E paper – 29 November 2018 – Section A 1-24 – The Punjab Guardian

Nov 30 - Dec 06, 2018 * The Punjab Guardian - A1

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A

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A2 - The Punjab Guardian * Nov 30 - Dec 06, 2018

sB qoN vDIAw fIlW leI swnUM kwl kro[

604.306.5266

ir~kI bwjvw

Dealer#30538. Maple Ridge Chrysler Spin N' Win Bonus Gift With Purchase running November 9, 2018 - November 30, 2018. Receive one (1) of the following Spin N' Win Bonus Gifts (upgrade from showroom gift) available to be redeemed with the purchase/lease of an in-stock new or used vehicle: a Haier 55" 4K TV (valued at $650); a set of 4 winter tires for the vehicle purchase (value up to max of $1000) value of winter tires varies based on year/make/model, base model tires Included in this promotion with upgrade to higher-end models available with difference paid by customer; Trip for 2 Travel Voucher (valued at $850 towards ight and hotel, 3 nights 4 days, midweek departure, voucher must be used within 1 year of purchase date, booked through Pitt Meadows Travel, travel dates subject to availability); $500 towards an in-stock new or used vehicle lease/purchase; 50% off your purchase of select in-stock new 2018 ram 1500 ST crew cab 4x4; available on these stock #'s: RA339128; RA339129; RA345782; RA339132; RA339134; example 50% off calculation on stk#ra345782: Maple Ridge Chrysler list price is $59,984 less discount of $23,698 (50% off calculated from invoice price of $47,397*50% = $23,698) = Now price of $36,286. 0% not available to be combined with 50% off promotion, current bank rates oac apply. Customer may forgo the bonus gift for equivalent discount off the selling price of their in-stock new or used lease/purchase, but not both. 1 spin per purchase. Does not apply to prior purchases. No two offers, discounts, MSRP, rebates, consumer cash, or promotions can be combined. See dealer for complete details.

Nov 30 - Dec 06, 2018 * The Punjab Guardian - A3

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LIABILITY

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#404, 552 Clarke Rd 405-1192 Lansdowne Dr 454 West 604-942-3555 Broadway 134 -17455, Hwy 10 604-576-6648 31696 South Fraserway 160-20728 Willoughby Town Center 604-882-6000 Dr 604-876-0126 604-939-2425 604-507-6666 North Vancouver • jparmar@amcinsurance.ca Call us to Savewww.amcinsurance.ca minimum 10% or more on your Insurance

80th Ave.

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128th St

CONTENTS

$315,000 $385,000 $455,000 $525,000

swfy dPqr hPqy dy s~qy idn svyry 9 vjy qoN Swm 9 vjy q~k Ku~lHdy hn

Discounts may to individual and policy Discounts may vary vary due to due individual circumstances circumstances and policy requirements.

Rates subjectrequirements. to change without notice Rates subject to change without notice.

ÁÃÄ àðÕ ¼ »INSURANCE Áå¶ àðñ ¶ ð» ñÂÆ TRUCK & PRO RATE ëÅÇÂéºËÇÃ× ³ òÆ Õðç¶ Ô»

OFFICE

Commissioner of Oaths

AMC Insurance

www.amcinsurance.ca

• jparmar@amcinsurance.ca

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A4 - The Punjab Guardian * Nov 30 - Dec 06, 2018

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ALPHA MORTGAGE NEED A House Corporation

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shop

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CONTACT:

SIMMERJIT (SIMI) SAMRA

Nov 30 - Dec 06, 2018 * The Punjab Guardian - A5

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LADNER DRIVING SCHOOL We Serve Richmond, Ladner , Delta , Surrey

* * * * *

GOV’T. APPROVED CERTIFIED INSTRUCTORS SPECIALIZING IN CLASS 5 & 7 FREE PICK UP & DROP OFF PUNJABI, ENGLISH & HINDI SPOKEN SPECIALIZING FOR NERVOUS & SENIOR STUDENTS * WE PROVIDE CAR FOR ROAD TEST

ge l Packa Specia d Residents hmon For Ric

CHARANJIT GILL ( CHANI )

778-862-4266

Complete Veg & Non Veg Restaurant

DIAMOND Sweets & Restaurant No HST on Replacement Windows for the month of May & June

Gogi Lidder

Chicken Tikka - Tandoori Fish - Prawn Tikka Paneer Tikka - Tandoori Fish - Tandoori Prawn - Butter Chicken - Goat Curry - Dal Makhni - Shahi Paneer - Tandoori Roti Paranthey & Naan - Samose - Tikki - Pakorey - Kababs - Channa Bhutura All Kinds Of Sweet & Much More...

Chicken Tikka, Tandoori Fish Prawn25+ Tikka, Years inFish Business Tikka Paneer Tikka Tandoori Fish Tandoori Prawn 7.99 lb •Sweets $4.99 lb

•Tandoori Fish 9.99 lb •Chicken Tikka 9.99 lb •Tandoori Chicken 4.99lb (1 Order) •Chat •Gol Gappe •Channa Bhatura We Also Deliver •Roti/ Naan With in 15 KM •King Special Naan Minimum Order •Aloo Parantha $25 •Onion Parantha

Goat Meat 6.99 Fresh Farm Goat Meat Fri/Sat/Sun

Special Lunch 10:30 AM - 4:00 PM Veg - 4.99 Attractive, Sunday Energy Efficient And Quality Windows For Your Non Veg - 5.99

Dream Home Or Housing Projects Or For Renovation

Makki di Roti & Sarson da Saag Saturday Kadi Chawal

Harjinder Lidder

LOCATIONS 102-7228 192 Street Langley BC 604-372-4949

* Quality Products * Superior Service.

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We Do Catering For All Occasions In All Of B.C 102-15933 Fraser Hwy Surrey BC 604-593-5566

OASIS WINDOWS Sweets & Restaurant L T D

160-8047 120 Street Delta BC 604-591-7277

Open 10:30AM - 9:30PM

LIFE •VINYL WINDOWS •SLIDER DOORS We Do: All Bc Catering, Gurudwara Catering Mandir Catering, TIME TandoorWINDOWS Catering & All & Kinds of Catering •GARDEN SKYLIGHTS

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Phone: (604) 597 - 5033

19025 52 Ave, Surrey, BC 604-591-7277

www.oasiswindows.com Unit # 160 8047 Scott Rd. Delta BC

Limited

Warranty

A6 - The Punjab Guardian * Nov 30 - Dec 06, 2018

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THE MORTGAGE CENTRE

E-FILE

tYks BrvwE

Personal Tax Business Tax Corporate Tax

TAX

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Book Keeping, T4, Payroll, GST, WCB

AsIN nvW ibjnYs Kolx jW ibjnYs bMd krn c’ mdd krdy hW WE HELP TO FILL OUT ALL KIND OF APPLICATIONS

GURJIT GILL & ASSOCIATES gurjIq ig`l (Gv`dI) gurjitgill.associates@gmail.com

PH:604-767-2845

#103 8140-120th St, Surrey, BC

MONDAY TO SATURDAY

8:30 To 6:30

AXIS MORTGAGE CORP

Over 25 years of banking experience working with major credit unions and banks Private funds available in 24 hours • • • • • •

Residential Commercial Construction Land financing First time buyers Refinances & renewals

vDIAw mOrgyz ryt Aqy cMgI srivs leI swnUM Pon kro Cell:

604.351.4048

Fax: 604.503.2948 Email: navjitbains5@gmail.com

#204 12885-80th Ave Surrey, BC V3W OE6

Navjit Singh Bains Mortgage Advisor

Each mortgage centre office is independently owned and operated.

Please call for good mortgage rates and good service

Nov 30 - Dec 06, 2018 * The Punjab Guardian - A7

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AMgryzI is`Ko

« hPqy dy s`qy idn svyry Aqy Swm dy BATCH • IELTS • ESL • English Coaching « PrI grwmr klws « AsIN jOb ieMtrivau dI iqAwrI vI krvwauNdy hW[ BATCH STARTS NOV 15TH.

7 + YEARS EXPERIENCE nvIN id~lI -Bwrq srkwr dy swbkw mu~K AwrQk slwhkwr (sI eI ey) ArivMd subrwmnIAm ny notbMdI dy PYsly dy do swl bwAd ies mu~dy ‘qy AwpxI cu~pI qoVI hY[ swbkw sI eI ey ny notbMdI dy PYsly ƒ qkVw Jtkw krwr id~qw hY[ aunHw dw kihxw hY ik 1000 Aqy 500 dy purwxy not ƒ vwps lYx dy AYlwn kwrn AwrQk vwDw dr ‘qy pRqIkUl Asr ipAw[

HARJOT KALSI

ENGLISH CLASSES OF GRADE 1 TO GRADE 12

604-961-4758

B.Com MBA (HR)

TESOL CERTIFIED IN VANCOUVER COLLEGE, CANADA

Harjyotkalsi@gmail.com

www.backandbody.ca

604.594.3808

Unit 201, 12057-82 Ave, Surrey, BC, V3W3E4

WCB,ICBC,MSP(NoReferralRequired)

WCB,ICBC( kuE`lIP`eIf mrIz~ nMU pYsy dyx dI loV nhIN!)

syv`v~ :

•kwieroprYkitk •PIzIEQYrypI •mswj QYrypI •Bwr Gtwau •AYkUpMkcr •nYcuropYQ •ivtwimnz •pYrW dy pqwvy •rIhYb QYrypI •lyzr QYrypI •klIinkl kONsilMg

sInIAr MSP (kwieroprYkitk)

mrIzW vwsqy koeI PIs nhIN

Dr. Jasminder K. Pannu B.A., B. Sc., D.C.

EsIN hyT ilKIE~ syv`v~ pRd`n krdy h~:

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grdn/ip@T/rIVH dI h@fI dI sm@isE`v~ leI n`n srjIkl sp`eInl fIkYmprYSn QYrypI (koeI srjrI Eqy koeI dv`eI nhIN) LOSE UPTO 20-30 LBS WITHOUT DIET OR EXERCISE IN ONE MONTH

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778.828.4872

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Apr. 21-Apr. 27/2012

Akal Guardian Vaisakhi Special E

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A8 - The Punjab Guardian * Nov 30 - Dec 06, 2018

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Nov 30 - Dec 06, 2018 * The Punjab Guardian - A9

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ieMmIgrySn dy PylH hoey kysW dIAW ApIlW spWsriSp (pqI-pqnI-mwpy-b`cy) pVHy ilKy kwmy (nMbrW dy AwDwr qy, god lYxw) CotI SRyxI dy vpwrI qy sUibAW dI nwmzdgI stUfYNt, kMm, ivjtr, supr qy XU.AYs vIjw ikswn 40 swl qoN hyTW Aqy au~pr vwly PYyfrl dsqkwrI kwmy qy pI Awr nOkrI dw bMdobsq qy riPaUjI kys nYnI, istIjniSp, pwsports qy pI.Awr kwrf

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Email: balwinderbrar2004@yahoo.ca

BALWINDER S. BRAR M.Sc., (D.Sc.) Member of ICCRC - R408159

Cell: 604-644-4590

A10 - The Punjab Guardian * Nov 30 - Dec 06, 2018

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We’ve got the right mortgage for you Contact me:

Gurinder (Luckie) Braich Manager, Mobile Mortgage Specialist Tel: 778 989 4010 E: Gurinder.Braich@td.com

muPq AYkXUpMkcr

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Nov 30 - Dec 06, 2018 * The Punjab Guardian - A11

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A12 - The Punjab Guardian * Nov 30 - Dec 06, 2018

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Jasw

A16 - The Punjab Guardian * Nov 30 - Dec 06, 2018

KrIAwˆ KrIAwˆ

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WRITERS AND THE EDITOR OR PUNJAB GUARDIAN IS IN NO WAY RELATED , RESPONSIBLE OR HAS GRANTED ANY CONSENT TO THEM WHAT SO EVER. Tel: 604-572-4000 FAX: 604-572-7268 Email: info@newworldcanada.ca

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Balwinderjit Singh Bassi

Certified Immigration Consultant Member ICCRC

W E E K L Y

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Consulting Editor D.S. Gill Advocate, Ludhiana

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Sales: Kanwaljit Singh Phone: 604-836-0936 Phone: 206-909-3653 (USA) Email: sales@punjabguardian.com Email: kanwaljit@punjabguardian.com

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Disclaimer pMjwb gwrfIAn ipCly 20 swl qoN quhwfI syvw ivc hwjr hY[Awpxy vfmu`ly ivcwr pwTkW nwl sWJy krn leI 'pMjwb gwrfIAn' nUM jrUr Byjo[quhwfy v`loN AweI ilKq dw svwgq hY, prMqU pMjwb gwrfIAn ivc CpIAW rcnwvW lyKkW dI in`jI rwey au~pr ADwrq hn Aqy auhnW nwl sMpwdk jW Adwrw pMjwb gwrfIAn dw sihmq hoxw jrUrI nhIN[ The views expressed in the articles published in the punjab guardian are solely the personal views / opinon of the writers and the editor or punjab guardian is in no way related , responsible or has granted any consent to them what so ever.

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knyfw Aqy AmrIkw dw sB qoN v~D piVAw jwx vwlw hrmn ipAwrw pMjwbI hPqwvwrI AKbwr

Nov 30 - Dec 06, 2018 * The Punjab Guardian - A17

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3006

A18 - The Punjab Guardian * Nov 30 - Dec 06, 2018

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5 reasons why business owners should review their succession planning

Business owners focus on building the business to provide long term income and security for their families. Passing on the business as a viable business to the next generation is often important but often overlooked.Most people will have a personal Will to instruct what happens to the assets when they pass away. Business owners should also have a “Business Will”. This is a document that lays out what happens to the shares in the event of death or disability. It is often called a Shareholder Agreement. A business owners will probably have set this document up when they started the business, especially if there are partners involved. But how often do they check to see if it will still achieve what they originally want it to do. Times and circumstances change. The Business Will along with Personal Will should be kept up to date too. Here are a few things a business owner \should consider about their Business Will.

If you don’t have one, put one in place. If you have one, review it every couple of years.

1.Does the document reflect current share values? Has the business grown?

2.Is the business required to buy the shares back from a shareholder’s estate? Is it required to buy the shares back in the event of a permanent disability?

3.How will the shares be valued on an ongoing basis or at death or disability?

4.One way to ensure funds are available at death, disability or even retirement is to consider insurance. To avoid financial stress on the business and on the family, consider the correct type of life or disability insurance and the right amount.

The Business Will is an important part of ongoing business planning. Spend some time with a tax and qualified and experienced insurance professional to make sure your business and family are well protected.

It is better to plan than panic Lengvari & Associates specialises in funding business and wealth protection solutions using our custom design strategies that can provide tax advantages and improved cash flow.John Wordsworth CLU is a recognized authority on the use of life insurance products in estate and business obligation planning. He also creates unique life insurance products and solutions that are designed to meet special planning objectives. He regularly presents seminars and workshops across North America to tax advisers and the life insurance industry.To book a no obligation meeting call 604 770 3330 or visit www.lengvari.ca/contact

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A20 - The Punjab Guardian * Nov 30 - Dec 06, 2018

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Nov 30 - Dec 06, 2018 * The Punjab Guardian - A21

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A22 - The Punjab Guardian * Nov 30 - Dec 06, 2018

(mu`K pMny dI bwkI)

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Nov 30 - Dec 06, 2018 * The Punjab Guardian - A23

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A24 - The Punjab Guardian * Nov 30 - Dec 06, 2018

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