TRI-CITY NEWS WEDNESDAY, MARCH 14, 2018 A23
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FOR THE KIDS
Know a champ for kids? Honour them Friday is final day for ECD awards nominations The deadline is Friday for nominations for the ninth annual Champions for Young Children Awards. The Tri-Cities Early Childhood Development Committee is calling for recognition of caregivers who have made a difference in the lives of children under the age of six and their families.
Nominations will be accepted in the following categories: • individual champion (direct service role); • individual champion (leadership role); • individual or group champion (working with children who have extra support needs); • group or organization champion; • business champion; • and volunteer champion. Nominees from previous years will be accepted. The awards selection committee, made up of Tri-City
Tri-Cities Early Childhood Development Committee is again giving out its Champions for Young Children Awards. municipal officials as well as staff from the Ministry of Children and Family Development, Fraser Health Authority and School District 43, will host its awards banquet May 10 at the Hard Rock Casino Vancouver, in Coquitlam. To submit an entry by March 16, visit tricitiesecd.ca.
Investment Advisor
Licensed Insolvency Trustee
Q: Investing and emotions A:
We’ve all heard the way to a successful investing experience is to BUY LOW and SELL HIGH. Seems simple enough. However, since money is a precious commodity that is hard to come by and yet vital in life, it is natural to let our emotions take over when things get bumpy. Evidence suggests that most investors are emotional with a tendency to act on these emotions at the wrong time. Led by FEAR and GREED, when valuations are dropping the temptation is to SELL and protect what you have. This can result in selling low. Same is true on the opposite side. When markets and prices have consistently risen the emotion of GREED can take hold leading to chasing returns which can result in buying high. I recommend three strategies to help: (1) Dollar Cost Averaging, which means investing on a regular basis (ie: monthly), removing the need to time when to invest. Due to this constant investing, when markets drop you get to buy more shares. (2) Make sure your investments are aligned with your appropriate level of risk. (3) work with an investment professional that can help you through the rough times and clearly keep the focus on your overall financial picture.
ISTOCK PHOTO
Can I Pursue an Undischarged Bankrupt Q: for Collection?
A: Sherry Blamey HollisWealth®
Director, Private Client Group Investment Advisor HollisWealth®, a division of Industrial Alliance Securities Inc.
When a person goes into bankruptcy a Stay of Proceedings is issued. The Stay of Proceedings protects the debtor from any collection activity by his unsecured creditors. When the debtor receives their discharged, all his unsecured debts with a few exceptions, are erased. You can pursue an undischarged bankrupt once the trustee is discharged. The key word being undischarged. In rare cases a debtor is not discharged, usually because he fails to meet the obligations imposed on him by the Bankruptcy and Insolvency Act, namely duties, or payments pursuant to a mediation agreement or conditional order of Discharge.
7 Floor, 609 Granville St., Vancouver, V7Y 1G5 th
604-895-3331 1-800-665-2030 Ext. 3331 Fax: 604-688-1191 Sherry.Blamey@holliswealth.com www.holliswealth.com
At this point the Stay of Proceedings is lifted and creditors are revived. So, all creditors can pursue the bankrupt for debt collection just as though he was never in bankruptcy.
Dental Professionals
David Wood Boale, Wood & Company Ltd.
406 – 2963 Glen Drive, Coquitlam, BC V3B 2P7 604-605-3335 Toll Free: (888) 850-6585 info@boalewood.ca www.boalewood.ca
Once the trustee is certain the debtor is not going to honour his obligations the trustee can and should proceed to seek his own discharge from the bankruptcy.
HollisWealth® is a division of Industrial Alliance Securities Inc., a member of the Canadian Investor Protection Fund and the Investment Industry Regulatory Organization of Canada. GreenHaven Private Wealth Counsel is a personal trade name of Sherry Blamey.
LICENSED INSOLVENCY TRUSTEE
Sunrooms
Q: What is covered by my dental insurance? A:
Yes you can. However, you must wait until the Licensed Insolvency Trustee is discharged.
I love the outdoors but my patio area is Q: always wet, what are my options to make better use of my deck or backyard space?
Plans cover your dental bill at specific percentages depending on the procedure. Most often, procedures are separated into basic and major, and sometimes a third category for orthodontic work. Under your basic coverage, this may include cleanings, fillings, extractions and root canal treatments. Crowns, bridges and dentures may be under your major coverage. Basic work is usually covered at a higher percentage than major work. For example, an insurance company may cover your individual insurance policy at 80% for basic, and 50% for major procedures. It is then your responsibility to pay the remaining balance of 20% for basic, and 50% for major treatment on your dental bill. When a dental office offers direct billing, the office will collect the insurance portion on your behalf and accept your portion of the bill separately. If you have secondary insurance from a spouse or other family member, it will pay all or a portion of the remaining balances from your first insurance. For a complete breakdown of your dental insurance, contact your dental office for more information.
Dr. Vanessa Lee
A:
First you have to decide if you need more living space or a covered seasonal area. A Four Seasons Sunroom can bring the outdoors in all year round, with a glass or solid roof, windows all around, add heat and lighting, now your house is part of your back yard. If it’s covered outdoor space you need, we have aluminum or wood patio covers. We can close in the walls with glass or screens to make it a 3 seasons room, there’s no limit to options.
Dr. Alexander Wong 101-1655 Como Lake Ave, Coquitlam 778-355-3535 info@vitacaredental.com www.vitacaredental.com
Our designers work with you to find something to fit your needs and budget, big or small. every project is designed for you. We are a turn key company, we take care of all aspects of the build including all other trades if needed.
Gord Tiemstra Four Seasons Sunrooms
Vice President Operations 1585 Broadway St., Port Coquitlam Ph: 604-526-2699 www.fourseasonssunrooms vancouver.com