www.theasianstar.com Vol 19 - Issue 36 BC Election 2020
Harry Bains - NDP candidate for Surrey / Newton By Harvinder Sandhu
H
arry Bains was the Ministry of Labour for the NDP party for the last three years and is the representative for the Surrey – Newton riding. The Asian Star asked questions on issues concerning residents of the SurreyNewton riding. The Asian Star - In Metro Vancouver we have about 40,000 foreign students studying and working here after they obtain a work permit allowing them to work 20 hours a week. Many of these students live and work in Surrey. There are concerns that the foreign students on work permit are taking jobs away from the locals. This concern is compounded with stories of many of these students being paid almost half of what the minimum wage in the province is. How is the NDP going to help the foreign students being exploited and to ensure it’s a fair playing field for both the locals and foreign students when it comes to jobs? Harry Bains – My history as an immigrant and experiencing racism in the early days, which was quite open then, galvanized me to become an activist and a worker and human rights advocate. I want the foreign students to know they are entitled to a fair wage as per our laws in BC and they need to come forward so we can help them.
Continued on page 3 Fruiticana Diwali Shopping Festival 2020 The Seventh Annual Fruiticana Diwali Shopping Festival 2020 (FDSF) has started. It has been more than 25 years now that Fruiticana has served the BC community with its fresh and high-quality produce. Every year FDSF gives us the privilege of increasing our contribution in the well-being of the community and this year too Fruiticana is gifting amazing small home appliances to the lucky winners everyday till Diwali (November 14th 2020). Fruiticana believes in giving back to the community
Continued on page 6
Saturday, October 10, 2020
Tel:604-591-5423
Federal NDP joins Liberals block Conservative effort to probe WE Charity scam The Liberals and the NDP have blocked an effort by the Conservatives to get the WE Charity affair probed ahead of a study into why the Liberals prorogued Parliament. The government must provide a report within 20 sitting days to the Commons procedures and House affairs committee explaining why the August prorogation was necessary. The Tories had sought to get ahead of it by calling
witnesses and requesting documents related to the Liberal government’s choice to have WE Charity run a multimillion-dollar student program. They argued there’s a clear link between the parliamentary reset and the issue, accusing the Liberals of proroguing Parliament to stop several committee investigations into the controversy.
4 South Asian businessmen charged following investigation into immigration fraud Four notable B.C. businessmen face a series of charges under the Immigration and Refugee Protection Act (IRPA) for their role in an alleged immigration fraud network. The charges are tied into a four-year Canada Border Services Agency (CBSA) investigation into Can-Asia Immigration Consultants’ Rupinder (Ron) Batth and his wife Navdeep Batth, who now also face dozens of charges between them.
Randhir (Randy) T o o r , Surinder Paul Singla, Ved Kaler and Gurtaj Grewal each face multiple counts of counselling or attempting to counsel misrepresentation or helping people misrepresent facts related to their immigration. The men were all charged in early September along with the Batths.
Continued on page 7
Former Liberal MP Raj Grewal, charged by RCMP, has case adjourned to January A former Liberal MP facing charges of fraud and breach of trust related to his time in office has had his case adjourned until early next year. Lawyers for Raj Grewal and the Crown agreed to have the case return to
court Jan. 6 during a brief virtual hearing on Tuesday. Grewal’s lawyer Zachary AlKhatib said during the hearing that his team received 10 gigabytes of disclosure Continued on page 6
2
Saturday, October 10, 2020
Saturday, October 10, 2020 From page 1
Harry Bains - NDP candidate for Surrey / Newton
BC had one of the lowest minimum wage in the country and now we are one of the highest. Many
people think it’s bad for business, we believe that when the minimum wage is at a respectable level the works will spend the money in the business in their own neighbourhood. And the businesses will be helped, and the workers lives will be better. In fact, I received a letter from fifty economist in Canada, 7 of them from 3 leading universities in BC. The economists say that when people make an argument that increasing minimum wage will hurt businesses, it will shut business, that job losses will take place; all that is fear mongering, there’s no fact to that. Before we raised the minimum wage, we created a panel of 3 representatives; 1 of them was an economist from a BC Business council, one a union guy, another was an independent arbitrator. They went around the province to listen to business owners and this is what they learned – that what they (business owners) needed was certainty, through gradual and predictable increase and that is exactly what we have done. It was supported by all parties in the house. When you look at all of that, the economy in BC was the best in the country for the last three years before COVID, under our administration the unemployment rate was the lowest in the country and the job growth was one of the highest and we have a triple A credit rating and we balanced the budget. We removed the toll and MSP premiums, these are big ticket items, and we invested in affordable housing and
childcare – we still balanced the budget! It shows that it is doable, that misconception that if you improve services somehow there will be deficits. We proved it that you can do both. The Asian Star - Newton Exchange has changed over the years to where now it is a place where the presence of homeless people with mental health challenges have increased, drug trafficking etc. How is the area going to be cleaned up so regular folk are not afraid to use the buses, especially at night? Harry Bains – First of all Newton Exchange was basically rebuilt – there were a lot of trees, now it is wide open, there’s more light there’s a much safer feeling now. Of course, there of mental health and addictions issues. Our government takes this matter seriously and that is why we are the only government to have a stand-alone Ministry of Mental Health and Addictions to make sure we work with activists and the advocates and community to deal with the addiction issues. It’s a very complex issue. The Asian Star - Surrey is a growing city – at last update there are about 1000 people moving to this city monthly. How is the NDP government going to ease this city’s growing pains? Harry Bains - Surrey was ignored by the previous government – no skytrain extension, no hospital, no schools and childcare spaces were either not available or too expansive. Continued on page 7
3
4
OPINION By Adrian Dix, BC NDP candidate for Vancouver-Kingsway
Saturday, October 10, 2020 Big health care investments in Surrey includes a second hospital
From the moment Premier Horgan named me Minister of Health, I have been working with our team of Surrey MLAs to improve health care in Surrey. The Premier was clear, we needed to follow up on our commitment to the people of Surrey, long neglected on health care issues by the BC Liberals.Surrey residents needed better access to health care
professionals, reduced wait times for services, and improved senior’s care. People also needed a second hospital - after Andrew Wilkinson sold the land it should have been built on. And Premier Horgan has delivered – big time! Here are some highlights of what the John Horgan government has done to improve IFBMUI DBSF JO 4VSSFZ t#VJMEJOH B OFX GVMMZ GVOEFE 4VSSFZ )PTQJUBM t5XP OFX 6SHFOU
and Primary Care Centres that provide faster care, closer to home for tens of thousands PG 4VSSFZ SFTJEFOUT t"O JODSFBTF JO DBSF standards at every long-term care home in 4VSSFZ XJUI QVCMJD CFET tćF ĕSTU *OEJHFOPVT Primary Health and Wellness Home in Fraser Health to provide culturally safe and holistic DBSF t3FEVDFE XBJU MJTUT GPS .3*T BOE DPMPOPTDPQJFT BEEJOH UXP OFX .3* NBDIJOFT in Surrey and dramatically increasing hours BDSPTT 'SBTFS )FBMUI t5FBN CBTFE DBSF at a new Nurse Practitioner led clinic in $MPWFSEBMF t# $ T ĕSTU .FOUBM )FBMUI BOE 4VCTUBODF 6TF 6SHFOU $BSF 3FTQPOTF $FOUSF BU 4VSSFZ .FNPSJBM )PTQJUBM t/FX &3T BU Langley Memorial and Peach Arch Hospital. t OFX MPOH UFSN DBSF CFET UP CSJOH culturally sensitive long-term care for South Asian seniors, in partnership with the Progressive Intercultural Services Society. t"OE ZFT XF HPU SJE PG .41 1SFNJVNT Fraser Health is working full speed ahead on the new Surrey Hospital that will represent the largest provincial government contribution to a health care project in B.C.’s history and will serve the community for generations to come. In addition, we approved the concept plan for the new Surrey Cancer Centre. This stateof- the art facility will be co-located at the second Surrey hospital and will deliver high quality, comprehensive and compassionate cancer care services for patients and their families. This new centre will not only improve access to cancer services, but ensure Surrey residents no longer have to travel to Vancouver for care. Our lives have been transformed by the $07*% QBOEFNJD CVU QVCMJD IFBMUI IBT been there for families in Surrey and all across B.C. My message to Surrey residents is simple – we can’t go back to pre-2017. The previous BC Liberal government so opposed a second hospital for Surrey that Andrew Wilkinson sold the land the BC NDP had set aside for it. Our seniors suffered under the BC Liberal’s watch as most care homes had staffing levels below the government’s own standard. That’s no way to treat the people who built our province and deserve to retire in dignity.
www.theasianstar.com # 202 - 8388, 128 St., Surrey, BC V3W 4G2 Ph: 604-591-5423 Fax: 604-591-8615 E-mail: editor@theasianstar.com Editor: Umendra Singh Associate Editor: Chhavi Disawar Marketing and Sales: Ravi Cheema........604-715-3847 Shamir Doshi....................604-649-7827 Harminder Kaur...............778-708-0481 Parminder Dhillon..........604-902-2858 Pre-Press: Iftikhar Ahmed Design: Avee J Waseer Contributing writers: Jag Dhatt, Akash Sablok, Kamila Singh, Jay Bains
Publication Mail Agreement No 428336012 Return undeliverable Canadian addresses to Circulation Dept.
New address: # 202 - 8388, 128 St., Surrey, BC V3W 4G2 All advertising in The Asian Star is subject to the publishers’ approval and the advertiser agrees to indemnify the publishers against claims arising from publication of any advertisement submitted by the advertiser.
5
Saturday, October 10, 2020 British Columbia’s registrar of mortgage brokers has disciplined the wife of a man, allegedly linked to half a billion dollars worth of questionable home financing, for allowing her husband to use her name to submit mortgage applications containing inflated banking and tax information. In a consent
‘Shadow’ mortgage broker’s wife banned from industry in fallout from $500M case order signed at the end of August, Mana Erfani was ordered to pay investigation costs of $15,000 and banned for life from applying to become a mortgage or sub-mortgage broker for facilitating the activities of Jay Kanth Chaudhary. Chaudhary, an unregistered, so-called “shadow� mortgage broker, was
ordered to cease and desist last year after an investigation which alleged that he collected fees of more than $6 million in transactions JOWPMWJOH PWFS NPSUHBHF Ä•MFT &SGBOJ a former real estate agent who now runs a catering company, was registered as a sub-
mortgage broker during the time covered in the order — from June 2015 to June 2017. Chaudhary was last registered as a mortgage broker in 2008, when he was suspended for four months because of concerns about inconsistencies in documentation submitted to lenders.
6
Saturday, October 10, 2020 Fruiticana Diwali Shopping Festival 2020 From page 1
and FDSF gives us the opportunity to do that! We invite everyone to visit any location of Fruiticana and enter their name for a chance to win free Diwali prizes. Special thanks to our TQPOTPST 5FKB 'PPET #SBS %BJSZ BOE 4IFS #FTBO
What makes this year more special is the 'SVJUJDBOB %JXBMJ %IBNBLB 5FOU 4BMF XIJDI XJMM UBLF QMBDF UIJT ZFBS UPP XJUI $07*% QSPUPDPM in place.
Former Liberal MP Raj Grewal, charged by RCMP, has case adjourned to January From page 1
materials from investigators. He added that he has made a request for more evidence GSPN UIF $SPXO ćF 3$.1 DIBSHFE (SFXBM almost one month ago with four counts of breach of trust and one count of fraud over $5,000 stemming from his time in the House PG $PNNPOT ćF .PVOUJFT BMMFHF (SFXBM tried to use his political position to land millions in personal loans, which he didn’t
disclose to the federal ethics commissioner. Investigators also allege that he used money from his taxpayer-funded constituency office budget for his own benefit. (SFXBM IBT EFOJFE UIF BMMFHBUJPOT )F MFę the Liberal caucus in 2018 for what he said were personal reasons, and did not seek reelection in last year’s federal election.
Full-Service Notary Public
6 < = >
, & - . / / %& . . . 0& 1 & 2 3 - 4 - & / %& 2 . &5 &3 & 0 ) 6 . 7 8 &8 6 + 4 - & 4 3 . 4&- )
#
$
! "
6 96
%& ' ( ) * ( +) ( ) * ( +)
6 : 6 ;
Register Now for September Lessons COVID-19 SAFETY MEASURES ARE IN PLACE for all in-person lessons. We are able to offer on-line private lessons for those that prefer this. Carillon Red Program (ages 4-5)
Biggest Selection, Unbeatable Prices. Shop Paragon for all your Restaurant Equipment and Supplies at the Lowest Prices — Guaranteed!*
• Learn to play piano through the development of a variety of skills including ear training, note reading, rhythm, technique, singing and composition • 3 year program • 1 hour lesson each week • Parent participation
CarillonYellow Program (ages 6-7) • Skill development similar to Red Program, including learning repertoire through ear development and sight reading • 2 year program • 1 hour lesson each week • Parent participation
NEs areWindicSating
Carillon Blue Program (ages 8-10) • Skill development in ear training, note reading, rhythm, repertoire, technique, theory, singing, chording, composition, improvisation and transposition • Multi-year program
Studie dren who take that chil ing can achieve s. ain music tr academic result better uSICA Research
ON SALE THIS MONTH
ALSO AVAILABLE - PRIVATE LESSONS
Source-M .uciica..eucdi.eudu sica.mus httpm://uwww
See our website for more deals!
in Piano & Guitar
Carillon Music Academy SURREY 604.591.1161 7050 King George Blvd.
Call for rates & times.
Visit uswww.carillonmusicacademy.com at carillonmusicacademy.com
*See website for Price Match terms and conditions.
Prices in effect until November 6, 2020, while quantities last.
Visit us online for more great deals!
paragondirect.ca (604) 255-9991 760 East Hastings Street, Vancouver
Saturday, October 10, 2020
Harry Bains - NDP candidate for Surrey / Newton From page 1
On the public transportation extension what they did when the turn for Surrey comes, they want to have a referendum. They wasted 5 years. When we came in, we said there needs to be a leadership here. We did approve the extension to Newton town centre, but that plan changed when the local government changed, now as you know it’s going into Langley. We gave that approval to Langley. The previous government said they will pay one third towards the cost of public transportation. 8F TBJE XF XJMM QBZ BOE XF HPU UIF GFEFSBM HPWFSONFOU UP DPNF VQ UP BT XFMM 3FHBSEJOH IFBMUI OFFET JO 4VSSFZ 8F OFFE BOPUIFS hospital. Surrey is a growing community, we got the land already, we are building a business plan and UIF IPTQJUBM JT HPJOH UP CF CVJMU 6OUJM UIF IPTQJUBM JT CVJMU XF IBWF PQFOFE BO 6SHFOU BOE 1SJNBSZ $BSF Centre for non-emergency treatment in Whalley and Newton locations. (The center is for the following nonemergency treatments such as, minor cuts, sprains, injuries, prescription refills, fevers infections sore throat, earaches and more.) We talked to the Wraparound youth program in schools and asked them what they needed to deal with the backlog of youth wanting help – there was a very long waiting list, as the demand was so high. We were told they needed $500K per year to provide service. I UBMLFE UIF 4PMJDJUPS (FOFSBM BOE IF TBJE UIBU NBLFT sense, he gave them the money on a permanent basis. (VO BOE ESVH TNVHHMJOH o UIFSF XBT B UBTL GPSDF GPS that – they came back with recommendations and we are implementing all of those recommendations.
4 South Asian businessmen charged following investigation into immigration fraud From page 1
Court documents filed in 2017 to obtain a search warrant of the Can-Asia office in Surrey, the Batth’s home in Langley and several safety deposit boxes, name the companies run by the four men as businesses of interest in the CBSA JOWFTUJHBUJPO 5XFOUZ ĕWF PUIFS DPNQBOJFT BSF MJTUFE JO UIF EPDVNFOU BMPOH XJUI foreign nationals. The court document, filed CZ $#4" JOWFTUJHBUPS (BSZ 4JEIV EFTDSJCFT an investigation into two types of immigration fraud — schemes to help foreign nationals obtain temporary work permits and permanent residency using fraudulent work experience and credentials, as well as getting employers to “pad� applications to hire temporary foreign workers. The “padding� of labour market impact assessments (LMIA) — which are often required in order for employers to hire temporary foreign workers — essentially creates jobs that don’t exist. The non-existent jobs are then “sold� for the benefit of the employer or consultant. Three employees sentenced to 18 months in jail in B.C.’s biggest immigration scam
7
8
Saturday, October 10, 2020 Provincial leaders promise action on crime, cancer, COVID-19 NDP leader John Horgan and B.C. Liberal leader Andrew Wilkinson sparred over who is more responsible in giving out billions of dollars Wednesday, as each pitched their latest policy ideas to voters. Horgan outlined the B.C. NDP’s latest 10-year plan, this one for expansion of cancer care. It includes cancer treatment centres in Nanaimo and Kamloops, as well as
in a proposed new hospital in Surrey. Adrian Dix, whom Horgan said would continue as health minister if the NDP forms a government BęFS UIF 0DU WPUF TBJE NPSF EJBHOPTUJD BOE treatment is needed because in 20 years, B.C. will have twice as many cancer patients as it has now, due to better survival and longer life expectancy of a growing senior population.
Great potential for growth in India-Canada agriculture trade: Tomar "HSJDVMUVSF .JOJTUFS /BSFOESB 4JOHI 5PNBS PO 5VFTEBZ TBJE UIFSF JT B HSFBU QPUFOUJBM GPS growth in agriculture trade between India and Canada. The minister said this in his inaugural BEESFTT BU UIF UXP EBZ *OEJB $BOBEB "HSJ 5FDI virtual seminar organised by the Indo-Canadian Business Chamber (ICBC) in collaboration with the Confederation of Indian Industry (CII) and the Ministry of External Affairs of India. 5PNBS IJHIMJHIUFE UIBU UIF HPWFSONFOU IBT taken various reforms in the agriculture sector for establishment of One Nation-One Market,
and contract farming with appropriate measures UP QSPUFDU TNBMM BOE NBSHJOBM GBSNFST 3T POF lakh crore Agri Infra Fund has also been set up. The government is committed to turning the agricultural sector into an investment PQQPSUVOJUZ BO PÄ?DJBM TUBUFNFOU TBJE 5PNBS said India, during the last six months of the global pandemic crisis, has made considerable progressive reforms in the farm sector. Indicating the rapid growth in agri-trade CFUXFFO *OEJB BOE $BOBEB 5PNBS TBJE *OEJB JT the fifth largest importer of Canadian vegetables
Thanks for Voting us your BEST EYEWEAR STORE IN SURREY!
WE CARRY ALL THE TOP BRANDS OF EYEGLASSES, SUNGLASSES & HEARING AIDS
Direct Billing Available to most Insurance Companies
Open 7 Days a Week
Saturday, October 10, 2020
9
10
LOCAL / NATIONAL
Saturday, October 10, 2020 What is UMP and how much should I get when I renew my car insurance? Stephen Ferguson Lawyer Simpson, Thomas & Associates
Imagine you are seriously injured in a car accident caused by another driver’s negligence. Next imagine you find out that the other driver had only the minimum third-party liability car insurance coverage. There’s a good chance that the driver’s $200,000 ICBC Basic Autoplan policy limit will not be enough to cover your injury claim. A major accident could leave you with medical costs and substantial loss of income for the rest of your life, particularly if you sustained major injuries such as a concussion or traumatic brain injury, spinal cord injury, serious orthopedic injury, psychological injury, severe whiplash or other soft tissue injuryrelated disorders. What is UMP? 6OEFSJOTVSFE .PUPSJTU 1SPUFDUJPO PS i6.1w DPWFSBHF JT QBSU PG BMM ICBC Basic Autoplan insurance policies. The QVSQPTF PG 6.1 JT UP QSPUFDU ZPV JG ZPV BSF hurt by a driver with insufficient insurance. If an at-fault driver does not have enough insurance to fully compensate you, your 6.1 DPWFSBHF XJMM DPNF JOUP QMBZ UP DPWFS your medical costs, rehabilitation and lost XBHFT 6.1 DPWFSBHF BQQMJFT UP ZPV BOE to members of your household if you are injured by another driver while in your own vehicle. It also covers you and members of your household if you are injured by another driver as a pedestrian or cyclist, or while in a vehicle other than your own.
How Much UMP Coverage Should I Get When I Renew my Car Insurance? All ICBC Basic Autoplan insurance QPMJDJFT JODMVEF NJMMJPO PG 6.1 DPWFSBHF However, when you renew your car insurance you can choose to pay a bit more to increase ZPVS 6.1 MJNJU ćJT PQUJPOBM FYDFTT DPWFSBHF LOPXO BT &YUFOTJPO 6OEFSJOTVSFE .PUPSJTU 1SPUFDUJPO PS i&YUFOTJPO 6.1 w JT something our Vancouver personal injury lawyers highly recommend. For a relatively TNBMM GFF ZPV DBO CVZ &YUFOTJPO 6.1 UIBU JODSFBTFT ZPVS UPUBM 6.1 MJNJU UP NJMMJPO NJMMJPO NJMMJPO PS NJMMJPO JODMVEJOH UIF NJMMJPO #BTJD 6.1 *G you or a loved one sustains significant or catastrophic injuries in a car accident caused CZ BO VOEFSJOTVSFE ESJWFS UIBU FYUSB 6.1 coverage will be worth every penny. (FU "EWJDF GSPN B 7BODPVWFS *$#$ $MBJN Lawyer ćF EFDJTJPO UP QVSDIBTF FYUFOTJPO 6.1 protection is simple, but the law that applies UP 6.1 DMBJNT‰TIPVME ZPV FWFS OFFE UP make one—is very technical. If you or a loved one has been seriously hurt in a car accident, contact the Vancouver ICBC claims lawyers at Simpson, Thomas & Associates for help. We have considerable experience handling 6.1 DMBJNT 8F DBO QSPUFDU ZPVS MFHBM SJHIUT and ensure that the requirements are met to TFDVSF GVMM DPNQFOTBUJPO $POUBDU VT BU UP TDIFEVMF ZPVS GSFF DPOTVMUBUJPO with a skilled ICBC claim lawyer. Vancouver, Surrey/Delta, Burnaby and Abbotsford office appointments are available, or one of our lawyers will come to you if you are facing mobility issues.
Saturday, October 10, 2020 Canada’s current deficit level will be ‘unsustainable’ within 1 to 2 years: PBO The federal government has no more than one or two years to rein in the hundreds of billions of dollars in deficits it is wracking up through coronavirus spending, or risk the debt being “unsustainable.” That’s according to parliamentary budget officer Yves Giroux, who spoke with The West Block‘s Mercedes Stephenson about the
federal government’s spending ahead of a throne speech on Sept. 23, which Prime Minister Justin Trudeau has said will pitch “ambitious” new programs. “It’s without a doubt that we cannot afford deficits of over $300 billion for more than just a few years,” said Giroux. “And when I say a few years, I really mean a year or two. Beyond that, it would become unsustainable.
11
12
Saturday, October 10, 2020
6WUHHW ( 6$/ )25
$YHQXH ( 6$/
)25
6
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
/,1'(1 '5,9( D 6WUHHW $YH (
)25
)25
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
9GNEQOG VQ 5WNNKXCP 5VCVKQP $4#0& 0'9 *QOG YKVJ $GFTQQOU $CVJTQQOU CPF 5WKVGU
7RUVCKTU HGCVWTGU HQWT DGFTQQOU KPENWFKPI OCUVGT DGFTQQOU YKVJ YCNM KP ENQUGVU 6JG OCKP HNQQT CNUQ JCU C HWNN YCUJTQQO HQTOCN NKXKPI FKPKPI IQTIGQWU MKVEJGP YQM MKVEJGP YKVJ UVCKPNGUU UVGGN JKIJ GPF CRRNKCPEGU HCOKN[ TQQO CPF EQXGTGF FGEM )TGCV HKPKUJKPI YKVJ CET[NKE ECDKPGVT[ VJTQWIJQWV &QYPUVCKTU KP VJG DCUGOGPV VJGTG CTG OQTVICIG JGNRGT UWKVGU QPG KU C DGFTQQO YCUJTQQO UWKVG
YKVJ VJG QRVKQP VQ MGGR VJG JCNH DCVJTQQO CPF DGFTQQO HQT WRUVCKTU WUG CPF QVJGT KU C DGFTQQO YCUJTQQO UWKVG $QVJ UWKVGU YKNN RTQXKFG ITGCV TGPVCN KPEQOG HQT OQTVICIG JGNR 8GT[ EGPVTCN NQECVKQP YKVJ GCU[ CEEGUU VQ -KPI )GQTIG *KIJYC[U #ORNG RCTMKPI YKVJ FQWDNG ICTCIG FTKXGYC[
E $YHQXH ( 6$/
)25
6WUHHW ( 6$/
)25
4'018#6'& *1/' YKVJ UWKVGU
3WCNKV[ DWKNV DGFTQQO DCVJ JQOG KP C %GPVTCN NQECVKQP QH 0GYVQP 0GY UVCKPNGUU UVGGN CRRNKCPEGU WRFCVGF HNQQTKPI DCVJTQQOU CPF OWEJ OQTG 6JG *QOG KU US HV CPF UKVWCVGF QP US HV NQV 0KEG FGEQT VJTQWIJQWV KPENWFKPI ETQYP OQWNFKPI 3WCNKV[ QCM MKVEJGP YKVJ CP +UNCPF YKVJ UGCVKPI CPF C URKEG MKVEJGP 6JGTG KU C HWNN YCUJTQQO QP VJG OCKP CNQPI YKVJ C FGP VJCV ECP DG WUGF CU C DGFTQQO 7RUVCKTU JCU DGFTQQOU CPF DCVJTQQOU /CUVGT GPUWKVG JCU C NCTIG UQCMGT VWD &QYPUVCKTU JCU UGRGTCVG UWKVGU CU OQTVICIG JGNRGTU DTKPIKPI KP IQQF TGPV 2NGPV[ QH RCTMKPI QP FTKXGYC[ ICTCIG 5EJQQN ECVEJOGPV CTGC KPENWFGU /CTVJC ,CPG 0QTTKU 'NGOGPVCT[ 6COCPCYKU 5GEQPFCT[ #NUQ ENQUG VQ -YCPVNGP 7PKXGTUKV[ 6TCPUKV TGETGCVKQP CPF UJQRRKPI CTG PGCTD[
$TCPF PGY UGXGP DGFTQQO JQOG KP 9GUV 0GYVQP 6JG US HV RQTEJ YGNEQOGU [QW Y C Z ENGTGUVQT[ VQ CNNQY NQVU QH NKIJV 6JG NKXKPI FKPKPI TQQOU JCXG EGKNKPIU RNWU C IWGUV DGFTQQO RKGEG GPUWKVG QP VJG OCKP NGXGN 0KEG UK\GF YQM MKVEJGP QHH VJG OCKP MKVEJGP CU YGNN CU C RKGEG DCVJTQQO 6JGTG KU C OWF NCWPFT[ TQQO QHH VJG ICTCIG 6JG WRRGT NGXGN HGCVWTGU C OCUVGT DGFTQQO GPUWKVG YCNM KP ENQUGV RNWU VYQ CFFKVKQPCN DGFTQQOU DCVJU 6JG DCUGOGPV KU FGUKIPGF HQT C DGFTQQO DGFTQQO UWKVG %NQUG VQ 0GYVQP GZEJCPIG UJQRRKPI NKDTCT[ GVE 0GCT $GCT %TGGM 2CTM $GCT %TGGM 'NGOGPVCT[ (TCPM *WTV 5GEQPFCT[ UEJQQNU 1P VTCPURQTVCVKQP TQWVG &QP V YCKV QP VJKU COC\KPI JQOG %CNN VQFC[
&HQWUDO $YH 6WUHHW $/(
6
(
$/ 25 6
)
(
6WUHHW )25
(
$4#0& 0'9 EWUVQO DWKNV DGFTQQO JQOG YKVJ $CVJU )TGCV EGPVTCN CTGC KP 2CPQTCOC 4KFIG /CKP HNQQT HGCVWTGU C NCTIG HQ[GT NKXKPI TQQO LHCN F0J, V4ZLST %ZUT, NCS9\ $T\ RKGEG DCVJ QRGP EQPEGRV HCOKN[ FKPKPI TQQOU MKVEJGP Y (KUJGT 2C[MGN CRRNKCPEGU YQM MKVEJGP EXW,N VWRU G\ NZUREZU GZ PZON E[Q GZ CPF C *WIG 2CPVT[ 7RUVCKTU [QW YKNN HKPF Y',$Z P2NZ> NZUREZU VU, LYF 6ZQGZU DGFTQQOU HWNN DCVJU &QYPUVCKTU C NCTIG OGFKC TQQO Y C YGV DCT DGFTQQO UWKVG Y KVU QYP V4ZQ ÂŒ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
$YHQXH (
$/ 25 6
)
+PXGUVQT $WKNFGT #NGTV 4GPV JQNF QT UWDFKXKFG 2CTVKCNN[ TGPQXCVGF NKXCDNG DGFTQQO JQOG YJKEJ JCU UWD FKXKFCDNG RQVGPVKCN HQT NQVU .QECVGF KP RTKOG 5WNNKXCP 5VCVKQP NQECVKQP YKVJ DCEM NCPG CEEGUU $CEM[CTF HCEGU UQWVJ )QQF WRFCVGU YJKEJ KPENWFG PGYGT MKVEJGP YKPFQYU HWTPCEG JQV YCVGT VCPM %NQUG VQ UEJQQNU UJQRRKPI 4GPVGF VQ IQQF VGPCPVU %QOG VCMG C NQQM $W[GTU VQ XGTKH[ CV %KV[ *CNN HQT FGXGNQROGPV RQVGPVKCN
6WUHHW (
$/ 25 6
)
2TKOG NQECVKQP JKIJ GZRQUWTG KP ;QTM $WUKPGUU %GPVTG CV VJG EQTPGT QH 5VTGGV #XGPWG KP 5WTTG[ 1PG QH VJG OQUV FGUKTCDNG EQOOGTEKCN QHHKEG TGVCKN URCEGU KP 5WTTG[ 6JKU ITQWPF HNQQT URCEG KU USWCTG HGGV CPF KFGCN HQT DWUKPGUU QT TGVCKN 6JKU URCEG JCU VJTGG QHHKEGU C DQCTF TQQO VTCKPKPI TQQO CPF C MKVEJGP (GPEGF RTQRGTV[ NQVU QH RCTMKPI QP VJG VTCPUKV TQWVG # ITGCV QRRQTVWPKV[ HQT VJKU V[RG QH URCEG
(
6$/
)25
$GCWVKHWN DTCPF PGY JQOG UGV KP VJG 5QWVJ 5WTTG[ 9JKVG 4QEM CTGC $CUGOGPV HGCVWTGU C VJTGG DGFTQQO UWKVG 6JG JQOG JCU C NCTIG QRGP OCKP HNQQT YQM MKVEJGP CPF VQR QH VJG NKPG CRRNKCPEGU 6JG WRRGT HNQQT HGCVWTGU C PKEG UK\G OCUVGT DGFTQQO CPF GPUWKVG RNWU VJTGG CFFKVKQPCN DGFTQQOU YKVJ VYQ DCVJTQQOU 6JG DCUGOGPV KU HWNN[ HKPKUJGF CPF JCU C TGE TQQO 5WPP[ UQWVJ DCEM[CTF YKVJ EQXGTGF RCVKQ VQ GPLQ[ CNN [GCT TQWPF %NQUG VQ 5QWVJ 4KFIG 5EJQQN UJQRRKPI TGETGCVKQP CPF OQTG 'CU[ CEEGUU VQ *KIJYC[
9GNEQOG VQ 5WNNKXCP 5VCVKQP ,WUV NKMG PGY NGXGN JQOG 6JKU SWCNKV[ DWKNV JQOG KU UKVWCVGF QP C EQTPGT NQV YKVJ NQCFU QH PCVWTCN NKIJV QRGP EQPEGRV JKIJ SWCNKV[ HNQQTKPI VJTW QWV 6JG OCKP HNQQT JCU C EQODKPCVKQP NKXKPI FKPKPI TQQO ITGCV TQQO OCUVGT DGFTQQO Y GPUWKVG YCNM KP ENQUGV YKVJ C RTKXCVG UWPFGEM CPF UGRCTCVG GPVTCPEG -KVEJGP HGCVWTGU UVCKPNGUU UVGGN CRRNKCPEGU NCTIG KUNCPF RNWU PQQM 6JG 5( EQXGTGF RCVKQ Y XCWNVGF EGKNKPI JCU C $$3 CTGC LWUV QHH PQQM 6JG HNQQT CDQXG HGCVWTGU VJG OCUVGT UWKVG Y GPUWKVG YCNM KP ENQUGV C UGEQPF DGFTQQO Y CP GPUWKVG RNWU CP CFFKVKQPCN DCVJTQQO 6JG HNQQT DGNQY JCU C OGFKC TQQO C DGFTQQO UWKVG Y UGRCTCVG GPVTCPEG C 5( UWPMGP RCVKQ )CTCIG CTGC KU 5( %NQUG VQ DQVJ NGXGNU QH UEJQQNU VTCPURQTVCVKQP /E.GQF 2CTM
$YH D 6WUHHW &HQWUDO $YH (
6$/
)25
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
/( 5 6$
)2
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
(
(
6$/
)25
(
6$/
)25
9GNEQOG VQ 5WNNKXCP 5VCVKQP $4#0& 0'9 *QOG YKVJ $GFTQQOU $CVJTQQOU CPF 5WKVGU 7RUVCKTU HGCVWTGU HQWT DGFTQQOU KPENWFKPI OCUVGT DGFTQQOU YKVJ YCNM KP ENQUGVU 6JG OCKP HNQQT CNUQ JCU C HWNN YCUJTQQO HQTOCN NKXKPI FKPKPI IQTIGQWU MKVEJGP YQM MKVEJGP YKVJ UVCKPNGUU UVGGN JKIJ GPF CRRNKCPEGU HCOKN[ TQQO CPF EQXGTGF FGEM )TGCV HKPKUJKPI YKVJ CET[NKE ECDKPGVT[ VJTQWIJQWV &QYPUVCKTU KP VJG DCUGOGPV VJGTG CTG OQTVICIG JGNRGT UWKVGU QPG KU C DGFTQQO YCUJTQQO UWKVG YKVJ VJG QRVKQP VQ MGGR VJG JCNH DCVJTQQO CPF DGFTQQO HQT WRUVCKTU WUG CPF QVJGT KU C DGFTQQO YCUJTQQO UWKVG $QVJ UWKVGU YKNN RTQXKFG ITGCV TGPVCN KPEQOG HQT OQTVICIG JGNR 8GT[ EGPVTCN NQECVKQP YKVJ GCU[ CEEGUU VQ -KPI )GQTIG *KIJYC[U #ORNG RCTMKPI YKVJ FQWDNG ICTCIG FTKXGYC[
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
D $YHQXH 6WUHHW 6WUHHW /( 5 6$
E 6WUHHW
6$/
)25
&200(5&,$/ )25 6$/(
)2
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
$YH
6$/
6$/
(
6$/
6$/
)25
6JKU JQOG KU NQECVGF UVGRU CYC[ HTQO .KVVNG %CORDGNN 4KXGT CPF 'CUV $GCEJ KP 9JKVG 4QEM 6JG CTGC QHHGTU UQOGVJKPI HQT GXGT[QPG HTQO GZRNQTKPI VJG DGCEJ UYKOOKPI RCFFNGDQCTFKPI MC[CMKPI MKVG HN[KPI ICNNGTKGU YCNMKPI VJG RTQOGPCFG CPF RKGT .QVU QH ITGCV FKPKPI KP VJG CTGC 6JKU US HV JQOG YCU DWKNV Y SWCNKV[ CPF KU QRGP EQPEGRV 6JG JQOG HGCVWTGU JKIJ GPF CRRNKCPEGU CPF ECDKPGVT[ RNWU C NKDTCT[ DGFTQQOU CPF DCVJU 6JG JQOG KU CP QRGP EQPEGRV RNCP CPF JCU C VYQ DGFTQQO UWKVG FQYPUVCKTU /KPWVGU VQ 2GCEJ #TEJ DQTFGT %NQUG VQ *KIJYC[ CPF -KPI )GQTIG $NXF *QOG JCU C XCEWWO U[UVGO UGEWTKV[ CPF OCP[ SWCNKV[ HGCVWTGU 5EJQQN ECVEJOGPV CTGCU KPENWFG 5QWVJ /GTKFKCP 'NGOGPVCT[ CPF 'CTN /CTKQVV 5GEQPFCT[ .CPG CEEGUU
)25
)25
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
/276 )25 6$/( ,1 %522.6:22'
( 6$/
$/(
)25
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
(
6$/
)25
6
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
6WUHHW
$/(
)25
D 6WUHHW
6WUHHW
$ $9(18(
(
$/ 25 6
)
:LQUDP 5RDG (
6$/
)25
5CHHTQP KU C XGT[ PKEG UVQTG[ WPKV KP 5WNNKXCP 5VCVKQP Y C FGVCEJGF ICTCIG NCPG CEEGUU (KXG DGFTQQO JCNH FWRNGZ Y DCVJU CPF C DGFTQQO UWKVG .QVU QH OQFGTP MKVEJGP CRRNKCPEGU RNWU C IQQF UK\GF ITGCV TQQO QP VJG OCKP *QOG KU DTKIJV CPF ENGCP CPF JCU C PKEG QRGP HNQQT RNCP HKTGRNCEG 'PLQ[ [QWT FC[U QP VJG UQWVJ HCEKPI FGEM 4QQO VQ RCTM XGJKENGU 1PN[ [GCTU [QWPI +P 9QQFYCTF *KNN 'NGOGPVCT[ 5EJQQN CTGC CPF 5WNNKXCP *GKIJVU 5GEQPFCT[ %GPVTCN VQ GXGT[VJKPI 2GGM C DQQ XKGY QH 0QTVJ 5JQTG
$WKNF [QWT FTGCO JQOG QP VJKU *7)' 53(6 .QV KP VJG FGUKTCDNG 2CPQTCOC 4KFIG #TGC %CNN HQT FGVCKNU
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
6WUHHW
+. \QPKPI 'CU[ CEEGUU VQ 5EQVV 4QCF 2CVWNNQ $TKFIG )TGCV NQECVKQP %JGEM HWVWTG NCPF RQVGPVKCN
Saturday, October 10, 2020
13
14
LOCAL
Saturday, October 10, 2020
Two-year-old boy dies after collision in Coquitlam A two-year-old child has died in what Mounties are calling a tragic event in Coquitlam. The boy and his 36-year-old mother were struck by a vehicle on Pinetree Way near Tantalus Court across from an elementary school Monday around 6:30 p.m. Both were taken to hospital and the mother was seriously hurt. RCMP investigators don’t believe the driver was either speeding or impaired. Police add the driver stayed on scene and cooperated. “At this early stage this appears to be a tragic event without any indication of criminal behaviour or negligence,” says Cpl. Michael
McLaughlin. “We’re asking that all parents be extra-careful to hold their children’s hands near busy streets, and for drivers to be extra-watchful for kids who may do something unexpected.” The investigation is in its early stages, and Mounties say they have gathered “clear dashcam video” as well as witness statements. Any eyewitnesses who haven’t already spoken with police already are asked to contact Coquitlam RCMP’s non-emergency number at 604-945-1550 with file 2020-27135
BC Liberals commit to eliminating small business tax, loan guarantees for tourism and hospitality
Press release
A BC Liberal government will immediately eliminate the two per cent small business income tax in a move to give more help to businesses, workers, and families at a time when it is needed most. John Horgan called an unnecessary
election while sitting on $1.5 billion of relief funds that small businesses desperately need and should have been given months ago – and still nothing from the NDP. “Small businesses represent the best of British Columbia and are the backbone of our economy. They need our support now more than ever, which is why a BC Liberal government will immediately eliminate the small business tax,” said BC Liberal Andrew Wilkinson. “John Horgan and the NDP have literally done nothing to help small businesses recover — a BC Liberal government will help get our small businesses back on track.” Small businesses make up 98 per cent of all businesses in B.C. and employ over one million people. The small businesses tax cut will help keep small businesses alive and create jobs throughout the province. The BC Liberals have also committed to deliver emergency financing for some businesses hardest hit by the pandemic, through a loan guarantee program for the province’s more than 19,000 tourism and hospitality businesses. “A loan guarantee program for tourism and hospitality plus elimination of the small business tax will keep more people working and help get our communities thriving again,” concluded Wilkinson. “These announcements build on our recent commitment to eliminate the PST, which together, will be a huge boost to families, small businesses, the hospitality industry, and our economy at large.” Press release
PICS Society would like to thank the Media channels who have continually supported and helped us promote our Diversity Village project, a 125-bed LongTerm Care facility to be built for the SouthAsian community. Over the years you have provided excellent coverage and advocacy for the project that will meet the long-standing needs of the South Asian Community. Our combined hard work finally bore fruit on September 16th when the provincial government announced the approval of the project. South Asian Adults & Seniors Yoga Classes on line (Free) By Mrs. Sumita Kolppa Expert Yoga Instructor Vedic Seniors Parivar Center of Vedic Hindu Cultural Society of British Columbia invites South Asian Adults and Senior members to attend Yoga classes on line Free of cost through Zoom Meetings to be conducted by Mrs. Sumita Kolppa an Expert Yoga Instructor from her studio on Monday the 12th October 2020 & Thursday the 15th October 2020 from 10.00 am sharp to 11.00 am, one full hour both the days. It will be organized through Zoom Meetings for which you will be provided a link to click to join the Zoom Meeting, the link to click for Monday class is different and the link for Thursday class is different. You must have Web Camera with Mike installed to your Computer or smart phone to have Video display for the participating members on your Computer screen or Smart phone screen. Project funded by Government of Canada’s New Horizons for Seniors Program for Hindi speaking seniors. Please call Surendra Handa Coordinator Tel. 604 - 507 - 9945 for further details
LOCAL / NATIONAL
Saturday, October 10, 2020
15
Federal Liberals’ 2021 single-use plastic ban includes grocery bags, takeout containers The end is coming for plastic grocery bags, straws and cutlery after the federal government announced today which single-use plastics will be covered by a national ban coming into effect next year. Environment Minister Jonathan Wilkinson unveiled the list of soonto-be-banned items Wednesday morning at the Canadian Museum of History in Gatineau, Que. As it was compiling the list, the government said it considered plastics that are harmful to the environment and hard to recycle, and whether there are readily available alternatives.
The regulations to introduce the ban will be finalized by the end of 2021, said Wilkinson. “When a ban comes into effect, your local stores will be providing you with alternatives to these plastic products, like reusable or paper bags in place of plastic,” he said. “I know it is presently hard to come back from the grocery store without a single use plastic item ... You use it, you throw it in the recycling bin and more often than not, it ends up in a landfill. This has to change, which is why we’ll be working with grocers and industry leaders and provinces and territories to keep more plastic in our economy through recycling.”
7832 120 132 ST St. #106 - 7565 SURREY BC Surrey, BC BUS: 604-572-3005 604.572.3005
14103 110 AVE., N.SURREY
11360 RIVER ROAD, N.SURREY W NE ING T LIS
Truly delightful huge basement entry app. 7200 sqft. home sits on rectangular 9965 sqft. lot. House features 11 bedrooms & 10 washrooms build by good reputation builders. Main floor has 5 bedrooms & 4 bath with huge family room,living room,kitchen,& spice kitchen.Ground level basement has 27'x15' media room with bar & washroom for upstairs use.House has 3 spacious ground level basement suites (3 bed.+3 bed & bachelor suite).Total rent of the suites is $3500/month.Very nice tenants.Easy access to Pattulo bridge, Port Mann bridge & shopping center.Motivated sellers.Easy to show.
View! View! Truly delightful 3 storey 4200 SF home sits on over 6200 SF lot in Royal Heights.House has spacious 8 bedrooms & 7 bath,lots of Parking,1 year old hot water tank & brand new washer & dryer.House has 3 basement suites (2 bed+1 bed+ 1 bed.)for mortgage help.Stunning view of New Westminister downtown,Fraser River,mountains & much more.Easy access to Alex Fraser & Pottullo Bridges.Priced to sell.A must see.Call now.
$1,779,000
$1,175,000
26964 28 AVE., LANGLEY
#125 32850 GEORGE FERGUSON WAY, ABBOTSFORD
Truly delightful fully renovated 6 bedroom basement entry home sits on rectangular 7920 sf flat lot in most demanding area Aldergrove Langley.Main floor features 3 bed ,2 bath with new kitchen /island ,new flooring,new tiles , new woodwork,new fixtures,splash back,granite counters,new tiles,new cabinet, new windows,new zebra drapes,4 new washrooms & much more .Newly built 3 bedroom unauthorized basement suite with rear separate entry.Excellent renovated covered 333 sf Patio & deck.Landscape front & fully fenced back yard.Storage shed.Walking distance to both schools,shopping,community center with pools,water Park,ice arena,playing fields& to all major routes.A must see to appreciate.
Hot deal! First Time Buyers or Investors, great investment property with reliable tenants, centrally located in a great neighbourhood. 2 bedroom and 1 bath spacious ground level apartment. Well maintained complex, with many updates on the complex over the last couple of years including, roof, windows, balconies, boilers, security cameras, fob access systems and landscaping. There is shared laundry on every floor. Wheelchair access, elevators secure underground parking. Close to Bus stop, walking distance to shopping, restaurants, banks and much more.
$920,000 5843 180 STREET CLOVERDALE
$210,000
Solid family home on almost 10,000 square foot rectangular lot in Cloverdale with loads of potential. Large open lot offers plenty of space for a pool, playground & trampoline; or use the extra space to build your dream home. Great central location - close to shopping, transit & schools. Same owners since 1987. Three bedrooms up, one down in partially finished basement (just needs a closet). Walkout basement with its own entrance offers potential for two bedroom suite. Large covered patio off the living area overlooks the private, sunny backyard. Transform it into a modern, functional family home or design a new build.
$912,500
16
Saturday, October 10, 2020
Saturday, October 10, 2020
17
18
Saturday, October 10, 2020 Advertorial
How entrepreneurs can prepare their business for the challenges ahead Tips for how small business owners can strengthen their business in the year ahead Despite the challenges Canadian business owners have faced due to COVID-19 – from operational disruptions and financial concerns and persistent uncertainties – they continue to demonstrate remarkable resilience, optimism and ingenuity. This silver lining comes from RBC’s 2020 Small Business Poll, which reveals that the business owners surveyed are more confident than the average Canadian in their ability to remain resilient and weather the storm in challenging times. In fact, when faced with setbacks, nearly 9 out of 10 business owners say they can bounce back, compared to 7 out of 10 for the general population, and are also more confident in their ability to find creative solutions to problems. Furthermore, the majority (82 per cent) of owners expect their business to ride out the pandemic and nearly a quarter (22 per cent) even expect to prosper in the six months ahead. This optimistic attitude will be critical to rebuilding, recovering and enduring through the challenging conditions. The pandemic has brought into sharp focus the value of small businesses to Canadians – and just how much they regularly rely on local shops and services. The survey shows that Canadians feel invested in their success: since the pandemic began, many have rallied behind small business owners with a groundswell of support, with 8 in 10 Canadians saying that the crisis has helped them recognize the value of small businesses in their community. They also offer suggestions on ways entrepreneurs can strengthen their businesses and engage with customers in the year ahead. Given the ongoing physical distancing guidelines, nine out of ten survey respondents agree that businesses will need to offer an end-to-end digital presence to be successful and increase customer engagement. In addition, online ordering, touchless payment and social media advertising should be considered less a ‘nice-to-do,’ but rather a key priority for forward-
thinking businesses in the next year. Other tips from RBC that can help entrepreneurs support their business recovery and growth include: t 3FĕOF ZPVS DPSF PČFSJOHT Being clear on what your business stands for is important to help refine and streamline your core products or services over the next year. What problem can you solve for customers in this environment? Maximize your core strengths and identify areas where you can cut back or even pivot where it makes sense, to keep your operations lean yet profitable. t &YQMPSF BWFOVFT GPS ĕOBODJBM support. Naturally, many small business owners have been focusing on cash flow management and contingency planning now more than ever. For those who need it, there are a number of government resources available, including loans, grants and emergency funding. It’s also a good idea to proactively speak with a business advisor at your financial institution to learn more about tailored business and financial solutions that might be available to meet your unique circumstances and longer term business and operational contingency plans. t -PPL GPS TFSWJDFT CFZPOE CBOLJOH Advisors at your bank are more than just providers of financial capital. They can help you manage and grow your business and connect you with other professionals and services. RBC also recently launched its online Small Business Navigator -- a streamlined, one-stop online hub for entrepreneurs to find relevant tips as they re-open and grow their business, find solutions to help simplify and digitize day-to-day operations, offers to save money, and resources to support employees. For practical resources, advice, and offers, visit RBC’s Small Business Navigator hub at www.rbc.com/smallbusinessnavigator
19
Saturday, October 10, 2020
TRANSFER-IN z BONUS UP TO
$1,500* OFFER ENDS NOV 15
MAKE YOUR MOVE: 1. Book your Smart Money Move appointment 2. Review your options with a G&F wealth expert 3. Move your money (or let us do it for you)
Anand Sharma
Raman Takhar
AVAILABLE BY PHONE
AVAILABLE BY PHONE
Financial Planner, CPA Main Street
604-549-5382
4. Get your bonus reward! 604-419-8888 • gffg.com/smart-money-move
Investment Specialist Nordel
604-549-5384
*Limited time offer, deadline Nov 15, 2020. Terms and conditions apply. New money only.
Make your next SMART MONEY MOVE
20
INDIA
Saturday, October 10, 2020
India’s GDP expected to shrink by 9.6 per cent this fiscal: World Bank he World Bank on Thursday said that India’s GDP is expected to contract by 9.6 per cent this fiscal which is reflective of the national lockdown and the income shock experienced by households and firms due to the COVID-19 pandemic, noting that the country’s economic situation is “much worse” than ever seen before.
The Washington-based global lender, in its latest South Asia Economic Focus report ahead of the annual meeting of the World Bank and International Monetary Fund, forecasts a sharper than expected economic slump across the region, with regional growth expected to contract by 7.7 per cent in 2020.
BJP worker escapes terror attack in Kashmir A terrorist and a cop were killed in an attack on a BJP worker in Jammu and Kashmir’s Ganderbal district on Tuesday evening when a terrorist opened fire on BJP activist Ghulam Qadir at Nunar Ganderbal leading to retaliatory fire by the personal security officer of the activist.
Local reports said the attack happened when Qadir was at his home in the evening. Kashmir police confirmed that a terrorist had been killed in the incident and one of the personal security officers of the activist succumbed to the injuries received during the shoot out.
Federal minister Ram Vilas Paswan dies at 74 The Lok Janshakti Party founder and Union minister Ram Vilas Paswan, one of the most prominent Dalit leaders Minister for Consumer Affairs, Food and of the country, died on Thursday at the Public Distribution was admitted to a age of 74, his son Chirag Paswan said. private hospital here for several weeks and had recently undergone a heart operation.
Fiji People around the country are worried about their jobs and putting food on the table – Rabuka Opposition and SODELPA Leader, Sitiveni Rabuka says people around the country are worried about their jobs and putting food on the table. Rabuka says people are worried about their future as there is no end in sight to the socio-economic impact of coronavirus. He says many people he spoke with during his visit to the Western Division are worried they won’t have jobs soon and will not be able to put food on the table come Christmas. However Rabuka says the pandemic
could be overcome with responsible leadership, cooperation, and never losing sight of each other and every individual life. He says it is now time to unite as a nation, to bring our people together to not only survive the challenge we face but to listen to each other and work together. Rabuka says it’s time to realise that only together, united and talking and listening to each other will we be able to cooperate in a bid to lift the nation and its people.
Daylight saving from Dec 20th this year to Jan 17th 2021 Daylight saving will be held from December 20th this year to January 17th 2021. People will have to wind their clocks one hour ahead at 2am on December 20th. Minister for Employment, Parveen Bala says they had never thought of stopping
daylight saving. He says it was just to decide on when it should start and end. Bala says it is a short period and they also considered the request from the Ministry of Education to ensure school is not disrupted in any way.
Saturday, October 10, 2020 Punjab farmers promise to continue protest Rejecting the Centre’s offer for talks, Punjab farmers have decided to intensify their agitation against the new farm laws over the next seven days. Thirty farmers’ unions, at a meeting today, asked the Punjab Government to hold a special Assembly session by October 15 to nullify the laws passed by the Centre failing which they would protest outside the houses of Congress leaders. The BKU (Lakhowal) has been barred from participating in the joint protest till it withdraws its plea against the contentious laws in the Supreme Court. Buta Singh Burjgill,
COVID-19: 29 more deaths, 930 new cases in Punjab Twenty-nine more fatalities due to coronavirus pushed the death toll to 3,741 while the infection count reached 1,21,716 with 930 new cases in Punjab on Thursday. Five deaths were reported from Faridkot, three each from Gurdaspur and Jalandhar, two each from Barnala, Ferozepur, Kapurthala, Ludhiana, Patiala and Rupnagar and one each from Amritsar, Fatehgarh Sahib, Fazilka, Mansa, Pathankot and Tarn Taran, a health department medical bulletin said. Among the places which reported new cases included Mohali (155), Jalandhar (122), Amritsar (100) and Ludhiana (89).
Inter-state gang busted by Punjab police Barnala police claimed to have busted an inter-state gang of vehicle lifters, who allegedly operated in 10 states. Four gang members have been arrested from Barmer in Rajasthan, who allegedly stole more than 100 vehicles from various parts of the country. While sharing the details, Barnala SSP Sandeep Goel informed that the arrested gang members include Subhas, Feroz Khan, Krishna Ram and Gaminda Ram. “Arrested gang members have been facing various FIRs in different states.
PUNJAB
21
22
Saturday, October 10, 2020
YES!
APR†
ON ALL NEW 2020 Mazdas 2020 Mazda 3
74
0 DOWN $
$
FINANCE FROM
WEEKLY
2020 Mazda
CX-3
0 DOWN $
$
FINANCE FROM
72 WEEKLY
WE’LLPAYOFFYOURTRADE-IN WE’LLPAYOFFY REGARDLESSOFWHATYOUOWE!^ 2021 Mazda
CX-5
90
0 DOWN $
$
FINANCE FROM
WEEKLY
27$26,125
PRICED FROM
UNLIMITED
www.langleymazda.com
19265 LANGLEY BYPASS, SURREY 604 534 0181
†Offer available until Sept 30, 2020 on new 2020 Mazda 3 DVXK60 CP00/2020 Mazda CX3 HVXK80 AA00/2021 CX-5 NVXL1 AA00/ 2021 Mazda CX30 ZVXK81 AA00 with interest rates of 1.99%/2.50%/ 2.75% for 72/84/84 months. 0% Financing applicable to all 2020 New & Demo models 36 months Mazda3/Mazda3 Sport/ MX5, 48 Months CX3/ CX30/ CX5/CX9, 60 months Mazda6. All rebates, lease bonuses and current incentive applied. Prices/Payments do not include license, insurance or taxes but do include environmental taxes, freight & PDI. Pay off trade & lease termination negative equity to be applied to new purchase. All finance offers to qualified buyers. Rebates and rates subject to change without notice. Visit mazda.ca or see your dealer for complete details.
23
Saturday, October 10, 2020
THE HYBRID LINEUP FROM HONDA: Performance, Innovation and Value.
INSIGHT HYBRID
2020 INSIGHT TOURING
30,160 0.99
SELLING PRICE FROM
LEASE FROM
$
%
Standard features include:
#
e
UP TO 24 MONTHS
Electric-Continuously Variable Transmission
Eligible for
Honda Sensing™ Apple CarPlay™ & Android Auto™ Safety Technologies
+
6,500 in combined
$
ECON Mode & Eco Assist™
government rebates
PLUG-IN HYBRID EV
2020 CLARITY TOURING
CLARITY 2.99% PLUG-IN HYBRID PLUS LEASE FROM
#
UP TO 24 MONTHS
2020 ACCORD HYBRID TOURING
ACCORD 2.99% HYBRID LEASE FROM
#
UP TO 24 MONTHS
For exclusive deals, follow:
15291 Fraser Highway, Surrey
https://www.facebook.com/surreyhonda GET YOURS www.twitter.com/HondaSurrey 604-583-7421 BEFORE THEY GO. dealer URLwww.surreyhonda.com FPO
#Limited time lease offer is from Honda Canada Finance Inc. (HCFI), on approved credit. Lease example: New 2020 Insight Hybrid Touring (ZE4F7LKN)/2020 Accord Hybrid CVT (CV3F7LEX)/New 2020 Clarity Plug-in Hybrid Touring (ZC5F3LG) for a 24-month period/24-month period/24-month period, for a total of 104/104/104 weekly payments of $157/$169/$261, leased at 0.99%/2.99%/2.99% APR. 20,000-kilometre annual allowance (12 cents/km excess charge). Total lease obligation is $16,346/$17,598/38,036. Lease payments include freight and PDI of $1,670/$1,670/$1,670 and applicable fees, but do not include lien registration fee (up to $85 in certain regions) and lien registering agent fee (up to $6), which are due at time of delivery. No down-payment required. Taxes, insurance, license, and registration fees (all of which may vary by region) are extra. Offer ends October 31, 2020 and is subject to change or cancellation without notice. +$6,500 credit based on Clarity Plug-in Hybrid Touring federal zero-emissions rebate of $5,000 and BCCEV provincial rebate of $1,500. Your amount may be lower if you have selected a shorter-term lease. Dealer may sell/lease for less. Limited quantity of 2020 models available, dealer trade may be necessary. Offer available only at participating Honda dealers in BC/Yukon. Models may not be equipped as shown and are for illustration purposes only. Visit Honda.ca or your Honda dealer for details. Visit Hondacanada.ca to learn more about Made-in-Canada.
24
Saturday, October 10, 2020