Vancouver Island ALMOST FREE Magazine Summer 2016

free MAGAZINE

VANCOUVER ISLAND

COUPON AND AFFORDABLE LIFESTYLE MAGAZINE | SUMMER 2016

the

Ultimate

ISSUE 26

SUMMER ACTIVITY GUIDE

Road Trip Guide: Food Trucks Farms, Markets & Wineries Breweries PAGES 2, 18 & 34

PAGE 23

ON THE COVER: SPOONS DINER A BRUNCH LANDMARK

HUNDREDS OF

savings

almostfreemagazine.com

IN COUPONS

F O O D TRUCK MA P

THETRUCKS ULTIMATE & FOOD FLOATING RESTAURANTS

Food Truck & Floating Restaurant GUIDE

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Ba yS t

Bell eville St

St

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Street Food that Rocks! PG provides locally made and locally sourced quality foods to make happy bellies and smiling faces. We have yummy foods such as BBQ Pulled Chicken, Chicken Tacos, Gourmet Dogs and Smokies. We also provide Veggie options and many Gluten Free Options so almost anyone can taste the good stuff.

Experience the difference at Pepperman’s Grill.

We are on the StreetFoodApp for Victoria, Facebook, Twitter.

www.peppermansgrill.com

Pembroke St

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Discovery St

We use BIODEGRADABLE PACKAGING recycled for minimal impact on our beautiful planet.

Herald St

Our LOCALLY MADE PORK KIELBASA contains NO PRESERVATIVES OR GLUTEN

Fisgard St

HOMEMADE WITH LOCAL FRESH INGREDIENTS

Cormorant St

1

Pando ra Ave

Blansh ard St

Hungry Rooster perogies are made with love on British Columbia islands from a SECRET FAMILY RECIPE

Store St

Yates St

Govern ment S t

d eR Tye d rR ou rb Ha

Johns on St

Wharf St

W ils on

Kim ta Rd St Si m co e Da lla sR d

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Dougla s St

2

Mary St Catherine St

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Find Out Where We'll Be Next hungryrooster.ca/ calendar/

Esquimalt Rd

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Esquimalt Rd

Making the most of a sunny summer day off should mean new experiences that will inevitably refresh the senses. The abundance of Food Trucks in Victoria and around southern Vancouver Island can lead to an adventure for the palate!

Our idea of a perfect afternoon means sharing in new tastes with friends and mapping out a few food trucks and/or floating restaurants to try. Food Tour! Here are some of our favourite suggestions.

Have fun!

Find Pepperman's in Langford at the corner of Goldstream and Peatt

F O O D T RUCK M AP

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Vancouver Island’s FREE coupon and affordable living magazine

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Vancouver Island’s FREE coupon and affordable living magazine

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FAVOURITE breakfast / brunch

eats

lunch $10 and under

All-day breakfast, swivel bar stool, everything homemade sorta place.

Victoria's modern diner.

Spoons Diner spoonsdiner.com

250.382.5111

2915 DOUGLAS ST. (INSIDE SUPER 8)

"AMAZING PUB FAIR SERVED ALL DAY LONG."

Deal: FREE Kid's Dessert with Adult Meal Purchase.

Expires Sept 30/16

718 FORT ST. VICTORIA BC

Join us on our sunny garden patio for our delicious brunch menu every Sunday 11am-2pm.

Bring in this coupon and receive 15% off your brunch entrée!

Exp. Sept. 30 2016

1516 FAIRFIELD ROAD #7. VICTORIA BC

250.370.1152

250.385.1012

Buy 1 Meal and the 2nd one is 50% OFF (Exp. Sept. 30, 2016)

2646 QUADRA ST. VICTORIA BC

250.381.3363

Authentic Mexican Cuisine made from scratch, even our corn tortillas!

Featuring dishes from Ixtapa, Zihuatanejo, Guerreo

Open 7 days a week for breakfast, lunch, and dinner! We have something for everyone.

Vegetarian, Vegan and Celiac Friendly!

www.latortilla.ca

4675 TRANS CANADA HWY, DUNCAN BC

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250.746.5848

AlmostFreeMagazine.com | SUMMER 2016

910 ESQUIMALT RD. VICTORIA BC

778.433.1331

FAVOURITE

eats

comfort food

delivery and take out Several items under $10. Gluten-free and vegetarian options.

Eat Healthy, Eat Fresh!

15% Off Dine-In Purchases (Excludes beverages, alcohol, and the Mon/Thur. $9.95 Special) Expires Sep 30, 2016

2709 QUADRA ST. VICTORIA BC

250.384.5255

COOK ST. VILLAGE, 1109 MCKENZIE ST.

2 CAN DINE for $18.95 Includes small butter chicken, small rice, 2 naan bread, 4 samosas, and galub jamun.

(Exp. Sept. 30, 2016)

Come and Enjoy Our Patio!

1550 CEDAR HILL CROSS RD. VICTORIA BC

250.472.0047

24 BURNSIDE RD WEST, VICTORIA BC

$5 OFF your purchase of $25 or more.

(Exp. Sept. 30, 2016)

250.598.2711

778.430.5858

Authentic Quebecois Cuisine!

Squeaky Cheese Poutine, Montreal Smoked Meat and more!

Check out our menu at www.willowsgalley.com

2559 ESTEVAN AVE. VICTORIA BC

250.382.1501

1215 ESQUIMALT RD. VICTORIA BC

Vancouver Island’s FREE coupon and affordable living magazine

250.220.8427

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FAVOURITE cafes / bakeries

eats

special occassion WINE WEDNESDAYS 25% off bottles of wine HAPPY HOUR 3–5 pm Monday thru Friday $4 glasses of house red and white $5.25 pints of Draught SUNDAY NIGHT JAZZ 8–10 pm

Daily home-baked goods, sandwiches, and gluten-free treats. Serving fresh roasted coffee, jaga silk, maccha, loose leaf teas and old school soft serve ice cream.

TownshipCoffeeCo

4343 TYNDALL RD. VICTORIA BC

778.265.3253

In the heart of Gordon Head/Mt. Doug

2345 MILLSTREAM RD. VICTORIA BC

250.590.1119

Celebrate Party Gatherings &

Waterfront Dining serving modern-comfort inspired West Coast Cuisine!

Picnics with Kuku’s Fine East Celebrate Party Gatherings & Indian Cuisine this Picnics with Kuku’s Fine EastSummer Indian Cuisine this Summer

In Victoria call 778-430-5858 OPEN 7 DAYS A WEEK 11:30am to Late

www.kukusrestaurant.com 24 Burnside Rd, Victoria, BC

1765 COWICHAN BAY RD. COWICHAN BAY

250.597.4353

Deluxe Bento Box -Lunch Special $3 OFF! (Regular $19. With this Coupon Just $16) (On Lunch Deluxe Bento Box Only. Expires Sept. 30, 2016)

THE NEXT

JAPANESE CUISINE

104-240 COOK ST. (entrance SUTLEJ ST)

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AlmostFreeMagazine.com | SUMMER 2016

778.433.4490

Air Polishing for Summertime Fun!

– A quick way to remove stains from red wine, coffee, and berries for that naturally bright smile –

FAVOURITE

eats FAVOURITE eats Air Polishing - brighten your teeth for that special occasion or just because...

Do you have an upcoming wedding, reunion, graduation, or getaway?

Air polishing is the #1 recommended treatment for braces.

Do you have embarrassing stains? The most effective and efficient way to remove surface stains and plaque.

Ways Your Oral Health is Directly Linked to your Overall Health: • improves self esteem • Dental hygiene decreases inflammation and infection in the body which decreases stress on the body (linked to diabetes, heart disease, arthritis and other diseases) • oral cancer screening • blood pressure monitoring The knowledgeable and friendly dental hygienists at Focus on Dental Hygiene are compassionate of your dental health needs. Their warm and inviting environment offers the latest in ultrasonic scaling and air polishing technology.

Your comfort is their focus.

– Your independent dental hygiene choice – Services for You with a Hygiene Appointment: • •

• • • • • •

Cheri Wu, RDH, BDSc, Owner

Free oral hygiene assessments Free oral cancer screening with Velscope technology Needle-free anesthesia Teeth cleaning Air polishing or traditional polishing Whitening services We accept dental insurance We work independently with your dentist for comprehensive care.

Give Focus on Dental Hygiene a call or drop by to see about availability – your teeth are as unique as you are!

IN ADDITIONAL TO REGULAR HOURS, THEY OFFER EXTENDED HOURS TO MEET YOUR BUSY SCHEDULE.

141 Menzies St, Victoria (250) 590-1931 www.focusondh.com

Meet the Team: RECEPTION: Warren, Kim, Chandra and their little rescue dog Roscoe will welcome you at the door and answer any service related questions you may have—they take most dental insurance plans and don’t forget to ask about the Senior’s Discount.

HYGIENISTS: Cheri Wu, owner, dental hygienist and educator, takes great pride in her innovative clinic and awards for dental hygiene excellence. Denise, RDH, BDSc, Heather, RDH, BDSc, Nicole, RDH, and Rachelle RDH, BDSc will make you feel comfortable while providing outstanding individualized care.

Teeth cleaning can be fun and educational!

Let us help you “SMILE FOR THE

HEALTH OF IT”

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Spotlight on

WHIPPLETREE JUNCTION 4705 Trans Canada Hwy, Duncan

Pure Magic That You Might Get Lost In! What happens when 30 artisan and vintage vendor stalls akin to what you could expect in a food market come together? Pure magic that you might get lost in!

Imagine this: walk into a colourful room of textiles, jewellery, small household items, signs, paintings, furniture, and sculptures and more, each piece with a unique story and you keep walking in and out of mini shops within the larger space. Do you feel the magic that went into each piece, carefully crafted, by a local artisan? When an artist creates each piece, whether tangible or written, it holds an “aha” creative moment specific to the artistic process. It’s special and defines whether the piece sees a future in another person’s hands or eyes.

This is the story of Nest Collective— an artisan and vintage collective—at Whippletree Junction that started out in July 2014 in the courtyard and grew quickly to the large yellow frontage along the highway now with 30 partners. Inspired by owner MyraJean Marshall’s experience in an artist collective between 2004-06 in Washington State, she saw need for an affordable retail space for artisan-entrepreneurs to showcase their creations. Many vendors may be mothers, part-time or new artists, or like their pieces to be in several venues. For whatever brings a new vendor or shopper in, MyraJean follows one simple rule with doing business, ‘be silly, be creative, be kind’. “My hope is that people feel that when they walk in the door,” explains MyraJean.

Being a creative entrepreneur can be very rewarding, but is also a lot of hard work. Balance is critical

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to long-term success. If one isn't mindful, too much focus on business can leave little time for creativity and too much focus on creativity can leave the business floundering. Retail space is expensive and then there's banking, customer service, marketing, janitorial, maintenance... and the list goes on. NEST was their answer to that necessary balance.

"By all of the local excitement and support, it has been quite obvious to me that this is the type of outlet we've all been craving on Vancouver Island and around the world,” shares Stefani Williams, one of the collective’s vendors called OhMyDearLoves and a mother of young twins. “In a world of big box stores and discount shops, imagination is limited. There are only so many options in which we are encouraged to fill up our homes, and lives. This clouds over our creativity, and puts a damper on expressing ourselves. When we have boutiques like Nest Collective, the opportunity to colour our lives is unending. Each partner has a different take on life and art, based on their own experiences. We are all built on different foundations of relationships, experiences, culture, spirituality and tradition. Sharing these things with each other only adds to the quality of life we are all searching to thrive within.

And speaking of pure magic that you might get lost in! Mark your calendars for their Christmas Tree Light Up in December. You’ll find Artisanal Christmas Trees galore in Nest Collective, and you can even purchase them fully decorated. But don’t just wait until then, they hope to see you soon!

BOSCH KITCHEN CENTRE Whippletree Junction, Cowichan Bay BC (778) 422-3310 @scoopsnaturalfoods

Spotlight on

WHIPPLETREE JUNCTION 4705 Trans Canada Hwy, Duncan

What's Your Summer Fudge Flavour?

If you could reach the taste of summer in a bite of fudge, what flavour would it be? Watermelon, Lemon Drop, Ice Mint! Seasonal fudge is an essential part of the framework at Next to Nature Trading Co.!

Summer fudge flavours include Fresh Raspberry, Raspberry Chocolate, Ice Mint, Blackberry and Watermelon (is your mouth watering yet?). “We look to local berries and fresh flavours for summertime inspiration", explains Karel Bossi, co-owner with her husband Max. Karel and Max Bossi of Next to Nature Trading Co—home of Beaver House Fudge—offer a good sense of humour to their clients and in business. When major highway construction in 2000 threatened to dump all over sales at the Trading Co, they decided to start making fudge to get out to the people.

An internationally-known product, Beaver House Fudge maintains ethical

Creations from Over 50 Local Artisans Showing in Store & So Many Art Supplies for Your Creative Needs!

business practices in its production.

The chocolate used boasts the finest quality from a small, family-owned Swiss company called Felchlin. The spices are fair trade and organic, and although they still do use artificial flavours and colours, all the ingredients must be high quality.

The fudge is only made on demand to ensure the highest standards in freshness. Customers will tell you it’s the best they ever had.

Now drooling over fudge, you probably wonder: Exactly what building at Whippletree Junction to find said fudge, and the Trading Co? Next to Nature Trading Co—the small cabin directly to the left of the big cabin, Pioneer House—carries items made by BC artisans. The dream catchers are from a tribe in Mission and are 100% handmade.

There are also fair-trade items, which include Kyber sweaters made of New Zealand wool, lined with fleece,

Come in for our wide selection of Homemade Fudge

Puzzles, Mohair Socks, Sheepskin Slippers, Fair Trade Sweaters, Cards, Pottery, Salt Lamps, and More!

Unit O, 4705 TransCanada Hwy, Duncan BC WHIPPLE TREE JUNCTION, 250-746-5588 LocalTreasures I localtreasuresbc.ca

and some have reflective fiber. These popular sweaters are made fair-trade in Nepal, a great way to help the Nepalese earthquake survivors.

Having a personal interest in health and wellness, the Bossi’s look for gifts with fun and function, including mohair socks for cold feet, locally made pottery and a line of gift cards that just make you laugh. In the 23 years the Bossi’s have been in business, retail has changed phenomenally. When they started in 1992, Walmart was not yet established the way it is today. China as a cheap supplier just started. And so, to be an artisan here in BC was easier as the general public was still willing to pay for Canadian wages. With this in mind, the Trading Co continues to practice ethical decision making in their local buying and they retail items that appeal to local residents.

The next time you drive past, be sure to stop in to say hello and sample some of your favorite fudge.

4705 Transcanada Hwy Whipple Tree Junction 1-800-641-4677 (toll free)

beaverhousefudge.com

BBQ Menu NOW ON! We have something for everyone!

Vegetarian, Vegan & Celiac Friendly 4676 Trans Canada Hwy, Duncan BC (250) 746-5848 pioneerhouserestaurant.com

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letter FROM THE EDITOR

our team roadtrips with my parents Growing up, summer meant day s, visit markets, and and brothers to explore national park welcomed many excursions oftentimes go fishing. Weekends cabins on the water. Then with family friends and cousins to g until the sun went down. evenings of barbecues and swimmin summer marks a refreshed I believe that for many people the ing in bloom and leafy view of life and possibilities. Everyth to new experience and green seems to infuse a sweetness e we outline adventure for adventure. Here in the summer issu ities, winery tours, brewery every interest from outdoor activ more much more! Start your visits, eating at food trucks, and so patio then waste away the adventure with brunch on Spoons s! day with our suggested roadtrip tour

EDITOR & PUBLISHER

Elissa Bergman elissa.vaf@gmail.com 250.419.2579 LAYOUT & DESIGN

Tania Castillo-Pelayo Myrna Proulx MARKETING

Louise Hodgson-Jones louise.vaf@gmail.com 250.812.2518 Deena Kinarthy deena.vaf@gmail.com 250.885.5058 PHOTOGRAPHY

26

Love & Peace!

Rachel Knoop, Razzle B Photography D. Bruce Gammie CONTRIBUTING WRITERS

Elissa Bergman, Editor

Louise Hodgson-Jones Jenny Hainsworth Saira Waters Victoria Holmes Deena Kinarthy

advertise with us For advertising opportunities, online or in print please contact Elissa, Louise or Deena with the contact information above. Š 2016 www.almostfreemagazine.com

SUMMER 2016 | ISSUE 26 Vancouver Island Almost Free Magazine Winner of the 2014 Saanich Peninsula Chamber of Commerce Crystal Award for Business Excellence for a NEW Product or Service.

www.almostfreemagazine

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@VictoriaAlmostFree

AlmostFreeMagazine.com | SUMMER 2016

@VicAlmostFree

PLEASE RECYCLE THIS MAGAZINE

ISSUE THE JULY/AUGUST

EXPLO RE

the island

Each community section invites you to explore the wonders of Vancouver Island with tips, write ups,

features 2

THE ULTIMATE FOOD TRUCK GUIDE

4

FAVOURITE EATS

12

FLAVOURS Summer Frozen Treats

16

HEALTH & WELLNESS Love Lessons from my First 50 Years

18

THE ULTIMATE ROAD TRIP MAP Farms, Markets & Wineries

20

FITNESS TIPS Fit to Travel

23

SUMMERTIME ACTIVITY GUIDE

34 THE ISLAND'S CRAFT BREWERIES 36 COMMUNITY CULTURE

A House in George Square 38

MONEY CENTS Understanding Investment Fees

40

ARTS & ENTERTAINMENT

and coupons!

communities ISLAND SPECIAL OFFERS

start here

GREATER VICTORIA SEE PAGES 42-47

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F L AVOURS

F R OZ E N S U M M E R T R E ATS

recipes Raspberry Peach Pops 4 slightly heaped cups fresh, ripe raspberries

1/4 cup Blood Orange Olive Oil

3/4 cup granulated sugar (we used the latter but use less if you’re sensitive to sugar)

3/4 cup condensed milk

1/4 Cup Peach White Balsamic Vinegar

1 cup Vietnamese coffee, chilled

1/4 Cup Water

1 1/2 tbsp Vietnamese coffee grounds or your favorite coffee grounds

1 Tbsp Lemon Juice

1/2 tsp ground Cardamom

Pinch of sea salt Combine the raspberries and sugar in a bowl; let them sit for 15 minutes.

Add berry mixture to a saucepan and add the water and vinegar.

Bring just to a boil then reduce to a simmer, and cook for 5 minutes.

Let cool to room temperature.

Once cooled, transfer to a blender or food processor, add the lemon juice, salt and blend until mostly smooth (I find some leftover bits lovely in here).

Divide between popsicle moulds.

You’ll have about 3 1/4 cups of the mixture, which divides evenly among 10 1/3-cup molds, with 1/4-inch space on top to make room for expansion in freezing.

Freeze for about 5 hours, or until completely frozen.

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Vietnamese Coffee Ice Cream

AlmostFreeMagazine.com | SUMMER 2016

1 cup Half and Half

seeds of 1 Vanilla Bean pod or 1 tsp vanilla bean paste

Blood Orange Cream Pops Dip in lukewarm water for 10 seconds to unmold each popsicle.

3 large Oranges 1 (14-ounce) can sweetened condensed milk 2 Tbsp Cara-Cara Orange Vanilla White Balsamic Vinegar 3/4 cup half-and-half 2 Tbsp Blood Orange Fused Olive Oil Pinch of salt

1/4 tsp Fleur de Sel

Juice oranges until you have 3/4 cup fresh juice.

Step 1 - In a medium glass bowl, whisk together condensed milk and blood orange olive oil until well blended.

Then whisk together all remaining ingredients. Pour into a resealable container, then cover and refrigerate for at least 1 hour - until mixture is extremely cold.

Add juice, condensed milk, vinegar, half-and-half, olive oil and salt to zest and whisk together until thoroughly combined.

Step 2 - Assemble ice cream maker and pour in ice cream base while machine is running. Churn as per manufacturer instructions - usually 15 minutes or until you have a firm, softserve type ice cream or the mixer stops entirely. Disassemble base and scoop ice cream into a loaf pan or other freezer safe container. Cover with plastic wrap and freeze until firm - about 3 hours.

Scoop ice cream once completely hardened.

Dip in lukewarm water for 10 seconds to unmold each popsicle.

Pour into popsicle moulds. Freeze for about 5 hours, or until completely frozen.

Find the Infused Olive Oil and Balsamic Vinegar products used in the recipes at Olive the Senses

FLAVO URS

We NOW have a Dried Spice Section!

Enjoy the Recipes on Page 12-13 of this issue of “Almost Free” Magazine using our Infused Olive Oils & Balsamic Vinegars and NEW Spices!

IN THE HUDSON, 1701 DOUGLAS ST

250.882.4210 VISIT OUR ONLINE STORE

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COPPER WATER PITCHERS + AYURVEDA COOKING TECHNIQUES Creates Unique Dining Experience at New Asian Village 1245 Wharf St, Victoria

I 250-381-8181

Harmeet spends time each year at the Ayurveda Centre on the Himalayan Institute Campus and brings back knowledge he can apply in the restaurants and life.

AYURVEDA DEFINITION: Ayurvedic medicine -- also known as Ayurveda -- is one of the world's oldest holistic (whole-body) healing systems. It was developed thousands of years ago in India.

It is based on the belief that health and wellness depend on a delicate balance between the mind, body, and spirit.

AYURVEDA COOKING: The 5,000 year-plus-old Indian health science, which first introduced the art of ‘personalised cooking’. In fact, it went a step further by demonstrating how not only what you eat makes a difference but how it is prepared also makes a difference. Based on the understanding of the unique combination of Vata (Ether), Pitta (Fire) and Kapha (Water) that constitutes the human body and balances its life forces, the Ayurvedic cuisine encompasses dishes made with such combination of food that optimises these elements in the human body. ~Dash, Madhulika (2014, September 4) The legend of Ayurveda cooking and how it can heal your body. http://indianexpress.com/article/lifestyle/ food-wine/the-legend-of-ayurveda-cooking-and-how-it-can-heal-yourbody/

Honouring his mother for inspiring the concept of New Asian Village, owner Harmeet Kapur says his mother became famous on the Edmonton scene for her cooking and motto, “I cook from the heart”!

The first New Asian Village restaurant in Edmonton opened in 1983 with 37 seats and grew to 14 locations (3,000 seats) in the city, and now the newest one in Victoria at the corner of Yates & Wharf.

More than the ultimate in East Indian food with a modern and calming ambiance and a fantastic location, New Asian Village also holds your health in high priority. Both Chef Raj Rana and owner Harmeet share extensive knowledge in Ayurveda Medicine and Cooking Practices and Chef Raj Rana (left) and General Manager Ali Khan (right)

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AlmostFreeMagazine.com | SUMMER 2016

Some of New Asian Village's signature dishes

Owner Harmeet Kapur alongside the 30 dish buffet

Applying Ayurveda Cooking Techniques to all 30 buffet items—made from scratch and served twice daily—brings together Chef Rana’s passion for cooking, hard work, and impressive background. Chef Rana’s experience includes owning restaurants and a time working at The Taj Mahal Palace in Chandigarh, the biggest 5 Star Restaurant Chain in India. New Asian Village’s signature dishes keep customers coming back for their butter chicken, veggie korma, goat curry, tandoori dishes, and more.

Vegan, vegetarian, lactose free, and many gluten free options make up the buffet, which also includes meat and fish options. They serve certified halal meat; Halal is an Arabic word that means "permissible." In terms of food, it means food that is permissible according to Islamic law.

For a meat to be certified "halal," it cannot be a forbidden cut (such as meat from hindquarters) or animal (such as pork.) Customers may request gluten free bread in place of naan, and they offer a beautiful hot curry sauce for those who prefer spicier Indian cuisine. General Manager Ali Khan with an impressive Masters Education from Swiss Hotel Management School stresses the significance of their food made from scratch and at a spice level which all palates can enjoy. Even the dessert yogurt is made daily from a culture that is 34 years old.

Spice combinations from cumin, turmeric, garlic, black pepper and many others, and cooking from scratch using fresh ingredients outline some of the general principles in Ayurveda Cooking for optimal health. In the kitchen of New Asian Village, they grind their own spices from the whole products they import from India and make absolutely everything from scratch. A sauce may take 3-4 hours to make starting with grinding the whole spices, then sweating the onions, preparing the meat and vegetables and finally combining everything and allowing it to simmer. “Every sauce is different than the others starting from the four base sauces that use different spices,” explains Chef Rana. “Dairy, meat, and cream bases are from the north of India, where coconut, fish, and lots of spice comes from the south like Vindaloo.”

As for the copper water pitchers - this was a must have for owner Harmeet. In Ayurveda, drinking water stored in copper helps the body’s pH level alkalize. Harmeet also stresses the importance of drinking warm versus cold water for following Ayurveda practises.

Stay posted each time you visit and online – in the near future owner Harmeet plans to open a Jazz Club at night from 10pm – 2am, 7 days a week serving late night bites and cocktails.

Some of the Health Benefits Found in Spices According to Ayurveda Medicine: Cumin: Anti-cancer and good for the digestive system Turmeric: Healing of Skin Black Pepper: Good for digestion Garlic: Anti-cancer Cinnamon: Helps circulation and inflammatory issues Cardamom: Mouth freshener Open 7 Days a Week I 2 Buffets Daily Dine In, Take Out & Delivery NOW OFFERING LUNCH BOXES: VEGETARIAN & NON-VEGETARIAN Open Weekdays 11:30am – 10pm I Weekends 12:30pm – 11pm 1245 Wharf St, Victoria I 250-381-8181 www.newasianvillage.com Follow us on Facebook: NewAsianVillage Victoria Vancouver Island’s FREE coupon and affordable living magazine

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15

H E ALTH &

wellness

LOVE LESSONS

from my first 50 years

BY VICTORIA HOLMES, Inspirational Speaker, Writer, Life Coach

Love yourself first, all of you. Believe in yourself. Everyone has self doubt, don’t let it sabotage you or make you feel like you are different. Make yourself a priority.

Don’t take on too much, learn to say no – often.

Laugh. Connect with your sense of humour, and don’t take yourself seriously all of the time. Everything always works out. If you wait long enough, almost any situation has something in it that you will reflect on with humour.... eventually.

Save some money for a rainy day.

Every time I visit my dad he says this.

Most of the time it just irritates me. Why is that? Probably because I don’t like to have a mirror held up to my shortcomings.

My response is always, “Dad, I am doing the best I can.” The truth is, I wish I had listened the first time he told me.

Believe in something greater than yourself. Whatever that looks like to you, you will know it is right when it feels right in your soul. Thankfully, I have people in my life from many cultures and religions, and I have noticed that the happiest people are those who have faith in an energy that is greater than our singular energy here on earth. We are hard-wired for connection with ourselves, each other, and to our collective existence.

16

Surround yourself with like-minded people. When you are enveloped by those who have the similar values, work ethics and social interactions, you are most at home in your environment. You feel supported and connected. You feel like you are part of a community that is committed to your passion.

People will reject you - and you will survive it. The notion that everyone needs to love and approve of us has made many of us so focussed on people-pleasing, that we forgot what pleases us. I have had a deep rooted fear of rejection most of my life. I realized that I was giving away my power, putting my worth in someone else’s hands. I learned to accept rejection without emotion because I realized it had nothing to do with me, and the only unconditional love that I need to focus on is self-love. When I keep my attention there, everything else happens outside of me.

Let go. Yes, even your children, especially the adult ones! Live your own life and let them live theirs. Embrace uncertainty, but trust that everything will work out with time. Relax and trust in the process of life. Let your children be who they are. You be who you are. A good system for monitoring interference is to

AlmostFreeMagazine.com | SUMMER 2016

notice when you are upset with your child who is over a certain age; then ask yourself ‘whose business am I in?’ Be honest, even when you don’t like the answer! When your young child triggers you, it is a cue to ask yourself why you were triggered by their behaviour. You can learn to recognize the trigger so that the next time it shows up you will have the skills to deal with it in a way that will be less stressful for you and your loved one.

Practice forgiveness; and sometimes it takes practice! Strive to get to a place where you can look back and be thankful for the experience and what it has taught you. Recognize that you are the person you are today because of your experiences. It’s never too late to practice forgiveness, it is personal and doesn’t have to be shared with the person whom you are forgiving. It is favourable to your health and will make it easier to live your happiest life.

What you give attention to you get more of. That’s how life works. Many great teachers have taught this, including the Proverb, “As a man thinks in his heart, so shall he be.” There is a law of attraction that is always working. If you spend your time focussed on another person’s flaws, you can be sure that you will find more

H E A LTH &

wellness

flaws the next time you see that person! Likewise, if you believe all things work together for your highest good, you will continue to find the best vibrational frequency in every situation.

Be you – always. Be sure that the person ‘you’ is the same ‘you’, whether it is online, in person, with the neighbour, or with the Pope. The easiest way to do this is to always be authentic, truthful and mindful. Being ourselves is a progression. We reinvent different aspects of ourselves, and our core values evolve as we learn to trust and love our true selves. You can trust yourself.

Feel your feelings. Avoid numbing your feelings with distractions like alcohol, food, electronics or other addictions. You will feel vulnerable and exposed, but let me assure you, that is where the knowledge, confidence and real learning reside, right outside your comfort zone.

Pay attention, be mindful, remember to breathe.

Be brave and thoughtful about what comes next. Practice self-compassion. Be strong in the knowledge that the next time those feelings come up you will have a new confidence to deal with them. You are more powerful than you think you are.

Follow your passion – no matter what obstacles you think lay before you. Never stop learning. If you keep moving with ambition, when the opportunity presents itself you will be ready to act on it. I can’t emphasize this enough, stay true to your passion and your passion will make a way for you.

Life is a work in progress. Some years we march forward steadfast in our goals and convictions, other years we take a time-out to reexamine who we are and where we are going, or sometimes just to rest. In each of those segments, we are doing exactly what we are destined to be doing based on the knowledge we have at the time. We are more than enough, we are valuable, we are all teachers and students. We are blessed beyond our comprehension. Take time each day to acknowledge those blessings, each one is stepping stone to another. Here is to another blessed 50 years!

Victoria Holmes Inspirational Speaker, Writer, Life Coach Dedicated to helping you live a happier, healthier, more abundant life.

Heal Your Life Workshops and Life Coaching.

victoriaholmes.ca

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| AlmostFreeMagazine.com

17

4

S UMMER ROA D MA P

1

Fundraising Concert at Glenora Farm

rni

19

Nan

Central and North Central Island

Lad

for Special Olympics Cowichan Valley Sat. July 16th 1pm – 4pm

Mbira Spirit • King Tide • Glenora Farm Bell Choir

www.glenorafarm.org

Join us on the lawn for an afternoon of music, snacks, and refreshments by donation.

Bring a blanket!

Nothing says getting to know the regions of Vancouver Island and new-to-you neighbourhoods quite like taking to the back roads to visit local farms, wineries, and markets! The abundance grown on the island throughout the summer and year round means you can eat fresh local foods for much of the year and support our local producers. We hope you'll take the time for a day trip to some of these wineries and farms, and for weekly groceries rotate between the lovely products and ambiance at Esquimalt or Oaklands Market.

BRITISH COLUMBIA

Suggested entrance donation : $20, Families $30, SO athletes $5

www.specialolympics.bc.ca

2 "Simply put, Emandare Vineyard is our home and we are privileged to work alongside nature to capture a glimpse of this place in every bottle.”

100% Estate grown in the Cowichan Valley. Sustainable farming & natural wine making.

Cowichan Lake

Cowichan Valley

DISTANCES (1Km = .6 miles approx.)

Victoria to Mill Bay - 41 km Mill Bay to Cobble Hill – 7 to 10 km Cobble Hill to Duncan – 10 to 14 km Duncan to Nanaimo – 51 km Duncan to Salt Spring Island Ferry – 15 km

THURSDAY - SATURDAY 11AM TO 6PM • emandarevineyard.com

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Summer Special Buy 2 Bottles & The 3rd One Is FREE 100% BC Product from Busnardo Vineyard 1500 Freeman Road Cobble Hill BC 250.743.2311 divinowinery.ca

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1

Gabriola

S U M M ER ROAD M AP

STRAIT THE ULTIMATE OF GEORGIA Island

naimo

Road Trip Map Markets, Farms & Wineries

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Gulf Islands

dysmith

1 Chemainus

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Galiano Island 2

Salt Spring Island

Duncan

Pender Island

3

Cobble Hill

Sidney

Mill Bay Shawnigan Lake

17 4

1 5

South Island Sooke

6 Victoria

14

7

13

7

Sooke Night Marke t Ope n Thursdays 5pm-8pm June 2nd to Sep tembe r 1s t.

Local craf ts, food, produce and art.

He ld on the grounds of the Sooke Region Muse um.

2070 Phillips Rd. Sooke 250-642-6351

5

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19

F IT NESS

tips

FIT

to travel

By Louise Hodgson-Jones

20

Summer is a great time to get outside and maintain your fitness regime. For many it is time to start training for fall races, for others just enjoying the many summer activities on offer is a must. Summer is also a time for vacation, and we are often faced with the dilemma of how to maintain a fitness regime and avoid weight gain while away, particularly in an area or country we are not familiar with. Here are some tips to keeping you motivated and moving.

more. You can usually rent a helmet with the bike so you don’t have to worry about packing one.

• If you are a runner this is a no brainer. Pack your running shoes, some gear and go explore. If you are staying in a hotel, they may have walking routes you can use. If you are travelling alone and prefer not to run on your own in a strange city there may also be local clubs you can tag along with. You can contact a local running store who may have a list of clubs, or see if the Hash House Harriers has a chapter. They are a world-wide running club and welcome visitors.

• Many hotels have gyms/spas so if working out is important to you, then choose a hotel with fitness facilities.

This can be a bonus particularly if it is hot outside. Most hotel gyms have cardio equipment and weights so you can get your workout done in an air-conditioned environment and then enjoy your vacation with a clear conscience.

• Another way to explore while getting some exercise is to rent a bike.

You can go a lot further and see a lot

• Pack your own equipment. It is so easy today to pack a few items in

• Take a hike. If you are vacationing with family then a social way to exercise is to go for a hike/walk. Many cities now have walking tours and you can choose your distance. If you are in an area that has scenic trails then hiking is a great way to stay fit and burn calories. Pack a lunch and you can enjoy a great day out.

• Swim. If your hotel has a good size pool, swimming is a great all body exercise. Or find a recreation centre with a pool and swim lengths.

AlmostFreeMagazine.com | SUMMER 2016

your case and not really take up a lot of space. Start with a Grid Foam Roller – at only 13” long and 5” in diameter it is light and hollow so you can fill it with almost anything. Start with resistance bands – a great substitute for weights, so you can keep up with your strength training, therapy ball – for massaging out tight spots, skipping rope, and a yoga strap for stretching hamstrings.

• Exercising with your own body weight is simple and easy to do. A simple circuit could include jumping jacks, push-ups, lunges, burpees and the plank. These can be done on a beach, in a park or in a gym.

• Stairs. Find some stairs and run up and down for 5, 10, 15 minutes. Your heart rate will get elevated so make sure you walk down the stairs to recover. You can also incorporate this into your run.

• If you practice yoga, pack your mat and a DVD. Some hotels have DVD players or use your laptop. You can also download some videos beforehand on to a tablet.

F I T NESS

• Traveling can wreak havoc on our bodies – sitting too long on a plane, not getting enough sleep because of long flights or a major time change. So it is just as important to think about massage tools. The Stick for example is wonderful for massaging tight muscles from the neck down to the calves.

A therapy ball, as mentioned above, you can lie on to sooth tight spots.

• Just as important as maintaining an exercise regime is watching what you eat. Yes indulge a bit – that is what holidays are for, but try and make some healthy choices. Stay hydrated by drinking water (buy bottled if the local water is suspect) and try and incorporate fruit and vegetables in your meal choices. You can also pack some of your favourite energy bars to snack on.

tips

pounds away while you are away.

There is nothing worse than coming home and finding you have lost a lot of fitness and gained excess weight. Ideally you should be able to get straight back into your routine within a few days, thanking yourself for keeping on track while you were away.

Louise Hodgson-Jones is a media relations specialist, working with events such as the GoodLife Fitness Victoria Marathon, TC10K, and Vancouver Island Race Series. She also coordinates communications for PISE and the Pacific Cycling Centre, and writes for IMPACT Magazine and Canadian Running. www.corsafit.com @LouiseHodgsonJo Photo Credit: Elissa Bergman.

These are just a few tips to help you stay fit and ward of those extra

Join MEC and Merridale for our first annual MEC Fall Century Ride: 60K/105K. Ride through the scenic roads of lower Vancouver Island. Followed by a postride celebration of pizza and cider tasting at Merridale.

Entry Fee: $45 (only 500 spaces available) More info at mec.ca/viccentury Extend your experience and join us for the Savour Cowichan Festival September 23 to October 3. Enjoy a cold one with pizza on the deck.

More info at merridalecider.com

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VANCOUVER ISLAND

Summertime ACTIVITY GUIDE

Photo credit: Tyler Cave

Summertime

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23

HIKE

Mt. Tzouhalem MOUNT Tzouhalem is located in the Municipality of North Cowichan Municipal Forest. Mount Tzouhalem is a well known landmark overlooking Cowichan Bay and Quamichan Lake. It is 500 metres high at the top of the steep rock bluffs on the southwest side.

Crofton Ganges

North Cowichan Hwy anada Trans C

MAPLE BAY Kingsview Rd.

Duncan

M ap le Ba yR d.

1

Tzouhalem Rd. Trunk Rd

Chippewa Rd. Kaspa Rd. Eco. Reserve

MT. TZOUHALEM

DIRECTIONS: FROM the Trans Canada Hwy. Turn east onto Trunk Road. Follow Trunk which turns into Tzouhalem Road. Stay left at the “Y� junction and you will be on Maple Bay Road. Follow Maple Bay for 3 kilometres, then turn right onto Kingsview Road and follow it up to Chippewa Road. From here follow direction signs to the Mount Tzouhalem Ecological Reserve. Turn right onto Chippewa and follow it to Kaspa Road. Turn left onto Kaspa and follow it to the end where a narrow paved road leads to the parking area by the water tower.

1

After hiking Mt. Tzouhalem drive into Cowichan Bay for a stroll and a bite at Crowe & Appel.

Selling and serving fresh, local, wild seafood, pasture-raised local meats, and organic vegetables in our store and on our menu.

Sit on the covered patio and experience the open barbecue-style outdoor kitchen serving dungeness crab, cedar plank sockeye salmon, mussels and other shellfish, chicken, lamb, beef, oysters, halibut, and more.

Serving local wine, cider, and beer by mid-July

1751 Cowichan Bay Road I 250.748.0020 I croweandappel.ca

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Summertime

ACTIVITY GUIDE AlmostFreeMagazine.com | SUMMER 2016

2016

SAIL AWAY

Cowichan Bay Cowichan Bay Kayaks offers kayak rentals and tours that include stunning morning, sunset, and moonlit views. Take your kayaking adventures even further by perfecting your skills with some lessons! Located on the waterfront in charming Cowichan Bay Village, Cowichan Bay Kayaks offers daily kayak tours, rentals, and lessons, as well as accessories, paddling equipment and clothing sales. Come and enjoy the end of the day with a gentle paddle, watching the sun set behind Mt. Prevost, joined by an adorable pod of seals on the glass like waters of Cowichan Bay.

1

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SWIM at

Sooke Potholes 1 1

14

Sooke PotHoles Regional Park is a swimmers paradise located on the banks of the spectacular Sooke River. Enjoy the views, explore the trails or take a refreshing dip on a hot summer day!

Saanich

Langford

SOOKE POTHOLES PROVINCIAL PARK

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Victoria

Sooke River Rd

Rd Sooke

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Sooke

Metchosin

Join us in My-Chosen Cafe for casual home style cooking, or My-Chosen Pizza (downstairs) for our artisan pizza. mai mai’s bistro eat . drink . enjoy

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ACTIVITY GUIDE GUIDE 2016 2016 Summertime ACTIVITY Summertime AlmostFreeMagazine.com AlmostFreeMagazine.com| SUMMER | SUMMER 2016 2016

Check our website for operating hours www.mychosencafe.com 4492 Happy Valley Rd. Metchosin BC

BIKE the Saanich

14

14

Galloping Goose Victoria

The Galloping Goose is a 55-kilometre multi-use trail enjoyed by walkers, cyclists, runners and, on some sections, horse riders. The trail, named after a freight railway line that ran from Victoria to Sooke in the 1920’s, features paved and rural sections. Highlights of the trail include Thetis and Matheson Lakes, Roche Cove and Fort Rodd Hill. The Goose can be accessed at many points along the way, and with easy identifiable kilometre marks, it is easy to plan a hike or a bike.

FRESH DELICIOUS DELI SANDWICHES ASSORTED REFRESHING BEVERAGES TASTY AND HEALTHY SNACKS

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Cafe: 250-474-2333 Pizza: 250-474-5576 Sugar Shack: 250-474-2380

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27

PICNIC at

Gyro Beach

Victoria's Cadboro Bay has long been a favourite d for sailing and kayaking. More recently, the beautifu bay has become a popular place to Stand Up Padd (SUP). The sport of SUP has deep origins in surfin continued to gain popularity over the past decade. I great full-body workout as you power along the sh a relaxing way to quietly explore around the many islands within the bay. Enjoy a picnic in the park a kids stay and play on one of the best playgrounds in

Victoria's Cadboro Bay has long been a favourite destination for sailing and kayaking. More recently, the beautiful sheltered bay has become a popular place to Stand Up Paddleboard (SUP). The sport of SUP has deep origins in surfing and has continued to gain popularity over the past decade. It can be a great full-body workout as you power along the shoreline or a relaxing way to quietly explore around the many coves and islands within the bay. Enjoy a picnic in the park and let the kids stay and play on one of the best playgrounds in the area.

28

Summertime

ACTIVITY GUIDE AlmostFreeMagazine.com | SUMMER 2016

2016

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Please mention this ad or bring it in!

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Photo credit: Tyler Cave

and

PADDLEBOARD

29

EXPLORE

Mystic Beach Juan de Fuca East Trailhead (to Mystic Beach): Located at Kilometre 0, the Juan de Fuca East Trailhead is the eastern terminus of the Juan de Fuca Marine Trail. From here visitors can either take a 2.5 km day trip to beautiful Mystic Beach or start the 47-km hike.

MYSTIC BEACH

14

Sook e Rd

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Kemp Lake Music Café

GENERAL STORE ART GALLERY CAFE/DELI/PIZZA COFFEE & TEAS FIREWOOD/ICE SHOWERS/HOT TUB/SAUNA LAUNDRY 7-7PM - 7 DAYS A WEEK

Summertime

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Home of Great Food and Great Music Live Music Every Weekend Sat from 7pm & Sun Open Mic/Music Jam 1-5pm

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2908 TIEULIE PLACE (OFF WEST COAST RD) 778-528-2298

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7875 West Coast Rd, Sooke BC V9Z 0R4 250-642-7875

Take-out available.

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AlmostFreeMagazine.com | SUMMER 2016

Westshore's 1st craft brewery located at the site of the historic Loghouse Pub. Opened October 30, 2015 and soon to become Axe & Barrel Barbecue Brewhouse. Stop by their tasting room and rent a keg for your next party.

2323 Millstream Rd., Langford BC / info@axeandbarrel.com 778.433.6746 / 250.474.1989

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THE IS

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Os we go

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SLAND'S

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4 rare style wheat beer named after the Gose River whose slightly salty waters originally gave the beer its characteristic taste.

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35

CO MMUNITY

culture

A House In George Square

BY JENNY HAINSWORTH AULD

In the last summer of the twentieth century, I found myself leaving Scotland, my home for the previous two years, and heading south to travel around France, Italy and Greece. Before you hate me too much, let me explain that this was the result of a series of strange events.

I had come to Scotland on a scholarship, which I had struggled and scrapped to achieve, poor­yet-plucky style, only to discover that grad school was nothing but a nightmare. I woke up every morning and burst into tears when I realized that this was no dream – I was stuck here, far from home, in a spikey, grey city where nothing was familiar and the people had a tendency to mock you openly for their amusement.

I adjusted over the two years to the more abrasive traits of the Scottish people, to the spikes, and to the country itself. In fact I grew to love it, as any fool could have predicted. I even embraced some of the more obnoxious nomenclature, like calling granola bars “flapjacks” and suspenders “braces.” (The Scots would argue that the word “suspenders” was reserved for the concept we call “garter belts.” Honestly, they're too much.)

But grad school was dead to me. I withdrew, got a job in a cafe on the castle mound, and never looked back. Making cappuccinos for tourists for three quid an hour was bliss by comparison.

bequest of spiritual children who had gone to their heavenly reward. The adjoining house bore a brass plaque declaring that it had belonged to Sir Arthur Conan­Doyle.

In those days, dear reader, I was very religious. I was a die­hard church girl with a young husband to match.

We attended every service in the tiny Russian Orthodox church in George Square. I would sing the sung parts and he would read the readings. Morning before work, we were at Matins. Evening before supper, we were at Vespers. The church kept a monastery schedule, hence the frequency of the services. I got very good at singing the Lord's Prayer in Russian and Greek. My clothing reeked constantly of incense from Mount Athos – rose, frankincense, cedar. Depending on the day.

Then in 1999, the bottom fell out of the oil industry, with the price of crude falling to a few dollars per barrel. Cairn began to lay off staff, beginning with foreigners and recent hires. My husband was both. He was out of a job, I was washed up as an academic. There was nothing left but for him to become a priest, or so we reasoned.

The church was the converted front room of a Georgian row house – the kind you see in the opening credits of Coronation Street. The house was owned by a frail, wizardesque monk named Father John Maitland­ Moir. It was rumoured that, despite his ascetic lifestyle, Father John owned a lot of property in Edinburgh and beyond. Some was from family inheritance, some the

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My husband had managed to get a job in an oil company called Cairn Energy. This was achieved through family connections, which, it turns out, is the only way to get a job in Edinburgh that pays more than three quid an hour. Thus he was able to keep me in Strongbow and macaroni pies while I taught myself calligraphy and tried to figure out what to do with my life.

We phoned our bishop back in Canada. “When should we go to St Vlad's?” (St Vladimir's Seminary is in New York.) “Why not this fall?” said the bishop. It was April. Cairn Energy gave my husband a lump sum as a consolation for being let go. “Should we pay down our student loan, or travel around Europe for the summer, while we're already here?” we asked ourselves.

“The Europe thing.” We answered. Thus, come June, we found ourselves owning nothing but two new backpacks, two new pairs of sturdy shoes, and a few changes of clothes. We locked our empty flat and walked across The Meadows to our last Vespers in Scotland.

CO M M U NI T Y

culture

After the service, Father John Maitland­Moir shuffled outside onto the front stoop to bid us farewell. In the green and gold light of the northern summer evening, you could see the neatly stitched patches on his cassock and the black­on­black embroidered grape vines around its collar.

He had a couple of questions to ask us young people before we left. “What is The Internet?” We did our best to answer him.He pulled thoughtfully at his beard for a moment. “What is Email?”

Again we attempted to answer, and again he mulled over this brave new world. Finally, he raised a bony hand over us in blessing, murmured “Kalo taxidi”, and disappeared back inside.

We had given him a giant eraser as a parting gift, and told him that he was not allowed to die until it was used up. He died about four years ago. I don't know the state of the eraser. I imagine there is a lot left. I don't know who, or what, inherited the house in a Scottish city that was somehow also an Athonite monastery.

We caught the train of Waverley, away from Edinburgh.

We quoted Keats as the hills and villages unfurled out the train window, because we were total cheeseballs. “O for a beaker full of the warm South/ Full of the true, the blushful Hippocrene.”

Whatever that was. We were on our way to find out.

Jenny Hainsworth Auld is a BC born painter and writer living in Victoria. Find her art and stories on her Facebook page "Jenny Hainsworth Auld Fine Art."

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MO NEY

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UNDERSTANDING

Investment Fees

BY JEN PATERSON & SAIRA WATERS Co-Founders of Dollar Divas

When you are considering investing, how much you have to pay can be confusing.

Investing fees are a multifaceted entity that can be easily misunderstood. The fees depend on how you invest, whom you invest with and what you invest in.

How you invest and whom you invest with DIY Investment Site: These fees can be as low as $5 per trade, which means you pay $5 when you buy and $5 when you sell. Make sure you read the fine print on the website, as each site will charge differently. Also, make sure you are clear about what you are investing in, as each type of investment may have different fees.

Bank: Many people aren’t aware of this, but banks do charge fees when you invest with them. Even the poorly named “no-load investments” include fees. Here is how that works: you don’t

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pay any fees when you invest, but you do pay a monthly charge for holding your money inside the investment. This is called the Marginal Expense Ratio, or MER (find more on MERs below). Be on the lookout for MERs with most bank investments.

Financial Advisor: How financial advisors charge fees varies. Some charge a flat monthly fee, while others charge based on transactions. If you are working with a financial advisor, the best thing to do is talk to them about their fees. Most have at least some control over how much they charge, so be sure to ask.

What do you invest in Stocks & Bonds: When purchasing an individual stock or bond, the most common fee structure is transactional.

This means you pay a set fee or a percentage of your investment every time you buy or sell shares. Flat fees can range from $5 to $100 per trade and percentages can range from 0.05% to

5%. Sometimes advisors discount these fees based on how much you invest with them.

Mutual Funds: These are the most misunderstood investment products on the market. The fee structures are also very commonly misunderstood. Mutual fund fees are split into two camps: upfront fees and MERs. Upfront or Purchase Fees: When you hear people referring to the “load” of a mutual fund, this is the fee they are referring to. There are three types of loads: Front End Load, Back End Load (also called Deferred Service Charge) and No Load.

Front End Load: This is when you pay a percentage of your investment upfront. This fee is what pays an advisor’s commission. It usually ranges from 0 to 5% and is generally chosen by the advisor. For example, if you invest $100,000 and pay 2% front end load, $2,000 is paid to the advisor in commission and $97,000 is invested.

M O NEY

Back End Load: This is a very contentious subject in the investment world simply because it’s not generally explained properly. There are no upfront costs but if you pull your money out of the investment, you get hit with a big fee. The amount of the fee decreases with every year that you hold your money in the investment. Using the above example, all of the $100,000 goes into the investment.

But if you pull out in the first year, you pay 5.5% in fees, which is $5,500. Usually a deferred service charge schedule runs anywhere from three to seven years.

No Load: No load is common at big institutions, like banks. Here you don’t pay an up-front charge and there generally isn’t a fee to remove your investment early. However, you might want to read the fine print carefully: while there may not be deferred service charges, there may be early withdrawal penalties. It is a way to avoid the stigma of deferred service charges without losing out on fees.

SierraSil with Curcumin: The Natural Approach to Joint Pain

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With numerous research studies conducted throughout the years, many individuals including athletes, professionals and those dealing with joint pain, have benefited from SierraSil. Within 14 days of supplementation, they have been living life to the fullest with less pain and more mobility.

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Unlike other joint supplements, SierraSil targets the root cause of joint and muscles

MERs: Marginal Expense Ratios, or MERs, are monthly charges that are present on every type of mutual fund and ETF (exchange traded fund). They can range from 0.05% to 3% and are not listed on your statement, which is why most people don’t know they are charged. For example, when an investment with a 2% MER makes a return of 8%, 2% of that return is given to the investment company to pay for the investment manager and administration.

The investors see a return of 6% on the statement. This occurs every month regardless of whether the investment makes money or not. If the fund has a loss of 2%, the investors show a loss of 4% on their statement.

A note on “fee for service”: A coming trend in the financial advising profession is “fee for service” advice. These fees can be charged in a few different ways.

Some advisors charge a monthly fee for unlimited access and trades. Another way is a one-time charge for a creating aches while reducing cartilage breakdown.

With strong detoxifying properties, SierraSil helps remove toxins from the body and flush them through the digestive system, while being easy on the stomach. The synergistic effect of the unique properties of SierraSil results in significant relief of discomfort associated with physical activity, aging, and some health conditions such as osteoarthritis.

These include joint and muscle pain, stiffness, particularly delayed onset stiffness (the day after a heavy workout), and acid reflux.

The anti-inflammatory effects of SierraSil are clinically proven to reduce symptoms of osteoarthritis related to inflammation.

Research studies suggests that SierraSil has a more systemic anti-inflammatory effect that may extend to other areas of the body and consequent efficacy in reducing other sources of inflammation. Many people experience results within 14 days and find it extremely effective long term, making it part of their daily health regimen.

The benefits of SierraSil Calms inflammation Detoxifies the body Eases joint and muscle aches Reduces cartilage breakdown 100% vegetarian and vegan GMO free, gluten free BC Kosher certified Suitable for most dietary types, including diabetics and celiac sensitivities Joint Formula Active Joint Formula Active is a blend of Meriva® curcumin and a lower dose of SierraSil

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a financial plan that is carried out by the client. The most common type is simply an hourly charge for their time.

Before you sign on the dotted line with a “fee for service” advisor, be sure to ask about hidden costs, the types of investments they recommend and what their qualifications are. Fewer regulatory bodies govern these types of advisors, and you may not be getting quality advice.

The best way to be informed about investment fees is to ask a lot of questions. If you aren’t getting the answers that you want, you are always within your rights to take your money elsewhere.

Jen Paterson, Financial Expert & Saira Waters, REALTOR® with Royal LePage, teamed up to create Dollar Divas, the Meetup group for women who want to be financially independent! To learn more about Dollar Divas, check out www.dollardivas.org or find us on Facebook.

mineral complex. Meriva curcumin is a good source of antioxidants, which provides numerous health benefits including joint health support and assistance with maintaining the body’s normal inflammatory response.

Topical Spray Are you looking for instant relief on minor aches and pains? SierraSil’s Topical Spray includes 7 of the world’s finest pain reducing ingredients, including camphor oil (white), eucalyptus oil, aloe vera oil, peppermint oil, rosemary oil, lemon oil, orange oil, as well as the SierraSil minerals. The spray contains no preservatives, synthetics, additives or fillers.

“We chose to try SierraSil after trying many other pain relief products, supplements and treatments for hip pain.

After a year of trying different products, we tried the SierraSil Pain Relief Spray. It worked immediately and an added bonus is that it is an all-natural product.” – SierraSil Customer. Two to four sprays of SierraSil Topical Spray to the affected area will increase blood flow to help reduce pain receptors, promote healing activity and relieve muscles soreness and joint pain. The Topical Spray can be used during massage, physiotherapy sessions or added to a running bath, capturing pain and tensions of the entire body.

Don’t let the pain or stiffness stop you from doing what you love most. For more information, visit www.SierraSil.com.

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ARTS &

enter tainment

FINDING YOUR INNER BOB ROSS AT PAINT NITE

Ever thought you had a creative streak just lurking beneath the surface, waiting to burst out of your fingertips? How does drinking cocktails and socializing with friends while learning to paint by route sound? Welcome to Vancouver Island’s popular Paint Nite. An event, happening at different venues across town (such as bars, golf courses, and pubs) throughout the summer. Paint Nite is a fun creative event where everyone from first-time painters, to experienced veterans can follow a highlyskilled and trained artist along a Bob-Rossesque tutorial to create a beautiful work of art. That they get to take home at the end of the night.

Though I have always had an appreciation for fine art, I never explored this particular inkling as an adult. So, in June, I signed up for Paint Nite at the Highland Pacific Golf Course in Victoria where the ultra- creative Ginja Lion (aka Kim Newns) was hosting and instructing participants on a how-topaint her dreamy landscape painting, A Midsummer Night’s Stroll.

Kim, the self-designated CFO (Chief Fun Officer), tells me how she went through a lengthy process to become one of the key instructors on Vancouver Island. Studying business in University helped, as well as her two years of training in Public Speaking with Toastmasters, but it is her passion for helping others find their inner creativity that motivates her most of all. “I am motivated by encouraging people to embrace creativity and try new things. We are ALL creative - you may just need to find your inner Bob Ross - and that is what we are here for!”

Newns says about Paint Nite.

As she can attest to, No experience is required. Paint Nite teachers provide step-by-step instructions that everyone can follow along with. They make sure to

40

check on everyone and help them catch up when needed. There is always a break in the middle, during which volunteers can give participants some extra support. It is a judgement-free zone. All the supplies are provided: blank canvas, 3 different size paintbrushes, blobs of acrylic paint in different shades on a color palate, cup of water, aprons, and of course, the drinks (disclaimer: people pay for the drinks).

Famous Television host and American painter Bob Ross once said, “We don't make mistakes; we just have happy accidents.”

Perhaps I’ve found another creative outlet, maybe I’ll bring my mother next time.

Kim Newns will be taking some holiday this summer to enjoy the Gulf Islands though there are many talented artists who run events throughout the summer. To see the full schedule visit www.paintnite.com

EVENTS CALENDAR 1) Dvořák's New World Wednesday, July 20, 2016 @ 7:30 pm Join the Victoria Symphony at Christ Church Cathedral for a concert dedicated to Czech composer Antonín Dvořák. Incorporating melodies of the folk music from his native Bohemia, Dvořák’s work reflects his love for his native land in the characteristic rhythms of his Slavonic Dances. His “New World” Symphony, also on the program, is his most popular symphony. Tickets for this concert are $20 and are available through the Victoria Symphony Box Office or at Christ Church Cathedral. Please call 250.385.6515 for details. Victoriasymphony.ca 2) Symphonic Dances Wednesday, July 27, 2016 @ 7:30 pm Join guest conductor Alastair Willis and the Victoria Symphony for an evening of Symphonic Dances including the

AlmostFreeMagazine.com | SUMMER 2016

Tchaikovsky’s Polonaise from Eugene Onegin and scenes from Swan Lake as well as Strauss’ Blue Danube Waltz in the hallowed halls of Christ Church Cathedral. Organist and Cathedral favourite Michael Gormley also shines two organ concertos including Albinoni’s Adagio for Organ and Strings.

Tickets for this concert are $20 and are available through the Victoria Symphony Box Office or at Christ Church Cathedral.

Please call 250.385.6515 for details.

Victoriasymphony.ca 3) Dancing Through The Ages Drop-in Renaissance Dance. Wide variety of Dances from slow and graceful to lively tunes. All steps taught and called.

Tuesday evenings 7-9pm Ukrainian Hall 3277 Douglas (Corner of Douglas &Roderick). Downstairs Hall off Roderick—onsite parking $5/ night to cover hall costs, first time Free Heatherbubiak@shaw.ca 4) Langham Court Theatre's Let’s Create A Play Summer Theatre Camp, facilitated by Tumbleweeds Theatre, brings a theatre camp experience to Victoria like none other this summer for two weeks, July 18th-29th. A completely immersive experience in acting, production and life in a working theatre.

Participants will work together to create an original production from scratch to be performed on July 29th inside the historic Langham Court Theatre. Two streams available for youth ages 8-11 and 12-16. Have fun and create memories to last a lifetime.

Registration through Langham Court Theatre: Phone : (250) 384-2142 Registration is limited to 24 so call now!

Deena Kinarthy, Arts & Entertainment and Media Expert deena.vaf@gmail.com

A R TS &

Dancing Through The ages

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Langham court theatre, partnered with tumbleweeds theatre, cordially invite you to our

Let’s Create A Play Summer Theatre Camp 2016 July 18-29th

• 2 weeks to hone your craft • 2 weeks inside a working theatre to call home • 2 weeks to create an original production • Have fun and create memories to last a lifetime 2 streams to choose from:

Drop-in Renaissance Dance Wide variety of Dances, from slow and graceful to lively tunes All steps taught and called No costume Required

Tuesday Evenings 7-9pm Ukrainian Hall 3277 Douglas Downstairs Hall $5/night to cover hall costs First time free

heatherbubiak@shaw.ca

Stream 1 8-11 years of age July 18-29 10:00am-12:30pm, monday-friday $250.00 Stream 2 12-16 years of age July 18-29 10:00am-3:00pm, monday - friday $350.00

registration through Langham court theatre: Phone:(250) 384-2142 registration is limited to 24 so call now!

(Langham court and tumbleweeds members are $300.00)

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The world lost a beautiful person last month and we will not forget you. The staff at the magazine, and the Publisher Elissa Bergman got to know Linda in a professional manner and that grew to a friendship. Linda had a heart of gold embracing each greeting or conversation with love and openness, interest, passion, and a smile and laugh that imprinted a contagious memory on those she met.

We aspired to her positivity and zest for life.

Quilting had always been a passion for Linda and you would often find her sewing away in the Fort St storefront window with a big smile on her face and a wave to neighbours passing by. When she saw an opportunity to buy the busy, well-established quilt

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AlmostFreeMagazine.com | SUMMER 2016

Linda in her favourite sewing spot by the window

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Downtown Langford in Victoria Quickly becoming a central hub in the Western Communities, downtown Langford is quickly expanding where downtown Victoria businesses find their second location in the bustle of these streets. If you haven’t poked around Goldstream Avenue and area, you’re overdue. The ample free parking and densely situated shops make it an easy trip to discover ALL types of shopping. Go ahead and explore, eat, and be entertained!

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