monika, started Delicious Business Catering after meeting and both attending culinary school at the SAIT in Calgary, AB. They offer formal to casual catering and planning for events, community functions, and in-home catering needs. From large scale functions of up to 1500 to individual meals for community members, Chefs Steven and Monika offer affordable services to fit anyone’s catering needs in the Shuswap and even Kelowna. Over the years, Steven recalls some of his most memorable catering events such as catering on a private sailboat, catering for elders at Roger’s Pass military base, and catering for elders off the grid at Mount Revelstoke. Another memorable event was Adams Lake’s buffalo celebration community dinner. Steven also offers consulting services such as designing menus, creating operating procedures, kitchen design consulting, and more. Steven also owns Green Future Industries, an agricultural business specializing in hemp as a renewable and sustainable resource. Based on the importance of Indigenous values, Green Futures promotes an alternative approach to business that values honesty, sustainable development, respect for the land, and a communitycentered approach. Steven manages 450 acres of organic hemp production, cultivating hemp seed protein with a focus on fiber while looking at developing sustainable building materials in Indigenous communities. In addition to this, Green Future Industries offers agricultural consulting services. One of the biggest challenges as an Indigenous entrepreneur is financing, especially when land is on reserve and not considered an asset. Investors have been hesitant to step into the hemp industry as it is not considered the “norm”. However, reinvesting has helped overcome this obstacle. Success for Steven is doing something he loves, he is passionate about good food and environmental sustainability. He enjoys cooking for Elders the most. Moving forward, Steven envisions expanding into organic food production, using these resources in the catering business while incorporating traditional foods. Eventually Delicious Business Catering anticipates expanding into a food truck. When it comes to being a business owner, Steven advises, don’t be afraid to just do it, take action, work hard and get paid what you are worth by recognizing the value of what you offer.
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Support Indigenous Led Non Profit Organizations Wumec r Cqweqwelutn-kt Community Society
Indigenous Led Non-Profits
Wúmec r Cqweqwelútn-kt Community Society offers Secwepemc language classes through an Intergenerational Secwepemctsin Learning Model. Over the past year, classes have been offered online, opening up opportunities for Secwepemc people across the country to learn their language. The team at Wuméc r Cqweqwelútn-kt also recently published an accompanying book "Secwepemctsín 1 Songs and Supplementary Activities and Games" for families to engage in multigenerational practice through fun language learning activities such as games, songs, and Q&A. For questions or interest in upcoming courses, contact Dr. Janice Dick-Billy at jrdickbilly@gmail.com
Secwepemc Foodlands Conservation and the Cwelcwelt kuc Garden
The Secwepemc Foodlands Conservation project is doing research and engagement on how Secwepemc hunting, fishing, farming and gatherings are strategies for health, healing and responding to climate change, COVID-19 and the overlapping social issues. The project extends out from the Cwelcwelt kuc (“we are well” in the Secwepemc language) garden located on Neskonlith IR #1 where the Secwepemc chapter of The Working Group on Indigenous Food Sovereignty (WGIFS) is developing plans and proposals for the establishment of a Secwepemc Foodlands Conservation Area (SFCA).
textsín̓ tiger lily
Indigenous Entrepreneur Profile 2022
Jessica Johnny Beaded Jewelry
Contact Jessica for custom beadwork!
Facebook https://www.facebook.com/groups/51123 2546286039/ Phone 778.694.9127 Instagram @jessicajohnny01
Jessica can bead just about anything. Specializing in flat beadwork, Jessica creates earrings, medallions, lanyards, pendants, keychains, beaded purses and wallets and can bead just about anything with custom orders. Jessica started beading as a teenager when she noticed the beautiful beadwork at powwows that ignited her desire to bead. Jessica sought out teachers and learned to bead by dedicating her time to an art she found immensely enjoyable. After her first hair set for a jingle dress was completed, Jessica began to sell beading. She made moccasins, leggings and regalia work for jingle dress dancing. She was an entrepreneur at a young age. Jessica is known around these parts for her beading, often contracted to create pieces by the local bands and as far out as Enderby to create custom beadwork. Jessica loves the art of beading and bringing to life beautiful creations. Next, she looks forward to beading adorned sneakers and beaded hat rims. One of the challenges of being an artist has been overcoming self-doubt about the quality of work. Jessica has gained confidence over time, pushing herself to continually improve and evolve with her work. The work itself is healing, Jessica has found beading to be good for mental well-being, calming her down, relieving anxiety and stress when she is overwhelmed with life. Her biggest success is getting her name out there as a beadworker in a positive way. Having her work remembered and recognized from years ago has been rewarding and encouraging. Indeed Jessica is known around Secwepemcul’ecw for her beautiful beadwork.
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STATISTICS
400+ A Chosen Journey RBC's partnership report celebrates Indigenous successes and affirms RBC Royal Bank’s commitment to the Indigenous community. https://www.rbc.com/indigenous/a-chosen-journey.html
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750+ Social Media Followers
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CURRENT EVENTS, PROGRAMS & RESOURCES FOR ENTREPRENEURS Native Women Lead: 2021 Impact Report Read about the good work this organization is doing to revolutionize and inspire innovation by investing in Indigenous women in Business and Leadership
Indigenous Women Entrepreneurship Fund The Indigenous Women Entrepreneurship Fund is a micro-finance program open to Indigenous women-owned businesses who may lack access to conventional financing.
Activating the Financial Infrastructure of the 100 Billion National Indigenous Economy The Indigenomics Institute is inviting Indigenous leaders, Indigenous businesses and organizations, government, educational institutions, private industry, policy makers and corporations to this conference on May 19 - 20th, 2022 at the Westin Bayshore in Vancouver, BC Canada.
Shop First Nations Guide to Social Media Advertsing A guide on social media advertising for Indigenous business needs featufing information on setting advertising budget, social media platforms, reaching new Indigenous consumers, campaign strategy and objectives and more.
Tourism Relief Fund in BC "Indigenous tourism projects are important to Canada’s economic recovery efforts and a priority under the Tourism Relief Fund. Under the fund, a minimum of $50 million will specifically support Indigenous tourism initiatives. Contributions to Indigenous entities (not generating profits) will normally be non-repayable. Indigenous applicants are invited to apply through the process described below"
Indigenous Women’s Entrepreneurship Program NACCA and AFIs Celebrate International Women’s Day with the Launch of the Indigenous Women Entrepreneurship (IWE) Program
RBC Financial Literacy for Indigenous People The RBC Financial Literacy for Indigenous Peoples Course was created in response to calls from residential school survivors and First Nations youth who recommended financial training as a means to maximizing the benefits of financial compensation. Course content will share the information you need to make informed decisions and help you achieve lasting financial well-being.
Vancity Unity Women Entrepreneur Program Unity Women Entrepreneurs Program offer loans to self-identified woman or non-binary individual. Whether you are just starting out or trying to grow your business, you can tailor your support program to meet your unique needs with access to a resource library and opportunities for networking and advice from experienced mentors.
The Secwepemc L.I.F.E. Newsletter is copyrighted and may not be reproduced in whole or in part without the written consent of the publisher.
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In the News... Tk’emlups artist who designed special Blazers logo inspired by uncle’s Indigenous story
New life and a big redevelopment is underway at the old Merritt rest stop site
Laura Saul's logo design, based on a Secwepemc tseptékwle (traditonal story), chosen for special commissioned Blazer's jersey. Photo credit: CFJC Today
Photo Credit: Kelowna Now
Economic development in Merritt: 5 Nicola Valley First Nations partner up on a large commercial and retail redevelopment in Merritt.
Maclean's 2022 Power List
Maclean's Power List of 50 honours the thousands of Indigenous children who never came home from residential schools. Several Indigenous leaders are represented on the list including Tk’emlúps te Secwépemc Chief Roseanne Casimir.
Skeetchestn to build museum and traditional pit house
A new facility honouring local Indigenous history will rise on band land west of Kamloops.
Carol Anne Hilton Nation Builder of the Year
Carol Anne Hilton, Hesquiaht of Nuu chah nulth, chosen as a NACO Nation Builder celebrating business leaders driving positive change.
A Message from Bonnie Thomas, daughter of Dr. Mary Thomas: I am working with Deborah Chapman to develop a display in the Salmon Arm Museum/Haney Heritage, to honour my Mother and all that she connected with. Kukstsemc to all.” If you or someone you know was connected to Dr. Thomas, please contact Bonnie directly by calling (250) 463-2855. The Secwepemc L.I.F.E. Newsletter is copyrighted and may not be reproduced in whole or in part without the written consent of the publisher.
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BE INSPIRED! Indigenous Gift Shop 632 Shuswap Ave, Chase, BC
Be Inspired! Gift Shop is an Indigenous owned and operated business. We offer gifts from local Indigenous entrepreneurs and Indigenous designed items. Consider our gift ship for gift giving, events, conventions and gatherings.
Totes | Blankets Reusable Bags Puzzles | Masks Stationary | Decals Magnets | Lotions Smudge Sprays Herbal Products
Be the next entrepreneur profiled here! INTERESTED IN LISTING YOUR BUSINESS PROFILE IN OUR NEWSLETTER, SOCIAL MEDIA AND/OR WEBSITE? FILL OUT THE FORM HERE.
Contact Lisa Orton at communications.secwepemc @gmail.com
SECWEPEMC LAKES & TRAINING EMPLOYMENT INITIATIVE INDIGENOUS BUSINESS RESOURCE LIST Financing and Loans
Skills Training
Advisory Services
Mentorship Support
Aboriginal Business Advisory Centres
British Columbia Assembly of
Aboriginal Business & Community Development Centre (ABCD)
BCAFN is a Provincial Territorial Organization representing and advocating for the 203 First Nations in British Columbia. Phone:1-250-962-1603 www.bcafn.ca
Get advice on Indigenous business planning in the Kootenay, Northeast & Cariboo Regions. Phone:1-800-880-1022 www.gov.bc.ca/aboriginalbusinessadvisorycentres
First Nations (BCAFN)
A non-profit organization that is involved in supporting business, community & economic development. Located in Prince George, BC. Phone:1-250-562-6325 www.abdc.bc.ca
Burns Lake Native Development Corporation BLNDC empowers First Nations to realize their economic aspirations within their traditional territories. Phone:1-250-692-3188 Aboriginal Business & www.blndc.ca Entrepreneurship Development Business Development Bank of Canada (BDC) Provides a range of services and supports to promote the growth of a strong Indigenous business sector in Canada. Access business financing and advice through BDC's Phone:1-604-666-7891 Indigenous Bank Department. www.inacservices.com/aboriginal-business-and-entrepreneurship- www.bdc.ca/en development Canadian Council for Aboriginal Business Aboriginal Business Entrepreneurship Tools and financing for Indigenous businesses. & Skills Training Program www.ccab.com/tfab/ Skills training, advisory and mentorship services. Located in Nelson, BC. Phone:1-250-352-3878 www.aboriginalbest.com
Aboriginal Business Investment Council
Access to a variety of resources to help start and grown your business, including skills training and success stories. www.bcibic.ca
Aboriginal Financial Institutions
Information and advice on business planning, financing and other economic development opportunities throughout BC. Phone:1-844-827-0327 www.nacca.ca/aboriginal-financial-institutions
Council for the Advancement of Native Development Officers Cando is a federally registered, non-profit society that is Indigenous controlled, community based, and membership driven. Cando focuses on education and professional development for Economic Development Officers working in Indigenous communities or organizations. Phone:1-780-990-0303 www.edo.ca
All Nations Trust Company (ANTCO)
Community Futures Development Corporation of Central Interior First Nations (CFDC of CIFN) Promotes and provides community economic development support services to Indigenous people within the Central Interior of British Columbia. Phone:1-250-828-9833 www.cfdcofcifn.com
BC Aboriginal Economic Development
First Citizens Fund Business Loan Program Access business loans for Indigenous-owened enterprises. www2.gov.bc.ca/gov/content/governments/indigenouspeople/first-citizens-fund
An Aboriginal owned Trust company, located in Kamloops, BC, that provides financial and advisory services to Aboriginal entrepreneurs. Phone:1-778-471-4110; Toll Free: 1-800-663-2959 www.antco.ca Programs, training & funding for Indigenous businesses. www2.gov.bc.ca/gov/content/governments/indigenouspeople/economic-development
Haida Gwaii Community Futures Building foundations on the Island through business and community economic development. Phone:1-250-626-5594 www.haidagwaiifutures.ca
SECWEPEMC LAKES & TRAINING EMPLOYMENT INITIATIVE INDIGENOUS BUSINESS RESOURCE LIST Financing and Loans
Skills Training
Hello I Am An Entrepreneur
This program encompasses a series of 12 workshops & includes unlimited mentoring, guest speakers, resource materials and video library. Phone:1-250-619-3450 www.helloiamanentrepreneur.com
Indigenous Community for Leadership and Development
ICLD works with Indigenous communities to develop and deliver personalized training to facilitate learning & skill growth that supports economic development. Phone:1-604-899-2400 www.icldgroup.com
Indigenous Peoples in Trades Training
Learn about trades opportunities for Indigenous peoples. Read success stories and receive guidance from the Industry Training Authority Apprenticeship Advisors. Phone:1-866-660-6011 www.itabc.ca/indigenous-peoples-trades/overview
Indigenous Skills and Employment Training Strategy (ISETS)
ISETS links training needs to labour market demands, providing training, skills upgrading and job search assistance. www.canada.ca/en/employment-socialdevelopment/programs/indigenous-skills-employmenttraining.html
Indigenous Tourism Association of BC
Resources for Indigenous entrepreneurs and communities in BC who are operating or looking to start a tourism business. Phone:1-604-921-1070 www.indigenousbc.com
Junior Achievement BC
Entrepreneurship training and support for Indigenous youth throughout the Indigenous Business Circles program. Phone:1-604-688-3887 www.jabc.ca
Metis Financial Corporation of BC (MFCBC)
Metis owned lending institution created to finance the start-up, acquisition and/or expansion of viable Metis owned and operated small businesses based in British Columbia. Phone:1-833-399-3926 www.mfcbc.ca
Metis Nation BC Economic Development Portal
Economic development information and business registry for Metis businesses and entrepreneurs. Phone:1-778-349-7216 www.ecdev.mnbc.ca
Advisory Services
Mentorship Support
Native Fishing Association
NFA was developed to support struggling fishers. Not for profit financial lending institution. Phone:1-604-913-2997 www.shoal.ca
New Relationship Trust
Access business financing and economic development information for Indigenous enterprises in BC. Phone:1-604-925-3338 www.newrelationshiptrust.ca
Nuu-Chah-Nulth Economic Development Corporation (NEDC)
NEDC strives to assist Aboriginal’s make their dreams come true and build a better future for business! NEDC provides financing and business support to Aboriginals on Vancouver Island Phone:1-866-444-6332 www.nedc.info
Peace Hills Trust
Provides banking services for Indigenous entrepreneurs. Phone:1-250-769-9081 www.peacehills.com/business
Sto:lo Community Futures Corporation
Offers business loans, business support, training & workshops. Also aftercare to improve community business and economic development within the Sto:lo traditional territory Phone:1-604-858-0009 www.stolocf.ca
Tribal Resources Investment Corporation (TRICORP)
Administers a revolving loan fund which is operated to be selfsupporting. The mandate is to provide financing for business activities which increase the number of permanent jobs. Phone:1-250-624-3535 www.tricorp.ca/
Tale’awtxw Aboriginal Capital Corporation
Tale’awtxw has supported the success of over a thousand Aboriginal owned businesses operating withing their service area. www.tacc.ca
