Drishti January-February 2025

Welcome to the first and most inspiring issue of the year, featuring exclusive coverage of the tremendous success of the 10th anniversary of the Drishti Awards gala. Beyond mere recognition, the Drishti Awards serve as a source of inspiration; every award winner exemplifies the possibilities for others.

JANUARY/FEBRUARY 2025

Publisher

Nawal Tandon

Editor

J.M.Lee

Health Editorial

Arun Garg

Advisor

Anil Sharma

Sales & Marketing

Nawal Tandon

Graphic Designer

Jatinder T, Jose L

Writers

J.M.Lee

Pooja Valeja

Veeno Dewan

Surbhi Gogia

Vineel Rajan

Max Singh

Jayakrishnan

Capt. Sukhbir Mangat

PUBLISHER’S

Undoubtedly, the world is navigating a challenging time filled with change and numerous hardships. Staying positive and happy can be tough, but it’s a battle worth fighting. Hope and gratitude are the two forces that help us endure difficult times with the understanding that “This too shall pass,” as nothing remains the same forever. There is always hope for light at the end of the tunnel, regardless of how intricate the circumstances become. We must confront life's challenges head-on. Focusing on the positive has proven to be a blessing for us. Happiness is an art; you must pursue, nurture, and commit to it. We have no choice but to maintain a positive outlook, or else we can hardly think, inspire, or enjoy our lives. Therefore, we can reflect on my favorite song, “Don’t Worry, Be Happy” by Bobby McFerrin, which was released as the first single from his fourth album, Simple Pleasures (1988).

Empowerment, inspiration, information, beauty, fashion, art, and culture are central to our magazine’s ethos, and this issue elevates these themes with incredible stories of remarkable individuals and businesses. Our cover star, Kshitij Bhupendra, excels in many aspects of life, and we are proud to present his success story to the world. Additionally, we feature Kyle Sarai, a senior Investment and Wealth Advisor who helps families transform wealth into legacy, and Principal Sukhbir Bolina of Choice School, who nurtures gifted children around the globe. These are just a few highlights from this issue, and much more awaits you within the pages. We hope the stories inspire you as you explore them.

Drishti Magazine is published by Drishti Media Group Ltd. The views expressed and images used in the articles of this Magazine are solely of their writers. It is not mandatory or complusary for the Publisher and/or the Editor of this publication to be in agreement with these views. The whole matter in this magazine has been taken from approved and accepted sources, and while publishing the same, every care has been taken, but even in case there is any flaw or error, the Publisher and/or the Editor will not be responsible for it. The readers are advised to get all information from the sources directly and not through this magazine. Any reproduction of this magazine, editorial content, images or advertisement cannot be reproduced or reprinted in any other form, without prior written permission from the Publisher.

Contact

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Connecting the Dotsbuilding a healthy society

You and Your Health INFLAMMATION

Arun K Garg Ph.D. MD FRCPC

Medical Lead, South Asian Health Institute, Fraser Health (www.fraserhealth.ca), Clinical Professor, Faculty of Medicine. e University of British Columbia, Executive Member: Global Association of Physicians of India Origin (www.gapio.in)

In ammation is a word derived from the Latin “in ammation” (“to set on re” or “to in ame”). It is the body’s response to ght diseases to keep it healthy.

Our understanding of in ammation forms the basis of health. “Injury” can be acute or chronic. Infection from invading microbes is the primary cause of acute in ammation, a sudden body response to harmful stimuli. Acute in ammation brings healing, restoration, and recovery from injury. Cardinal signs were ushed skin, pain, swelling skin, hot to the touch, and loss of function. Usually, it resolves in a short time insult (injury or infection).

Another type of in ammation is more complex and a signi cant component of most chronic diseases like diabetes, autoimmune disorders, cancer, dementia, obesity, metabolic disorders, and arthritis, to mention a few.

So, understanding in ammation is becoming critical for good health. Lifestyle health management involves in ammation, which is the science behind all interventions quoted in Lifestyle Medicine. us, understanding the science behind chronic in ammation is essential. is helps us motivate and self-manage to be healthy. Chronic in ammation is impacted both by nature and nurture. Nature is responsible for genetics. us, many autoimmune disorders, in ammatory bowel disease, and neurodegenerative disorders have a basis in nature. As science gets better, prevention and management will improve. However, nurture is still responsible for a signi cant part of chronic in ammation; this is the basis of lifestyle interventions.

e main components are nutrition/diet, stress, sleep, and physical activity. Some of the lifestyle in ammation in uencers are air pollution, chronic negative physical and emotional stress, environmental contamination, an inactive lifestyle, processed food, smoking, and excessive alcohol intake. us, we can in uence and reduce our exposure to these in uencers.

For food and diet, much has been written; su ce it to say, habits around food like when you eat, why you eat, how you eat, how much you eat, and what you eat. Please see my videos on YouTube, 5 Ks of Eating. Increase plant-based eating, control portion size, and reduce carbohydrate serving. Carbohydrate awareness is a low-hanging fruit for our community; try to add proteins and reduce carbohydrate servings (only one primary carbohydrate with a meal—a choice of roti, rice, or potato; choose only one, not all 3). e meal should balance healthy fats, carbohydrates, and proteins. is simple change can reduce the onset of chronic diseases like diabetes.

In addition to food and nutrition, pay attention to physical activity and body weight. Do not smoke, and get enough sleep. One area that o en gets neglected is oral health. Oral health may be a silent cause of chronic in ammation, so pay special attention to it.

Now, we will focus on external interventions to reduce in ammation. Pharmacological treatments are the mainstay, and many classes of drugs are available. ese are administered through your physicians and other health care providers. e recent advent of “biologics” has changed the management of chronic in ammation-related diseases. Another emerging area is our understanding of GUT, the brain connection. e gut is called the second brain, and billions of microbes in the large intestine play a signi cant role in the pathobiology of chronic in ammation.

Finally, the role of self-awareness, self-realization, and self-empowerment and your health are emerging as the major components of good health. I call this internal intervention. Along with lifestyle interventions, this forms the foundation of a healthy life and living. So, a fantastic, healthy, and harmonious 2025 to you all. As you recharge, I hope you include some of these interventions for better health.

DR. RANDEEP GILL: HEALING THE HEALTHCARE SYSTEM

T“Chronic underfunding is at the heart of the problem,” says Dr. Gill. “There’s a growing population and stagnant healthcare investment in our region.” His mission is to provide lasting solutions and steer the system toward recovery.

by SURBHI GOGIA

he healthcare crisis in the South of Fraser, particularly in Surrey, has been diagnosed based on clear symptoms: chronic shortages of nurses, insu cient hospital beds, overcrowded emergency rooms, and delays in timely, life-saving interventions. However, the government’s response has been quick xes and super cial policies, ignoring the root causes. Dr. Randeep Gill, an Emergency physician at Surrey Memorial Hospital, has stepped out of direct patient care to identify these underlying issues.

“Chronic underfunding is at the heart of the problem,” says Dr. Gill. “ ere’s a growing population and stagnant healthcare investment in our region.” His mission is to provide lasting solutions and steer the system toward recovery.

Surrey’s rapidly growing and diverse population places demands on healthcare infrastructure that outpace those in Vancouver. “While Vancouver residents have access to six times the number of hospitals compared to Surrey residents, per capita funding lags behind annually,” Dr. Gill explains. “ is results in a shortfall of almost half a billion dollars every year. When compounded over decades, it’s clear why we’re facing this crisis.”

Dr. Gill is determined to ensure residents of Surrey and the surrounding region, from the Pattullo Bridge to Hope, no longer receive second-class treatment. e area, home to a large South Asian population at higher risk for heart attacks and strokes, has lacked the resources to address these leading causes of death e ectively.

Dr. Gill believes healthcare is a human right. “Early in my career, I witnessed how access to care and outcomes varied by postal code, which inspired my commitment to equitable, quality care for all,” he says.

Dr. Gill’s advocacy has already delivered signi cant results. In 2023, his e orts secured a cardiac catheterization lab to improve patient outcomes and rallied the community to demand action. is prompted the provincial government to announce 30 priority initiatives for Surrey Memorial Hospital. His leadership also led to the approval of a second hospital tower, addressing the region’s growing healthcare needs.

Dr. Gill’s advocacy is deeply personal. “When I was nine, my father su ered a catastrophic accident that le him quadriplegic,” he recalls. “Watching healthcare professionals care for him with such dedication changed my life forever and reshaped my perception of medicine.”

A er training at e Johns Hopkins Hospital and working at Columbia University in New York, Dr. Gill began his career with optimism. However, like many colleagues, he grew frustrated with a system that le him battling burnout and struggling with structures meant to support care. A turning point came when he worked in an underresourced area and saw rsthand how systemic inequalities denied people access to basic care. is experience cemented his unwavering commitment to advocacy and equity in healthcare.

Recognizing the signi cant disparities in care, particularly in Surrey, Dr. Gill courageously stepped beyond his role as a physician to address the systemic issues a ecting residents. Despite potential backlash, he used his platform to shed light on the crumbling healthcare infrastructure in one of British Columbia’s fastestgrowing regions.

He boldly and respectfully advocated to the Ministry of Health on behalf of Surrey residents, securing a commitment to expand critical infrastructure. His e orts resulted in the approval of a state-of-the-art cardiac catheterization lab and a much-needed second tower at Surrey Memorial Hospital. is victory is not only a testament to Dr. Gill’s determination but also a milestone for healthcare equity in Surrey. His ability to stand as a voice for the underserved, while fostering collaboration with policymakers, re ects his unwavering commitment to

building a healthcare system that serves all with dignity and fairness.

Dr. Gill’s contributions extend beyond advocacy. During his residency in New Jersey, he founded the Youth Education and Empowerment Support (YEES) program, which provides mentorship, education, and opportunities for young people in ganga ected areas. Upon returning to BC, he continued this mission as the medical director of the Youth Vine Clinic, addressing the physical and mental health challenges faced by vulnerable youth.

As a director of the Surrey Hospital Foundation for the past 10 years, Dr. Gill has been instrumental in securing substantial funding for transformative initiatives, including youth mental health services and the much-anticipated cardiac catheterization lab. Recently, he joined the board of Canuck Place Children’s Hospice, driven by an unwavering commitment to providing

As a director of the Surrey Hospital Foundation for the past 10 years, Dr. Gill has been instrumental in securing substantial funding for transformative initiatives, including youth mental health services and the much-anticipated cardiac catheterization lab.

compassionate care, ensuring that both patients and their families nd strength, support, and dignity during life’s most challenging moments.

Dr. Gill has long been a beacon of leadership in his community, and his tireless e orts are poised to transform healthcare in groundbreaking ways. rough his advocacy and unifying vision, he has brought healthcare workers and the community together, highlighting the glaring inequalities that demand change.

KYLE SARAI HELPING FAMILIES TURN WEALTH INTO LEGACY

“We specialize in growing wealth through GICs, stocks, and bonds. However, our real expertise is in ensuring wealth is not only grown but also passed on tax-efficiently to future generations.”

by SURBHI GOGIA

Over the years, Kyle Sarai, Senior Investment and Wealth Advisor, has observed rsthand the remarkable wealth the South Asian community has accumulated in the Lower Mainland, especially in the Fraser Valley. Whether through small businesses, real estate, or other assets, the South Asian community has shown an impressive capacity for building capital. Kyle, however, o en observes a recurring theme: “Many lack a clear strategy for structuring their wealth to ensure it grows and passes seamlessly to future generations; thus, the next generation is o en unprepared to inherit these assets and signi cant stresses in retaining this new wealth.”

Kyle has assembled a team of independent Advisors under Sarai Wealth Management (www.kylesarai.ca) to provide a solution to this issue. Operating with RBC Dominion Securities, Sarai Wealth Management has assisted clients in achieving their wealth management goals for over a decade in Vancouver. Recently, the team moved to a new o ce in South Surrey, strategically positioning themselves to better serve clients in the South Fraser region.

He explains the move: “Approximately $80 trillion in wealth will need to be transferred to the next generation across North America over the next 15 years. e Fraser Valley holds a signi cant share of this wealth, with our South Asian community members as key contributors. Our goal is to ensure the protection of their wealth, to promote its continued growth, and to pass it seamlessly to future generations without it being diminished by estate taxes.”

Wealth typically includes bank accounts, savings, RRSPs, businesses, real estate, stocks, and shares accumulated over a lifetime. Kyle explains that managing wealth involves three critical stages. e rst stage is accumulating earnings and growing assets. e second stage is protecting those assets by structuring them under a secure framework to prevent loss or oversight. And the third stage is e ciently passing wealth to the next generation, so it continues to grow, and support loved ones. Unfortunately, most people remain focused on accumulation, neglecting the vital steps of protection and transfer. He observes, “Many people spend their lives creating wealth, only to pass away without a plan.

Families are o en unaware of their assets and can lose signi cant amounts during acquisition. Wealth management is essential if you want your next generation to thrive and bene t from your hard work.”

Wealth management is a comprehensive process that includes cash and debt management, investment planning, tax strategies, retirement and estate planning, and risk management. Kyle explains, “We specialize in growing wealth through GICs, stocks, and bonds. However, our real expertise is in ensuring wealth is not only grown but also passed on tax-eciently to future generations. As one of our clients, if you were to pass away tomorrow, we would meticulously manage 100% of your wealth. Your bene ciaries would know precisely what steps to take. ey would know who to contact rst, how to structure the wealth to minimize taxes, and how to manage and grow the inheritance e ectively moving forward.”

He emphasizes that RBC boasts a dedicated team of chartered accountants, lawyers, nancial planners, and advisors who provide reliable nancial planning, trusted

“A lack of awareness, financial education, and planning often results in wealth loss, especially due to estate taxes. Many individuals need to update their wills, powers of attorney, or financial plans. Families are frequently unaware of their assets, making them vulnerable.”

investment advice, and comprehensive wealth management solutions. “RBC Dominion Securities is Canada’s largest full-service investment and wealth management rm, overseeing the wealth of one in four Canadians, with over $500 billion in assets—25% of the country’s investable wealth,” Kyle states. “ rough our partnership with RBC Wealth Management, Sarai Wealth Management collaborates with estate and trust planners, private bankers, and other professionals to create comprehensive plans. We ensure that your wealth is safeguarded and passed on to future generations in a tax-e cient manner.”

Born and raised in Vancouver, Kyle is a third-generation Indo-Canadian who has witnessed the remarkable wealth generation within the South Asian community. However, he points out, “A lack of awareness, nancial education, and planning o en results in wealth loss, especially due to estate taxes. Many individuals need to update their wills, powers of attorney, or nancial plans. Families are frequently

unaware of their assets, making them vulnerable. We cultivate long-term relationships with families to structure wealth, ensuring it continues to grow a er retirement or the passing of a loved one, and allows the next generation to inherit without unnecessary tax losses.”

He advises that regardless of your nancial status, if you possess above-average nancial assets, you also require an above-average nancial plan. As a trained professional from Salem University in West Virginia, where he received a golf scholarship, Kyle, along with his partners Chris Ma and Susanne Wells, provides services such as investment management, retirement income planning, will and estate planning, comprehensive nancial planning, charitable giving and philanthropy, and tax planning for clients.

Now, with a strong presence in the Fraser Valley, Kyle’s team is dedicated to protecting and enhancing the wealth of the South Asian community, transforming current wealth into a legacy for future generations.

PRINCIPAL SUKHBIR BOLINA

CHOICE SCHOOL: NURTURING THE GIFTED

CHILDREN OF THE WORLD

“These children think far ahead of their peers, operate at higher academic levels, and are naturally curious,” Bolina notes. “Their preference for engaging in mature conversations is often an early hint of giftedness.”

by SURBHI GOGIA

Not every day do you see a 10-year-old cycling inside a formal classroom while learning algorithms or a group of 5-year-olds mastering fractions. Imagine stepping into a classroom where the ceiling is painted to resemble a sky or witnessing second graders delving into chemistry or learning to count in Greek. You might think you’ve stumbled upon a futuristic school. Yet, this is not a school from the future; it’s a present-day haven for gi ed students.

Nestled on the border of Richmond and New Westminster, Choice School for Gi ed Children has been breaking the mold of traditional education since its inception in 1985 in Vancouver. Under the leadership of Principal Sukhbir Bolina—a former chartered accountant from the UK who discovered his true calling in teaching and education—Choice School has carved a niche in education for high-ability learners. As the only non-pro t, independent school in British Columbia o cially designated as a Special Education School for the Gi ed by the province, it is a place of innovation and nurturing for exceptional young minds.

“Originally established in Vancouver, we moved to our current location a er a few years, where we own the land and buildings,” shares Bolina. “ is stability allows us to meet the unique needs of gi ed students.”

As Bolina describes, gi ed students learn faster and think more deeply than their peers. ey o en display traits in four key areas: cognitive, creative, a ective, and emotional behaviors.

“ ese children think far ahead of their peers, operate at higher academic levels, and are naturally curious,” Bolina notes. “ eir preference for engaging in mature conversations is o en an early hint of gi edness.”

When asked about these traits, which are usually present in many brilliant kids but are not necessarily indicative of a prodigy in any speci c way, how do people recognize extraordinary talent?

“Spotting a gi ed child can be challenging,” Bolina agrees. Still, he argues that failing to identify a gi ed child can be damaging. “Not recognizing gi ed children’s talents could lead to waste. ese are the problem-solvers of tomorrow, but they need nurturing today.”

He explains that gi ed students o en feel frustrated in traditional classrooms, where the pace of learning doesn’t align with their abilities. “Imagine a ve-year-old thinking at the level of a second or third grader,” he says. “In regular schools, they may become bored, distracted, or labeled as having behavioral issues.”

Choice School steps in when incidents like this occur. e school’s approach is rooted in evidence-based practices, from assessing students to tailoring programs that challenge and engage them daily. One guiding framework is the BC Ministry of Education’s Special Education Policy, which de nes gi edness as exceptionally high capability in intellect, creativity, or speci c disciplines, o en coupled with outstanding abilities in multiple areas.

Choice School’s environment is intentionally intimate, with about 50 students. Class sizes are small, averaging 8 to 9 students, compared to the 25 to 30 found in regular schools. Each classroom has two educators—a teacher and an educational assistant (EA)—ensuring individualized support. While the school follows the BC curriculum, its emphasis lies in the depth and breadth of understanding and analysis.

“We go far beyond basic curriculum requirements,” says Bolina. “For instance, instead of simply stating that Ottawa is the capital of Canada, we encourage students to ask why. Why not Vancouver? What role does geography play in choosing a capital? Openended questions like these push students to analyze, debate, and think critically—hallmarks of gi ed education.”

“Gifted students often feel frustrated in traditional classrooms, where the pace of learning doesn’t align with their abilities.” “Imagine a five-year-old thinking at the level of a second or third grader. “In regular schools, they may become bored, distracted, or labeled as having behavioral issues.”

However, tagging along with gi edness presents a unique challenge for students and their families. “ ese children have boundless energy and a constant need for stimulation,” Bolina explains. “In traditional classrooms, they might be misunderstood as unfocused or disruptive, which adds emotional strain. To address this, Choice School strongly emphasizes social-emotional learning.”

e school employs occupational therapists and behavioral consultants who help students develop focus, independence, and emotional regulation. Physical activity is also integral to the curriculum, with four weekly physical education classes.

“We provide accommodations like dget tools, wobble stools, and classroom stationary bikes. By keeping their bodies engaged, we align their energy with their intellectual pace,” Bolina adds.

e school’s o erings extend beyond

academics. Music, art, and experiential learning programs enrich students’ development. For example, during Experiential Week, students dive deep into a speci c theme through eld trips and hands-on activities, fostering curiosity and practical skills. Currently serving students through eighth grade, Choice School plans to expand to ninth grade next year.

“Our goal is to equip gi ed learners with the skills, strategies, and con dence they need to transition successfully to other schools and society,” Bolina states. “Whether their talents lie in STEM, the arts, or other areas, we guide families in nding the right path for their child.”

e school o ers a thoughtful enrollment process for parents who believe their child may be gi ed. is begins with a personal tour, followed by three experience days. Choice School is a testament to the transformative power of tailored education, shaping a future where gi ed children can soar to new heights.

25 TM JANUARY/FEBRUARY 2025 |

WHAT DO THE NEW CAPITAL GAINS TAX RULES MEAN TO YOU?

by VINEEL RAJAN

The Canadian federal government has proposed recent changes to the capital gains inclusion rate in 2025. e changes originate from October 2024, when the federal government proposed to put the new capital gains measures to a con dence vote. To enact these changes and remain, the government requires majority support. With recent changes in the federal government, the stepping down of Prime Minister Justin Trudeau to essentially a caretaker Premier, and the proroguing of the Canadian Parliament until March 2025, there is now uncertainty. Besides the inevitability of a new election and change of government, there could be further changes, additions, or no change to the proposed Capital Gains tax laws in Canada.

Why the changes?

In Budget 2024, the federal government announced changes to capital gains taxation to make Canada’s tax system even-handed. e Ministry of Finance says that increasing Lifetime Capital Gains Exemption would ensure middle-class entrepreneurs won’t pay more tax because of these changes. e new Canadian

“Enacting the current rules for Capital Gains tax changes may require individuals, trusts, and corporations to include more capital gains in their taxable income. Specifically, 66.67 percent of capital gains realized on or after June 25, 2024, for corporations and trusts would need to be included in income for tax - up from 50 percent.”

Entrepreneurs’ Incentive would encourage entrepreneurs to invest in capital-intensive and high-growth sectors. ese changes will make Canada’s tax system fair by making taxation income-neutral. ey narrow the tax advantage in capital gains and other forms of income, especially the pay cheques.

e Main Revisions to Capital Gains Taxes

e current rules were rst announced in the 2024 federal budget. Individuals, trusts, and corporations may have to

Summary Canadian Capital Gains Taxes

Proposed Legislation

What’s Not Changing

A fair and predictable taxation environment is essential for Canadians planning for retirement and businesses planning to invest in Canada. e government is clarifying that forthcoming legislation and budget 2024 changes to capital gains, excluding:

1.Changes to the principal residence exemption. e government maintains the principal residence exemption to ensure Canadians do not pay capital gains taxes when selling their home. Any amount you make when you sell your home will remain tax-free.

2.Tax elections or on-paper realizations. e disposition of capital property realizes a capital gain. With limited exceptions, the taxpayer must transfer their interest in the property to another person. e current income tax rules do not permit taxpayers to elect to realize a gain or loss on their property without an actual transfer, and the government does not intend to introduce such an election.

3.Individual capital gains averaging over multiple years exceed the $250,000 annual threshold. Under the new rules, Canadians with up to $250,000 in capital gains from January 1 through December 31 of each tax year will not pay any more; individuals will only pay more tax on capital gains above $250,000. Capital gains cannot be averaged over multiple years to stay under the $250,000 annual threshold.

4.Splitting the individual $250,000 annual threshold with corporations. Under the new rules, individuals cannot share their $250,000 annual threshold with corporations they own. is is an applicable bene t only to individual taxpayers. Corporations and most trusts must include two-thirds of all their capital gains as taxable income.

5.Exemptions for speci c assets or corporations. No speci c assets or corporations will be exempt from the two-thirds inclusion rate. e two-thirds inclusion rate applies across all sectors, ensuring fairness and preventing preferential tax treatment.

6.Time-based or other distinctions. No special rules center on how long a taxpayer can hold to one’s asset. e same inclusion rate will apply for all capital gains, regardless of the type of asset or how long one held it before selling.

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include a signi cant portion of their capital gains in their taxable income if enacted. Speci cally, 66.67 percent of capital gains realized on or a er June 25, 2024, for corporations and trusts would need to be included in income for tax (up from 50 percent).

e increased rate would only apply to individual taxpayers’ capital gains exceeding $250,000. Capital gains under the $250,000 threshold an individual realizes through a trust or partnership will remain subject to the 50 percent inclusion rate each year. Taxpayers should contact their tax advisor to assess how these proposals might a ect them, their trusts, or their corporations.

Introductory Inclusion Rate and $250,000 reshold for Individuals

e introductory inclusion rate for all capital gains and losses would increase from one-half to two-thirds as of June 25, 2024. Individuals (except in unique types of trusts) would have access to a reduction when calculating their total income that would decrease the inclusion rate applied to their capital gains under the $250,000 threshold from the introductory inclusion rate of two-thirds to one-half. If a capital gain on a disposition of a property with shared ownership by multiple individuals, each individual would have access to their $250,000 threshold.

Deductions for net capital losses

A er applying the inclusion rate, the Lifetime Capital Gains Exemption (LCGE), the proposed Employee Owner-

ship Trust Tax Exemption, and the Canadian Entrepreneurs’ Incentive are based on taxable capital gains. Such a deduction would e ectively be reduced to the extent that it o sets a taxable capital gain that was e ectively included at a one-half inclusion rate. As a result, these deductions would be available for capital gains regardless of the applicable inclusion rate.

The new Capital Gains tax rules are an attempt by the government to make Canada’s tax system fair by making taxation income-neutral. These changes narrow the tax advantage in capital gains and other forms of income, such as pay cheques—that is the aim.

Graduated Rate Estates and Quali ed Disability Trusts would also be eligible for the $250,000 threshold available to individuals regarding capital gains not allocated to a bene ciary in the year, re ecting that these trusts have the same progressive personal income tax rate structure.

Transition Years

Two introductory inclusion rates apply for tax years beginning before and ending on or a er June 25, 2024. In short, taxpayers must separate capital gains and losses based on the date of realization: before June 25, 2024, or on/a er that date. e annual $250,000 threshold for individuals would be available in 2024.

Capital Gains Reserves

When selling capital property, a taxpayer may realize a capital gain. Where a taxpayer receives the proceeds from the sale over multiple years, they may claim a reserve to include the capital gain in their income for up to ve years. For any tax year, including June 25, 2024, the dra legislation proposes to include the prior year’s reserve in income on the rst day of that tax year (at the 50% inclusion rate). Individuals should also consider whether a reserve coming into income in a future year will be less than $250,000 (net of any other capital gains or losses expected in that future year), in which case the individual may still bene t from the 50% inclusion rate.

Lifetime Capital Gains Exemption

e income tax system provides a lifetime capital gains exemption (LCGE) on up to $1,016,836 of capital gains realized on the disposition of quali ed farm and shing property or quali ed small business corporation shares. is lifetime limit increases every year based on an in ation indexation factor. Budget 2024 proposes to increase the LCGE limit to $1.25 million of eligible capital gains. is measure would apply to dispositions on or a er June 25, 2024. Indexation of the LCGE will resume in 2026.

Eventual Return and Net Capital Losses

Suppose unappealing net capital losses remain a er applying to any taxable capital gains in the year of an individual’s eventual return (i.e., their year of death).

In that case, they may o set other income in the nal and the next preceding taxation year because of the proposed change in the inclusion rate. Allowable capital losses originating on or a er June 25, 2024, would be deductible against other income in the year of death and the preceding year, where eligible.

Non-Resident Dispositions of Taxable Canadian Property

Non-residents of Canada are subject to Canadian tax on capital gains from dispositions of taxable Canadian property (which includes real or immovable property, including Canadian resource property and timber resource property, and certain shares that derive their value from such property). e proposed Canadian property tax shall grow from 25 percent to 35 percent, applicable to dispositions on or a er January 1, 2025. As Canadians hold their breaths, whether, when, and how the proposals become law—individuals, companies, and corporations a ected by Capital Gains rules must ensure they are current on any recent changes to the rules in 2025. e

proposed increase in the inclusion rate of capital gains has widespread e ects on Canadians. e complete list of proposed tax changes is available on the Ministry of Finance website.

Disclaimer: Contact your local tax advisor, accountant, and nancial advisor

to ensure you understand any recent changes to the Capital Gains rules for 2025. e information provided is general and based on proposals by the government of Canada that are subject to change.

Sources - Canada Ministry of Finance, Canada Revenue Agency, Government of Canada, Canada.ca

by MAX SINGH

The reality—What lies behind Canada’s housing crisis?

Canada’s housing market is among the most una ordable in the world, with one of the highest houseprice-to-income ratios among OECD (Organization for Economic Co-operation and Development) member states. Between 2000 and 2021, housing prices soared over 355 percent in Canada, while median nominal salary incomes for Canadians increased by only 113 percent. But today’s housing crisis extends beyond una ordable homes and supply shortages. It is rooted in a profoundly nancialized housing system that idealizes homeownership and treats homes as nancial assets instead of social goods. Such a free-market system will always fail to produce equitable housing outcomes. e market will always favor and to the advantage of those with strong purchasing power, leaving behind low- and moderate-income families whose housing needs cannot generate e ective market demand. e consequence is growing housing inequality, with many low-income families and young people trapped in precarious living conditions. According to StatsCan, Housing is part of a broader range of considerable a ordability challenges. Households have felt pressure on their budgets since 2022 due to an overall rise in shelter costs and price increases for other items that make up the Consumer Price Index, such as gasoline (+34.0 percent since 2018) and food (+22.7 percent since 2018).

Canada’s housing market is among the most unaffordable in the world. It has one of the highest house-price-to-income ratios among OECD (Organization for Economic Co-operation and Development) member states. Between 2000 and 2021, housing prices soared over 355 percent in Canada, while median nominal salary incomes for Canadians increased by only 113 percent.

e Real Problems of Housing

A ordability:

1. Down Payment Challenges: With housing prices skyrocketing, the 5%- 20% down payment required has become insurmountable for many, particularly younger buyers. High rents, stagnant wage growth relative to home prices, and rising living costs make saving nearly impossible.

2. Lack of A ordable Starter Homes: Due to pro tability and zoning restrictions, housing developments o en prioritize larger, higher-margin homes or luxury condominiums over a ordable single-family starter homes.

3. Misplaced Generational Blame: Blaming Baby Boomers for “holding onto homes” oversimpli es the issue. ey are staying put due to limited downsizing options, emotional attachments, the need for housing stability in retirement, or even a need to house adult children who cannot a ord to buy or rent housing on their own, not a desire to thwart younger generations from entering the housing market.

4. Delayed Home ownership:Many young adults are delaying homeownership and marriage, opting to stay in their parents’ homes longer, postponing starting families, or relying on parental nancial support to buy homes. is can widen intergenerational wealth gaps, which is terrible for future Canadians.

5. Political Challenges: Legislation, such as in British Columbia, is only now

tackling structural issues like prohibitive zoning regulations at the provincial level. Incentivizing a ordable housing construction requires political will and collaboration, which can be slow and contentious. More must be done.

In a recent online article for the CIBC (Canadian Imperial Bank of Commerce.) on housing una ordability, Benjamin Tal, Managing Director and Deputy Chief Economist, CIBC Capital Markets. Said, “We need to wake up. We are facing an a ordability crisis. e main cause of housing becoming una ordable is that demand remains much higher than supply. Meanwhile, supply is not rising with new construction or resales as people are not listing.”

Mr. Tal further explains, “Last year, we got no less than 950,000 new immigrants, non-permanent residents, people from Ukraine, and students. is year, I estimate 1.1 million. None of them carries their house on their back. is means approximately over a million people will be seeking housing this year alone.”

How have interest rates a ected the housing market?

Higher interest rates can put downward pressure on home prices. However, interest rate increases alone are insucient to o set the high demand and low supply issues for a signi cant period. For this reason, higher interest rates have not deterred the housing a ordability crisis. Higher interest rates have caused nothing more than a “modest decline” in housing prices, according to Real Estate Company Century 21 Canada’s annual Price per Square Foot survey. Overall, the impact on housing prices has been largely uneven and likely temporary since demand remains high. Lower Interest rates will not resolve the Housing A ordability Crisis.

e Bank of Canada’s interest rate cuts will not resolve Canada’s housing a ordability crisis. Factors such as skyrocketing home prices, una ordable down payments, and stagnant wage growth are other primary challenges to address. When the Bank of Canada lowers its rate, it primarily impacts Homeowners with variable rates who would likely see a reduction in their payments, with more of their payments going toward principal rather than interest. People without debt and savings (primarily seniors) will see a drop in their investment returns. In contrast, xed-rate mortgages, which are not directly tied to the Bank of Canada’s rate, are in uenced more by the bond market, particularly the 5-year government bond yield. e current trend in bond yields suggests that xed mortgage rates could, however, also decrease over time. e frequency and consistency of the Bank of Canada meetings on interest rates give the impression that rates are the primary issue, even though they are just one part of a complex system. For example, even if the Bank of Canada dropped interest rates below zero, it would do little to solve today’s homeownership a ordability issue. “ e long-term trajectory of this market is up if we don’t do something about supply,” says Mr. Tal. What can be done to mitigate the housing a ordability crisis?

According to the Canada Mortgage and

Housing Corporation (CMHC), restoring housing a ordability in Canada would require an additional 3.5 million a ordable housing units to be available by 2030. Many experts regard this as unfeasible for various reasons. Others say there needs to be a focus on Housing Policy Innovations to create housing, increase supply, curb speculative investments, and provide targeted assistance for builders to build modest starter homes and increase housing stock. On a more fundamental level, younger people need to be nancially literate in planning and starting to save or make real nancial goals to save up for a home much earlier in life. e most profound systemic barriers, such as the inability to save for a down payment, require targeted policies, structural reforms, and intergenerational collaboration to be tackled e ectively.

The frequency and consistency of the Bank of Canada meetings on interest rates give the impression that rates are the primary issue, even though they are just one part of a complex system. For example, even if the Bank of Canada dropped interest rates below zero, it would do little to solve today’s homeownership affordability issue.

e focus must shi from short-term rate adjustments to long-term solutions that prioritize accessibility and a ordability in housing. Without meaningful action, homeownership will remain out of reach for many, perpetuating the cycle of nancial inequity across generations.

Information Sources – Bank of Canada, Royal Bank of Canada Economics, Benjamin Tal, Canadian Mortgage Trends, Statscan. Government of Canada Housing Report, e Conversation, Financial consumer Association of Canada, Canada Mortgage and Housing Corporation, Expert le.com, Century 21 Real Estate. Organization for Economic Co-operation and Development (OECD).

A Sensational and Resilient Night of celebrating the outstanding acheivements of South Asian individuals and organizations for building strong community

The extravagant entrance enfolded by Brian Jessel BMW gave an astounding and artistic endeavor to the gala

CELEBRATION OF 10TH ANNIVERSARY OF DRISHTI AWARDS GALA –A RESOUNDING SUCCESS

Drishti Media Group celebrated the 10th anniversary of the Drishti Awards gala and the 14th year of publishing the power of innovation and excellence at the stunning and exquisitely decorated Aria Convention Centre, Surrey, on Friday, November 8th, attended by more than 900 guests. Drishti Awards Gala Night was an inclusive and notable moment lled with empowerment and recognition. Beyond recognition, our awards are a source of inspiration that echoes through time and resonates across the country. Every award recipient proves what’s possible for others who follow in their footsteps.

Every component of the gala night, from the red carpet reception to the ballroom, captivated the guests and made it one of Canada’s most luxurious and impressive events. e grand entrance, enfolded by the Presenting partner, Brian Jessel BMW, gave the gala an excellent and artistic endeavor. Champagne greeted all the guests at the entrance.

Drishti Media Group was thrilled to acknowledge and celebrate the innovative and excellent work of South Asian individuals and organizations that have brought extensive expertise and devoted time and energy to make their community more

caring, dynamic, inspiring, healthy, and outstanding. Diversity, Inclusion, and Equity are fundamental to the success of the Drishti Awards. We are designing a multidimensional approach to ensure that the Drishti Awards gala is where people from every background feel like they belong and contribute. We want to admit the hard work of our professional and experienced members of the selection committee, Nemy Banthia, Arun Garg, Hema Bhatt, Perminder Tung, and Ruby Bains, for devoting their time and e ort to nalize the winners.

“All the winners elucidate power not through their knowledge or competence, but rather through how they inspire, encourage, and empower others—which is why it’s signi cant to recognize and celebrate their remarkable achievements,” said Nawal Tandon, President and Founder of Drishti Media Group.

e stunning cocktail reception sponsored by An Elegant Touch Home Staging and Design was great. It gave the participants an enormous opportunity to network and consolidate their relationships. e exclusive Ice sculpture and red carpet are decorated with modern decorations and backdrop designs. e photo booth sponsored by Concord Paci c in the cocktail lounge was an incredible attraction.

e Drishti Awards acknowledged the most successful community members: business leaders, philanthropists, community activists, artists, healthcare innovators, young professionals, athletes, and organizations for bringing their extensive expertise in building a diverse and healthy civil society. Our unwavering commitment to recognizing and honoring outstanding achievements of South Asian individuals and organizations has made us the gold standard in the media industry.

e evening began with a dazzling and fusion performance by Bollywood dancers, who captivated the audiences’ visual and auditory senses. We sincerely thank the entertainment sponsor, WBI Home Warranty, for their unwavering support. Our Emcees for the evening, Simone Grewal and Ronil Desai, kept the proceedings moving with their witty banter and interactions with the guests. ey handled the show with nesse and competence.

DRISHTI

e packed audience featured such dignitaries as Randeep Sarai, Member of Parliament, Hon. Raj Chouhan, Speaker of the Legislative Assembly; MLA Jagrup Brar of BC NDP; City of Surrey’s mayor, Brenda Locke; Masakui Rungsung, Consul General of India, Chief Guy Leeson, Delta Police and former premier of BC, Christy Clark.

e IC-IMPACTS award for strengthening the Canada-India bond through co-innovation was presented to Dr. Meenal Shrivastava, Honorary Secretary-Treasurer of Shastri Indo-Canadian Institute by Nemy Banthia, CEO, and Barj Dhahan, Board Chair of IC-IMPACTS. Canada India Network Society (CINS) award for building a healthier community was presented to Loveena Chera, CEO of InspireHealth Supportive Cancer Care, by Minnie Downey, Vice Chair of CINS, and Mayor Brenda Locke.

e audience also had the opportunity to witness a stunning performance by Latin Ball Room dancers of Platform on Camera during the rst half of the program. A thrilling and rocking fusion entertainment performance by Bollywood dancers and Street dancers of Platform on Camera concluded the evening.

e dinner sponsor of the evening was Teja Foods. All the guests enjoyed the Military Band performance by the BC Regiment during the dinner. Dessert sponsor Vancouver Community College had a live dessert station and provided di erent styles, avors, and dessert concoctions with their well-designed and unique cake that tasted incredibly delicious.

A massive shout out to our gala sponsors, whose generosity made it again possible for Drishti Magazine of its annual awards gala for the tenth year! Brian Jessel BMW was the presenting sponsor for the tenth annual DRISHTI awards. Sponsors for this year’s gala included Teja Foods, Allure Ventures, WBI Home Warranty, Save on Foods, Envision Financial, Art of read, ML Emporio Properties, Concord Paci c, BM Group, An Elegant Touch Home Staging and Design, Natu’oil Services, Magna Productions, Jassal Signs, Vancouver Community College, Spring Travels, BDC, Nature’s Path Organic Foods, Dr. Aly Kanani - Orthodontist specialist, Alliance Immigration, Ridgecrest Dairy, Olive Fertility, Pure Pharmacy, OPES Asset Accumulation Firm, Valiant Financial, Bharat Jewellers, Pawar Consulting, Pink Orchid Studio, IC-IMPACTS, CINS, Rayacom, Tom Lee Music, Protocol VIP events, e Heart company, VSA digital media and Aria Convention Centre

A special thank you to all the volunteers and our sta members for their passion and hard work. Finally, we sincerely thank all the attendees for gracing the tenth annual Drishti Awards gala. We can’t wait to see you all at the eleventh Drishti Awards Gala on Friday, November 14, 2025.

EXCELLENCE IN THE COMMUNITY ENGAGEMENT AWARD - DR. RANDEEP GILL

Dr. Randeep Gill is a passionate physician and a relentless advocate for equitable healthcare. Recognizing the deep inequities in healthcare access, Dr. Gill led a grassroots movement challenging the government to address these disparities. He organized a groundbreaking healthcare rally that drew attention to critical gaps in medical infrastructure. His efforts were instrumental in securing a government promise for a new cardiac catheterization lab, the only one south

of the Fraser, slated to open in mid-2025. Six months after the rally, Dr. Gill highlighted the lack of progress on acute care and maternity bed shortages. He subsequently launched a media campaign questioning the Ministry of Health’s inaction. This pressure resulted in a renewed government commitment to a second tower at Surrey Memorial. Expanding maternity, pediatric, and acute care bed capacity here in Surrey! Dr. Gill’s work inspires change and improves healthcare access for all.

HEALTH ACHIEVEMENT AWARDDR. JAGBIR GILL

Dr. Jagbir Gill is a transplant nephrologist, clinician scientist, and associate professor at the University of British Columbia. The medical director of the kidney transplant program at St. Paul’s Hospital, he serves as president of the Canadian Society for Transplantation. As a board member of the Canadian Organ Replacement Register, he has secured over $5 million in CIHR and other peer-reviewed funding as a principal investigator. His accolades include the Canadian Society for Transplantation Research Excellence

Award, the Martin M. Hoffman Award for Excellence in Research, and the Kidney Foundation of Canada Organ Donation and Transplantation Award. His research employs clinical epidemiology, qualitative research methods, and health services implementation studies to investigate critical organ donation and transplantation issues. He concentrates on racial and socioeconomic disparities in living kidney donation and transplantation, transplant tourism, and transplantation for the elderly.

YOUNG PROFESSIONAL OF THE YEAR AWARDHONORABLE JUSTICE DAVIN

of Justice judge in Hamilton. Born and raised in Vancouver, BC, he earned his business degree from SFU and graduated from the Allard School of Law at UBC. He was featured in “50 Under 50: Young and Aspiring Indo-Canadians” in 2023.” His position was Crown Counsel at the Crown Law Office - Criminal, then as trial and appellate counsel and trial Crown at Etobicoke Crown Attorney’s Office. He taught Osgoode Professional Development

programs and took part in judicial conferences. While practicing law, he presided over cases in English and French. The South Asian Bar Association of Toronto and the Advocates’ Society were among his professional associations. Justice Garg was also a board member of the Canada-India Network Society. Besides writing research analyses for Global TV and CTV Vancouver, he founded a technology start-up in human resources and managed a healthy restaurant chain.

DRISHTI BUSINESS PERSON OF THE YEAR AWARD - HARP KHELA

Harp Khela was recently awarded the status of Top Realtor Worldwide for Century21 –outperforming over 155,000 agents from 86 countries around the globe. Specializing in the disposition and acquisition of large land parcels for local and international investors, Harp represents high-caliber buyers and sellers from all over the world

interested in deploying capital to produce transformative investments in the Fraser Valley. Harp serves as the Chair of the Downtown Surrey Business Improvement Association (DSBIA) Executive Board as a catalyst to economic prosperity, where he is instrumental in transitioning Surrey to BC’s most prominent economic hub.

Over fifty years, the Shastri Institute has built goodwill between two great nations. A McGill University professor, Michael Brecher, first proposed promoting scholarly activity between Canada and India. A Shastri Indo-Canadian Institute was born in 1967 by Brecher and Indian Finance Minister T. T. Krishnamachari. SICI’s initial focus was to promote Canadian teaching and research in India, focusing on the humanities and social sciences. A growing interest in India

Studies among Canadian academics led to a reciprocal interest in Canada. SICI promoted Indian studies in the 1980s. As SICI became binational in 2005, it began supporting research in Science and Technology. Institute offices are in India and Canada. The Board of Governors at the University of Calgary provides it. The SICI built its India office on land provided by the Indian Government in central New Delhi with Canadian Government funds.

OUTSTANDING ATHLETE

Singh Badwal of Surrey, BC, has already accomplished much in his young soccer career. This season, the homegrown talent signed his first professional contract with the Vancouver Whitecaps first team, scoring his first two professional goals and debuting for the first team in July. In September, he signed

an MLS contract with the Whitecaps first team, becoming the youngest player on the roster. Between his rising club career, Jeevan has represented Canada on the U-17 and U-20 National teams, representing Canada in the World Cup with the U-17 team, all while positively impacting his community.

YOUTH LEADERSHIP AWARDISHANT GOYAL

“Ishant is a highly dedicated student leader at Kwantlen Polytechnic University (KPU) with a strong passion for academic excellence and community service. He has consistently earned a place on the Dean’s Honor Roll every semester, alongside receiving the KPU Annual Student Leadership Award for three consecutive years. In leadership,

Ishant serves as Chairperson of the Alliance of BC Students, Associate President of the Kwantlen Student Association, and a Student Representative on the KPU Board of Governors and Senate. As a Senior Student Mentor, his commitment to supporting others and fostering positive change makes him an inspiring figure in the KPU community.”

AWARD FOR INNOVATION IN SCIENCE AND TECHNOLOGY - TASNUBA ISLAM

“Tasnuba Islam is a Civil Engineer with over 15 years of experience in project management and construction materials. Currently a Project Manager for the City of Vancouver’s Engineering Services, she specializes in managing multi-million-dollar projects involving infrastructure, transportation, and rehabilitation programs to implement the Climate Emergency Action Plan, Transportation 2040 Plan,

and so on. With advanced civil engineering and management degrees from the University of British Columbia, she has also contributed significantly to high-profile projects for BC Hydro, Metro Vancouver, and BC MoTI. Tasnuba is a Professional Engineer and active member of numerous professional organizations, including the Project Management Institute and Women in STEM.”

DRISHTI AWARDS 2024 - CONNECTING THE DOTS AND BUILDING

INNOVATION IN THE ARTS AWARDPREETI DHILLON

LIFETIME ACHIEVEMENT AWARDRUKMINI PRAMEYA

Preeti Dhillon is a passionate artist and an art educator. Preeti is deeply committed to fostering creativity in the community. For the past 22 years, her organization, Neighborhood Art Studios, has provided engaging art classes for individuals of all ages, helping to cultivate a love for the arts. Showcasing her artwork at the prestigious Vancouver Art Show for two

consecutive years has been an honorable experience that has enriched her artistic journey. Her organization also prioritizes social responsibility by partnering with local school districts to offer community art programs for underprivileged families. Through selling her paintings, she has generated funds to support various organizations and initiatives in our community.

Born in Bangalore, India, Rukmini Prameya earned her Master’s in Microbiology and Sciences in Mumbai. Prameya Chaitanyaji’s husband moved to Vancouver in 1980 to serve the Indian community. Throughout her career as a microbiologist at Vancouver General Hospital, many publications featured her work on the blood-brain barrier. Rukminiji contributes to the greater community through various initiatives. She teaches and mentors children and adults of all ages—

offering classes in chanting, bhajans, music, prayers, Hindi, English for recent immigrants, and the Bhagavad Gita and Ramayana. Students often refer to her as “Amma (Mother)” or “Teacher Aunty.” She supports numerous initiatives, including the Thanks Mom blood donation drive and various multi-faith organizations. The Temple community, which she helped build with her husband, has fostered a strong sense of belonging and unity that she deeply values.

CANADA INDIA NETWORK SOCIETY (CINS) AWARD - INSPIREHEALTH SUPPORTIVE CANCER CARE

InspireHealth Supportive Cancer

Care offers free support programs and services for cancer victims. This includes one-on-one and group programming to enhance patients’ physical, mental, and social well-being, provided by physicians, exercise therapists, counselors, and dietitians. InspireHealth is a leader in supportive cancer care in Canada. For over 25 years, it

has made a significant impact on the health and well-being of cancer patients and their caregivers. InspireHealth is the only facility in BC where patients can access free, comprehensive supportive care services for any type and stage of cancer from diagnosis through treatment and beyond. Last year, the organization assisted thousands of cancer survivors across BC through more than 40,000 patient visits.

“Adopting a growth mindset and fostering genuine relationships within one’s network makes a noticeable distinction.”

KSHITIJ BHUPENDRA

BORN TO LEAD

Reflecting on his journey, Kshitij credits much of his personal and professional growth to the core values instilled in him by experienced mentors. He believes in the transformative power of four principles: care, honesty, respect, and responsibility.

Kshitij Bhupendra is the Regional Director and Group Lead-Business Banking in British Columbia and Yukon at Scotiabank. He leads a dynamic team of 130 professionals, serving over sixty-two thousand clients, empowering businesses to grow and succeed. His career, marked by senior leadership roles—from Manager of Personal Banking at Newton Town Centre to Branch Manager at Fraser Heights and Abbotsford —has been a testament to his ability to

by SURBHI GOGIA

steer teams, clients, and organizations toward extraordinary success. Beyond banking, Kshitij is a dedicated mentor, inspiring the next generation of leaders. Yet, for Kshitij, his main treasured accomplishment is personal: a report card from his 11-year-old daughter. In her self-assessment, she highlighted how values shape her decisions. For Kshitij, this holds special signi cance, as he believes that values have established his journey as a leader and a successful banker. is

moment, for him, symbolizes the profound impact of leading by example. Re ecting on his journey, Kshitij credits much of his personal and professional growth to the core values instilled in him by experienced mentors. He believes in the transformative power of four principles: care, honesty, respect, and responsibility. “ ese values are the foundation for making rm and fair decisions and strengthening into a genuine leader,” he says.

Excellence, leadership, and a passion for team dynamics characterized his early days, during which he helped raise funds for various causes.

His promotion to team lead was an achievement against the odds.

Born in Allahabad, India, to a family of medical professionals, Kshitij’s leadership instincts emerged early. Whether leading sports teams, debates, or school competitions, he gravitated toward leading and guiding others. At 18, he immigrated to Canada with his family. Coming from a family of medical professionals and doctors, he wanted to pursue a medical career. He completed science courses at Langara College and enrolled at the University of British Columbia. But his path shi ed when he joined the YMCA at 20.

Excellence, leadership, and a passion for team dynamics characterized his early days, during which he helped raise funds for various causes. His promotion to team lead was an achievement against the odds. “I was a young new Canadian but my performance earned me the promotion,” he recalls. Even then, I felt intimidated by senior colleagues. But I was not afraid to ask questions. I sought guidance from an inspiring colleague, and his advice stayed with me.

‘When you decide, if it’s rm, caring, honest, respectful, and responsible, you’ve made the right one.’” He continued his journey at the YMCA to Business coordinator and then the Programs Director.

Banking happened to Kshitij when he was looking for investment opportunities in real estate. His realtor recognized his nancial acumen and suggested a banking career. Kshitij started his career in the nancial sector with a full-service brokerage and an insurance company before joining Scotiabank, where he started as a Financial Advisor.

He transitioned to banking in 2006, beginning a 19-year journey through various senior leadership roles.

Witnessing his team, clients, and organization grow, maintaining work-life balance, and continued upgrading his skills have kept him dedicated to the profession for two decades.

Under his leadership, the team has achieved remarkable milestones, including doubling its size and ranking at the top.

“When I joined, the BC Yukon team comprised 60 members. Now, we have over 130 advisors led by 14 team leads and associate team leads. Together, we stood behind businesses of di erent sizes and at divergent stages of growth in the BC Yukon region.”

In his current role, Kshitij looks a er a team of advisors who work with business owners—having a deep respect for

entrepreneurs and their contributions to the Canadian economy, which fuels his passion for business banking. According to him, small and medium sized businesses are the backbone of the Canadian economy In BC, they represent 90 percent of businesses, employ over 40 percent of the workforce, and account for 26 percent of Canada’s exports.

“ “I have worked directly with Kshitij for over 4-years, and I continue to be impressed by his business acumen, results-focus, and caring leadership.

ree years ago, our organization launched a growth strategy for Business Banking in the Region, and we chose Kshitij to lead the charge – and we’ve never looked back. He’s delivered record results, built and expanded a high performing team, and contributed his thought leadership to our national strategies.”

“What sets Kshitij apart is his unwavering commitment to his team, our clients, and the community. He has an unwavering commitment to making a di erence for all three, and good business performance has followed. His leadership style is marked by empathy, determination, and an unrelenting focus on empowering those around him. Kshitij embodies all the qualities of a transformation leader, and it is no surprise that his contributions are being celebrated in this welldeserved ways.”

- Stephen R. Gaskin, Senior Vice President, BC & Yukon Region

Kshitij acknowledges the challenges business owners face, including shrinking margins, rising in ation, increasing insurance and labor costs, and uncertainties because of the pandemic, political aspects, and tari threats from the US.

Despite these hurdles, he admires their resilience, resourcefulness, and willingness to take risks. “What I’ve seen from business owners—meeting them with dedication—is that the entrepreneurial spirit in BC has never been as upbeat.”

He points out that while entrepreneurs are skilled in their trades, they lack formal business training. “For example, when margins shrink, business owners must review their plans and ask, ‘What is my new business strategy?’ Invest in digital tools?’ ”

A recent Scotiabank study showed that

businesses struggle with succession methods and digital transformation.

“Digitalization o ers business owners’ powerful tools to enhance their operations, increase their reach, and secure their future, including seamless ownership transitions,” Kshitij explains. His team of well-trained advisors reinforces business owners with investment advice, organizational decision making, digitalization strategies, and guidance on structuring credit and loans. “I have seen the entrepreneurial spirit in BC grow tenfold. rough equipping business owners with tools and guidance—their resilience and success prosper for generations to come.”

Just as with his deep understanding of his client’s needs, Kshitij has invested in fostering organizational growth. He

Challenges and failures are unavoidable, but resilience, innovation, and a commitment to those around you help to overcome them.”

“Self-regulation is an essential trait all leaders should have in order to overcome obstacles.”

prioritizes gender and cultural diversity, which he believes are essential for a dynamic workplace. Under his leadership, the representation of women leaders in his team has increased from 20 percent to 50 percent. As the Advisory Chair for Scotiabank’s Women Initiative, he advocates for diversity and inclusion, fostering an environment where individuals from diverse backgrounds can thrive. “ e Scotiabank Women Initiative started with a $3 billion commitment and has now increased to $10 billion, helping women grow their businesses, advance their careers, and invest in their futures.”

He serves on Scotiabank’s National Diversity and Inclusion Council, reinforcing his commitment to creating an inclusive workplace. His mentorship roles with the National South Asian Network and the BC & Yukon Mentorship Program show his dedication to nurturing the next generation of leaders. “Cultural diversity is the strength of Canada. I recommend every young immigrant wanting to grow in their career to embrace opportunities beyond their ethnic group. For example, I have a South Asian leader thriving in a diverse community of downtown Vancouver, a Chinese leader working in a South Asian-dominated market, and a Black Canadian leader excelling with Asian clients in Richmond.”

He believes an opportunity uncovers strengths within challenges. Re ecting on his career progression, Kshitij acknowledges his di culties in leading people from

diverse backgrounds and those more tenured than himself. “I thought of ways to add value to being South Asian. Our culture emphasizes relationship building, and I leveraged that unique perspective as a strength. Ever since, I have focused on creating long-term, meaningful connections with clients and team members. Adopting a growth mindset and fostering genuine relationships within one’s network makes a noticeable distinction.”

Testifying on Kshitij’s exceptional relationship building skills, Dr Deepak Kaliray, one of his clients, says, “When I was considering starting my own business, Kshitij encouraged me with invaluable guidance that changed the course of my journey. His deep knowledge, client-centric advice, and unwavering integrity gave me the con dence to take the leap. Kshitij introduced me to a trusted member of his team who was able to help me nance my practice. is support was instrumental in building a solid nancial foundation for my business. To this day, I continue to seek Kshitij’s advice, as his insights and dedication have been crucial to my success. His ability to build trust and prioritize his clients’ best interests is truly exceptional. I am delighted to watch his journey from a Branch Manager to heading the Business Banking Team. It is because of him that I continue to bank with and trust my friends and family with Scotiabank.”

Kshitij believes challenges and failures are unavoidable, but resilience, innovation, and a commitment to those around you help to overcome them. “Self-regulation is an essential trait all leaders should have in order to overcome obstacles.”

“Kshitij has built and fostered a diverse, collaborative team that re ects the communities we serve. Beyond his professional achievements, he is a caring husband, a committed father, and someone who genuinely cares about the well-being and success of the team. Kshitij leads with business acumen as well as compassion, making him a trusted and in uential leader in our industry.”

Kirsten Reinholz, one of Kshitij’s Team Lead Business Banking, BC Region.

His advice for young professionals is to cultivate productive daily habits and routines in their personal and professional lives,

while still taking the time to enjoy life’s smaller, meaningful moments.

Kshitij himself nds balance and joy with his family in South Surrey. Alongside his wife Kim, a Scotia-banker, and their daughter Krisha—he cherishes moments of togetherness. A motorcycle racing enthusiast and an avid tennis player, Kshitij’s pursuits show his dynamic personality and zest for life.

Achievements in business and contributions to one’s locality mark Kshitij’s inspiring journey, standing as a beacon of leadership and empowerment. His story inspires professionals and entrepreneurs, demonstrating the power of resilience, innovation, and a commitment to di erences.

58 JANUARY/FEBRUARY 2025 TM |

Under his leadership, the representation of women leaders in his team has increased from 20 percent to 50 percent. As the Advisory Chair for Scotiabank’s Women Initiative, he advocates for diversity and inclusion, fostering an environment where individuals from diverse backgrounds can thrive.

DRISHTI FASHION

MATSYA-UTKARSH AHUJA COLLECTION

by POOJA VALEJA

Where traditional elegance meets contemporary sophistication

From Haldi to weddingevery detail highlights timeless craftsmanship

Delicate handwork and intricate embellishments to accentuate the beauty of every bride

2025 FASHION TRENDS AND COLOR PALETTES: A GLIMPSE INTO THE FUTURE OF FASHION

by POOJA VALEJA

The world of fashion and lifestyle is an ever-evolving landscape. e best part about trends is their cyclical nature, meaning what goes around o en comes back, but with a twist or an added edge. As we approach 2025, fashion trends showcase a vibrant blend of sustainability, technology, nostalgia, and individual expression. From rede ned silhouettes to innovative color palettes, the trends of 2025 will shape how we dress, shop, and perceive our environment. Let’s not overlook the essential role colors play in enhancing looks and coordinating fabrics. In contrast, this year’s Pantone color is Mocha Mousse. Let’s explore what’s best for our closet.

Statement Pieces is coming year is about creating an identity and de ning your look through your wardrobe. Statement pieces will help you stand out from the crowd. ese can be simple yet elegant and bold at times. A big bow as a hair accessory, a funky bag, a monochrome trench coat, or stylish knee-high boots could be your best choices. If you love accessories, go

all out. Layered chains, unique pendants, evil eye bracelets, and four-petal ower rings and necklaces can be paired with your o ce and party attire. Get dressed like a diva in your nest looks and make heads turn.

Sustainable Fashion Takes Center Stage

Sustainability continues to be a driving force in fashion, with 2025 marking a pivotal moment for eco-conscious design.

Brands and designers across the globe are constantly developing collections that use zero waste and biodegradable materials, as well as durable fabrics that can be recycled, helping to protect the environment. As customers and buyers become increasingly aware of sustainable fashion, this trend will likely persist for several years, if not over the next decade. Some of the biggest names in fashion have created memorable lines dedicated solely to sustainable designs to promote zero waste and innovation in their o ering’s brands.

Boho looks

Boho fashion derives inspiration from Bohemian Trends. Since the culture is rich with prints and colors, it is visible in their attire and dress. Getting into spring mode, the Boho look is back to rule the season with some of its nest boho prints, which are relaxing and calming and give you a very stylish and quirky vibe. e silhouettes are minimalistic, keeping comfort in mind. Yet again, you can start it up with your nest accessories, depending upon the occasion; also, carry a hat or a very chunky bracelet to give you the wow factor.

Maintaining balance

Fashion is always about standing out through your personal style. It also balances de ning your look and looking too much for the occasion. It’s about balancing the two to ensure you look e ortless yet stylish. Overdoing it is out of fashion. So, wear statement pieces, but do not look like you’ve overdone it. For example, if you have put on chunky statement earrings, then wearing nothing on the neck would be ne. Let the eyes focus on one.

Tech-Inspired Fashion

Fashion will continue to embrace the intersection of technology and creativity. Integrating AI augmented reality (AR) and 3D printing will birth new ways of creating and experiencing fashion. While Designer trends have showcased pieces equipped with LED lights for wedding gowns, 2025 will indeed have this culmination of Technology and Fashion blend it even more. Expect smart fabrics that change color with temperature or even more. AR glasses and Smart Jackets are soon paving their way.

Gender Fluidity and Accepting All body types

2025 fashion trends continue to embrace gender uidity, but what does that mean?

Gender- uid designs cross boundaries of gender and encourage traditional cra smanship and self-expression. Prints and colors only restricted to women have now been impressed by Brands for collecting men’s lines. Pallets of lavender, pink, and purple are beautifully interwoven in menswear. 2025 will witness more conversations around inclusivity, including body types, ethnicities, and abilities, making the industry more accessible.

Nostalgia, but with a Twist Trends have always looked back at the past and derived inspiration. If that has been happening for years together this year, it will be no di erent. Expect revived styles from the late ’90s and early 2000s with a re ned, polished twist that re ects current sensibilities. Styles like low-rise jeans, boot-cut pants, and crop tops are a sure comeback this season. Besides, vintage never goes out of style, so pull out your most expensive vintage coat or scarf and roll it on like a true diva.

EMBRACING DIGITALIZATION:

FROM SMART WATCHES TO DIGITAL CALENDARS AND HOME AUTOMATION

In today’s fast-paced world, digitalization has become an integral part of our lives—or, as the saying goes, ‘We can’t live without it.’ What happens when our phone stops working or the battery drains? Forgetting your laptop or the charger at work? Or imagine your company’s server (business) running down for hours. How about a simplistic thing like having a power cut for an hour and none of your appliances working right?

No! No! No! is cannot happen. We worry, lose our minds or patience, and rely so much on it. Well, digitalization today constantly shapes how we work, live, and interact with the world. From the invention of smartwatches to the convenience of digital calendars and

by POOJA VALEJA

the seamless operation of home appliances, technology has transformed everyday activities, enhancing convenience, productivity, and overall well-being. We now live in a world of so-called ‘SMART’ technology, where innovation is constantly improving. Smartphones, watches, and even home appliances allow us to manage an entire home with the click of a button.

Digitalization has made life convenient by extending beyond personal gadgets to the simplistic devices we rely on in our homes for day-to-day activities. Smart home appliances, such as refrigerators, washing machines, ovens, and even vacuum cleaners, are now integrated with advanced technologies that o er convenience and energy e ciency.

Let’s understand Smart Refrigerators, for instance. ese have sensors to maintain the temperature of the refrigerator and the freezer through an integration with your smartphone or laptop. Other options include identifying the temperature and humidity outside and regulating the temperature inside. e advanced available models even with touchscreens. It can monitor food expiration dates, suggest recipes based on your ingredients, and even create shopping lists.

How about Smart Washing machines? ese have remote-controlled washers and dryers, allowing you to start or stop cycles from your phone. ey also adjust water temperature and detergent levels based on load size and fabric type, reducing water and energy usage. Similarly, smart thermostats and energy monitors track usage patterns

and provide insights on how to lower energy bills, contributing to a sustainable lifestyle.

ey work accurately, and you can monitor cycles, e ciency, water temperature, and the quantities of detergent used. ey have made your life super easy and e cient.

Have you considered smart ovens? ey are e cient cooking machines that adjust settings based on the recipe. Let’s not forget Smart Watches. e imaginative aspect gained popularity with Smart Watches. e concept is having one device to store your data and connect with others. It’s like a phone on your wrist, and even if your phone is lying elsewhere, it’s doing its work all the time, and kind of you, it’s your trainer, too. It does everything from helping you watch

your calories to counting your steps and calculating your sleep patterns. Advanced models also o er ECG readings, blood oxygen monitoring, and glucose level tracking. For those juggling busy schedules, the smartwatch is a hub for noti cations, calendar reminders, and even voice commands.

Digital Calendars.

ese new-age calendars are revolutionizing the concept of time management. Remember those days of carrying a paper planner or a wall calendar? Digital calendars have changed that era, although

thousands prefer that too. ese are box-like digital calendars like picture frames integrated with your phone and emails. Accessible across multiple devices, digital calendars allow users to schedule appointments, set reminders, and share events with colleagues, family, and friends in real time. One of the standout features of digital calendars is their integration with other digital tools and platforms. For instance, they can sync with emails, task management apps, and virtual meetings, ensuring everything is in one place.

In terms of bene ts, these Smart Gadgets and appliances have the following covered:

•Energy e ciency

•Helps to optimize the performance

•Saves time and human labor

•Overall Cost e ective

•No wastage of time and labor e future of digitalization is auspicious since we have already started relying on it. From the healthcare industry to the tech industry and from educational institutions to media and entertainment, it has crippled us to its successful utility. Continuing advancement in each of these streams, there has been a noticeable increase in reliability in automation and digitization. is also proves that it’s time we embrace digitalization in places that require changing or adapting to changing times.

by VINEEL RAJAN

Bridget Jones: Mad About the Boy Movie (Dramedy)

Night of the Zoopocalypse (Adventure, Family, Kids)

e beloved yet unlucky-in-love Bridget Jones returns a er experiencing widowhood. She is now a single mother to her 9-year-old son, Billy, and her 4-year-old daughter, Mabel. She is caught in emotional limbo, raising her children with assistance from her loyal friends and her former lover. As she faces pressure to move forward, Bridget returns to work and even explores dating apps, engaging with a passionate younger man. Balancing work and romance, Bridget wrestles with life's ongoing challenges: family, career, and love, as she charts a new path ahead. e cast includes Renee Zellweger, Hugh Grant, Isla Fisher, Jim Broadbent, Shirley Henderson, Emma ompson, and Chiwetel Ejiofor.

One night, a meteor strikes the Colepepper Zoo, releasing a virus that turns the animals into zombie mutants. Gracie, a quirky young wolf, teams up with a gru and fearsome mountain lion named Dan to return to her pack. As the zoo becomes overrun, the duo must devise a plan to restore normalcy for all the animals. With the help of a diverse group of survivors, they embark on a dangerous mission to rescue the zoo and defeat Bunny Zero, the deranged mutant king who is determined to spread the virus beyond the zoo walls. e cast includes Mark Smith, Ricardo Curtis, David Harbour, Steven Hoban, Scott ompson, and Paul Sun-Hyung Lee.

A courageous and athletic teenager, Kayara dreams of being the rst female to break into the league of Chasquis—the o cial messengers of the South American Inca Empire. As she learns what it takes to be a Chasqui, she encounters challenges and obstacles on her mission— uncovering the ancient stories of her land and people. Kayara sets out on a bold quest to protect the hidden Golden City from the perils of exploitation and to rescue her friends and family from unforeseen dangers. Cast features- Naomi Serrano, Nate Begle, and Charles González.

Snow White (Fantasy, Drama)

Disney’s Snow White musical fantasy lm is inspired by a reimagining of Walt Disney Productions’ 1937 animated lm Snow White and the Seven Dwarfs. e famous Grimm fairy tale features the beautiful Snow White’s battle against a wicked queen who orders her death. However, Snow White escapes and remains alive, hiding in a cottage with seven friendly little miners. e wicked queen presents a poisoned apple to Snow White, causing her to fall into a death-like slumber, and only a kiss from the prince can awaken her. e lm stars Rachel Zegler, Andrew Burnap, Gal Gadot, and Ansu Kabia, along with beloved characters dwarves Bashful, Doc, Dopey, Grumpy, Happy, Sleepy, and Sneezy.

Captain America: Brave New World (Superhero Adventure)

Captain America: Brave New World is the fourth lm in the Captain America series. In this movie, Sam Wilson, also known as Captain America, nds himself caught in an international incident a er meeting with the new President of the United States, addeus Ross. Captain America, pressed for time, must uncover the rationale behind a sinister global plot before the real mastermind has the entire world on edge. Captain America must use all his skills and powers to prevent anarchy. Cast features: Anthony Mackie as Sam Wilson, Danny Ramirez as Captain America, Shira Carl Lumbly, and Giancarlo Esposito.

Novocaine (Action thriller)

Novocaine is an upcoming action thriller lm that stars Jack Quaid as Nathan Caine, a mild-mannered introvert with a rare disorder, congenital insensitivity to pain (CIP), who must rescue his girlfriend, who becomes a hostage in a bank robbery. Caine turns his inability to feel pain into an unexpected advantage as he ghts for the girl of his dreams. e lm also stars Ray Nicholson, Jacob Batalon, Betty Gabriel, and Matt Walsh.

Black Bag (Spy riller, Drama)

From Director Steven Soderbergh, Black Bag is a gripping spy drama about legendary intelligence agent George Woodhouse and his beloved wife, Kathryn. When she becomes a suspect of betraying the nation, George faces the ultimate test: loyalty to his marriage or country. e lm explores loyalty and betrayal, with intelligence agents at the heart of the drama. It stars Cate Blanchett, Michael Fassbender, Regé-Jean Page, Marisa Abela Naomie Harris, and legendary James Bond actor Pierce Brosnan.

e Electric State (Sci-Fi, Adventure, Family)

Set in an alternate retro-futuristic past, orphaned teenager Michelle journeys through the American West with an eccentric dri er and a sweet yet mysterious robot as they search for her younger brother. e robot arrived at Michelle's request made by her brother. As the trio embarked on their journey, they traveled through a surreal world lled with humans and robots, uncovering a grand conspiracy. e lm stars Millie Bobby Brown, Chris Pratt, Ke Huy Quan, Jason Alexander, and Woody Harrelson.

Spice up your dinner with a Mexican-Indian fusion

Prep time: 55 mins

Cook time: 15-20 minutes

Makes: 4 servings

It’s easy to get into a rut at mealtime, rotating between the same recipes that everyone in your family has had enough of. One way to break out of your routine? Combining avours from di erent cuisines to create something totally new.

Experience the exciting fusion of two vibrant culinary worlds in this unique combination that beautifully marries the warmth of Indian spices with the smoothness of avocados from Mexico. e creamy richness of avocado meets the bold avours of India in this appetizing dish, where paneer is marinated in a blend of spices and grilled to perfection.

Avocado Paneer

Tikka

Ingredients

• 200 g (7 oz) paneer, cubed

• 2 ripe avocados from Mexico, mashed

• 1 tsp (5 ml) garam masala

• 1 tsp (5 ml) turmeric powder

• 1 tsp (5 ml) cumin powder

• 1 tsp (5 ml) red chili powder (adjust to taste)

• 1 tbsp (15 ml) lemon juice

• 2 tbsp (30 ml) Greek yogurt

• 1 tbsp (15 ml) ginger-garlic paste

• Fresh coriander (for garnish)

• Vegetable or canola oil

• Wooden skewers, soaked

Directions:

1. Prepare marinade in a large bowl by mixing mashed avocados, Greek yogurt, garam masala, turmeric, cumin, chili powder, lemon juice, ginger-garlic paste and salt.

2. Gently toss paneer cubes in the avocado mixture, ensuring they are fully coated. Marinate for 30 minutes.

3. read marinated paneer cubes onto soaked wooden skewers.

4. Heat oil in a grill pan or use a barbecue. Cook skewers for about 3 to 4 minutes on each side until paneer is golden and slightly charred.

5. Garnish with chopped coriander and serve with a green chutney or yogurt dip. (NC)

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FEBRUARY 2025

ARIES (March 21 - April19)

Despite the ups and downs of this period, you must work hard. Business activities will give pro t, but work pressure will remain. Allot more time for your family. Maintaining the respect of your love partner or love interest will increase harmony. You might have a re ux problem, so stay away from spicy food for now. Watch a family member’s health. e arrival of guests will create a pleasant atmosphere. If you plan to buy a vehicle, you can implement it this month. Better conditions are possible for students pursuing research.

TAURUS (April 20 - May 20)

Business activities will improve, boosting cooperation between sta and employees. Do not choose the wrong target in the pursuit of quick success. Take proper precautions in matters related to nance. ere will be favorable conditions for jobs and money. Do not let the di erences between husband and wife a ect the home environment. Lovers must respect each other’s feelings and clear any misunderstandings. Have regular check-ups for blood pressure and diabetes. Keep taking Ayurveda things and avoid going to crowded places.

GEMINI (May 21 - June 20)

Your work or business needs more e ort to succeed. Your business plans will be successful. It’s favorable for those starting a new job. Observe caution in all transactions you get involved in. Also, get information about online activities. ere will be peace and joy at home. A religious trip for the family could have a positive outlook. Lovers can get more dating opportunities. Health is wealth, so don’t neglect it. Keep yoga and exercise a regular part of your daily routine. Students must work hard to succeed in exams and competitions.

CANCER (June 21 - July 22)

Removing the ongoing obstacles in your workplace will open new doors to success. Positive results will be related to ancestral business, and the support and advice of senior family members will help. Partnership-related business shows a pro table condition. ere will be a pleasant and peaceful atmosphere in married life. Your love relationship will soon turn into marriage. Women must be aware of their health as the possibility of an infection lurks. Work-wise, the advice of senior members of the family will help you.

LEO (July23 - August 22)

Keep your working system secret in your workplace, for your essential business activity can get leaked. Keep an eye on the employees’ activities. e situation will soon come under control. Stay focused on your work. Getting the desired position at work will also bring challenges. Be careful in nance-related work. Your domestic life will be harmonious. Any stubbornness of your child can cause you to worry. Fatigue and pain can arise from excessive hard work, so nd the time to relax. e blessings and grace of the elders will remain with you.

VIRGO (Aug 23 - Sept 22)

Be watchful at the workplace at the workplace. Friendliness with the sta will give you more support. Employed people can get stuck in government matters, so be careful in any work. Closeness will also increase in love a airs. Participate in get-together programs with friends. For unmarried people, this period will ful ll their wish of marriage. e problems of joint pain will increase. Avoid consuming things that cause gas and atulence. Women need to be more alert about their health. You are going to gain a new identity and success.

78 JANUARY/FEBRUARY 2025 TM |

Capt. Sukhbir Mangat 778-891-4965

LIBRA (Sept 23 - Oct 23)

Your ongoing struggle in business will end. Don't hesitate to get it if you see a hope of pro t. e full support of seniors in the o ce will be yours. An essential o cial meeting may happen. ere will be a pleasant atmosphere at home. You will get the consent of the family to get married. Use Ayurveda for your minor health problems. Let common sense prevail to end a family problem. Extra e ort is required for the youth to succeed in school and work.

SCORPIO (Oct 24 - Nov 22)

Business and income sources will grow. You will see positive outcomes in property-related endeavors. You might face a setback due to a subordinate employee at work. Government employees may experience stress due to special duties. Family life will be happy with mutual harmony. Connecting with a friend will bring back fond memories. Pay attention to your diet and lifestyle, and consult your family doctor. e planetary positions present you with better opportunities. Please make the most of them.

SAGITTARIUS (Nov 23 - Dec 21)

Some work problems may occur, but a solution is forthcoming. It will be bene cial to get support from political contacts. You will complete the projects related to foreign countries on your own. Employees will achieve the target with the help of their colleagues. All family members must decide on a crucial family decision. Your ideas and suggestions related to some crucial family matters will have a priority in settling the crisis. en, there will be happiness and peace in the family. Your health might su er if you neglect to take a break.

CAPRICORN (Dec 22 - Jan 20)

Make plans and focus your attention on some new activities. is time is quite favorable for starting a new work. ose who are seeking employment will nd what they wish. You may get some critical authority in the job. Due to misunderstandings in marital relationships, the situation may sour. Maintain good harmony with your life partner and family. People wishing to have children may get good news. Be careful of your diet and routine. Do meditation and yoga to keep your thinking positive. Students should pay attention to their studies.

AQUARIUS (Jan 21 - Feb 18)

e more hard work you put into your business, the more favorable results you will achieve. You will create new sources of income and increase your business contacts. ose who want to go abroad will succeed. Employed people will achieve success due to their better performance. You can focus on your work with complete dedication. A trip with your family is a perfect time to clear misunderstandings in love relationships. Your con dence may waver due to your lack of self-con dence. Do meditation for mental stability.

PISCES (Feb 19 - March 20)

All e orts in your workplace will prove to be fruitful. Consider expansion plans. An in uential person can resolve any sticky government matter. Be careful when dealing with unknown people. ere will be an atmosphere of happiness and peace in the family. You can complete auspicious work, but remember that wrong relations can get you in trouble. Keep getting regular blood pressure check-ups and other tests to ensure good health. Your plans for the future of your children are sound. ere will be progress in property-related matters.

THE MOST AFFORDABLE NEW CARS IN CANADA 2025

Finding a cheap, brand-new car in Canada in 2025 is possible but presents limited choices. However, budget-conscious buyers will find decent equipment, features, safety, comfort, and fuel efficiency in all models. Below is a list of vehicles offering excellent value, ranked by price. Prices do not include PDI, delivery, extra fees, or taxes.

2025 Mitsubishi Mirage Hatchback—Starts at $16,998

e Nissan Versa 4-door has a 425-liter trunk, which comfortably seats ve people. Its 1.6L 4-cylinder engine with 122 horsepower and CVT produces e cient fuel consumption: 7.4 L/100 km in the city and 5.9 L/100 km on the highway. Safety features include Nissan Safety Shield® 360 with Automatic Emergency Braking, Lane Departure Warning, and optional Rear Cross Tra c Alert and Blind Spot Warning. e Fuel Economy is 6.7 L/100 km combined.

by VEENO DEWAN

e Mitsubishi Mirage is Canada's cheapest four-door compact car, costing $16,998. e car’s 1.2L 3-cylinder engine with CVT produces 78 hp and 74 lb- of torque, resulting in outstanding fuel economy of 6.6 L/100 km (city), 5.6 L/100 km (highway), and 6.2 L/100 km (combined). e Mirage’s 7-inch display supports Android Auto and Apple CarPlay, with features like automatic climate control, heated seats, and a rearview camera. Safety features include seven airbags, stability control, emergency braking, and hill start assist.

Kia Forte Sedan—Starting at $23,670

e Kia Forte is all new for 2025 and is one of the sleekest, best-looking compact cars in its sector. As with all Kia models, the Forte o ers excellent features and value for money. e Forte arrives with adaptive cruise control, forward collision warning,

Toyota Corolla Sedan or Hatchback— Starting at $23,670

e family’s favorite Toyota Corolla remains a dependable, superbly built compact sedan known for its dependability and minimal maintenance costs. Powered by a 2.0L 4-cylinder engine with 169 horsepower and CVT, it achieves a fuel economy of 7.4 L/100 km city and 5.7 L/100 km highway. ere’s also a hatchback model of the

Lane Keeping Assist, and Driver Attention Warning: air conditioning, an 8-inch touchscreen, and smartphone integration. Featuring a 2.0L four-cylinder engine with 147 horsepower and 132 lb- of torque, this car uses a Continuously Variable Transmission. Fuel economy is 7.0 L/100 km combined.

Corolla. It o ers a comfortable cabin with an 8-inch Toyota Multimedia system, wireless Apple CarPlay, and Android Auto. Toyota Safety Sense 3.0 o ers a comprehensive suite of safety technologies, including a pre-collision system, dynamic radar cruise control, lane tracing assist, blind spot monitoring, and a rear view camera.

Hyundai Venue SUV—Starting at $21,099

e Hyundai Venue, an a ordable subcompact SUV, features a 1.6L four-cylinder engine, CVT transmission, 121 horsepower, 113 lb- of torque, and 7.5 L/100km fuel economy. Inside, you’ll nd an 8-inch touchscreen with Android Auto and Apple CarPlay, heated front seats, and a rearview camera. Folding the rear seats down creates ample cargo space. Safety highlights include Hyundai’s SmartSense suite, which has lane-keeping assistance, adaptive cruise control, and Forward Collision-Avoidance Assist with Pedestrian Detection. For an a ordable and compact SUV, the Venue is a superb option.

|

Honda Civic Sedan—MSRP $27,540

Canada’s best-selling sedans consistently include the Honda Civic. e 2025 model will include a hybrid powertrain besides its existing gasoline engine. Despite its higher price point among budget cars, the Civic boasts impressive specs and features. A 2.0L, four-cylinder engine, and CVT are standard in the Civic Sedan. Every Civic Sedan trim level now includes blind-spot monitoring, rear cross-tra c alert, and emergency front braking as standard features. Interior elements include a seven-inch or 10.2-inch digital instrument cluster, automatic climate control, remote starter, heated steering wheel, and heated front seats. All trims boast standard driver-assistance tech, such as adaptive cruise control (low-speed follow), automatic emergency braking, lane-keeping assist, and road departure mitigation.

Chevrolet Trax CUV—Starting at $24,199

2025 Mazda 3 Hatchback or Sedan—$24,900

e Mazda3 sedan is a multiple award-winning sedan or hatchback that o ers style and performance with a high-quality, sporty design. A Skyactiv-G 2.5L four-cylinder engine generating 191 horsepower and 186 lb- of torque powers the car through a 6-speed automatic transmission. e interior has heated front seats, manual air conditioning, and an 8.8-inch display with Mazda Connect supporting Apple CarPlay™ and Android Auto™.

turbocharged engine producing 137 hp and 162 lb- of torque. For 2025, expect new body colors, upgraded driver assistance, and extra features. What stands out most is the sleek, state-of-the-art design. e interior of the Chevy Trax has a pleasant layout,

and the tech features an 8-inch or 11-inch unit touchscreen. e Trax boasts best-in-class rear-seat legroom and 25.6 cubic feet of cargo space behind the rear seats, ranking it among the roomiest in its class. Standard safety tech on every new Trax includes forward collision warning with automatic emergency braking and pedestrian detection. Other included technologies are lane-keeping assist and lane-departure warning.

2026

RIVIAN R2

NEW COMPACT ELECTRIC SUV

by VEENO DEWAN

he R2 is a new model from Rivian for the 2026 model year, as the larger Rivian R1 becomes a more familiar sight on Canadian roads. e emerging Rivian brand hopes that the smaller R2 will replicate the success of the R1 with its compact size and relatively low price, attracting new customers. e R2 is priced below the R1, starting at around $66,000 (Canadian) for the base single-motor model with the standard battery pack.

e new R2 resembles the size of a BMW X3. e charming ovoid headlamps remain, and the styling re ects the Rivian design language seen in other models. Enhancing Rivian’s o -road capability, the all-wheel-drive R2 o ers nearly 10 inches of ground clearance. ree di erent electric powertrain options will be o ered in the R2. e single-motor base model features one electric motor driving the rear wheels,

while higher trim models will include dual-and tri-motor con gurations providing all-wheel drive. e top-spectri -motor version will have two motors on the rear axle and one on the front. Two battery pack options will be available in the R2: a Standard Battery, a Large Battery, and an extended range Max Battery. Rivian states that the long-range R2 will be the single-motor variant with the larger battery, expected to deliver over 482 km of EV driving range. e R2’s charging system can recharge the battery from 10 to 80 percent in under 30 minutes on a DC fast charger.

e interior design ethos will echo the luxury-themed interior of the current Rivian R1 model. Premium materials will abound, and most functions will be accessed through a sizeable tablet-style infotainment display at the dashboard’s center. e R2’s cabin features two rows of seats with space for ve and a

well-proportioned cargo area behind the second row.

e front hood includes a small trunk that can hold small backpacks, while the rear hatch features a separate opening window, and the glass panel between the C-and D-pillars can pop open for ventilation. Additionally, the R2 rear seats can fold at, providing a surface for an in atable mattress when camping —while still keeping the handy features from the R1, such as a ashlight on the driver’s door and a device charger for batteries, phones, and power banks. e front doors have a larger storage compartment.

At the center of the R2’s dashboard is a 15.6-inch infotainment display taken from the Rivian R1S. is display is brighter and easier to use, featuring a higher contrast ratio. is touchscreen manages functions such as steering wheel and mirror adjustments, drive

mode selection, and more. e so ware interface includes expandable tiles for individual features, with the main options (navigation, media, and climate controls) consistently accessible at the bottom of the display. Although Apple CarPlay and Android Auto are currently excluded, this may change. Nonetheless, an onboard Wi-Fi hotspot, a wireless smartphone charging pad, and Amazon’s Alexa voice assistant are all anticipated to be standard features. e steering wheel features haptic controls for functions like radio volume, while the right-hand wheel adjusts drive modes.

Concerning safety and driver-assistance features, Rivian states that the R2 is equipped with 11 cameras and ve radar sensors, which work together with standard automated emergency braking, lane keeping, departure assistance, and adaptive cruise control. Additionally, standard automated emergency braking will include pedestrian detection.

e R2 will be delivered in Canada in the rst half of 2026. e Canadian price starts at $66,500. Canadian customers can reserve an R2 by placing a $150 deposit at the Rivian website or dealer outlet

Expect the 2026 Rivian R2 price to be $66,500 plus fees, taxes, and delivery.

Cool Gadgets

BY VINEEL RAJAN

ECOFLOW OASIS HOME ENERGY MANAGEMENT

Reports suggest that television manufacturing tycoons like Innovative energy solutions company EcoFlow is debuting Oasis, its new AI-powered Home Energy Management System. Designed to automate and simplify energy management, Oasis features an AI assistant that can answer and even act on complicated questions about your home’s energy using natural language, such as “How can I maximize my solar energy usage today?” Priced from $1,600.

ROBOROCK’S VACUUM

Roborock has added a new mechanical robotic arm to its Robo Vacuum cleaner called OmniGrip. It comes equipped with precision sensors, a camera, and an LED light, and the arm remains folded inside the vacuum cleaner until it detects an obstruction. e robotic arm then unfolds, extends, and twists vertically and horizontally to pick up and remove objects weighing up to 300 grams, including small items such as socks, tissue paper, and towels. Safety features include a child lock and a stop button to disable the arm when needed. Priced from $1,100.

STONE HS280 FOLDABLE DRONE

e Stone HS280 drone is a perfect tech gi for aerial photography. It can capture Full HD video from long range and has impressive ight and camera controls for beginners and experts. e HS280 can y for up to 15 minutes between battery swaps and folds in on itself for maximum portability. It includes two batteries, a controller, additional propellers, propeller guards with a screwdriver to help change them and a storage case. Priced from $159.

APPLE WATCH SERIES 10

e latest Apple Watch Series 10 is the thinnest yet, with the most prominent display. e watch monitors functions such as heart rate, can take an ECG, or measure your blood oxygen levels on your wrist. And, of course, it will help you keep track of the exercise regime. It comes in two case sizes and pairs with your iPhone. e Apple Watch Series 10 is available in a 42- or 46-millimeter aluminum, stainless steel, or titanium case. It is customizable with a wide selection of bands and accessories. Priced from $549.

COSORI PRO III WI-FI (EQUIPPED SMART AIR FRYER)

is Wi-Fi-equipped bright air fryer by Cosori will take aspiring kitchen chefs’ abilities to a new level. Its exceptional performance, in tandem with Amazon Alexa support and feature-rich companion app, will allow the recipients to create gourmet meals quickly with little e ort. e Pro III Air Fryer has a sleek, high-tech design. Its companion app provides access to recipes, how-to videos, and settings, among other things. Priced from $150.

GOAL ZERO NOMAD PORTABLE SOLAR PANEL

e Goal Zero Nomad 10 solar panel is necessary if you pursue the outdoors and camping lifestyle. Its onboard USB output lets it quickly charge phones, backup battery packs, and other small gadgets, even in low sunlight. e Nomad 10 also has a foldable design, an adjustable kickstand, and a built-in hook for attaching it to a backpack. Priced from $300.

LG’S

LG’s 2025 lineup of OLED TVs raises the bar again with stunning screen resolution and clarity. At the top of the lineup is the M5, 5K, the latest series to use the company’s Zero Connect Box for a wireless link between the TV screen and your gaming consoles, streaming boxes, and other external devices. e M5 will come in 65, 77, 83, and 97-inch sizes. is year, the wireless connection has become even more dependable. Priced from $2500- $5,500.

HP SPROCKET PORTABLE INSTANT PHOTO PRINTER

e HP Sprocket compact photo printer is one of the best tech gi s you can get for the social media addicts in your life. e stylish gadget can print 2x3-inch photos on water and tear-resistant paper. You can edit photos before printing through Sprocket’s mobile app. Each print has a sticky back, making an instant decoration option. Priced from $899.

SAMSUNG AI-OPERATED SMART REFRIGERATORS

Samsung’s smart fridges will use AI to suggest groceries to buy on Instacart. Samsung’s screen and camera-enabled smart fridges can automatically add items you run low on to your Instacart cart. AI technology can order what you need from the grocery delivery service. Samsung announced a multiyear partnership with Instacart that will let you shop for groceries from the screen of your Samsung Bespoke fridge. A 32-inch digital screen model or a new 9-inch screen model exists. Priced from $2,500.

e latest version of the Oura Smart Ring 4 does so much more. You can wear it at night for sleep tracking and monitoring, and when you wake up, an excellent feature called Symptom Radar can tell you when you’re getting a cold or u (or COVID). You can start caring for yourself earlier to speed up your recovery. e ring will require a monthly subscription to be most e ective. Priced from $529.

TRAVEL DESTINATIONS ACROSS THE GLOBE

When you plan on vacation this time, plan out of your usual locations. Instead, opt for locations with unique artistry, exquisite architecture, and scenic beauty for a visual delight. Many places across the globe o er luxurious and high-state holiday destinations, o ering the life of the rich and the famous.

by JAYAKRISHNAN JS

Marrakech, Morocco

Morocco is known for its rich culture and delicacies, as well as its spice and hustle-bustle markets. You can experience the vibrant souks, intricate architecture, and rich history. If you are looking to revisit old-time mosques and are fond of art and architecture, Morocco o ers some of the nest places in the world. It is a place to visit during the Marrakech International Film Festival, the Fes Festival of World Sacred Music, and the Gnaoua World Music Festival, all happening in Morocco.

Covered with stretches of mountains across, Peru o ers some of the most picturesque views. It is known for its ancient culture and heritage, part of the Incan civilization. It’s known for Machu Picchu, which is an ancient Incan city. It is one of the most iconic archaeological sites in the world. People across the globe come to visit its scenic beauty and heritage. Its age-old sites are recognized as heritage spaces by UNESCO and are worth a visual delight.

Venice, Italy

It has been known for decades to be the most romantic place for couples. It is known for its canals, historic architecture, and romantic gondola rides. Instead of roadways, people use canals to travel from one place to the other, using these tiny little boats that have sailors singing some of the most beautiful songs while they take you to your destination. Venice is a unique and enchanting city that feels like stepping back in time. Besides, don’t forget to dive deep into its architectural delights.

Kyoto, Japan

Japan has always been known for its ancient culture and heritage. Today, it stands as one of the leading countries in terms of technology and is de nitely famous as a travel destination. It’s known primarily for its historic temples, traditional tea houses, and serene escapes. If you are planning to visit, don’t forget to go through beautiful cherry blossoms to see the lands covered in pink—when most world travelers and nature photographers plan their nest shoots.

Santorini, Greece

Blue waters and white-washed buildings make it one of the most picturesque holiday destinations. You can soak yourselves in beautiful sunsets and crystal-clear waters. Santorini’s architecture is old and has di erent gradients. It has its own rustic Greek style, simple living, and excellent taste for family culture and food. If looked at from a distance, it’s all blue and white. In the evenings, Santorini looks like a land of torches beside the sound of water. It’s truly a romantic holiday destination.

Queenstown, New Zealand

When you think of New Zealand, the rst thing that comes to mind is the di erent kinds of adventure activities that we can indulge in. Queenstown is the world’s adventure capital, o ering bungee jumping, skiing, and hiking activities. But this is only one side of it. It is well-known for its scenic beauty and greenery and has the nest breathtaking views regarding commuting. It is a ordable and very convenient. It is a peaceful destination if you are planning an expedition with friends.

Monaco is beauty is on the French Riviera in Western Europe. France surrounds the north, east, and west, with a coastline along the Mediterranean Sea to the south. Monaco o ers a unique blend of luxury, history, and stunning scenery, thus making it a well-known place for the rich and famous. It o ers Mediterranean views with some of the most luxurious and exquisite locations and travel destinations. If one is looking at a fashion and shopping experience, this is supposed to be perfect.

THE IMPORTANCE OF WORK-LIFE BALANCE AND TIPS TO MANAGE IT IN 2025

by POOJA VALEJA

Let 2025 be your year. Let it be about you, your wellness, and your desires, but not keeping you away from your goals and objectives. Let it be about the ultimate balance.

But what does it mean by that?

Allow it to be a year in which you prioritize yourself. In today's fast-paced, well-connected world, work-life balance has never been more critical. As we head into 2025, the work landscape will rapidly evolve with exible hours, remote work, and digital tools. However, with these advancements comes the risk of overwork and burnout.

But why does Work-Life Balance Matter in 2025?

Well! Achieving a healthy work-life balance is essential for mental, physical, and emotional well-being. If these are managed well, you are automatically in a better position to put in more e ort in your work and achieve great results.

1. Improved Mental Health

e constant pressure to excel both at work and in personal life can lead to chronic stress, anxiety, and burnout. is is more noticeable in working women, especially those with younger children, who probably put themselves and their health on the back burner. A balance allows you to recharge, reduce mental exhaustion, and enhance your mind’s capacity to function better.

2. Enhanced Productivity

It’s a myth that working longer hours leads to higher productivity. Studies show that well-rested individuals are far more e ective. Taking time for exercise, relaxation, and sometimes even a short vacation can boost creativity and problem-solving skills, which leads to better work performance.

3. Better Physical Health

Prolonged work hours and constant stress are detrimental to the body. Sleep deprivation, poor nutrition, and lack of exercise are all associated with working too much. Work-life balance encourages healthy habits.

4. Stronger Relationships

When balance is maintained, people tend to have stronger relationships, whether with family, friends, or partners. Spending quality time with loved ones improves emotional health and provides support during tough times

5. Career Satisfaction

Employees who feel they have a good work-life balance are generally more satis ed with their jobs. is increases job engagement and job satisfaction, leading to remarkable results.

So, when there are many bene ts of

striking the right weight on both ends, Personal and Professional, why is it so complicated?

e answer that is within you. Sometimes, there is a pressure we create within ourselves to prove a point or to someone. At other times, it has also been instilled in our minds since childhood that hard work gives us results. is is not entirely wrong, but the journey is equally important to reach the destination. No success can be enjoyed without being in your best mind and health. It’s exactly like being able to buy your dream car nally but not being able to drive it due to severe migraine, vertigo, or horrible back pain issues.

So here are some tips for managing Work-Life Balance in 2025

1. Set Clear Boundaries

Whether you work from home or in an o ce, it is crucial to establish clear boundaries between work and personal life. Please communicate with your colleagues and manager about your availability to ensure they respect your personal time. Use tools like calendar reminders to set aside time for family.

2. Embrace Technology, But wisely

In 2025, technology will continue to play a pivotal role in working and thinking about working. Use productivity tools and time management apps to streamline tasks, but set limits on screen time to reduce digital burnout.

3. Prioritize Well-Being

Physical and mental health should always be a priority. Integrate exercise into your routine, whether just a walk a er work or a quick yoga session. Today, organizations o er wellness programs, so take advantage of resources like counseling services, gym memberships, or mindfulness sessions if available.

4. Be Assertive but not Rude

Some of us can never say ‘No’ even when overworked. As the demands of work increase, it’s essential to recognize your limits and be comfortable saying no. Overcommitting to tasks and projects can quickly lead to stress. Setting realistic expectations with your colleagues and managers will help you maintain a manageable workload.

5. Leverage Flexible Work Arrangements

One of the greatest boons of modern work culture is the availability of exible working arrangements or even hybrids. Take full advantage of exibility through remote work, exible hours, or job-sharing options.

6. Schedule Breaks and Vacations

Take regular breaks throughout your workday to rest and refresh. Additionally, plan vacations and time o in advance. Even a short break can rejuvenate and help maintain balance over the long term.

7. Build a Supportive Network

A support system at work and home can signi cantly impact your work-life balance. Encourage open communication with your employer and colleagues about your needs, and make time to nurture relationships with family and friends.

THURSDAY JULY