Juliard Bound 080818

VOLUME 7 • ISSUE 13 • WEDNESDAY, AUGUST 8TH 2018

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JUILLIARD BOUND

PHOTO: TONY SERWATUK | BEHIND THE LENZ

It’s amazing to see the kindness people will show a complete stranger.

On Thursday, August 2nd at Aqua Dolce Restaurant in Toronto the community came together for a precarnival event, Sunset and Cocktails, hosted by Shawn Cuffie and his team DLM Entertainment.

The event organized by DLM and sponsored by Anthony Benjamin, of Benjamin Law was a social event to kick off the weekend as well as encour-

age the community to come out to network and help contribute to the dream of one young man.

At only 17-years-old young trumpeter William Leathers has managed to secure a spot at Juilliard one of the most prestigious music schools in North America.

The school is known for its highly competitive and prestigious arts programs in dance, acting, and music.

At any given time, there are only about

ALYSSA MAHADEO/TORONTO CARIBBEAN 800 students from 42 countries enrolled.

William Franklyn Leathers was born and raised in Toronto, Ontario, Canada. Since the age of 4, William has been a performer of the musical arts as a young pianist, and at the age of 12, he became the youngest trumpeter accepted into the Toronto Symphony Youth Orchestra, as well as the Halton Mississauga Youth Orchestra.

Continued On Page 8

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feature

Toronto Caribbean | www.torontocaribbean.com | Wednesday, August 8, 2018

Marsha Ambrosius New music, new love, and new happiness

When some people think of Marsha Ambrosius, they think of her role as “The Songstress” in the duo known as Floetry. The R&B/Soul duo created hits like Floetic and Say Yes, which dominated airwaves in the early 2000s. These days, Marsha is focused on her solo career, life as a mother and a wife, and being a source of inspiration for young artists.

Marsha was born in Liverpool, England, to a family that has a love for music. She credits her father’s musical background and her mother’s extensive vinyl collection for piquing her interest. When Marsha reminisces about the days when she would hold a hairbrush in the mirror and pretend to be the opening act for stars like Whitney Houston or Madonna, she also remembers the love and support she received from her family. “It basically got me into music without knowing that that was going to be my life growing up,” she told Toronto

Caribbean. “I was surrounded by great people that encourage creative arts.”

This encouragement coupled with determination and a love of music led Marsha to team up with her high school classmate, Natalie Stewart, and form what would become the Grammy-nominated duo Floetry.

Since then, Marsha has gone on to create music as a solo artist. Her debut solo album, Late Nights and Early Mornings, was released in March 2011. She received her first Grammy nominations for her solo work in 2012 for Best R&B Song and Best R&B Performance for Far Away, the second single off of her debut album.

This September, Marsha will be dropping a new album. It’s been about four years since she’s released new music, and her upcoming album offers fans a glimpse into how her life has changed over the past few years. Two major changes: her marriage to her husband, Dez Billups, and the birth of her first child, Nyla, who the album will be named after.

In the time leading up to these changes, Marsha had to push herself and be open to new experiences. She put a lot of thought into relocating from Liverpool and had to reassure herself that her career in music was truly what she wanted. But she also had to be open about other aspects of her life. “I allowed myself to open up and fall in love, and trust. And time is everything, it was perfect,” she explains.

She’s even come to find that as she entered this new chapter in her life, she found herself relating differently to her past material. “By the time I’m now in love, and a wife, and a mother, I’m now closer to songs that I’ve written over the course of my 20-year professional career and go ‘I was actually talking to myself all of this time.’ I was truly kind of throwing out in the universe what I wanted to come back, and it did. And I’m living it!” she says with a laugh.

The material on NYLA will give listeners a musical storyline of the events, themes, and emotions taking place in Mar-

sha’s life and the world around her. Marsha hopes that one day, Nyla will be one of those listeners. “It’s the journey to get to her. So, by the time I’m done all the traveling, all the selfdiscovery, it turns into Nyla,” she explains. Her daughter was named in honor of her father’s upbringing—he was born in L.A., but raised in Buffalo, New York. Combined with the fact that Marsha has toured the U.S. for a large portion of her musical career, the name is symbolic in every sense of the word. Marsha says the songs on the upcoming album can be looked at as pinpoints. “As she does grow older, we’ll be talking about ‘well this song was before I met your dad’, or ‘I don’t know if you may remember it, but we sing it every day, almost’, and ‘you were born to this song.’”

While Marsha embarked on her transformative musical journey, she has been sure to help other artists chase their dreams.

Last month, the singer/songwriter was a special guest at the launch for Honey Jam Canada. The program provides networking, mentorship, performance and promotional opportunities to female artists between the ages of 14-25. “The lending of knowledge that we’re instilling in these young women, these young, creative women, that need that platform. For me, it was a beautiful experience to be able to not only lend advice and see them through and guide them to a means to an end, that it can and does happen with hard work,” she explained. “I encourage the conversation not to stop at Honey Jam—these are women who stay in close contact and lift each other up.”

Marsha’s hope that women continue to be supportive of each other covers all women, not just artists. She says that fear often holds women back from reaching out to each other. “It’s what allows us to hold back and have these guards up and hold our secrets alone and almost suffer in silence.

There’s empowerment in admitting your own truth, and it’s okay to confide in other women once you let go, you can move forward.”

Written by Dellia Rismay Toronto Caribbean News

Wednesday, August 8, 2018 | www.torontocaribbean.com | Toronto Caribbean

local news

Bac & All Festival

JELANI GRANT

jelani@carib101.com

TC REPORTER Five-minutes north of the Pan Am Path the Bac & All Festival was held at The Bentway. Supported by the Ontario Trillium Fund, the festival was created with the intent of demonstrating the historical significance of carnival celebrations through traditional Caribbean performances and explored visions for the future, through new technologies like 3-D Printing and virtual reality.

The event illustrated masquerade culture using recreations of the past, the innovative works of the present, and delicious Caribbean food and drinks. The highlight of the event featured a traditional masquerade of Ole Mas characters led by actor, director, and storyteller, Rhoma Spencer. The multigenerational event explored the historical significance of the carnival season through traditional performance and

storytelling. “The reason something like old mas and the traditional characters are so important is because they’re talking about the legacy of slavery,” Friends of the Pan Am Path Executive Director Jade Lee Hoy said.

The festival featured socacize classes

by Ayanna Lee-Rivears, a mini mas camp for onsite carnival creations, and artwork by local artists, such as mixed media artist Zahra Siddiqui.

During the festival, the crowd was engaged by an interactive music battle card game called Aux God.

Though the game was originally designed for hip-hop and R&B, the occasion teams were divided between Jamaicans and Trinidadians, who mostly selected well-known hits of their respected countries.

The free family event converted the east side of The Bentway into a place where guests could learn about various aspects of Caribbean culture, sharing, and enjoyment for the whole family. The performance engaged the audiences with a recreated performance of Caribbean traditions complete with an upbeat rhythm section by Hornman International.

Though the costumes held a traditional mas design, the performance itself touched on relevant issues such as tariffs and social media.

“I’ve grown up with Toronto Carnival and Trini-

dad Carnival and I’ve seen the different aspects of both and I think there is a really amazing opportunity to have some more of the traditional aspects and reimagine some of the future aspects,” Hoy said.

Spencer had already created similar traditional shows in Trinidad and Tobago at the Best Village Theatre. She performed Viey la Cou at the Art Gallery of Ontario earlier in the year to demonstrate the long tradition of mas for enthusiasts who may only recognize mas played during the Peeks Caribbean Carnival, though Spencer said performing outside gives her a more authentic feel. “This feels like the real deal because we’re outdoors, we’re parading on a real road,” she said.

“It is important for us to have this space so that this generation could understand where [mas] comes from,” Spencer said.

In a seamless contrast to the recreation of the past, future visions of carnival were displayed via 3-D printed costumes developed through the Inkwell Project. The project is a joint partnership with SugaCayne Designs and Ryerson University’s Design Fabrication Zone. In addition to the three costumes on display, designer Candice Dixon gave guests a look at two of her new designs. One costume sported glim-

PAGE 3

mering fairy wings with the words ‘freedom’ etched into them. The other carried a creatively paint splattered gown-like skirt.

The Pan Am Path is an 87 km trail, stretching from Brampton to Scarborough, that has connected varied neighborhoods across 13 wards in the GTA with the goal of enhancing and bringing awareness to the public spaces along the path through arts, culture, and recreation. “It’s very important that we create spaces for young people from all different ethnic backgrounds to engage in and also open the conversation for people who know nothing about carnival,” Hoy said.

The projects were on display to demonstrate the harmony between traditional Caribbean carnival costume design and innovative technology at a public space designated for year-round artistic, cultural, and recreational activities. “The Bentway is pleased to be working with Friends of the Pan Am Path to celebrate carnival season with the Bac & All Festival. It will be a fun day of free events and activities,” says The Bentway CEO Julian Sleath. “The mix of both traditional elements, like the masquerade, and innovative technologies and arts, like VR, is incredibly exciting and is exactly the type of innovative community-driven programming The Bentway is proud to present.”

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NACAC Track and Field Championships hosted in Toronto for the first time JELANI GRANT

jelani@carib101.com

TC REPORTER

Athletics Canada, the governing body for all Track and Field in Canada, will be hosting the North American, Central American Athletic Associations (NACAC) Track and Field Championships at the University of Toronto’s Varsity Stadium. This international event will showcase Canada’s best athletes competing against the best across North America, Central America and the Caribbean.

There will be dozens of Olympic and World Championship medalists competing, and even a few World Record holders. Athletics Canada has selected 58 athletes to compete against high calibre athletes coming from all over the NorthEastern hemisphere. The meet will run from August 10th to 12th at Varsity Stadium with 600 athletes from 31 countries arriving to compete in more than 40 events on the track and in the field.

With 58 athletes ready to compete, Canada has no shortage of young talent who are prepared to compete for nothing less than medals. One long jumper from Brampton is expecting to outdo his jump of 7.80m at the 2018 Canadian Track & Field Championships. Steve Kerr is the father, and one of the first coaches, of Jared Kerr who is gearing up to break a record. Steve said they began training when Jared was 10 years old and since then he has watched him soar. “I was a track & field person…so I just started to take them through jumping jacks, burpees and stepping up the little curb outside of our house which seems like its nothing but try doing it 600 times,” Steve said.

Continuing a consistent level of discipline throughout the years, he expects his son to not only win in this upcoming meet but also break the record for long jump. Now an Olympic-hopeful for 2020, Jared is using the lessons his father passed down to him to break records. Jared is now being coached by Olympic legend Carl Lewis and after his leap of 8.14m set a

new American Athletic Conference record in May, there is really no telling what he could accomplish next. That 8.14m is the fourth-best jump in Canadian history, putting Jared only six centimetres away from the Canadian record set by Edrick Floreal in 1991.

High calibre track & field championships such as these being rare in Toronto, Steve said this will be a special occasion for many reasons. Including the 8.06m record that should be broken, friends and family travelling to meets Jared competes in can be challenging. Though he is not used to seeing all of his loved ones in the stands, Steve said his son has not shown any anxiety leading up to his event. “As a matter of fact it’s the opposite, Jared is excited to compete right here in the city,” Steve said.

At the young age of 23, Steve said his son has at least two Olympics to look forward to following the NACAC championships.

Aaron Brown will also be competing for a medal after he took home two gold medals at the 2018 Canadian Track and Field championships including the 200m with a time of 20.17. He also ran a personalbest 19.98 seconds in the 200 metres earlier this season at the Bislett Games in Oslo, Norway. Though Brown hasn’t raced in Toronto since the 2015 Pam Am Games he said he is, “excited for my friends and family to be able to watch me run. They always hear about it, but almost never get to see it.”

Crystal Emmanuel, also from Toronto, is expected to dominate after nearly beating the 200m record at the Canadian Track & Field Championships. The women’s 200m meet record is 22.64 and Emmanuel pulled away with 60m left and won the gold medal with a time of 22.74. Keep in mind her personal best is 22.50.

Made up of nations in North America, the Caribbean and Central America, NACAC was founded in 1988 and is one of six area associations on the IAAF. The first inaugural NACAC Championships took place in San Salvador in 2007, featuring more than 300 athletes from 26 countries.

Following carnival weekend, there will be a number of street exhibitions, athlete intros and live music performances highlighting Toronto’s vibrant Latin American culture. In addition to the minimum prize purse of $160,000 awarded to the top-three finishers in each event, athletes and fans will have a lot to look forward to throughout the entire week.

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Wednesday, August 8, 2018 | www.torontocaribbean.com | Toronto Caribbean

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Caribbean-Canadian Talent from Brampton debuts on Omni’s Second Jen Sitcom KRISTINA RAMCHARRAN kristina@carib101.com

TC REPORTER

Culture, youth, independence, and belonging.

Each of these themes shares one thing in common: they all embody the storyline of Omni’s newest sitcom Second Jen. Now that the show is in its second season, expect more laughs, surprises, and talent like Brampton’s very own Lovell Gray-Adams.

Lovell is the newest addition to the Second Jen cast, bringing much to the show including his passion for acting, but also his Caribbean background, trailblazing the way for other upcoming minority background actors.

He debuts in the show as Marcus, the potential love interest of the main character Jen, who is also a professional model. Lovell sees the role as a relatable personality, a hardworking guy who wants to build a successful modeling career, just as in real life with his dreams of building a strong acting career.

Growing up in Rexdale and Brampton, Lovell discovered his passion for acting in high school along with one of his best friends.

“We always kind of kept each other in check.

When he was getting his theatre fill, I was get-

ting my film and TV fill,” said Lovell on their exchange of learning while in post-secondary.

Currently, Lovell and his best friend Leighton Williams own a production company together with some exciting projects coming up.

On his acting inspiration, Lovell identifies his influences through “I was always a big fan of Will Smith, Eddie Murphy, Denzel Washington growing up. Denzel more so now, because you realize when you were a kid, Denzel didn’t do much fun things.”

“He dealt with really serious things, revolutionary narratives…I think that he’s the Sidney Poitier of our time,” added Lovell on how his love for Denzel Washington developed from his childhood appreciation till now.

“We’re all still kids, all we do is just get older,” says Lovell on the importance of a child’s curiosity, which also adds to the creative process of acting. Such curiosity is what adds to the adventurous spirit in the Second Jen narrative, notes Lovell. “Because it’s a comedy, it really encapsulates what it means to have joy and have fun, and live life to the fullest.”

What Lovell loves most about his character Marcus is that he thinks more using his heart rather than his brain. “Because there’s a lot of pressure in life to be smart, and we look at the people who follow their heart, and we generally down talk them,” adds Lovell including that this is also the way he chooses to think, which is what lead him to pursue acting.

Apart from his love for acting, Lovell like to get his creative juices flowing in other ways. During his spare time, he produces music

for fun. He likes keeping music as a hobby as it gives him “freedom to approach it in the way I want to.” What I like about art, is it allows me as a human being to see the beauty in everything.

It forces me to look at the details,” says Lovell on appreciating the art of acting. “What I do is very much a gift, and I am happy to share that with the world in any way I can, to the biggest capacity I can,” adds Lovell on the main goal of his career.

Lovell is overwhelmed by the support from his friends and family and ensures that this is just the beginning. And one of the best things he receives from his family and friends, besides support, is culture and belonging. Coming from a Jamaican, Guyanese and Maltese background, and growing up in the greater Toronto area, Lovell highlights multiculturalism as a key aspect of his personality.

“I love food, because it’s such a cultural thing for me, it’s a huge way to connect,” adds Lovell on the importance of his culture setting him apart.

“I’m grateful that we’re living in a time now, that people can really shine now, and show what they have. It’s almost like no one cares to tell our stories, we gotta tell them ourselves. We gotta kick that door down,” exclaims Lovell on the influence of telling relatable stories that matter to the Toronto communities.

He ensures that Second Jen encompasses that much and even more.

Be sure to catch more of Lovell’s exciting character on Second Jen’s second season airing every Saturday on Omni 2.

Caymanian Hospital set to become a leader in Caribbean healthcare DELLIA RISMAY dellia@carib101.com

TC REPORTER

Medical professionals at Health City Cayman Islands say that the hospital is making strides in providing quality, affordable healthcare for those living in the Caribbean.

At the annual Caribbean Cardiology Conference held last month, physicians from Health City gathered in St. Lucia to share the innovative work that’s been done in the hospital’s four-year history, as well as the plans they have to further improve patient care in the future.

The health center is the vision of Dr. Devi Shetty, a renowned heart surgeon, and humanitarian. Narayana Health, one of India’s largest private healthcare systems, supports Health City. Upon its opening in February 2014, it became the first advanced medical facility and tertiary care hospital in the Cayman Islands.

At the conference, Dr. Ravi Kishore, Health City’s Chief Interventional Cardiolo-

gist, and Electrophysiologist said the hospital has become an affordable, viable option for local, regional and international patients.

“The alternative to specialty care was going to the U.S. mainland, but unfortunately, there is a constraint of cost in such situations,” Dr. Kishore said in a press release.

He also noted that there are also constraints on securing visas. “So, we have been able to address these two issues, we are a very affordable health organization with a passion to cure rather than to charge.”

Dr. Kishore, who has over 20 years of experience in cardiology, says he and his team of cardiologists are focusing on providing excellent care to all their patients. “We study problems of the heart, so we have been striving to be state-of-the-art, contemporary, and to give the best available tertiary solutions to the Caribbean region,” Dr. Kishore said.

The conference, which took place from July 18th to the 21st, was themed ‘Meeting the Challenges of Cardiac Care in an EverChanging Caribbean’. Dr. Kishore, along with his colleagues Dr. Dhruva Kumar Krishnan and Dr. Pankaj Gundad, discussed the hospital’s plans for the future, including an expansion into radiation and surgical oncology procedures over the next year.

In the four years that the hospital has been open, it has been the first health

center in the region to perform a number of medical procedures. Among them is a treatment for atrial fibrillation, which is a condition that can lead to strokes and cardiac failure due to irregular heartbeats. The treatment, called Cardiac Contractility Modulation, or CCM, involves implanting a device in patients with heart failure who are not responding adequately to medical therapy. “This can potentially revolutionize a segment of patients with heart failure with limited options,” said Dr. Kishore. Currently, Health City is the only center in the Caribbean, Central, and South America that offers CCM treatment.

Another example of Health City being a regional pioneer happened in 2017 when the hospital began utilizing an advanced form of life support called Extracorporeal Membrane Oxygenation, or ECMO. It acts as an artificial heart or a set of lungs during therapy, allowing the patient’s organs to rest so they can heal naturally.

Dr. Krishnan, like his colleagues, is optimistic about the future of the hospital, and the impact the hospital will have in terms of improving patient’s lives. “We are looking at elevating the quality of healthcare in the Caribbean as a whole…so it is important that we have as broad a spectrum of services for people in the region to benefit from,” he said.

PAGE 7

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PAGE 8

Toronto Caribbean | www.torontocaribbean.com | Wednesday, August 8, 2018

17-Year-Old William Leathers 1 of 3 undergraduates accepted to Prestigious Music School ALYSSA MAHADEO alyssa@carib101.com

TC REPORTER

Continued From Page 1 - “One of my family friends Andray Domise who’s a freelance writer saw my announcement on Facebook that I had gotten into Juilliard and he knew that it was going to be kind of a struggle with the money,” William recalls. “He contacted my mom to find out how he could help and he set up a funding campaign in my honor.”

The tuition cost for Juilliard is $71,000 US dollars per year for four years, which comes out to roughly $91,000 every year in Canadian dollars.

William comes from a musical background, his father Howard Leathers is a gifted, multi-talented Canadian trumpet player and singer. He specializes in multiple musical genres from big band, jazz and classical to world music forms such as West Indian, Bollywood and Moroccan.

“I started playing when I was 4, I saw the cartoon Oswald the Octopus that plays piano,” William shares. “I wanted to play

because of it, and I asked my mom for about 6 months before she was eventually able to get me into lessons.”

He shares that since his father played the trumpet it was also something he wanted to do his whole life, but had to wait till his teeth came in.

“My dad showed me a few notes when I was 6, and then I got my own trumpet for Christmas when I turned 7 and that’s when the work really started.”

In addition to school, William would attend private lessons to practice his skills and learn the correct techniques to play different pieces moving at his own pace. His father taught him the trumpet until the age of 12 when he decided that he wanted to play more orchestral and classical music and went on to study under his middle school teacher who was the principal trumpet of the Guelph Symphony at the time.

“It’s been about 10 years of real work,” William explains. “The past 5 years has been prep for Juilliard.”

When it came time to apply for University, William says his mom was knowledgeable on all the names of the schools he needed to apply to. Through some extra work and research, they narrowed it down to a few schools they thought would be a good fit for him to continue his musical career.

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“I auditioned at Juilliard, Eastman, Curtis, and Glenn Gould Music School in Toronto,” William says. “With all of the preparation I did I kind of expected that acceptance to Juilliard would come in, but I didn’t know that I was one of three undergrads that got into the program and that was the shocking part.”

As expected the audition process consists of pre-screening to ensure all applicants are up to Julliard’s high professional performance standards. “For my audition, I played a piece that showed off technique and sound quality that’s what they really want to hear the sound of the trumpet when you play.”

For William getting accepted to Juilliard is really a dream come true, and this opportunity is one he can’t miss.

Thanks to the crowdfunding efforts of the community, he has been able to raise enough money to cover his freshman year at the prestigious school.

Although he received some scholarship money from Juilliard, William isn’t eligible for a majority of Canadian scholarships since he’s going to a school outside the country. While he reached his goal for this year, he still has much more to raise, as the entire four-year program is expected to cost $364,000.

“The response from the community has been overwhelming, so many

people have reached out to offer their support,” William shares honored to be recognized for his work.

Although he is struggling to pay his own tuition the young trumpeter already wants to help others who are struggling to find a way to pay for school.

He plans to use 10% of what he’s raised so far to create a foundation to help other young artists. If he is able to cover his entire school expenses, William plans to give the remainder of what’s raised to the foundation.

His ambitions don’t stop at Juilliard. “I want to graduate from the program, and then I want to do my Masters and Ph.D., and potentially pursue a career as a soloist,” William says. “I have so many people who don’t even know me supporting me and it’s a really great feeling, I am very grateful to them all.”

William Leathers GoFundMe Page is available online and still accepting donations to help him pay his tuition costs for the next 4 years. He will be leaving for his first year on August 23rd in time to get settled for the new school year. Any additional money raised will go to a Foundation to help other young artists like William achieve their dreams.

To donate to this campaign gofundme. com/williamleathers.

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Toronto Caribbean | www.torontocaribbean.com | Wednesday, August 8, 2018

Harry Belafonte with Order of Merit heads National Honours and Awards list JAMAICA -- American singer, actor and social activist Harry Belafonte, whose mother was of Jamaican descent, heads 130 individuals who have been recognised in this year’s National Honours and Awards list.

Belafonte has been accorded Jamaica’s fourth highest order — the Order of Merit — for outstanding contribution in the field of music.

The appointments, which became effective Monday and will be presented on National Heroes Day in October, include the Order of Jamaica to four Jamaicans — Tourism Enhancement Fund Chairman Godfrey Dyer, for exceptional contribution in the field of tourism; Jamaica National Group General Manager Earl Jarrett, for exceptional contribution to the banking and financial sectors, public service, and volunteerism; singer and actor Grace Jones, for exceptional contribution in the field of entertainment internationally; and Giuseppe Maffessanti, for exceptional contribution to the construction industry, social development, welfare and philanthropy.

Thirty-one Jamaicans have been appointed to the Order of Distinction in the rank of Commander. Among them are owner of Ammar’s stores, Michael Ammar Jr; Olympian swimmer Alia Atkinson; mu-

sic and media industry personality Winston Barnes; veterinarian Dr Clifford Bradford; Justice Courtney Daye; real estate and financial industry executive Stephen Facey; veteran trade unionist Kavan Gayle; former Education Minister Maxine Henry-Wilson; communications consultant, philanthropist and Jamaica Observer columnist Jean Lowrie-Chin; businesswoman Lorna Myers; Justice Leighton Pusey; Jamaica’s high commissioner to London George Ramocan; environmentalist Professor Dale Webber; and US Congresswoman Yvette Clarke.

Among the 36 recipients of the Order of Distinction in the rank of Officer are Bishop Rowan Edwards; music industry executive John Gourzong; former Deputy Commissioner of Police Novelette Grant; music industry expert and broadcaster Dermot Hussey; environmental management expert Eleanor Jones; and Chief Education Officer Dr Grace McLean.

The Badge of Honour for Gallantry has been awarded to nine Jamaicans, 20 individuals have been accorded the Badge of Honour for Meritorious Service, while 29 Jamaicans have been accorded the Badge of Honour for Long and Faithful Service.

- Jamaica Observer

Jamaica, China eye-care partnership to benefit hundreds

JAMAICA -- Hundreds of Jamaicans are to benefit from cataract surgery later this year, thanks to the Chinese Bright Journey Medical Mission.

The revelation was made when the mission team, which comprised representatives from the Beijing Friendship and Tongren hospitals, and the Beijing’s Health and Family Planning Commission, together with Chinese Ambassador Tian Qi, made a courtesy call on Health Minister Dr Christopher Tufton at the Ministry of Health in Kingston recently, a release from the ministry said.

“We are very pleased that you have identified a need here in Jamaica and have agreed to contribute to addressing that need.

This particular area of eye care is an underserved area in Jamaica and so we are very happy to have the support,” Tufton told the Chinese team.

“We are big on partnerships in Jamaica and public health requires partnerships. No one country will have all the solutions, and the partnerships in health, between ourselves and China, have increased and are increasing,” the minister added, noting that a group of 18 Jamaican nurses and five of their tutors are now in China for clinical training.

Ambassador Tian said the Chinese Government was happy to provide the support and is, in fact, keen on exploring new avenues for collaboration with Jamaica, the release said.

“I think our co-operation in health is very important. We are ready to do more in the interest of the people,” the ambassador noted.

Bright Journey’s visit to the island later this year will be their second. In May 2015, more than 200 Jamaicans benefited from free cataract surgeries at the Kingston Public Hospital, while the hospital was gifted medical equipment and supplies to the tune of US$400,000.

The release said the Chinese Government has been sending medical teams to developing countries since 1963. In the Caribbean, Bright Journey is part of a commitment made by Chinese President Xi Jinping, to expand public health co-operation with Caribbean countries, during his meeting with Caricom leaders in Trinidad and Tobago in June 2013.

In 2015 it was reported that from 2003, had benefited from China’s Bright Journey project in Oceania close to 300 million eye patients in more than 70 countries in Asia, Africa, Europe, Latin America, the Caribbean, and Oceania.

The 2015 mission helped the Government of Jamaica to increase access to quality eye health care.

According to the release, the backlog of patients needing treatment was relieved and the donated medical equipment and supplies helped the local team to reduce risks when performing cataract surgeries.

The ministry said on the upcoming mission, in addition to more than doubling the number of individuals served and, once again, donating equipment and supplies, there are also plans to conduct training with Jamaican health care professions.

- Jamaica Observer

Wednesday, August 8, 2018 | www.torontocaribbean.com | Toronto Caribbean

Murder/suicide rocks Kilcoy/Chesney GUYANA -- The quiet community of Kilcoy/ Chesney on the Corentyne was rocked by the brutal murder of a 29-year-old woman who was killed by her reputed husband who later bled to death after stabbing himself.

Dead is Sabrina Lackhan called “Rohini” and her reputed husband Ramesh Ramdeen ,47. The incident occurred around 14:00hrs on Monday.

The incident occurred after police officers , who accompanied the woman to the house to retrieve her clothing , left the woman behind as she packed her belongings. The man reportedly locked the woman in the home between midday and 1400hrs and brutally attacked her.

Reports are that the couple have been experiencing domestic issues for sometime and several months ago the woman moved out of the house with the couple’s three children , ages 3 to 15. According to reports , on Monday morning the couple appeared at the Albion Magistrate’s Court after Ramdeen failed to pay the woman child support dues.

The magistrate ordered that the

police accompany the couple to the house where the incident occurred, so that Lackhan could have retrieved her clothes.

Relatives and neighbours related that while the woman packed her belongings , the police officers left the home and shortly after they heard screams from the home. The woman’s relatives hurriedly left for the house but by this time the police returned and found the lifeless body of the couple in a backroom on the upper flat of the home. The woman’s body bore multiple stab wounds while the man reportedly slit her throat. Ramdeen reportedly inflicted several stab wounds to his body and bled to death next to his reputed wife.

Relatives of the woman believe that the man made good a threat he levelled at Lackhan several months ago when he told her that if she left him , he would kill her.

The mood at the scene was tense on Monday as relatives of the couple congregated at the home.

- Guyana Chronicle

Fire strikes at Pegasus

GUYANA -- Guests and staff of the Pegasus Hotel, Georgetown, were late Sunday night forced to evacuate the hotel as a fire in the hotel’s kitchen caused the premises to be engulfed in smoke.

Reports from guests at the hotel indicate that there were no fire safety measures in place. In particular, guests recounted to Guyana Chronicle that there was no sounding of the fire alarm and fire exits were all locked.

When Guyana Chronicle arrived at the hotel, guests and staff were seen in the lobby area, some wearing masks as firefighters attempted to quell the situation in the kitchen. Among those affected by the fire were children and the elderly.

“I was on the second floor trying to get out. When I ran down, there was a big padlock at the exit. Then I ran up to get my children. When I tried to go to the fourth floor, there was a padlock on the door and chain… I had to come through the smoke.

It is because of Jesus that we are alive,” a guest recounted to the media.

He believes that action should be taken against hotels that are non-compliant with fire safety regulations.

“Safety is very, very important,” he stated as he stood by his wife and children.

The overseas guest said he was banging on doors trying to get some persons out of their rooms.

“I was trying to get people out, there is fire, come out, and come out…now we had to use the elevator. The elevator is a poor thing when you have a fire,”

Fire Prevention Officer Andrew Holder told reporters that the fire resulted from a deep fry, “either accidentally or willfully left on” which became so overheated that it ignited the insulation for the heat extractor which created a smoke logged environment.

“We managed to quickly put out that fire and initiated some form of ventilation. The occupants’ anxiety about relatives being left in rooms up there is understand-

able. We tried our best to get them out of the rooms,” said Holder who noted that the fire was contained to the kitchen area.

Two floors above the ground floor area were engulfed in smoke, he disclosed while noting that the fire at the hotel comes immediately after the Guyana Fire Service conducted a training session for hotels.

That forum was poorly attended.

“Some of the same stuff we dealt with at that training occurred here tonight.

Unmaintained deep fry…how to respond, what to do to form initial response,” said Holder who expects that the next fire safety training for the hospitality sector will be will attended.

He confirmed the reports by guests that the exit doors were all padlocked. “I observed that… the thing is the fire prevention department does yearly inspections of these departments, we do not know what obtains or what obtains after inspections.”

This would prompt another impromptu inspection today, Holder announced. “It should not be locked; some of them are chained and padlocked.”

Meanwhile, at the time the fire occurred, a wedding reception was ongoing in the Savannah Suite. The bride and her relatives were seen standing in the driveway as the fire service tried to control the fire.

Another guest told reporters that he has moved across to the Marriott Hotel.

“We grabbed our valuables and the smoke was so thick, I ran back upstairs calling for my grandchildren. No alarm, nobody even call and say something was wrong,” said Mrs. Fredericks who has returned to Guyana from the United States for a convention.

Attempts were made by Guyana Chronicle to speak with the manager who refused to comment.

- Guyana Chronicle

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island news

Toronto Caribbean | www.torontocaribbean.com | Wednesday, August 8, 2018

$50,000 fine for importing ammo

TRINIDAD -- A Freeport businessman was slapped with $50,000 in fines after 30 rounds of assorted ammunition were found in his shipping container, containing clothes, toys and other items, brought in from America.

Glen Seelochan, 53, who runs a charitable organisation for children pleaded guilty to two charges—making and subscribing to a false declaration and importation of prohibited items—in the Couva Magistrates Court Monday.

Senior state attorney for the Customs and Excise Division Harricharan Kassie said on August 2, Customs Officer Kirk Peters went to the Customs & Excise Container Examination Station in Point Lisas where he met Customs officer’s Gillian Stewart and Seelochan.

Stewart handed Peters several documents, including the declaration form. She reported to Peters that while examining the container in the presence of Seelochan a black bag with the assorted ammunition, a magazine, a styrofoam ammunition nest and a piece of paper with a telephone number, were found among household items.

Seelochan did not declare those items and did not have a licence to import the ammunition.

Seelochan’s attorney Shiva Boodoo told to Senior Magistrate Wendy Dougdeen-Bally that Seelochan recently returned to the country from the United States where has citizenship.

Boodoo said Seelochan runs Stand Up for Abused Children, a non-profit organisation, and the container also contained toys, clothes and other

supplies for children to be distributed to abused and needy children.

He said Boodoo was not aware that the illegal items were in the container but he accepted responsibility for them.

Boodoo said his client had no previous convictions or pending matters. Kassie reminded the court that the importation charge carried a minimum $50,000 fine or trice the value of the goods or imprisonment up to eight years while the maximum penalty for the declaration charge was $125,000.

The documents, ammunition and other items were produced in court.

- Trinidad Guardian

Worker to pay $3,000 for torching vehicle TRINIDAD -- Unable to cope with having to end a love affair with his boss’ wife, a man set fire to the employer’s car during an argument.

As a consequence, the 47-year-old worker of Chaguanas, not only lost his job, but he also has to pay $3,000 in compensation and a $2,500 fine.

The Chaguanas man, who worked at a

scrap yard had an affair with the boss’ wife for two years. The boss found out about the affair and last Wednesday confronted the worker.

During an argument, the worker threw gasoline on the seat of his employer’s van and set it on fire. The worker was subsequently arrested and charged with malicious damage of the van seat and upholstery valued at $3,000.

He pleaded guilty before Chaguanas First Court Magistrate Christine Charles. The man’s attorney, Shiva Boodoo, said his client was still “toting feelings” for the woman.

He said his client was willing to pay compensation. The worker was given until the end of the month to pay the fine or serve nine months in jail.

- Trinidad Guardian

‘I’m always up for challenges’ TRINIDAD -- “I’m always up for challenges.” That’s the position of an unperturbed former national security minister Edmund Dillon who moves into his new job at the Housing Ministry today.

Dillon and others affected by Prime Minister Dr Keith Rowley’s latest set of Cabinet changes commented Monday on the development.

The Prime Minister’s Office Facebook page posted the Cabinet changes around midnight.

A media statement was issued at 12.22 am Monday.

Changes have been made each year since the People’s National Movement (PNM) assumed office, particularly after La Horquetta/Talparo MP Maxie Cuffie’s stroke last year, and regularly this year.

The main change in the latest reshuffle shifted Dillon from the embattled National Security portfolio to Housing. Dillon was replaced in National Security by Communication Minister Stuart Young.

Dillon, who held National Security since Government assumed office in 2015, was informed of the shift on Sunday. Monday, he didn’t respond to questions on whether his performance in Security— and criticism of that—caused the shift.

Instead, Dillon said, “I’m always up for challenges. In my entire career, I’ve embraced challenges and risen to changes. In whatever post I’m placed I’ll do my utmost best.

“I thank the Prime Minister for allowing me to serve as National Security Minister and look forward to continuing service in Housing, a frontline ministry for decades, and assisting citizens’ needs.”

Cuffie, the former Minister in Public Administration who recently returned from medical attention in the US, was also shifted further “down” to Parliamentary Secretary in that ministry. A PS carries a lower salary than a minister or a minister in a ministry, Government officials said.

Contacted on his switch Monday, Cuffie said, “I’m fine with the appointment and thank the Prime Minister for his continued faith in me. I return to work September 3.”

Smith done, that, after being in Security for three years, she couldn’t be elevated to Cabinet?

“Also, why did the PM inform the President that Marlene McDonald’s resumed duties? Did they cut her salary? The President isn’t a doctor, she only handles appointing or removing.”

UNC MP Rodney Charles pointed out that Young was appointed “like a thief in the night” and questioned whether he had the experience to handle such an important portfolio.

“On what basis has the Prime Minister appointed a relatively inexperienced ‘OJT’ (On the Job Trainee) to provide strategic policy guidance, leadership and management expertise to National Security Ministry’s 20,000 public servants?

“Young lacks known experience in Security and managing multi-faceted bureaucracy. Where will he find time to address three portfolios? Are his Communications and Security portfolios essentially one ministry about old talk? His only qualifications are that he’s a talker in Parliament, a ‘smooth talker.’ For that, he may be suited to Communications to hoodwink the population into believing crime’s down.”

Dillon/Gary can’t work? —Moonilal Opposition MP Dr Roodal Moonilal Monday questioned the midnight reshuffle of the Cabinet.

“Nothing prepared T&T for this. Is it a reaction to Gary Griffith’s appointment as Police Commissioner—did Dillon say he can’t work with him? Or was it caused by the Opposition’s recent no-confidence motion in Dillon, up for debate again in September?” Moonilal asked in a telephone interview.

“Dillon hasn’t answered satisfactorily on his New York housing matter, now that he is appointed Housing Minister—the fifth in less than three years. At this rate, Government’s as stable as Jello.

Kamla Persad-Bissessar did calculate reshuffles annually. Rowley reshuffling every three months.”

He added: “T&T’s in for a shaky ride with a new Police Commissioner and National Security Minister lacking practical law enforcement/policing experience. What wrong has Glenda Jennings-

PM wanted change—Dumas Former public service head Reginald Dumas believes a previous issue between fired National Security Minister Edmund Dillon and incoming Commissioner of Police Gary Griffith may have led Prime Minister Dr Keith Rowley to remove Dillon from the post.

“It’s possible there’s some difficulty stemming from Dillon and Griffith’s prior work in the army together; it may be Dillon feels he can’t work with him. Since Griffith became Commissioner-designate there’s been criticisms of the way law enforcement was done.

“Whether or not there’s personal difficulty between them, the Prime Minister might have felt the anti-crime fight was going the wrong way under Dillon and it was best to make changes,” Dumas told the T&T Guardian.

On another issue, Dumas said he was also offended by Griffith’s recent reuse of the term

Stuart bad choice—Jack Former national security minister Jack Warner also felt the PM’s replacement for Dillon did not make sense given the current crime woes.

“If Dillon was bad as minister, the solution the Prime Minister resorted to is worse. Young’s wet behind the ears—no experience in anything. He’s being made minister of everything for reasons best known to the PM.

“National Security requires full attention, yet he’s holding two other portfolios. Dillon and Police Commissioner Gary Griffith both served in the army, so synergies could have developed between them. After national hopes were built up with Gary’s appointment, the PM dashed them this week with Young’s appointment.”

“cockroaches” to describe criminals, “especially when one considers the implications of the term.”

“Young, like Griffith, has no direct operational law enforcement experience. I heard Maxie Cuffie speak on television, obviously, he can’t function in his previous capacity so he’ll have light duties now,” Dumas said of the changes.

Latest Ministerial Changes Prime Minister Dr Keith Rowley on Sunday advised President Paula-Mae Weekes to: • Revoke the Housing and Urban Development appointment which Rowley held since June when he shifted Randall Mitchell to the Ministry of Tourism and Culture.

Rowley appointed Dillon as Housing and Urban Development Minister—the fifth Housing Minister, starting with Marlene McDonald in 2015, Randall Mitchell (2016-June), Rowley and ex-minister in Housing, Darryl Smith (for one day).

•

Replace Edmund Dillon in National Security with Stuart Young, who received his first full-fledged ministerial appointment as Communication Minister in June.

To handle Security, Communication and duties as minister in the PM’s office, Young’s been relieved of the portfolio he started with in 2015—Minister in the Attorney General and Legal Affairs Ministry. Attorney General Faris Al-Rawi is now solo there. Young has assistance from Ministers in National Security Glenda-Jennings-Smith and Foreign Affairs’ Dennis Moses, whose input remains.

•

Revoke the appointment of Maxie Cuffie as Minister in the Ministry of Public Administration and appoint him as Parliamentary Secretary there.

Cuffie started in 2015 as Public Administration/Communication Minister. Rowley took over temporarily after Cuffie had a stroke last September. With Cuffie in the US receiving rehabilitation since last November, Marlene McDonald was made a Minister in Public Administration/Communication in March under Rowley.

The latter relinquished the portfolio, appointing McDonald, Minister of the Ministry—replacing Cuffie—in April.

In June, the ministry was split between McDonald (Public Administration) and Young (Communication). The Government Gazette later stated Cuffie was made Minister in the Ministry. After his recent return from the US and rehabilitation after neurosurgery, Cuffie’s now Parliamentary Secretary, a nonCabinet portfolio with a lesser salary.

- Trinidad Guardian

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Toronto Caribbean | www.torontocaribbean.com | Wednesday, August 8, 2018

Biche man on trial for bloody wedding brawl TRINIDAD -- A man from Biche went on trial for chopping a neighbour at a wedding reception over a decade ago.

Steven “Powers” Samaroo, of Plum Mitan, Biche, became the first person to benefit from the Judiciary’s vacation court initiative when his trial started before Justice Gillian Lucky and a nine-member jury in the Port-ofSpain High Court last Friday.

Bisham Ramoutar testified that he was at the wedding reception in the community when Samaroo, who was also a guest, alleged attacked a friend over an unpaid debt. Ramoutar intervened and was chopped on his wrist on Au-

gust 7, 2005.

When the trial resumed before Lucky Monday, PC Durant Nieves, the police officer who eventually arrested Samaroo, took to the witness stand.

Nieves, who was assigned to the Biche Police Station, claimed that he was posted at the wedding by his supervisor.

He said around 3.10 am he saw a group of men fighting outside. When he went to investigate he found the crowd surrounding two men who were lying on the road.

As he tended to Ramoutar, who had a chop wound to his wrist, Samaroo, who was still

Griffith gets official letter

TRINIDAD -- Although he received his letter of appointment as Commissioner of Police (CoP) last Friday from the Police Service Commission (PSC), Gary Griffith is yet to pick up official duties as top cop.

In a press release issued Monday, the PSC announced Griffith as the new CoP of the T&T Police Service (TTPS) who will be responsible for directing all strategic activities of the service to promote and achieve higher levels of safety and security for the nation.

The PSC said the appointment of Griffith was in keeping with its mandate to appoint a person/people to hold or act in the Office of Commissioner or deputy CoP.

Griffith received his letter of appointment from PSC’s chairman Bliss Seepersad.

It also noted that finalisation of the terms and conditions of Griffith’s contract resided with the National Security Ministry.

In response to a WhatsApp message Monday, Griffith, who is out of the country, confirmed that he had not taken up office as CoP just yet.

“Sorry. I am still not in office even though the appointment has been given. Await-

ing this by the Ministry of National Security. Until then, there is an acting CoP who sits in the chair so it would not be appropriate of me to discuss such matters.”

There was no response to questions forwarded to Griffith as to when he is expected to take up duties as CoP and hammer out his contractual agreement with the ministry.

In a telephone interview with the Guardian Media, Griffith said his thoughts were irrelevant when asked about Stuart Young’s appointment as National Security Minister.

“That is a Government policy and the role and function of the Commissioner of Police is to work with whoever is appointed as Minister of National Security and I will do so,” he said.

Stating that the TTPS falls under Young’s ministry, Griffith said he intends to operate as a professional, serve with pride and adhered to the policies directed by Young.

“As the Commissioner of Police my job is to look at the policies that will be provided by the minister and or the National Security Council to implement those policies,” he added.

- Trinidad Guardian

armed with a cutlass, ran away.

While taking Ramoutar to the hospital, Nieves said he and his colleagues noticed a group of villagers attacking Samaroo. They fled the scene as they saw the police vehicle.

Samaroo attempted to run away through some bushes but was eventually apprehended by Nieves, who retrieved the cutlass.

Nieves claimed that when he arrested Samaroo, he (Samaroo) was dressed only in his underwear and had injuries to shoulders and legs.

“Boss, I eh chop nobody. I had to run for my life,” Samaroo reportedly told Nieves.

While being cross-examined by Samaroo’s lawyer Fulton Wilson, Nieves was quizzed over alleged inconsistencies between his evidence at the preliminary inquiry in the case and at the trial.

The inconsistencies related to his version of events over the fight between the two men and Samaroo’s arrest.

However, the issues were clarified during re-examination with prosecutor Joy Balkaran, who asked that Nieves be allowed to

review his records relating to the investigation.

The trial is expected to continue today and be completed by the end of the week.

The vacation court initiative is one of several new projects implemented by the Judiciary in an attempt to clear the backlog of cases affecting the criminal justice system.

As part of the project, judges in the Criminal Division have earmarked cases, which have been awaiting trial for long periods, to be heard and determined.

It only relates to trials for non-capital offences, as they can be completed within days or weeks during the court’s annual vacation, which started this month and ends in mid-September.

The Judiciary has also launched a fast-track court system where the cases of people, who wish to plead guilty or have maximum sentence indications (MSIs), expedited. That project, which has attracted interest from over 100 remand prisoners, is expected to come up for case management in October.

- Trinidad Guardian

Man charged with stabbing death TRINIDAD -- A 31-year-old man from east Portof-Spain was remanded in custody after appearing in court Monday charged with stabbing a woman to death, last month.

Stanley Gittens, 31, of Main Street, Beetham Gardens, appeared before Chief Magistrate Maria Busby-Earle-Caddle in the Port-ofSpain Magistrate’s Court charged with murdering Tyesha De Souza on July 29.

According to reports, around 4 am on the day of the incident, Gittens and De Souza were driving along Charlotte Street in Port-ofSpain when they became embroiled in a heated argument near to the Port-of-Spain General Hospital.

De Souza, 21, of Trou Macaque, Laventille, got out of the vehicle and attempted to run away. Gittens allegedly chased after her and stabbed her several times.

He fled the scene and was eventually arrested by soldiers, who were on patrol in east Port-of-Spain.

Although the incident occurred within walking distance of the hospital, doctors were unable to save De Souza, who died on the operating table.

Gittens is expected to reappear in court on September 13.

- Trinidad Guardian

Woman jailed for keeping drug stash TRINIDAD -- A single mother who kept a man’s marijuana stash at her home in order to obtain extra money to buy school supplies for her three children has been jailed for 12 months.

Sunita Singh, 34, broke down in tears as she was being escorted from the San Fernando Magistrates Court.

Singh, who has a previous conviction for a similar offence, pleaded guilty to possession of 230 grammes of marijuana.

Prosecutor Cleyon Seedan said around 3 pm on Sunday, WPC Marshall, accompanied by other officers of the Gasparillo Police Station, executed a search warrant at Singh’s Gopaul Avenue, Gasparillo home.

Marshall found 13 foil packets of marijuana under a wooden kitchen cupboard and a quantity of marijuana wrapped in transparent wrapping. The officer also found 200 empty blue plastic packs and a box containing 1,000 white wrapping sheets.

The police claimed Singh told them that she had given the rest of marijuana to a man to sell last Friday, but Singh claimed she only told the police that she got the illegal drugs from the man.

In asking for leniency, Singh’s attorney Annalee Girwar said her client did janitorial and domestic work but her income could not cover the cost of school books and supplies for her

children, who are aged 14, 11 and six years old.

With the school term opening fast approaching, Girwar said Singh felt a sense of hopelessness and decided to keep the drugs for the man in exchange for money. She said a church gave her a few hundred dollars but it barely scratched the surface.

Considering the quantum of drugs and the other items found, First Court Magistrate Alicia Chankar said it was clear that the drugs were packaged to sell. “Why would you leave that around your children?” asked the magistrate. Singh apologised and promised never again to find her self in such a situation again.

The magistrate asked her if she did

not learn anything from the previous time she was charged. Singh said the last time she was charged for drugs which belonged to her male companion.

“We are very aware of how hard times are,” said Chankar, who empathised with her situation. However, the magistrate said, “I am not going to sit here and condone this.” She noted that Singh had a previous conviction and like the first time was again claiming that the drugs belonged to someone else. The magistrate ordered her to serve simple imprisonment.

Singh’s relatives also left the courtroom in tears.

- Trinidad Guardian

Police, Prison bodies keen on paradigm shift TRINIDAD -- Members of the protective services are keeping an open mind over Stuart Young’s appointment as National Security Minister.

Speking with Guardian Media hours after Prime Minister Dr Keith Rowley announced the Cabinet reshuffle Monday, Police Social and Welfare Association and Prison Officers Association officials expressed optimism over the move.

In a telephone interview on CNC3’s Morning Brew programme, Police Social and Welfare Association president Inspector Michael Seales said he felt that the decision was taken by Rowley to coincide with the Govern-

ment’s nomination of former national security minister Gary Griffith to the post of Commissioner of Police.

“Of course, this is what you call a leadership strategy. You are building a new system of leadership, so there is a realignment and paradigm shift,” Seales said.

Seales also suggested that Young’s continuing role as Minister in the Office of the Prime Minister would assist him with his new portfolio.

“If he is also aligned to the Office of the PM that is a new synergy. He will be well poised of what is available to him and there would be a transfer of information, which would

resound well for the ministry,” Seales said.

He said Young’s experience as an attorney would also assist police in beginning to enforce the reintroduced Anti-Gang Act, as he would be well versed in the training and technology required for it.

Prison Officers Association secretary Gerard Gordon also expressed similar sentiments.

“I am not perturbed or concerned by matters of continuity. In fact, people hear things differently and it gives us an opportunity for us to be heard and Mr Young would have the opportunity to treat with these matters as he sees fit, in a way that brings us some sort of

satisfaction,” Gordon said.

However, he noted that there were some initiatives being negotiated by the association with Young’s predecessor Edmund Dillon, which they wished to be continued.

“We have some initiatives we were advancing and I would hope, as the professionals they claim to be, that a proper handing over process would have been adhered to,” Gordon said.

Stating that the association had dealt with a wide range of line ministers from various government regimes, Gordon said they would continue to advocate for their members.

- Trinidad Guardian

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PAGE 17

Hair Riah showcases The Art of Hair For a woman, her hair is everything. The ability to transform, and reinvent herself, lies in the ability to change her look at will, put her sexuality on display or showcase a more sophisticated, fun nature that allows her natural beauty to shine through.

Young Entrepreneur Tashauna RaeBrown comes from a Jamaican, Grenadian background, born and raised in Brampton, Ontario. From an early age, the path to entrepreneurship was very evident in her life, through the positive influences of her parent’s example and her own young hustler mentality.

“I would definitely say that entrepreneurship was my path from small,” Tashauna shares. “When I was younger I tried applying to work at McDonalds, but I was 15, one year younger than the age requirement to work there.”

Although she was able to secure an interview once they found out her age, she was unable to gain employment. However, Tashauna wouldn’t let that discourage her from finding a way to make some money.

“That experience motivated me to start my own business called Tashauna’s Tutoring Company,” she explains. “I got good marks in school, so I used my strengths in English, French, and Math to tutor younger kids.”

Her first business plan was a success, she was able to help people and parents were very happy with the results. Tashauna was able to keep her tutoring company alive until her final year of high school when the stakes were raised, her schedule got a lot busier and it was time to prepare for university.

“There was a lot on my plate, I was on various athletic teams at school, I needed to focus on my own homework, there was prom, grad and university applications to finish and on top of that I had a part-time job working at a rec center dealing with kids.”

Both of Tashauna’s parents were young entrepreneurs and they motivated her by never really going to work, but always

working. Through their own journey to success, her own ambition grew and flourished in all of the work she did and would pursue going forward.

In 2016 Tashauna graduated from Ryerson University with a with a Business Degree in Human Resource and Law.

“I started in the business stream looking to do more accounting,” Tashauna recalls those moments when you dive head first into a program realizing it might not be what it seems. “Deciding to pursue accounting was based off my getting almost perfect in high school, going in thinking it would be the easiest thing in the world but then realizing it’s not exactly what you thought it was going to be.”

Since she was still in her first year it wasn’t hard for her to change majors, and her program allowed her to get a sample of all aspects related to business management.

“I know myself,” Tashauna maintains, “I’m not a person to sit behind a computer the whole time crunching numbers so when I started taking the classes I realized this is definitely not what I want to do for the rest of my life.”

Her university experience taught her a lot about herself in terms of what she wanted to accomplish long term. It allowed her to discover who she was, and how she would inevitably choose to run a business down the road.

“I was given a well-rounded education in business, including accounting, finance, economics, and global management,” she explains. “I picked human resources because I love dealing with people and I knew no matter what career path I chose, I wanted it to do something with dealing with people in terms of hiring, making a difference in people’s lives and giving them a career path.”

In 2010 Tashauna got her first introduction into the world of wigs, weaves and hair extensions when her parents opened their own hair extensions business. Prior to university, she had no knowledge of hair ex-

tensions, she wore her natural hair, until one day her mom showed her what it’s all about.

“My mom educated me about the hair extensions they were selling at the store,” Tashauna recalls. “I would see extensions being sold for $200 and I didn’t understand why people would pay so much for it when you could get it so much cheaper at a beauty supply store.”

She soon learned that not all hair extensions were made equally. There was a difference in the quality, textures and hair reactions when it was treated with heat, or color that really made the difference when it came to buying cheap or high-grade hair extensions.

“We went to the beauty supply store, bought some hair and did tests on it, and I could immediately see the difference in how the hair would react, how it would frizz when curled or straightened while the ones my mom was selling would come out sleek and feel amazing after.”

She was immediately impressed by the world of hair extensions. Seeing how the high-quality hair could easily match your hair type, you could color it, wash it, blow dry it and it could be treated like normal hair.

Tashauna parents ended up closing the business wanting to go back to their other entrepreneurial pursuits where their passions lie.

“Although they closed it down, I found an interest in it,” Tashauna says. “I helped out in the store, working there I saw the clients when they came in and how happy they were after their purchase coming back to the store weeks later to show off their new styles.”

Tashauna started her business in 2012 knowing this was something that she had a passion for and she was committed to.

She came up with the name, the logo, and the idea behind her brand and what she wanted it to represent.

“Hair Riah is ‘hair’ spelled backward and it means ‘to flow’ in the Greek language,”

she explains “My hair is high quality and when you shake it, it just flows in the wind.”

Hair Riah is a hair and eyelash supplier providing high-quality hair extensions backed by research, education and a desire to connect and build lasting relationships with their clients.

“I want to supply my clients with good quality hair extensions, extensions that you can keep reusing and can treat as your own,” Tashauna says.

Remy air is said to be the best type of hair extensions available. Out of the entire human hair category, Remy hair gives the most natural appearance. It is the preferred choice for wigs and hairpieces because of its appealing qualities. It is also referred to as cuticle hair, virgin hair and raw hair.

“Of course you can go the synthetic route which is the cheaper alternative, but I want my company to be known as a highquality company so I made sure to do a lot of research into my products and I’m not just selling any kind of product. I researched into what I’m selling and also educate my clients into what they are receiving.”

Through her company, Tashauna is committed to her clients, from showing them through her YouTube channel how their products are made, to building relationships, and friendships where people are able to trust the products and can trust they are an honest company that wants their customers to return again and again.

“I love people, I love talking with people associating with them, people make the world, without people the world would be boring, there’d be no jobs, no fun,” Tashauna says.

“Our hard work in creating and delivering high-quality hair products through world-class environmentally friendly procedures is rewarded in the form of our thousands of happy customers.”

Written by Alyssa Mahadeo Toronto Caribbean Reporter

entertainment

PAGE 18

Toronto Caribbean | www.torontocaribbean.com | Wednesday, August 8, 2018

T&T’s Ronnie Homer ready to infiltrate Afro Soca Market.

Teams up with Jamaica’s Stacious aba@carib101.com

ENT. PUBLICIST

Internationally, major moves are being made with Soca music in mind. One multifaceted entertainer has teamed up with Jamaica’s Stacious for the promotion of an Afro-Soca vibe that he’s confident, will make heads turn and invoke enjoyment, particularly within

Stacious, a link that was made through a mutual connection. “It was only after the lyrics were sung and the song’s production was done that she realized the collaboration was with me. We’ve known each other for a long time,” said Homer.

Ronnie’s best known for his 2014 hit single, ‘Jam’. He has never stopped recording though, proving consistent in a music industry that’s pretty difficult to break into. This time around his focus is affirmed. “Right now Afro Soca is taking over, even in New York.

In Atlanta, where I live, there is a strong influence of the African culture and so

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Soca music continuously making inroads onto various markets, the US based Soca artiste is fearless in his approach. “There’s value in every effort. We don’t stop and we don’t fail; we keep learning with every step made,” he says, proudly standing firm with the music he loves- Soca.

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travel

Toronto Caribbean | www.torontocaribbean.com | Wednesday, August 8, 2018

A fun summer to-do guide

Eight questions to ask yourself when choosing your vacation destination

Do you dream of escaping the daily grind but don’t know where to set your sights? Answering these eight questions will help you make your choice.

1. What do you want to do? Do you feel like relaxing on the beach, hiking through pristine wilderness, visiting vineyards or exploring archeologically interesting sites?

2. How much time do you have? If you only have a few days for your vacation, choose a destination that’s close to home so you don’t waste any time travelling. If you’re going further afield, don’t forget to account for time zone changes when making your plans.

3. Do you like to fly? Does the idea of a long flight put you off? You can eliminate many destinations from the list if they require being on a plane for too long.

4. Is language a barrier? Would you prefer to be somewhere where the people speak your native language?

want to go somewhere where you can get a tan or, alternatively, somewhere where the air is cool and fresh?

7. What kind of scenery are you fond of?

Do you prefer mountains, bea­ches as far as the eye can see or sprawling urban areas?

8. What’s your budget? The cost of your plane ticket and the average cost of living at your destination are two things to con­sider. A quick online search should yield countless tips for travelling on a budget.

Finally, no matter how you answered these questions, don’t hesitate to consult a travel agent about your trip. He or she will be able to recommend great destinations that perfectly suit your tastes.

Ice cream parlours: so many pleasures to discover!

Do you have fondness for fruit? Let yourself be seduced by a delicious sorbet or a

2. Attend a festival: the warm months are festival season. Festivals are often held to showcase different kinds of music, different styles of dance from around the world and even circus acts.

textiles, photographs, etc.)

5. Discover heritage sites: follow a heritage tour or chart your own course to visit the past at nationally recognized sites of historical importance. You can visit old historical buildings or important religious sites, for instance, to learn more about the past in your region.

6. Go to the library: from story time to readings to book clubs, libraries of­f er a lot of great cultural activities for all ages.

7. Taste local or exotic foods: speciality restaurants, boutiques that focus on locally produced foods, vineyards, food festivals — there are plenty of ways to make delicious discoveries all summer long.

3. See a play: there’s nothing like a summer play. Or, why not bring the kids to see a puppet show? These are great ways to forget your worries.

Five things to consider when hiking with your baby

6. What climate do you prefer? Do you

Have you already set your sights on gelato?

This artisanal ice cream has a light texture and contains less fat and air than traditional ice cream. Creamy to perfection and served slightly less cold than regular ice cream, gelato is available in many diffe­rent mouth-watering flavours. Are you more of a cappuccino or a mint-chocolate-chip type of person?

This year, why not take advantage of the summer season to learn more about local history, discover another culture’s traditional art forms or enjoy some live music? In short, soak up some culture! Interested?

Here are seven fun ways to add some culture to your life this summer:

1. Visit a museum: your local museums and interpretive centres offer exhibits and activities focusing on nature, history, science, technology, and transportation. They’re great choices if you’re passionate about any of these topics or just curious to learn more.

4. Discover local art: art galleries, art boutiques and artists’ workshops all offer sights that will impress (oil paintings, ceramics, glass,

5. When do you leave? If the dates of your trip are fixed, avoid destinations where the weather is unpleasant at that time of year (if it’s mon­ soon season, for instance). Similarly, if you’re planning a last-minute trip, don’t choose destinations that require special arrangements such as man­ datory vac­ cines or complicated visas.

Traditional-style or soft serve, plain or dipped, ice cream is without a doubt the queen of summer treats. But ice cream parlours offer a wide variety of delicious treats, meaning that you can have an almost infinite number of new experiences. This summer, be sure to answer the call of novelty every once in a while by trying a new kind of frozen delight.

This summer, soak up some culture!

frozen yogurt in whatever flavour you prefer. If you’re vegan or have food intoleran­ ces, there are products for you too. Sorbets contain no eggs or dairy, so virtually anyone and everyone can enjoy this tasty, frozen treat.

Do you need a little refreshment? Why not have a drink? Milkshakes, slushies and floats will delight your taste buds. If you’re set on simply having ice cream, you can try new flavours, dips, or cones. You could also have one of the many desserts that feature ice cream as a component: sundaes, parfaits, mix-ins, banana splits, brownies, waffles and shortcake, to name just a few.

Let yourself be tempted by the world of flavours and textures available during your next trip to the ice cream parlour.

Do you like to walk the trails with your baby?

Here are five important things to consider before you leave for your hike.

child from the worst of the heat and sun in the middle of the day (and be sure to dress your child in long sleeves and pants).

1. YOUR CARRYING SYSTEM A baby sling is recommended for infants.

As soon as your child can sit up and support his or her own head (typically around six or seven months old), you can move on to a baby carrier specifically designed for hiking (these can typically be adjusted to grow with your baby). When shopping for a baby carrier, ask for recommendations and try before you buy to ensure that you choose a model that’s comfortable for both you and your baby.

4. YOUR BABY’S SCHEDULE If you child has regular eating and sleeping patterns, be sure to plan your hike accordingly.

2. THE TYPE OF HIKE It can be difficult to keep your balance while carrying a baby who can move unexpectedly. When hiking with your baby, it’s better to avoid risky or difficult trails. What’s more, if you’re carrying your baby in front of you, you may have difficulty seeing where you’re placing your feet. Paths that have many obstacles should therefore be avoided. Similarly, you shouldn’t take a baby that’s less than a year old above an altitude of 1,500 metres.

3. THE WEATHER Avoid going out if the weather is too cold or too hot. Also consider only hiking in the morning to protect your

5. ESSENTIAL ACCESSORIES First aid kit, sunscreen, sunglasses, a hat (remember there might be wind so find a hat that can be secured on your head), mosquito repellent, and an emergency poncho are just a few of the items you’ll need. Don’t forget a pacifier or some other kind of toy.

A pocket mirror can also be helpful for keeping an eye on your baby.

Finally, be sure to take regular breaks. Rest for at least ten minutes every hour so your baby can stretch his or her arms and legs.

Take longer and more frequent breaks as soon as you’re higher than 1,000 metres (important to prevent ear infections).

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Wednesday, August 8, 2018 | www.torontocaribbean.com | Toronto Caribbean

Four good reasons to get married during the winter The idea of getting married during the winter might sound rather bold, if not outright grim. But winter weddings actually have quite a few upsides! Here are just a few.

1. LOWER COSTS Getting married in the wintertime will save you money. How? For one, you’ll be purchasing your attire at a slow time of the year for merchants. What’s more, florists, decorators and caterers may be more willing to negotiate.

2. SCHEDULING FLEXIBILITY It’ll be a lot easier to secure reservations for your big day: churches, reception halls, caterers and entertainers are all usually less busy during the winter.

3. SEASONAL MAGIC Get inspired by the magic of winter to add a special touch to your wedding.

Turn heads by making a grand entrance aboard a horse-drawn sleigh or a dogsled, and have your photographer capture the wedding party under sparkling, frosted trees.

4. COZY MEMORIES Treat your guests to the coziest of weddings by serving them hot beverages by the fire or giving them warm blankets as a gift.

Choosing the right date for a bachelor party One of your duties as best man is to plan the groom’s bachelor party. But before you book the venue, you’ll need to carefully consider the date on which the party is to take place. The wedding’s success might depend on it!

Tradition states that the future groom say goodbye to his single lifestyle a few days before he gets married. But beware — planning the event for the weekend before the wedding is a bad idea. Your friend might be too stressed out by last-minute preparations to fully enjoy his evening. And you can forget about making it the night before the big day: no one wants to walk down the aisle with a hangover.

Your best bet is to set the date two or three weeks before the wedding. Survey your guests about their availability and be sure to consult with the brideto-be. She’ll be a valuable ally, especially if you’re planning a surprise.

Contact the bridesmaids as well to find out when the bachelorette party is scheduled. Planning both events on the same day is a good idea. The two groups could even get together at the end of the night.

Winter weddings are both highly romantic and budget-friendly.

WEDDING RECEPTION

Goodies to keep the party going If you’re worried about an empty dance floor at your wedding reception, why not treat your guests to wedding favours that’ll get them in a festive mood?

BUBBLY DUO Give your guests a bottle of sparkling wine to open during the evening and attach a jar of bubbles to complete the gift.

Kids in attendance will have a ton of fun with the bubbles while the adults raise their glasses. For breathtaking photos, request that attendees blow bubbles as you start your first dance.

SLIPPERS Put slippers at your guests’ disposal. As the evening progresses, those in high heels will be happy to have something more comfortable to wear on the dance floor.

DIY COCKTAILS Give each guest a personalized glass to take home. Include a miniature bottle of liquor and a note inviting them to create their own

PAGE 29

Glow sticks! Streamers!

Beach balls! Provide your guests with fun party accessories and watch the dance floor light up.

cocktail. All that’s left is a trip to the bar to find some mixers.

LATE-NIGHT BITES Whip up a homemade treat to munch on as the evening nears its end. Lay out cookies, chocolates or assorted candies for the sweet-toothed among your guests, and prepare seasoned popcorn (try dusting it with curry, paprika or chili powder) for those who prefer a salty snack.

Six inspiring wedding dress trends Whether you dream of an endless train, a bold twopiece or a ballerina-inspired crinoline, there’s a wedding dress out there that’s just right for you. Here are a few trends to inspire your wedding-day attire.

1. KEEP IT LIGHT This year, light, airy fabrics are everywhere. Stay clear of thick, compact materials, which weigh down the silhouette. Embroidered feathers are a great way to add an ethereal touch to your gown.

2. DARING NECKLINES Transparency and lace are popular this season, as are illusion necklines (covered by a light, sheer fabric) and deep, plunging V-necks. Corsets are as essential as ever.

What style of wedding dress will you be wearing when you walk down the aisle?

3. 3D DETAILS These days, the biggest names in haute couture have been showcasing a variety of dresses featuring 3D floral embellishments. Lace and rhinestones are also stylish ways to add texture to your gown.

4. BOLD BLACK Black has been making an appearance on runways worldwide. While most designers use it in small touches (on hats, sashes or gloves, for instance), some are daring to unveil all-black dresses. Silver, grey-blue and light blue are also fashion show mainstays this season.

5. SHOW-STOPPING SHOULDERS Bare shoulders are on trend. Popular dress styles include strapless, halter and off-shoulder.

6. DON A BOW Oversized bows are stealing the spotlight, especially as belts. Worn over the shoulders or in the back, they can even replace the traditional train.

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Wednesday, August 8, 2018 | www.torontocaribbean.com | Toronto Caribbean

Should you warm up before a short workout?

Do you only have a short amount of time to workout and you don’t want to “waste time” warming up? Big mistake! Warming up is a crucial step that should never be left out. It allows you to both improve your performance and, most importantly, reduce the risk of injury.

You can get your body ready for physical exertion with one of the following:

1. A general warm-up: A few minutes of walking or cycling, for example, will allow you to raise your body temperature.

2. A targeted warm-up: Do exercises that are similar to the movements you’ll be performing during your workout, focusing on the muscles you’ll be using.

Still don’t feel like you have enough time? Warming up doesn’t necessarily mean that your workout needs to take longer.

Simply starting gently and progressively increasing the intensity of your workout is a warm-up in itself.

Need help choosing your exercises? Ask a professional trainer or a physical therapist.

Warming up is crucial to reduce the risk of sports injuries.

Office ergonomics: alternating between standing and sitting is best Back pain, stiffness, varicose veins, numbness — working in a seated position for hours on end can lead to various issues. Being sedentary is also problematic, as it increases the risk of diabetes and heart disease, among other things. However, standing for a long period of time can cause back and leg problems.

The best approach is to regularly alternate between a seated and standing position. This also helps improve work productivity. However, expert recommendations vary: some advise a change in posture every 20, 30 or 60 minutes, while others suggest not working in a standing position for more than five or 10 minutes per hour.

No matter what you decide is best for you, make sure your work position is ergonomic.

Whether you’re standing or sitting, your hands, wrists and forearms should be parallel to the floor; your elbows, close to your body; your shoulders, relaxed; and your head, straight or slightly tilted forward. Your computer screen should also be at eye level, or just below it.

When standing, make sure you’re wearing good shoes and periodically shift your weight from one leg to the other. Finally, an anti-fatigue mat could also be a valuable asset.

Alternating between a seated and standing position allows you to reduce the risks linked to a sedentary lifestyle.

PAGE 31

Choose the right yogurt Greek, plain, drinkable, light — with so many options at the grocery store, how do you choose the very best yogurt? Here are five things to consider.

1. Ingredients. Yogurt is made of milk and active bacterial cultures. However, gelatin, colouring and artificial sweeteners are sometimes added. Look for the shortest ingredient list.

2. Calories. The number of calories shouldn’t exceed the number of grams in the package.

3. Fat. Opt for yogurt with zero to two per cent fat content.

4. Sugar. Choose products with no more than 15 to 20 grams of sugar per 175 gram serving. Flavoured yogurt usually contains a lot of sugar. Your best bet is to buy a plain variety and liven it up to your liking (with fruit and honey, for instance).

5. Calcium. Choose a yogurt that provides at least 15 per cent of the daily recommended intake of calcium in a single serving.

Have you heard of kohlrabi?

Kohlrabi is reddish-purple or pale green cruciferous vegetable (like turnips and broccoli) with a crunchy, juicy flesh.

People with irritable bowel syndrome may have a hard time digesting cruciferous vegetables such as kohlrabi.

It’s sweeter than radishes, turnips and cabbage and is packed with vitamin C. Vitamin B6, copper, manganese and potassium are also among its many nutrients. Kohlrabi has been shown to help prevent certain types of cancer (including breast and prostate cancer), reduce the risk of heart disease and slow cognitive decline in older women.

And since it’s low-calorie and low-fat, there are no downsides to including kohlrabi in your diet. Crush it, grate it, roast it, eat it in a soup or toss it into a salad — the possibilities are almost endless. Its leaves can also be consumed, just like spinach.

Vertigo or dizziness?

You get up and the room starts spinning.

Is vertigo or dizziness to blame? The answer might surprise you: it’s vertigo.

Vertigo involves a spinning feeling, kind of like when you get off a merry-go-round.

If you feel that everything around you is spinning or that you yourself are turning in circles, you have vertigo. It may be caused by an inner ear disorder (vestibular neuritis or labyrinthitis, for instance) or a neurological issue. If there are other symptoms, such as a severe headache, speech impairment or double vision, you should see a doctor immediately. It could be a stroke.

Dizzy spells, on the other hand, are characterized by a feeling of instability and trouble with keeping one’s

balance, as if the ground were moving.

Dizziness can be caused by many factors, including fatigue, stress, the flu, hypoglycemia and pregnancy. If you have regular dizzy spells, it’s best to see a doctor.

PAGE 32

yoga

Toronto Caribbean | www.torontocaribbean.com | Wednesday, August 8, 2018

Savasana TRISHA CURLING

trishacurling@carib101.com

YOGA SPECIALIST

Savasana…easy right? “The best pose” people often say with a little humor. After all, we’re just lying on our backs, right? As usual with any asana (pose) there is much more going on than meets the eye.

Savasana is often found at the end of a class and serves as a time of rest and/ or closure for the practice completed. This does not mean, however, that we don’t see it during our yoga practice or as a standalone. There are also a few variations of the

pose to maximize the benefits for our individual needs.

What are the Benefits?

Savasana has the ability to provide a decrease in stress. It provides the body an opportunity to rest. This rest offers the necessary balance within the nervous system (between the sympathetic and parasympathetic systems). When we give ourselves time to do this, we teach our bodies to respond with a new pattern to stress and tension.

How do we tap into this?

I would usually say that the first thing to access or consider is our breath, but I might argue that finding a comfortable position first, will allow us to access the breath much better. If we are comfortable, we will more easily be able to focus on the quality of our breath. This is where the variations

come in.

The “most common” as I mentioned is simply laying on our backs with arms and legs straight out (I usually encourage my students/clients to place arms out at roughly a 45 degree angle with palms facing up, to tap into the deeper pectoral muscles to contribute to a more optimal posture in all planes). This may be uncomfortable, however, for those that suffer from lower back pain. In this case, I would offer a couple of other variations.

One option is to place a bolster (a type of yoga pillow or cushion) under the knees for a little bit of elevation and lengthening of the sacrum.

Another option is bending the knees and placing the lower legs and feet up on a chair. This variation can provide even further relief for the lower back and abdomen (this option may not be available in a class setting depending on the type of

class chosen).

After finding comfort, we can now tap into the breath and softening of the body. This can prove very difficult when our minds are sometimes racing. If it’s not possible to turn off our thoughts sometimes, that’s totally normal and letting it go will be more settling than trying to fight it.

This is why Savasana may feel more difficult than other poses sometimes.

Savasana is an opportunity for stillness, silence, breath, calm, and possibly internalizing the sensations of the practice beforehand. A great way to deepen the pose is to imagine all parts of your body softening and/or settling towards the earth.

Allow your Savasana to provide all that it has to offer whether you practice yoga or not. Give it a try, lay on the floor or a yoga mat and take it all in.

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PAGE 34

community

Toronto Caribbean | www.torontocaribbean.com | Wednesday, August 8, 2018

The Art of Winning Part II; Growth through pain and experience is essential SIMONE SMITH simone@carib101.com

HUMAN SPECIALIST We are mid-summer Toronto, how are you feeling?

Thank you again to all of my readers, the supporters, advertisers and advocates of the Toronto Caribbean Newspaper. We grow because of your support and feedback, and I personally appreciate how much you have supported us.

This is why giving back to you all is important. I continue to learn and to grow, so that I am better able to answer your life provoking questions, and to provide alternative perspectives.

This week I have decided to continue with a review of “The Art of Winning,” by Matshona Dhliwayo. This book has had an impact on how I perceive life, and I thought it would be interesting to share it with you. Let’s pick up from last week’s section: Rule 26: When your efforts are greeted with apathy, stay confident. When your efforts are greeted with criticism, stay positive. When your efforts are greeted with ridicule, stay optimistic.

When your efforts are greeted with applause, stay humble. When your efforts are greeted with

acclaim, stay determined.

It is very easy to just give up when you are not getting the results that you think you should be getting. This is a familiar feeling for me, and yes, at times I do get discouraged, and this can lead to self-blaming, clouded thinking, and anxiety. Stay creative. Step away from the task and return to it a day or so later. You will be surprised at what fresh eyes on any subject can do.

Rule 28: Thinkers educate the world. Dreamers inspire the world. Helpers improve the world.

Doers change the world. Inspire men to think more, motivate them to love more, influence them to do more, and embolden them to become more.

Don’t you get it; it is not about you?

I think only those who are truly aware of their ego can understand what I mean when I say, it is not about you. The gifts we have been given, the intelligence and knowledge we have collected, our ability to do is all for others. Selflessly living your life is a conscious type of living. You are not just helping for the accolades and awards that come with it; you are doing so because you realize you have been put here to serve a purpose.

Your purpose is truly served when others are benefiting in a positive way.

Rule 38: Be smarter than others imagined. Be braver than others anticipated. Be stronger than others calculated. Be better than others envisioned. Create answers where there are questions. Create solutions where there are

problems. Create advantages where there are obstacles. Create opportunities where there are roadblocks.

I remember that my dad used to say to me, “Simone, don’t depend on how you look, because there is always someone out there who looks better than you do.” This was a worthwhile lesson that I currently apply to every part of my life. I know that I am an intelligent woman; I have awards, certificates and diplomas to prove that.

This means nothing, nothing at all if I just rely on my past achievements. You have to aim to want more for yourself; how else can you help others change if you stay the same.

Rule 39: Avoid scoffers. Ignore doubters. Reject mockers. Surprise detractors. If stars shine in the midst of darkness, flowers bloom in the midst of dirt, camels flourish in the midst of droughts, and diamonds form in the midst of pressure, a champion can rise in the midst of hardship.

I wanted to end with this one because regardless of your status in life, you will have to deal with scoffers, doubters, mockers and detractors. Through all of this, you must push. You must push not to prove it to anyone else, but to prove it to yourself. When you have accomplished something powerful, it cannot be taken away from you. Even if illegally copied, at the heart of it, it is still yours. Stay focused on your goals, continue to learn from your mistakes, and continue to manifest by learning each and every day. Thank you for your time Toronto.

Creating a vision for your life 1.

COLLEEN LINDBERG colleen@carib101.com

2.

LIFESTYLE COACH It’s a common theme in our lives now to hear about visions for your life. Before we heard a lot about it in the business communities, companies creating visions, but nowadays it’s super common to hear about visions for your life.

One way you can do this is to create a vision board for yourself. It’s a board made up of things that you want to have in your life. It could be a representation of weight goals, health accomplishments, love relationships, family goals, career etc. Really anything you want you can put on this board. I have made numerous boards in the past for all different reasons and there is actually a finesse to making them. So, let me share with you the six steps to vision boarding.

3.

4.

You have to flip. What that means is you have to find magazines, cutouts, pictures of the things that you want. Online, in stores and pretty much anywhere. This is usually the step that takes the longest.

Once you have all the pictures I want you to sit with your desires and come up with a line or two that represents the images. (ie: a successful billionaire woman in love with life and full of love, or how about this: A carefree man, madly in love with his spouse who travels the world impacting lives). Once you have that line, I want you to write in the center of the board, then we are going to arrange the pictures over top of it burying it.

Next up, sort and arrange. Sometimes our boards have themes or things that go together. Before you paste it down, start to put the images down in a way that feels right to you. You might have some patterns on the board, or not. Totally up to you! This is your board of dreams, so arrange it as you like.

Then comes the pasting. It’s’ time to lock it

5.

6.

all down Step 5 is a fun one. Decorate and display. I pick up glitter, glam stickers, sticker words, pearls etc. to add some glam to my board.

It’s completely optional but some people really resonate with décor items. This is your board, glitz it up as you please. Once it’s complete then it’s time to display it. Put it up where you can see it every day. I have mine on my office wall, so I walk in it’s a dominant thing I see daily. It helps me to ground, I remember why I am doing all this and it makes me happy to see what life is going to be like!

Lastly, it’s now time to act. Without the action piece, we won’t be able to manifest all the cool things on our board. Our job is to keep following our intuition and moving in directions to take action.

A lot of the time people feel that they should only make vision boards at the beginning of the year, I say make them anytime you want! This world is here for us to experience and grow into.

Have fun in the process and let’s start manifesting all the amazing things you want in life!

Wednesday, August 8, 2018 | www.torontocaribbean.com | Toronto Caribbean

life

PAGE 35

Protecting your assets from creditors after your death VALERIE DYE valerie@carib101.com

LEGAL SPECIALIST

When a person dies owing debts, these debts do not disappear. Creditors need to be paid out of the deceased’s estate before any distribution of the assets to the beneficiaries. The executor of the deceased’s estate has to be very careful to advertise for creditors and ensure that all debts are paid. If this is not done the executor may become liable for those debts.

The deceased’s debts are to be paid from his estate, and as such if the estate is insolvent the beneficiaries do not need to

pay creditors out of their own money. The creditors will simply not be paid.

Bearing in mind that creditors are paid out of the estate of the deceased, how can persons ensure that they make provisions for their loved ones without fear that creditors will claim their assets.

Section 196 of the Insurance Act states that: Where a beneficiary is designated, the insurance money, from the time of the happening of the event upon which the insurance money becomes payable, is not part of the estate of the insured and is not subject to the claims of the creditors of the insured.

This provision in the Insurance Act provides a means of protecting assets from creditors so that provision is made for beneficiaries. It is important to note that if the deceased has a life insurance policy and no beneficiary is named, the proceeds of the policy become part of the estate and as such any debts

owed by the deceased to creditors will be paid from the proceeds of the insurance policy. If a beneficiary is named in the insurance policy the proceeds of the estate do not pass to the estate and creditors cannot claim any part of the proceeds.

RRSP’s are treated in the same way as insurance policies, provided that a beneficiary is named on the RRSP.

The case of Amherst Crane Rentals Limited vs Arlene Clare Perring provides an example of the treatment of RRSP’s after the death of the deceased. In that case, the deceased named his wife as beneficiary of three life insurance policies valued in excess of 1 million dollars and two RRSP’s valued at $117,000. He owed the sum of $53,000 to Amherst Crane Rentals. His estate was bankrupt as he had no assets to pay his debts.

Naturally, Amherst Crane Rentals sought to obtain payment from the proceeds of the RRSPs. Amherst, being aware that the insurance proceeds were not available to pay

the debts, incorrectly assumed that a claim could be made against the RRSPs.

The Ontario Court of Appeal upheld the ruling of the lower court stating that since the wife was designated a beneficiary of the RRSP’s these funds did not pass to the estate and therefore could not be claimed by creditors.

An important distinction is that during the life of the deceased, creditors can claim the proceeds of the RRSP even though a beneficiary is named. After death, however, the RRSP does not belong to the estate once a beneficiary is named and a creditor has no claim to those proceeds.

The key is, therefore, to name designated beneficiaries of life insurance policies and of RRSP’s in order to ensure that money is left for your loved ones which cannot be claimed by creditors in the event that your estate is insolvent.

Minimize summer loss KATHY McDONALD kathy@carib101.com

SCHOOL TRUSTEE

So, you have packed your lunch and explored your history. It’s now time to take a deep look at summer loss and how to counteract its negative effects. Summer loss refers to the loss of information that kids learned during the academic year after the traditional summer vacation. According to the Summer Activity Book: Creative Learning for Kids “If they do not practice, children lose, on average, more than two-and-a-half months of what they learned in the previous school year- mainly math skills. That’s one day of schoolwork for every weekday of vacation.”

While there are several schools of thought regarding the concept of summer loss from my personal experiences when kids are engaged in learning activities over the summer they fare better in school. The summer months have always been the ideal time to help students that are at risk of falling behind catch up with their peers. As a tutor, I have seen the tremendous positive impact this has on student achievement. Now it is not all workbooks and rote learning.

Farmers markets provide an excellent opportunity to learn about math sci-

ence, music, and arts. If you walk around your neighborhood you will see that there is often a plethora of free family fun from free outdoor movies to concerts in the park.

Farmers markets are a fun fresh and healthy way for families to learn and have fun together. So simply do a bit of research about such activities in your area. In Brampton, we have our farmers market in downtown Brampton at Main and Queen Streets from 7 am to 1 pm on Saturday mornings. There is also a farmers market at Mount Pleasant which runs on Thursday evenings from 4-9pm rain or shine. Did you know that from 7-9pm in Brampton at Gage Park you can bring your lawn chair and enjoy inspirational music in the park? On Thursday families can enjoy free local music from various bands.

Again, this event is free and runs from 7-9pm at Gage Park. This is a great way to expose your children to musical instruments without a hefty price tag. The bands and orchestras that perform are world class. So, do not delay get outside and explore.

I will always promote learning adventures that the family can participate as a whole. However, there is no escaping the individual time and practice that a student needs to put in for themselves. According to The Summer Vacation Activity Book researchers believe that “a fundamental cause [for summer loss] is lack of educational materials in the home. The best solution is to keep kids learning over the summer through rich, motivating and effective educational activities.” My mantra for success in math is a simple one. Ten problems a day keep failure away. Kids as young as three or four can be

given simple addition questions for example 1+1=. They can be encouraged to count objects or draw circles on a paper until they can do it mentally. As the students get older the difficulty of the problems will naturally increase.

Math has gotten a bad rap over the years. It is really not as complicated as we think. In attempting to solve any math problem one can only do one of four maneuvers: addition, subtraction, multiplication or division. The machination comes from knowing when to do each manipulation. This is the beauty of practice. The more you practice the more one’s math skills increase. I remember speaking to a reputable professor of medicine from McMaster University who declared “the hardest part of medicine is getting into medical school”. This cardiologist said he could teach someone to operate on hearts that have never been to medical school. One would be exposed to so many permutations and combinations of heart abnormalities that one will be able to operate on any heart. This example illustrates that if one practices any skill adequately they will eventually master it.

The dollar store is a good starting point for finding reasonably priced workbooks and teaching aids. There are also many department stores as well as stores that sell educational supplies and resources.

Parents, you can even get creative and time permitting, make up 10 questions each day for your children. If children are learning French encourage them to select French as their language of choice from the menu selection. Instead of watching Frozen 10 times

in English let the kids try it in French. They already by this point have a good idea of the dialogue so it will give them an opportunity to be exposed to the language and they will be able to follow along with the movie the 11th time around. They can also put on closed captioning in different languages too.

Never ever stop learning. Be committed to be lifelong learners. Your brain craves any opportunity to have its synapses fired up. The adage if you don’t use it you lose it holds true especially for the brain. See all adventures as learning opportunities as well as encourage your children to develop a great work ethic by doing some academic work each day. So, journey with me as we strive to make our children their best versions of themselves.

I would also like to strongly suggest that while you participate in some of these incredible adventures, don’t forget to try and minimize “summer loss”. According to a Harvard Education twitter feed “on average students lose about 2.6 months of math learning over the summer” The suggested the following four tips to help beat the summer math slump. They are as follows: highlight math in everyday activities, read short math stories together, play math games and find small ways to practice math at home. Next week I will be providing ample ways to make learning fun over the summer holidays. So, continue journeying with your children or members of your “village” over the summer and explore your surroundings. Walk Good!

Belle Marché.

PAGE 36

life

Toronto Caribbean | www.torontocaribbean.com | Wednesday, August 8, 2018

Creating justice with our words BRITTNEY CHANNER brittney@carib101.com

JUSTICE WARRIOR

Last Thursday as I was on my way to work, I helplessly overheard a conversation a woman was having with the bus driver. The woman was describing her concerns regarding the progression of the Regent Park Housing Development in Toronto. She proceeded to state that the newly developed condos pushed all the “bad people” out of Toronto and forced them into the City of Brampton, which unfortunately is the reason why Brampton has become a “crime-ridden city.”

As I tried to respectfully decipher the validity within her statement, I found myself noticing how impressionable the bus driver was.

At no particular time in the conversation did he question the legitimacy or the substance of what the passenger was saying.

He accepted everything she had said as fact without a doubt. He proceeded to shake his head in disapproval at the information and responded with gratitude to the fact that he did not have to live in Toronto.

The point that I am gearing towards is the importance to watch our words and what we say regarding the discrimination or the oppression of those around us or in other countries. It is equally important to ensure that when discussing matters that involve sensitive or controversial material, we find the time to validate our resources in order to prevent misleading or false information from being spread. When we as human beings look at the idea of justice, some of us only adhere to the physical component which consists of protesting, boycotting or the teachings that emulate what justice is.

However, justice is not only attained through the actions of individuals but through our words and how we convey to others the experience and events that create injustice in the first place.

Every day, we are bombarded by different forms of media that inform us about a variety of events that happen within the city. The viewing audience then has the choice to accept what has been reported to them or choose to investigate the issue in

more detail, in order to become fully aware of the situation, allowing for proper and accurate dialogue. Unfortunately, a majority of people choose to rely only on one source of information regarding a controversial issue instead of exploring a situation in more depth. What this results in is misconstrued views, biased arguments and inaccurate explanations that do not fully represent the truth or the overall foundation of a story.

When this happens, conversations like the one mentioned earlier begin to happen and those who are unaware of these controversial events become impressionable and ingest ignorance.

Throughout time, we have seen the consequences of what happens when one chooses not to investigate thoroughly the facts behind an inquiry. With ignorance being one of the main outcomes of a poorly examined subject matter, we can see how stigma is created and developed throughout society; which makes comprehension of serious issues difficult. For example, the topic of mental health was heavily stigmatized for many years due to ignorance and false opinions that were treated as fact.

These inaccuracies prevented people from developing their own opinions through research which essentially resulted in people accepting the floating views that commonly existed during that time.

Creating justice with our words is a crucial attribute when fighting wrongdoings because it allows for proper communication and education about matters of concern.

Our words are able to offer solutions and viable insight on what we as a society can do to implement change. Our words are very powerful and can have the ability to produce action or recycle intolerance. It is necessary that when speaking to others on matters of discrimination, injustice, and oppression, we seek out all valid facts and conduct proper research to ensure that we are not expressing our own personal opinions to inquiring minds but articulating all the underlying details surrounding a particular circumstance.

Justice is a right that should exist for all human beings around the world but unfortunately, not everyone is guaranteed this right. Being an advocate for justice is one of the many ways of creating change and educating others around you. Regardless of how you choose to combat injustice, it is important to note that justice can be created through the words you speak.

Wednesday, August 8, 2018 | www.torontocaribbean.com | Toronto Caribbean

Creating privacy in the garden and on the patio Are you tired of letting your neighbours spy on your yard to their heart’s content?

Beyond fen­ces and hedges — which are practical for back­yards, but not so much for urban patios — there are countless ways to shield your outdoor space from prying eyes. Here are a few to get you inspired.

SMART ARRANGEMENTS Various arrangements can allow you to enjoy your backyard in perfect privacy.

Consider awnings: a simple sheet of fabric over your meal area or outdoor living space is enough to block the view of neighbours whose windows have a bird’s eye view onto your yard.

NATURAL SCREENS Take advantage of the natural properties of plants such as sedges and climbers — the latter of which grow incredibly quickly and require little maintenance — to create a vertical garden. Clematis, honeysuckle and climbing roses, for example, will embellish your patio with their colourful flowers, while the dense foliage of vines, lichens and hops will create a magnificent screen of greenery. Walls, fences, lattices, arbours — there are tons of different structures your plants can climb on.

Similarly, you could frame your outdoor seating with a wooden structure to create a sort of outdoor alcove. A nice folding screen, some decorative curtains suited for outdoor use or a booth with a very high backrest are all great ways to block outside views.

With a little imagination, you can easily create private, secluded areas on your property.

home & garden

PAGE 37

Four easy-to-grow outdoor plants Are you a gardening novice looking for some easy-to-grow plant varieties to get started with? Here are a few foolproof options for you to try this summer.

1. MARIGOLDS Deep golden yellow marigolds grow easily and require little maintenance: all you’ll need to do is remove wilted flowers as they appear and water when the weather gets really hot. Their pungent smell acts as a natural repellent against aphids, among other pests.

4. GERANIUMS Colourful and easy to care for, geraniums only require a little bit of effort. You’ll need to regularly remove wilted flowers and yellow leaves to stimulate healthy growth. Water them with fertilizer-enriched water once the surface of the soil is dry.

Ready to get your hands dirty? For surefire success in the garden, ask the experts at your local plant nursery or garden centre for advice.

2. TUBEROUS BEGONIAS Tuberous begonias grow to be about 30 centimetres tall and wide. These bulb plants grow in full sun or partial shade, in fresh, well-drained soil. They come in all sorts of shapes and colours, from yellow to pink to bright red and even white.

3. COSMOS These large flowers are perfect for flowerbeds. They bloom throughout the summer and attract butterflies. Plant them in full sun and don’t over water, as they prefer a drier soil. Using compost is not recommended for cosmos, which would become too big and require a tutor.

Furthermore, sometimes it only takes one strategically positioned large plant (palm tree, hibiscus, etc.) to create a privacy screen. Something to consider!

Grasses and climbing plants are precious allies when it comes to shielding your patio from prying eyes.

In addition to being easy to grow, marigolds act as a repellent against certain insects like aphids.

Three golden rules for garden walkways Walkways can serve several purposes in the garden: they let you move around freely throughout the different parts of the yard; they confer visual structure to the overall landscape; and they constitute an essential aesthetic component. Follow these three rules to make your walkways both beautiful and functional.

1. ADEQUATE WIDTH Your main walkway (the one leading to your front door) should be at least 1.5 metres wide to allow people to cross paths without difficulty. For secondary walkways, a width between 80 centimetres and 1.2 metres is sufficient for foot traffic and wheelbarrows.

2. HARMONIOUS MATERIALS Brick, gravel, natural stone — there are all kinds of materials in all shapes and sizes you could use for your walkway. To make the right choice, consider not only your budget but also the style of your home and your garden. Concrete, for instance, is perfect for an urban garden, while natural stone is ideal for a more rural landscape.

3. A SOLID BASE For stable, durable walkways, dig up the ground, put down a geotextile tarp to prevent weed growth, and then add a layer of sand before laying down your covering of choice.

Your walkways should ideally sit slightly below grass level to make it easier to mow the lawn. They should also be built on a slight incline to prevent water accumulation.

Furthermore, make sure that the surface you choose isn’t too smooth to prevent falls.

Call upon a landscape architect to design the perfect walkways for your yard.

Build your own backyard bar this summer Do you basically live on your patio during the summer? Then why not set up a bar area to have everything you need to prepare refreshing cocktails — and tasty snacks — close at hand? Tempted? Here are some things to consider.

First off, determine how you’ll be using your bar. For instance, would you like to be able to enjoy it on rainy days or late in the season? You’ll also need to think about how you’ll shield the area from the sun, wind and rain (you could use an awning, for example). Furthermore, to choose the right location for your bar, consider the logistical aspect of water and electrical hookups.

permanent bar area that can weather the winter? In either case, choose materials that are resistant to weather damage and UV light. Wood (teck or cedar), braided resin, composite, stainless steel, stone and brick, are all good choices. Just make sure the materials you choose match the look of your home.

Finally, don’t neglect the safety aspect. As you’ll likely be using your bar during the evening, you’ll need adequate lighting both for the area itself and the path leading up to it. For the rest, it’s all a matter of taste: exotic or modern; chic or rustic; what does your dream backyard bar look like?

Are you looking to build a temporary setup (adding a counter during the summer, for example) or a

With a bar area in your yard, you’ll have everything you need to whip up fun evenings in good company.

PAGE 38

automotive

Toronto Caribbean | www.torontocaribbean.com | Wednesday, August 8, 2018

SUBARU targets families Two Subaru models are in the spotlight this fall.

First off, there’s the new-generation 2019 Subaru Forester. Its only available powertrain is a 2.5-litre 4-cylinder whose output was upgraded from 170 to 182 HP. Torque-wise, things were kept virtually the same, with 176 lb.-ft. for the 2019 compared to the previous generation’s 174 lb.-ft.

In order to keep up with the competition, Subaru

built the Forester on a new chassis and upgraded its technological components.

The second newcomer is the Ascent. Subaru is exploring new horizons with this three-row SUV, the largest vehicle ever built by the brand to date.

With enough room to seat eight people, the Ascent will be sold in Canada starting at $35,995.

Like all other Subaru models, its standard equipment includes all-wheel drive and the EyeSight safety system, which covers an electronic security perimeter. Four versions of the Ascent will be available — Convenience, Touring, Limited and Premier — all of which will come with automatic triplezone air conditioning and a 6.5-inch touchscreen infotainment system compatible with Apple CarPlay and Android Auto.

2019 Subaru Ascent

tem, 20-inch wheels, a panoramic roof and an electrically controlled trunk. Subaru has confirmed that the Ascent has a towing capacity of up to 2,268 kilograms (5,000 lbs.). A hybrid version may be­come available sometime next year.

Depending on the version, optional features include ventilated or heated seats and steering wheel, a 14-speaker Harman Kardon audio sys-

2019 Subaru Forester

MAZDA on the right path Mazda’s biggest newsmaker this year is the all-new Mazda6, a mid-size sedan that’s got a lot to offer.

It was given a ton of high-tech features, including a cylinder deactivation system for its 2.5-litre

2018 Mazda3

SKYACTIV-G engine and a turbocharged version of the latter, which delivers impressive power.

The compact CX-3 was also given a few upgrades.

Its 4-cylinder engine was tweaked to increase torque, improve fuel efficiency and reduce internal friction. The Mazda3 got several cosmetic enhancements as well, and Mazda created a 50th-anniversary edition of the MX-5. This limited-edition model, released to celebrate the brand’s 50th year on the Canadian market, features special equipment, including a nine-speaker Bose sound system and 17-inch black BBS wheels.

As for the CX-9, its standard build now includes G-force vector control, a system that improves the vehicle’s overall dynamic.

When equipped with the intelligent braking

assist system, the CX-9 can detect the presence of pedestrians. This feature activates automatically as soon as the car goes above 10 km/h.

Mazda6

fun

Wednesday, August 8, 2018 | www.torontocaribbean.com | Toronto Caribbean

PAGE 39

WEEK OF AUGUST 5TH TO AUGUST 11TH, 2018

ARIES

The luckiest signs this week: VIRGO, LIBRA AND SCORPIO

Home renovations are on the agenda this week. You might even decide to completely redecorate your li­ving space. You’ll be surprised at how easily you’re able to master manual tasks, and this will leave you feeling proud.

TAURUS

PUZZLE NO. 662

You’ll be in a shopping mood this week. Your knack for spotting sa­les will pay off in the form of little treasures for your home.

You also might discover an incredibly valu­able antique in your attic.

HOW TO PLAY :

ANSWER TO PUZZLE NO. 662

Fill in the grid so that every row, every column, and every 3x3 box contains the numbers 1 through 9 only once.

GEMINI

You’ll be tempted to treat yourself to a spa day or a relaxing massage this week. Go ahead and enjoy it: it’s important to invest in your own well­being from time to time.

Each 3x3 box is outlined with a darker line. You already have a few numbers to get you started. Remember: You must not repeat the numbers 1 through 9 in the same line, column, or 3x3 box.

CANCER

You’ll be uncharacteristically re­luctant to cook this week. If you’re heading back to work after vacation, expect to be welcomed by dis­organization, even chaos. Plan your days carefully, and you’ll be back on top before you know it.

LEO

PUZZLE NO. 925

ACROSS

1. Egyptian snakes 5. Common question 8. Motored 12. Reach 13. Tilling tool 14. Anytime 15. Dislike intensely 16. To each his

____ 17. Panic 18. Vase-shaped tree 20. Jars 21. Actress Maureen ____ 24. Has for dinner 27. Society girl 28. First performances

33. Mining product 34. Fire alarm 35. Sweet drink 36. Blushing 38. Fasten with string 39. Trim 40. Inventories 42. Gooey

substance 45. Biddy 46. Judge’s attire 47. Bronx attraction 49. Rigid 53. Cast or wrought 54. Those elected 55. Go upward 56. “____ You Tonight” 57. Stroke 58. Sign

25. Prayer word 26. Prickling sensation 29. Marriage symbol 30. Rodents 31. Emend text 32. Visualizes 37. Trust 41. Beginning part 42. ____ and bear it 43. Folk wisdom 44. Orchestra

DOWN

ANSWER TO PUZZLE NO. 925

1. Pale gray 2. Place for a workout 3. “____ and Mike” 4. Curl the lip 5. “For ____ the Bell Tolls” 6. “____ the West Was Won” 7. Japanese money unit 8. Deny 9. Concluded 10. School official 11. Goofs 19. Expired 21. Perfume 22. Present!

23. Tucked in 24. Strange

instrument 45. Emcee 47. Energy 48. “____ Day at a Time” 50. Point, as a gun 51. Purpose 52. Number of show-stopper 49. Trim 50. Flightless bird 51. Array

You’re feeling particularly social and will be surrounded by people all week. You may decide to end your vacation on a high note by planning a party for family and friends. Lots of fun is on the horizon.

VIRGO

It’s already time to think about back to school. Even if you don’t have young children, you’ll find yourself in a similar situation; perhaps a loved one needs taking care of.

LIBRA

Your mind is on social activities, but your personal obligations will get in the way this week. Work first, then play. Your mental health will thank you.

SCORPIO

You’ll start planning a trip to escape your routine for a little while. At the very least you’ll spend some time on the road rediscovering fa­miliar streetscapes.

SAGITTARIUS

You’re going through a period of emotional volatility. After the rain comes the sun, or so they say. You’ll certainly find a way to celebrate your happiness. Smile at life and life will smile back.

CAPRICORN

A certain situation will require a good chunk of your time this week, and you’ll start to feel irritated by the constant demands. You’ll need to make a few changes in the way you operate to avoid future misun­ derstandings.

AQUARIUS

Work will consume your entire week. This will leave you in dire need of some quality time spent with loved ones. It’s important to seek balance between the different aspects of your life.

PISCES

CROSSWORD PUZZLE ANSWERS USE AMERICAN SPELLING

If you’re heading back to work this week, expect to see some surprising changes in the office. You may even be offered a new position, or per­haps a promotion, following the un­expected departure of a colleague.

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real estate

PAGE 42

Toronto Caribbean | www.torontocaribbean.com | Wednesday, August 8, 2018

Protecting yourself from mortgage fraud JAY BRIJPAUL brijpaul@carib101.com

REAL ESTATE PRO

Canada Mortgage and Housing Agency (CMHC) is seeking help from the Canada Revenue Agency (CRA) in hopes of catching mortgage fraud. Mortgage fraud is when someone provides false information so that they can qualify for a mortgage that they would not have qualified for under normal circumstances. It is estimated that since 2013, there has been a 52% spike in mortgage fraud where buyers over-inflate their income to get qualified.

CRA is currently reviewing ways in which it can assist financial institutions with income verification upon obtaining the client’s consent. Higher home prices along with new regulations and increased interest rates

provide an enticement to individuals or their representatives to falsify documents. This may include job letters, pay stubs and even the CRA notice of assessments which can be obtained from their website and easily falsified. The lending rules are designed to protect buyers from over-borrowing and cannot afford to keep up with their monthly payments. With buyers qualifying for less, there is a downward pressure on house prices and homeownership will become affordable.

Mortgage fraud can be as simple as misstating the length of one’s employment or stating that someone is a salaried employee when they are not. There are many instances where someone uses another person’s credit to purchase a home. This is known as a “straw buyer” and is considered as mortgage fraud as well. In the event of default, the straw buyer is liable for the shortfall and can be held criminally responsible.

Some other areas of concern are the source and the amount of down-payment.

Buying an investment property and claiming it as one that would be owner-occupied is also considered as mortgage fraud. Adding a buyer’s name while knowing that the buyer

will not be the one paying the mortgage is considered as being fraudulent.

CMHC has upgraded their fraud detection system and has implemented new software through Equifax that flags high-risk mortgages. Their underwriters work closely with fraud prevention officers to ensure that the buyer’s information is correct. They crosscheck documents such as credit reports, bank accounts and tax information to check if the employment information reported on the application is different. CMHC is warlike when fraud is detected and goes to all extents to discourage it.

There are ways to protect yourself from mortgage fraud. When applying for a mortgage, tell the truth. Ask the mortgage broker to print a copy of your application and review it. It is best to avoid using brokers who promise to get you the mortgage despite your credit history or job. They may be falsifying your information and colluding with bank insiders who are being paid off to approve the mortgage. As a seller, if a buyer requests that you increase the purchase price of the home and claims that the increase is part of his down payment so that he can

get the mortgage, then that is considered as mortgage fraud and can land you into trouble. Buyers should also be careful when they are buying a home where the seller offers to artificially create a down-payment.

Sometimes we unknowingly commit mortgage fraud by adding our names to help someone qualify. If we are not paying the mortgage, we should disclose that information to the bank. Avoid buying or selling homes privately and know who you are dealing with. Buyers should avoid giving their deposit money directly to sellers. It should be kept in a real estate company or lawyer’s trust account. If you are buying a property, check the sales history and always get the property inspected and appraised before removing sales conditions.

The promise of getting “easy money” in real estate is tempting but if you hide, shave or bend the truth, then you can be an accomplice to mortgage fraud. Protect yourself and avoid signing for others. Row your own boat gently down the stream.

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PAGE 44

finance

Toronto Caribbean | www.torontocaribbean.com | Wednesday, August 8, 2018

“Reason why letter” for insurance purchases FAZAAD BACCHUS fazaad@carib101.com

FINANCE SPECIALIST

*In the spring of 2006, the Canadian Council of Insurance Regulators (CCIR) and the Canadian Insurance Services Regulators’ Organization (CISRO) endorsed three principles for managing conflicts of interest that might arise in the sale of life and health insurance products. These are: 1. The interests of the consumer must be placed ahead of those of the advisor 2. Actual and potential conflicts of interest must be disclosed 3. The recommended product must be suitable for the needs of the consumer

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Over the years nonetheless, many insurance policies have been sold where all three principles have not been adhered to. Over the years, regulators have had to deal with many complaints regarding the right type, the right amount and the suitability of insurance purchases. If you purchase an insurance

policy, your advisor should ensure that the policy he is recommending comes from different companies (albeit there are some advisors who work for career shops where they can only recommend the policy sold by their company). In this way, your interest is well maintained above the interest of the advisor.

The customer must be free to choose which company he wants to deal with.

To this end, regulators have asked financial advisors to disclose to their clients whether or not they sell for many different companies and if there is a conflict of interest therein. A typical example could be where a term policy is far less expensive at another company for the same term or same value; however, the advisor may stand to benefit by way of more commissions and thus is enticed to sell you the more expensive one. This does not place the client in a better position and the interest of the advisor has taken precedence over the clients.

Often a policy is pushed upon a client, especially when there seems to be a sale going on. Let’s take for example a client who does not have any life insurance, however, the advisor’s company has a “sale” on critical illness products, so the client gets a call from the advisor who is pushing the critical illness product because it helps him and the company reach their sales targets. While the critical illness policy is good policy, what is the most suitable policy for the client.

So again, the regulators have decided to implement an additional new procedure called “reason why letter”. Your advisor must be able to identify the need which was covered, why was this particular type of product used, what your alternative products are, and whether you have outstanding needs yet to be covered. * Reason why clients should receive a written explanation of the recommendation.

1. Summarize relevant information from the fact-finding and needs assessment to explain the recommendation.

2. Where appropriate, note differences between the recommendation and the client’s choice of amount and/or type of coverage.

3. Where appropriate, mention unmet needs to be addressed in the future.

4. Include a call to action, i.e, ask questions if anything is unclear and retain for future reference.

Now when you purchase an insurance policy please remember to ask for your “reason why letter” it’s the regulation.

*Reference Document The Approach: Serving the Client Through Needbased Sales Practices© Canadian Life and Health Insurance Association Inc., 2016

Saving for your child’s future – Three options ANDREW STEWART andrew@carib101.com

FAMILY ADVISOR

I was standing at the bar with a client waiting for our table to be ready. As we placed our drink order we were talking about our careers and talking about the education and path we took to get to this point in life. It was actually pretty funny but was quite an eye-opener at the same.

You see I majored in accounting for my post-secondary studies but discovered that I hated working with numbers all day.

I wasn’t the strongest student in math class either, so how did I end up deciding to major accounting? Then I remembered, it was career day at my high school and a gentleman who was a CPA was telling us about his career. As he spoke it sounded ok but nothing that was overly exciting and then someone asked how much income he made. All I saw was dollar signs in my mind. I remember sitting in the basement counting pennies I collected as a kid. The point to my story and trip down memory lane is that as children, teenagers and adults what we want to be and do career-wise changes. As summer winds down

and school starts we as parents will start thinking about saving and preparing for our children’s financial futures.

Most Canadian parents know about RESPs (which doesn’t necessarily mean they have them) but few are aware of alternative ways of saving for their child’s post-secondary education, and for life beyond. With tuition costs soaring and the job market looking bleak, today’s young adults are more likely than ever to finish post-secondary school burdened with significant amounts of debt. Spending years repaying that student debt will, in turn, hurt their ability to save for things like getting married, buying their first home, and starting a family.

RESPs have been around in their current form since 1998. Most people are aware of the federal grants, but I’ve always disliked how they’ve been positioned and sold to parents. If you have heard this phrase before “This is free money the government is giving parents to help fund their kids’ school.”

I feel you’ve been tricked into a sale. Yes, the grants provide a 20% grant on RESP contributions but what is commonly left out is that the maximum you can get is $7,200. Currently, a four-year university degree can be expected to cost upwards of $60,000 that sum could rise to more than $140,000 for a child born this year and only 34% are taking full advantage of the government grants. In my opinion, parents wait too long to start saving, do not save consistently enough, and are not familiar enough with the rules of using these

accounts.

So, what are some other options when it comes to saving money for your children’s educations, first homes, weddings and anything in between?

Use a Tax-Free Savings Account (TFSA) By putting money into a TFSA, parents’ savings will grow tax-free and the money can be easily withdrawn in the future without having to pay taxes. The drawback is a TFSA is only as good as what you’ve invested into and there are limits to how much you can put in. It leaves you open to market gains and losses and goes against your own contribution room.

Open a non-registered account It is easy to set up, simple to understand and offers flexibility. You can withdraw the funds for whatever reason at any time and retain control of them after your child reaches the age of majority. The downside is the temptation to use these funds for something else as well as that the parents will be taxed on all the income and any capital gains.

Open a participating whole life insurance plan Participating whole life insurance policies have cash values that grow tax-free by paying dividends every year. The benefits of these plans are flexibility in contribution amount, payment structure and that it will last for the entirety of the child’s life.

PAGE 46

sports

Toronto Caribbean | www.torontocaribbean.com | Wednesday, August 8, 2018

Tamim, Shakib deny Windies USA -- Bangladesh, led by a solid all-around performance from skipper Shakib Al Hasan, defeated the Windies by 12 runs in the second match of their three-match series to leave it even at 1-1 with one game to play last night.

The teams were battling it out last night, to see which one will take the trophy for the final format of Bangladesh’s tour of the region. The Windies won the Test series 2-0 and Bangladesh took the ODI series 2-1.

However, on Saturday night the fans turned out in their numbers to take Bangladesh’s first match in the United States and they were not disappointed. With the game getting off at 8 pm, the mostly Bangladeshi crowd started arriving around 4 pm, waving flags outside their cars down the US 441.

This caused a massive pile-up of vehicles and when they finally got into the ground Al Hasan made it worth the effort.

Firstly, he rescued his team after they slipped to 48 for three in the eight over to a final score of 171 for five. The left-hander got the scoreboard moving from the moment he came in and roughed up the Windies bowling. The Windies paid the price of not having out and out bowlers in their line-up, as they mostly played the all-rounders. With three wickets down they could not press home the advantage and allowed Al Hasan and opener, Tamim Iqbal, to prosper.

Iqbal started slowly but blossomed nicely as his innings went along, as he added 90 runs for the fourth wicket with his captain.

The left-hander finally fell for 74 made off

44 balls with six fours and four sixes. When he left, Al Hasan finished off nicely, scoring 60 from 38 balls with nine fours and one six.

There were two wickets apiece for spinner Ashley Nurse and pacer Keemo Paul.

When the Windies went in to bat, the team lost the out of form Evin Lewis for one. Andre Russell batting at number three was able to take the score to 33 in the fourth over with opener Andre Fletcher, but when he fell for 17 the wheels came off. Batsmen came and went and although Fletcher stood firm for his 43 off 34 balls, with three fours and two sixes, the required rate mounted too high.

In the end, the Windies with just two wickets in hand were left to get 15 runs from the last over and fell short, losing the game by 12 runs. Al Hasan bowled beautifully in taking 2/19 off four overs, while Nazrul Islam held his nerve well at the end in taking 3/28.

SCOREBOARD Windies vs Bangladesh 2nd T20I BANGLADESH Innings L Das c Brathwaite b Nurse.................... 1 T Iqbal c Paul b Russell .........................74 M Rahim c Russell b Nurse.................... 4 S Sarkar c Powell b Paul ........................14 S Al-Hasan c (sub) Walton b Paul .......60 Mahmudullah not out ..........................13 A Haque not out .......................................1 Extras (lb2, w2) ...............................4 TOTAL (5 wkts, 20 overs) ............171 Did not bat: Nazmul Islam, Abu Hider, Rubel

Hossain, Mustafizur Rahman.

Fall of wickets: 1-7; 2-24; 3-48; 4-138; 5-167 Bowling: Badree 2-0-14-0, Nurse 4-0-25-2 (w1), Russell 4-0-33-1, Paul 4-0-39-2 (w1), Williams 3-0-29-0, Brathwaite 3-0-29-0.

WEST INDIES Innings A Fletcher c S Al-Hasan b Nazmul Islam.......................................... 43 E Lewis lbw b M Rahman....................... 1 A Russell c wkpr M Rahim b Rahman .17 M Samuels c Das b S Al-Hasan........... 10 D Ramdin lbw b R Hossain ....................5 R Powell c wkpr M Rahim b M Rahman............................................ 43 C Brathwaite c L Das b S Al-Hasan .....11 A Nurse c A Haque b N Islam ..............16 K Paul b N Islam ........................................2 K Williams not out................................. 09 S Badree not out...................................... 1 Extras (b1, w9)............................. 10 TOTAL (9 wkts, 20 overs)............ 159 Fall of wickets: 1-5; 2-33; 3-48; 4-58; 5-116; 6-131; 7-146; 8-158; 9-158 Bowling: Abu Hider 4-0-26-0; Mustafizur Rahman 4-0-50-3 (w5); Rubel Hossain 4-0-35-1 (w2); Shakib-Al-Hasan 4-0-19-2 (w1); Nazmul Islam 4-0-28-3 (w1) Result: Bangladesh won by 12 runs Series: Three-match series level 1-1 Toss: West Indies Player-of-the-Match: Tamim Iqbal. Umpires: L Reifer Jr, J Wilson; TV – G Brathwaite.

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CHATRMOBILE.COM CHATRMOBILE.COM ZTE JASPER $65

$24.99

*

SAMSUNG J3 $240

$159.99

*

ZTE Z828 $80

$39.99 *

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CHATRMOBILE.COM

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2456 Lake Shore Blvd W, Etobicoke, ON | (416) 259-3654

379 Main St N, Brampton, ON | (905) 451-0379

*Offer valid only at the above participating location(s) and subject to change without notice. Only applicable to new activations with the sign-up of pre-authorized payments with Auto-pay. Taxes are extra and while quantities last.TM Trademarks used under license © 2018

Get up to 2GB’s of bonus data on the Data, Talk and Text Plans (in-zone) available for a limited time, subject to change without notice. Once you reach your 3G speed data allotment, your data speed will be reduced until your next anniversary date. Only applicable to new activations. Taxes extra. ™ Trademarks used under license ©2018 Get up to 2GB’s of bonus data on the Data, Talk and Text Plans (in-zone) available for a limited time, subject to change without notice. Once you reach your 3G speed data allotment, your data speed will be reduced until your next anniversary date. Only applicable to new activations. Taxes extra. ™ Trademarks used under license ©2018

No data discipline needed.

, S M K T N U O IC .

S B G $ NOT 4GB 40

Get the data you need, with no overage charges. *

/mo.

FOR

ON FAST

• 2GB of data + 2GB bonus • Unlimited Canada-wide talk • Unlimited global text, picture and video messaging

freedommobile.ca *With Digital Discount. Conditions apply.

freedommobile.ca BRAMPTON 83 Kennedy 83 Kennedy Rd S 905-460-9463 Shoppers World 499 Main St S 905-453-9463 Rexall Plaza 10015 Hurontario St 905-840-9464

Bramalea & Sandlewood 10635 Bramalea Rd 905-458-9464 MISSISSAUGA Burnhamthorpe Road 1100 Burnhamthorpe Rd 905-615-8788 Sheridan Centre 2225 Erin Mills Parkway 905-822-9463

BURLINGTON Appleby Village 5111 New St 905-635-0584

KITCHENER Stanley Park Mall 1005 Ottawa St N 519-954-2923

SCARBOROUGH Woodside Square 1571 Sandhurst Circle 647-260-1392

Walkers Line 3505 Upper Middle Rd 289-427-5260

Laurentian Hills Plaza 720 Westmount Rd E 519-954-2923

Bridlewood Mall 2900 Warden Ave 416-490-9463

OAKVILLE Oakville Smart Centre 261 Oak Walk Dr 289-291-3261

WATERLOO Shops at Waterloo 75 King St S 519-880-9463

Parkway Mall 85 Ellesmere Rd 416-444-9463

NORTH YORK Centerpoint Mall 6464 Yonge St 416-222-9463 THORNHILL OSHAWA Five Shopping Centre ShopsPoints on Yonge 7181 Yonge St Rd North, Unit F4-10 1177 Ritson 905-597-9463 905-576-4440

ST CATHARINES St Catharines Smart Centre Westwood Mall 420 Vansickle Rd 7205 Goreway Dr 289-479-5496 905-671-9463 *Learn more at freedommobile.ca/digitaldiscount. Digital Discount promotion is subject to change or cancellation without notice. To be eligible to receive the Digital Discount, you must (i) be subscribed to a Pay Before or Pay After line on an “Eligible Plan” (Big Gig 10GB/15GB/20GB, Big Gig + Talk 5GB/10GB/15GB/20GB, Data Plan 1GB, or Home 250MB/500MB/2GB plans) (ii) sign up for Auto Pay (pre-authorized payments), (iii) have an active and valid Auto Pay method on file, and (iv) redeem the “Digital Discount” promo code at a Freedom Mobile retail location or through your Learn more at freedommobile.ca. *4GB of data includes 2GB of bonus data per month. The bonus 2GB of data offer is available for a limited time and is subject to change or cancellation without notice. Bonus 2GB of data will be applied to Pay Before and Pay After lines for new activations on, or existing customers who migrate to, an “Eligible Plan” (current in-market $40, $49 or $59 plans) during the promotion period. Bonus 2GB of data will remain on your account as long as My Account.youThe can only be applied once eligible line.apply.AApplicable $5 taxes monthly discount will to be applied ontrademarks youror trademarks nextoftop-up date following promo (for remain anpromo active customer oncode the Eligible Plan.

Offer may not be combined with any other in-market offer, withto someeach exceptions. Additional terms and conditions extra. © 2017 Samsung Electronics Canada Inc. All rightsstart reserved. Samsung and Samsung Galaxy are registered Samsung Electronics Co., Ltd., used with permission. The Freedom Mobile namecode and logos andredemption other words, titles, phrases, marks, logos,Pay icons, Before customers), or on your next bill following promo code redemption (for Pay After customers). Pay graphics are trademarks of, or are used under license by, Freedom Mobile Inc. After customers: you must complete the above eligibility requirements on the same day you activate your Eligible Plan to ensure the discount is received on your first/next bill. If you are not eligible for the promotion during any month, that monthly discount will be entirely forfeited and cannot be made up. If you qualify for the discount in the months following the ineligible month, you will receive the discount in those subsequent months. Movement between Eligible Plans will not result in the loss of the monthly discount. Your service will no longer be eligible for the discount if you: (a) Change 17_098_05_4GB40_HelloMobileAdmat_12_8x21_2_SF.indd your rate plan to a non-Eligible Plan, or (b) Port your number away from Freedom Mobile. Data allotments available for use only on the Freedom Mobile home network. 2017-09-06 All Freedom Mobile services are subject to our Terms of Service, Fair Usage Policy, Internet Traffic Management 1 3:23 PM Policy, and Privacy Policy located at freedommobile.ca. Applicable taxes extra. The Freedom Mobile name and logos and other words, titles, phrases, marks, logos, icons, graphics are trademarks of, or are used under license by, Freedom Mobile Inc. Chinguacousy 10671 Chinguacousy Rd 905-840-3388