Archive | February, 2013

Kalista Zackhariyas Announces National Launch of The Youth Code

Posted on 28 February 2013 by admin

The Youth Code Founder, Actor and Filmmaker, Kalista Zackhariyas, announces The Youth Code national launch and inaugural fundraiser show on March 16th, 2013 at One King West, 1 King West, Toronto, ON. This is the first annual show and fundraiser for this organization. Their aim is to build community awareness and raise the vital funds necessary to implement their initiatives.

The Youth Code’s focus is dedicated to creating new initiatives and supporting existing programs, which inspire and nurture children recovering from abuse through art and movement therapy based activities. Inspired by Zackhariyas’ personal journey with childhood abuse and homelessness, this organization is the first of its kind.

The Youth Code has recently partnered with the Peel Children’s Aid Foundation and Women’s Habitat to test and implement their pilot programs. Driven by their own unique focus, The Youth Code is already developing the infrastructure needed to expand their efforts across Canada.

The Youth Code aims to offer children in recovery the chance to participate in arts and recreational programs such as music, drama, visual arts, dance, martial arts, and sports. As studies show, many children resist a verbal approach to therapy. “Both art and physical therapy are well-documented and important methods in addressing the emotional pain of young survivors of violence,” Zackhariyas says. “These programs go far beyond recreational activities. They are highly effective as emotional and physical outlets and aid in the treatment of trauma disorders for at-risk child survivors of abuse.” Based on over three decades of research, findings show these methods can drastically reduce long-term behavioral and emotional consequences that can lead into adulthood.

The Youth Code believes that every child deserves to dream and enjoy a life that is beyond just surviving. Their dedication to making this happen has made it their code. You can help. Please join them for an inspirational evening and make it your code.

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Sartorial Word: Fashion’s black swan goes colourful

Posted on 28 February 2013 by admin

KARACHI: I was curious to see how Fahad Hussayn would fare in the pretty, pretty world of lawn design. After all, ‘pretty’ has never been Fahad’s signature style. Give him the macabre and the theatrical, a gothic Raakh Raat, a luxurious Laaj Nagar or a grandiose ode to Alexander McQueen and he’d set a fashion week runway ablaze. I wondered how his aesthetics would fit into the conventional, decorative, unstitched three-piece restrictions of lawn. To give him credit, Fahad has pulled out all the stops in the promotion of his debut, aptly titled the Fahad Hussayn Print Museum. For one, he has teamed up with textile giant Ittehad which basically ensured exhibitions and distribution across the country, billboards galore and a glamorous Priyanka Chopra as his brand ambassador. Priyanka, as Bollywood’s hottest actors at the moment, must have cost an arm and a leg but these are mere expenditures for a company like Ittehad, of course. Besides, it makes sense to invest in an Indian actor since Ittehad plans to export a major part of their collection abroad, to places like the Middle East, UK, USA and India, where Priyanka is far more recognisable than any of our local models. Add in Frieha Altaf for the brand’s launch here in Karachi and you’ve got an event that is sure to make waves and be splattered all over the social pages. Frieha may be organiser to all sorts of events but fashion’s always been the game that she plays best. As an ode to Fahad’s penchant for black and white, Frieha had a chequered podium in the two colours set up in the centre of the venue. Mannequins stood on the podium, dressed in ornate lawns, nets and an array of gorgeous, digitally-printed silks. The focal point of the event, though, was the entrance, that opened up on to the catwalk. A number of celebrities, from cricketer Waseem Akram to stylists Peng Qureshi and Rukaiya Adamjee, ex-model and fellow lawn entrepreneur Vaneeza Ahmed, models Ayaan and Hira Tareen, among others, walked into the hall to find that they were walking a ramp. The women had all come wearing stitched versions of the prints that they had been given.

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Jacqueline Fernandez turns item girl for Ramaiya Vastavaiya

Posted on 28 February 2013 by admin

MUMBAI – Jacqueline Fernandez whose year 2013 has begun with a positive note after Race 2 collected 100 crores has landed a lucrative offer. Buzz has it that Jacque- line will be seen shaking a leg with Kumar Taurani’s son Girish Taurani in his debut film Ramaiya Vastavaiya. The film which is to be directed by Prabhu Deva whose last venture Rowdy Rathore was a runaway hit, has Shruti Haasan playing the female lead. According to sources, producer Kumar Taurani is making sure he leaves no stone unturned to launch his son and make it a successful one. Considering that another Bollywood producer, Vashu Bhagnani has acquired rights of the famous song Gangnam Style for his son Jacky Bhagnani’s film Rangrezz, Taurani decided to get the sensuous Jackky for Girish.

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‘Racism still exists here … at workplace and on school playgrounds’

Posted on 20 February 2013 by admin

“Visible minorities and faith-based communities with distinctive dress still experience racial harassment more often than others. National and provincial human rights commissions are there to give justice to minority groups but the question is: are they strong enough to help those who have suffered racial discrimination in the workplace?”

DIVYA KAELEY

Madhu Verma is one of the leading social activists from among the immigrant communities. She hails from India and came over to Canada in 1962 as a bride. In almost five decades of her stay in her new homeland, she has been tirelessly working for the rights of the immigrants from all over the world.

She is founding Chair of the Asian Heritage Society of New Brunswick (AHSNB) and vice president of the National Indo-Canadian Council (NICC). Madhu has been honored by the Canadian government and the public organizations multiple times; she is the proud recipient of Canadian Governor General’s 125th Anniversary Commemorative Award, Queen’s Jubilee Medal, and National citation for Citizen Award and Lifetime Achievement Award for both theMCAF and the NBMC. In a conversation with Generation Next, she talks about her journey in social activism in Canada.

1. What motivated you to take up the cause of new immigrants New Brunswick?

 My motivation has stemmed from my life experience, becoming a child refugee after the India-Pakistan partition in 1947. I was born in Pakistan in a Hindu family, and we were displaced because of our faith. In India I faced discrimination because of my ethnicity.

 In 1963, my husband and I moved to Fredericton from Ottawa when he was offered a job in the UNB Physics Department. Fredericton was a very small university town at that time, and there were only a couple of Indo-Canadian families in New Brunswick, teaching at UNB. Strangers on the street would ask me, “Why did you come to Canada?” They would say, “This is a cold country and it is not suitable for you. You should go back.” There were also about a dozen South Asian graduate students in the Science faculty, and when I arrived in Fredericton I immediately got involved with the international students and their social activities.

In those days, often visible minority students had difficulty finding accommodations. Living with such overt discrimination was not an easy task. One had to either accept it, or stand up and get involved.

 2. Tell us something about your struggle period.

 It was indeed an enormous challenge to fight the hostility and indifference of the local population, especially for me, as my language skills were poor at that time. There were no language training programs in place to help me to learn to communicate better in English. There was no family or community support to get settled in a new country. Being a visible minority woman made it more difficult to get a position on the NGO’s boards – yes, they allowed me to participate in discussion sessions, but being able to chair a committee was a struggle. A few times, some members of NGOs asked me, “What do you know about the Canadian system and Canadian issues?” At the same time, I was fortunate to work with some like-minded people who supported me and encouraged me to speak and organize events. I worked with the late NB Premier Richard Hatfield in the 1970s and 80s. Later I served on the Liberal Advisory Committee and worked with Premier Frank McKenna. I have worked with Minister Mike McKee and several other federal and provincial ministers over the last 50 years. They openly engaged in discussions of issues and policies concerning immigrants and refugees.

 3. You have reportedly said in a magazine: “This racial disdain was so intense that my husband and I were unable to buy land and build a house.” – In your opinion, does it still exist?

 Yes, the situation has gotten better. The 1960s and 70s were a bad time in New Brunswick because the local population was not used to living with diverse communities. The perception was that new immigrants were taking their jobs. Some people did not feel comfortable around people with a different culture, faith or skin colour. There was a reactionary response – fear of the unknown, a lack of understanding and education that caused racially motivated attacks in some areas.

 Now, most Canadians feel that Canada needs more immigrants to support social and educational programs and build the economy of the country. That has changed people’s attitude towards immigrants. Now, we have laws to protect against racial harassment. Anti-racism education is also helping. The number of active and organized racist groups has decreased. But racism is still in the workplace, on school playgrounds and in the employment area. Visible minorities and faith-based communities with distinctive dress still experience racial harassment more often than others. National and provincial human rights commissions are there to give justice to minority groups but the question is, are they strong enough to help those who have suffered racial discrimination in the workplace? Cases like Dr. Chander Grover and Dr. Chopra show us that there is still a lot of work to be done.

 4. What advice would you like to give to new immigrants who face roadblocks in settling down here?

 Be proud of yourself and your culture. Stand tall and stay strong. Keep in mind that it takes time to get settled in a new place but there are many opportunities, so look for those. Make an effort to adapt to the host society. Language skills are the key to success here – join newcomer settlement programs to improve on those. Get involved in local activities, and volunteer in things which interest you. Try to make friends outside of your cultural group and share stories. Collect every information package available for new immigrants. No job is a small job, so accept anything when you get the chance.

 5. What are some of the issues that the new immigrants should keep in mind while in Canada?

 Be a good citizen. Work hard, and if there’s anything you don’t understand then ask people for help. Try to integrate into the host society. Encourage children to take part in after-school activities, where they will make new friends. Learn about Canadian human rights and learn about your rights and responsibilities and respect equality under Canadian law. Participate in public consultations and express your views to local decision-making bodies. Recognize women’s rights within your culture and encourage women to integrate. Interaction with the host society is very important.

 6. How was the Multicultural Association in Fredericton founded?

 During 1960-70, Canadian immigration policy changed. The Canadian government opened the door to immigrants from non-traditional countries to fill labour needs. The number of new immigrants increased in New Brunswick and so did the need to form organizations to serve them.

 The Association of Indo-Canadians of Fredericton was formed in 1973. At the same time, our late Prime Minister Pierre Trudeau announced that Canada would have a policy of multiculturalism. I was fortunate to be part of a visionary team of citizens who participated in discussions on the Multiculturalism Act. In 1974 the Association of Indo-Canadians took the lead to organize the first Multicultural Regional Conference in Fredericton, which was funded by the federal government. Italians, Dutch, Germans, French, other Europeans, and South Asian immigrants participated in the conference. It was at this conference that the Multicultural Association of Fredericton was borne.

 8. Do you visit India often?

 We visit India often to meet with family and friends. I try to visit women’s organizations and schools in villages to talk to girls and women and encourage them to get a good education and fight for their rights.

9. Your vision for future.

 Canada is one of the best countries in the world to live. We should help those who are less fortunate than us in and outside of Canada, and create an atmosphere where all human beings are respected and loved. Human rights, intercultural education, learning the early history of our country and the contributions of all immigrants who built our nation should be part of the curriculum. It is the best practice to adopt diversity training in the workplace, and opportunities to express views on anti-racism education and to local decision-making bodies should be made available to everyone.

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Andrew Bennett to lead Tories’ Office of Religious Freedom

Posted on 20 February 2013 by admin

Prime Minister Stephen Harper has announced his government’s long-awaited Office of Religious Freedom

Prime Minister Stephen Harper has announced his government’s long-awaited Office of Religious Freedom.

Andrew Bennett — a public servant and academic who has worked for the Privy Council Office — has been named ambassador to the office.

Speaking at a mosque and community centre north of Toronto today, Harper said violations of religious freedom are widespread and increasing around the world.

He said in the face of these injustices and atrocities, Canada will not be silent.

The announcement comes 22 months after the Conservatives first promised to create a religious freedom branch within the Department of Foreign Affairs.

Human rights groups and opposition politicians have complained the office is a misguided attempt to inject religion into foreign policy.

They also question what the new office can accomplish with a $5-million budget.

The Conservatives promised the office in their campaign platform during the last federal election, but apparently had been unable to find a commissioner to take the job.

The assassination of Shahbaz Bhatti has been cited as a key influencer for the decision to create the office. Bhatti was Pakistan’s minister of minority affairs, and had met with Immigration Minister Jason Kenney, a devout Catholic, just weeks before he was killed.

He had hoped Ottawa could push his Pakistani government to provide more protections for religious minorities.

Bhatti was the only Christian minister in the Pakistani government, and was shot eight times by Islamist militants as he left his home for a cabinet meeting in Islamabad.

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Second Career, Is it for You?

Posted on 20 February 2013 by admin

Who doesn’t fantasize about a second career? Especially if you’ve worked in the same field for 20 or 25 years, been there and done that, accomplished most of what you set out to do, and run out of fresh challenges. Maybe you feel you have talents that are going to waste. Or there’s something you’ve always wanted to do that’s calling louder and louder. Or like millions of others, you’re simply worn down by the corporate routine. There must be something out there that’s more rewarding, right?

Probably so. But after 40, it can be daunting to start a second act. The mere thought of going back to school, learning new skills, or starting over at the bottom of the ladder stops many people from trying something new.

Here are some steps to help plan your transition:

Assess your likes and dislikes. Maybe you already know that you want to open an Italian restaurant or help run a nonprofit that serves children suffering from AIDS. But if you’re not sure what you want to do, don’t despair: Many people know they need a fresh start, yet they grapple with just what it is they’re looking for in their work and life.

If you’re not sure, step back and take stock. Make an honest assessment of your skills and interests. Much of what you already know is transferable to your next adventure, but it will take some digging to see what truly suits you and your background.

The key is to match your job or career to your interests and personality. To help get you started, brainstorm ideas for career alternatives with friends and family. Check out self-assessment quizzes at Careerpath.com and Monster.com’s career advice section.

Research. Identify career fields where there’s opportunity for growth. Careerbuilder.com is a great place to start. Read as much as you can about the businesses that appeal to you. Consider volunteering or moonlighting to get a sense of whether working as a chef, for instance, is as romantic as you imagine. (Maybe—if you’re willing to work evenings and nearly every weekend.)

Finding the best job for you is a highly personal endeavor, but it helps to look in fields where there’s healthy job growth. Given the housing downturn and economic uncertainty, for instance, it may be a lousy time to try out a career in real estate or retail. But fields like healthcare, education, and technical consulting services are growing rapidly, with new niches and specialties popping up all the time.

Network. Get in touch with people you know in jobs that intrigue and inspire you. They can help you find leads when you’re ready to get your foot in the door, but more important, they can give you a real sense of what the work is like on a day-to-day basis. What are the challenges and rewards? How about pay, hours, and the work climate? What training or additional education will you need? Use these as relaxed, informational interviews to get a sense of what the work entails and what opportunities might be out there for someone with your background.

Upgrade your skills and education. In fields with a scarcity of workers, such as elder care and teaching, there are sometimes streamlined training programs that let you bypass a lengthier indoctrination. Chances are, though, you’ll need to bone up on new skills and maybe even earn another degree. If possible, take required courses before you quit your current job. Professional programs, grad schools, and community colleges offer evening and weekend classes that you can fit into your existing schedule without having to make a radical move. Your current employer might foot the bill, but make sure you check the fine print; you might have to repay tuition expenses if you leave your job within a certain time frame.

Evaluate your finances. Change comes at a cost. It might mean a pay cut to pursue work in a more altruistic field, a tuition bill for more schooling, or a temporary loss of medical and retirement benefits. To make it work, you’ll need to rethink your financial life, from everyday expenses to retirement.

If you’re going to be living on less, you might need to trim expenses and jump-start your savings.

http://money.usnews.com/money/careers/articles/2007/12/04/5-steps-to-starting-a-second-career?page=2

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Minister Valcourt Proud of Attracting Best International Students to Canada

Posted on 20 February 2013 by admin

February 12, 2013 - The Honourable Bernard Valcourt, Associate Minister of National Defence and Minister of State (Atlantic Canada Opportunities Agency) (La Francophonie), meets on Parliament Hill in Ottawa with a group of 25 university students from Latin America and the Caribbean. During the meeting, Minister Valcourt highlighted the importance of international education and the role of Canada’s French-language universities in the global economy.

“Our government is committed to continuing to attract the best students to Canada,” said Minister Valcourt. “Their presence in the country creates jobs and stimulates economic growth, as well as strengthening our people-to-people ties with other countries.”

The students are pursuing graduate studies in Canada in areas related to good governance, democracy and civil society.

The students have come to Canada on scholarships though the Emerging Leaders in the Americas Program. Since 2009, over 2,000 students from Latin America and the Caribbean have received scholarships from Foreign Affairs and International Trade Canada.

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Recognition of newcomers’ foreign credentials and work experience

Posted on 20 February 2013 by admin

Education and work experience are among the valuable assets new immigrants bring to Canada. Almost one in five newcomers are skilled-worker principal applicants selected for their labour market attributes. While the majority of immigrants are not directly selected through the points system, many also possess skills that are potentially valuable to Canadian society and its economy.

In 2008, close to 45% of newcomers held a university degree, more than double the proportion 14 years earlier.1 Among those who were admitted as principal applicants in the skilled workers category, 72% held a university degree, as did 41% of newcomers in the ‘spouse and dependents, skilled worker’ category, and 33% of family class immigrants. Fourteen years earlier, the corresponding figures were 39%, 21%, and 12% respectively (Citizenship and Immigration Canada 2004 and 2009).

Yet newcomers face barriers that may impede the recognition of their credentials and work experience, with consequences for their labour market performance and broader integration within Canadian society. Potential factors include the content of foreign education being deemed less relevant to the needs of the Canadian labour market than the country where the education was completed, linguistic ability in English or French, and the entry procedures in some trades and professions. Unfamiliarity with foreign degrees among employers may also play a role. Others have suggested that the decentralized accreditation system seems to be a hurdle, with numerous trade and professional bodies being involved, and provinces having their own standards for evaluating degrees and setting certification norms for trades and professions

Newcomers experience a higher rate of unemployment than established immigrants and native Canadians. Their earnings lag behind those of other groups. Finding employment is frequently challenging. Education-to-job mismatch is particularly prevalent among recent immigrants with university education. In 2008, two-thirds of such newcomers were working in occupations that usually required at most a college education or apprenticeship, compared to 55% of established immigrants and 40% of native Canadians. Also, a recent analysis of 2006 Census data shows that just under one-quarter (24%) of employed foreign-educated, university-level immigrants were working in a regulated occupation that matched their field of study, compared to 62% of their Canadian-born counterparts. And among immigrants whose occupation did not match their field of study, 77% worked in jobs that do not usually require a degree, compared to 57% of ‘unmatched’ Canadian-born graduates.

Non-recognition of foreign credentials and work experience by employers and regulatory professional and trade bodies can lead to an underutilization of the ‘human capital’ of many immigrants who were selected for their skills, work experience and other socio demographic characteristics.

This study uses the 2000 to 2005 Longitudinal Survey of Immigrants to Canada (LSIC) to shed light on the issue of foreign credentials and work experience recognition from the perspective of immigrants, as the survey data are based on immigrants’ responses to interview questions. The period covered by the survey precedes the labour market downturn that began in the fall of 2008. Although recent immigrants were disproportionately affected by the downturn, this study focuses on hypotheses relating to the recognition of credentials that should not be sensitive to the business cycle. This information may be of particular interest to those developing proposals for the federal, provincial and territorial Foreign Credentials Recognition investment program announced in November 2009.

The LSIC was unique in scope and depth. Following a cohort of new immigrants during their first four years of settlement in Canada, the survey captured both the pre-immigration and post-immigration trajectories of these immigrants by providing information on their occupation prior to landing, intended occupation, credentials received prior to landing and plans for credentials assessment, as well as their actual occupation in Canada, the education obtained or training taken after landing, and their labour-market outcomes such as earnings, participation, employment and unemployment.

The same cohort of newcomers (a total of 7,716) was interviewed three times over four years: six months after landing, then two years and four years thereafter. Each time, these newcomers were asked about various aspects of their settlement in the country, including their employment situation and whether their credentials and work experience were accepted in Canada.

This study looks at one specific aspect of newcomers’ settlement: recognition of their foreign credentials and work experience.

The assessment of credential recognition and work experience encompasses a number of questions. How does the recognition rate of foreign credentials compare with that of foreign work experience? Are female immigrants more likely than their male counterparts to encounter difficulties obtaining recognition for their degrees and work experience? Does the likelihood of foreign credential recognition vary depending on whether the immigrant is part of a visible minority? How do newcomers with pre-arranged employment or previous knowledge of Canadian society fare in getting their credentials and experience recognized? Does the likelihood of recognition differ depending on the location of study or work (the country where the degree was earned or work experience acquired)? Finally, how do immigrants selected specifically for their skills and education (skilled immigrants) fare compared to other immigrants?

Source: http://www.statcan.gc.ca/pub/75-001-x/2010109/article/11342-eng.htm

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RRSP or TFSA: Which One is Right for You?

Posted on 20 February 2013 by admin

February 29th is the final day to make a contribution to your Registered Retirement Savings Plan (RRSP). Like most Canadians you probably scramble at the last minute to find some extra cash, or even consider taking out an RRSP loan. You probably don’t even give much consideration to your overall investment plan – other than the nice tax refund! But do you really need to contribute to Your RRSP? Would the TFSA be a better option? Let’s look at the pros and cons of each plan before you rush to your bank for a RRSP Loan.

 Not only can you contribute to your RRSP, but you can also take advantage of the Tax Free Savings Account (TFSA) introduced by the government in 2009. Many Canadians are still unfamiliar with the TFSA and how it works, continuing to contribute to their RRSP. Both plans shelter your income tax-free, both plans have benefits, and both the TFSA and RRSP work in different ways. The biggest difference is the treatment of taxes in each plan. Let’s look at the basics!

 The RRSP

The RRSP (Registered Retirement Savings Plan) is what most Canadians are familiar with. This is a powerful investment and savings tool, which provides tax-free compounding growth, in addition to lowering your taxes. When you contribute to your RRSP, the contribution is deducted from your income. For most people this usually results in a tax refund. The higher your income the higher your refund! Sounds like a winning plan, doesn’t it?

However, a RRSP contribution is nothing more than a tax-deferral plan and this is the way you really need to view it. The string attached most people forget, is that you get taxed when you make withdrawals from your RRSP. That’s because RRSP withdrawals become taxable income. So the tax man cometh back for the refund he gave you! There’s no way around this – it’s about as absolute as gravity.

 RRSP withdrawals become taxable income.

Think of the tax refund from your RRSP contribution, as a loan from the government that you have to pay back. So when you make contributions to your RRSP think for the long term. Where will you be when you retire – will your income be higher or lower? Does an RRSP contribution really help you lower your taxes? Can you use the refund for investing or to help pay down your mortgage or consumer debts?

Here are the RRSP basics:

  • A RRSP is not an investment. It is a registered plan for sheltering taxable income.
  • A RRSP is not just for savings, you can hold mutual funds, stocks, or bonds in a RRSP.
  • You can contribute a higher amount to an RRSP than a TFSA (see your tax assessment).
  • You can carry forward any unused contributions.
  • You get a tax deduction for contributing. For most Canadians this results in a tax refund.
  • You pay taxes when you withdraw money from an RRSP.
  • You cannot use your RRSP investments as collateral for a loan.
  • You cannot write off the interest for an RRSP loan.
  • You cannot hold your RRSP after age 71. It must be converted into a RRIF, an Annuity, or even worse withdrawn and declared as taxable income. That’s a bad thing!

 The TFSA

Many people haven’t utilized the full benefit of the TFSA (Tax Free Savings Account), which in many ways is a much better deal than the RRSP. The bottom line is, when you contribute to a TFSA you do not get a tax-deduction or a refund. But you can withdraw money from the TFSA tax free! This makes the TFSA an ideal investment plan to save for retirement. You can save tax-free, withdraw tax-free, and reduce the amount of taxes you pay at retirement. It won’t affect your government benefits in retirement, which income from your RRSP can. The only catch is that you are limited to $5K per year, and any withdrawals reduce your current annual contribution room. However you can contribute that amount back in the following year.

Here are the basics:

  • The TFSA is not an investment. It is a registered plan for sheltering taxable income.
  • A TFSA is not just for savings, you can hold mutual funds, stocks, or bonds in a TFSA.
  • For 2012 your maximum contribution room is $20,000 (4 years x $5000 per year)
  • You can carry forward any unused contributions.
  • You do NOT get a tax deduction for contributing.
  • You do NOT pay taxes when you withdraw money from a TFSA.
  • You can use your TFSA investments as collateral for a loan or line of credit.
  • You cannot write off the interest for a TFSA loan.
  • There are NO age restrictions on the plan – you can hold it until your 99 (or 103 if you want)

 Which One is Right for you?

 For some Canadians the $5K per year limit on the TFSA is a drop in the bucket, and for most Canadians finding an extra 5K per year is virtually If you find yourself under the 50K to 60K salary mark, and have to choose one or the other, consider the TFSA over the RRSP. You won’t get that nice refund every year. But when you withdraw money from your TFSA, you won’t be paying any taxes either. You won’t owe the government anything! How sweet is that?

  Maximize The TFSA, and Forget The RRSP.

If you’re a higher income earner, you will benefit from RRSP contributions because the refund amount will be higher, as you are in a higher tax bracket. That leaves you two options. First, you can maximize your RRSP contributions and get the largest refund possible. That refund then can be reinvested again into the RRSP, a TFSA, or even used to pay down the mortgage.

 The second option is to optimize your RRSP. This means you only contribute to your RRSP what is necessary to reduce any taxes payable. You then maximize your TFSA contributions. Anything left over then goes into your RRSP.

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Organ & Tissue Donation Facts

Posted on 20 February 2013 by admin

  • One donor can save up to eight lives through organ donation and enhance the lives of up to 75 others through tissue donation. Every three days someone dies in Ontario waiting for a life-saving transplant. There is a chronic shortage of organs and tissue in Ontario and the need for organs and tissue continues to outweigh their availability. More than 1,600 Ontarians are waiting for a life-saving organ transplant and thousands more are waiting for a tissue transplant.
  • Everyone is a potential organ and tissue donor, regardless of their age. To date, the oldest Canadian organ donor was over 90 years of age while the oldest tissue donor was 102 years old.
  • Ultimately the ability to become an organ and tissue donor depends on several factors including the health of the organs and tissue at the time of death.
  • Recovery of organs and tissue is carried out with respect and dignity. It does not interfere with funeral practices and no one will know about your gift of life unless your family tells them.
  • Organs and tissue that can be donated after death include the heart, liver, kidneys, pancreas, lungs, small bowel, stomach, corneas, heart valves, bone and skin.

Studies show that donating the organs and tissue of a loved one who has died can provide immediate comfort and long-lasting consolation to family members in their grieving.

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