Archive | July, 2015

Master – D: Fusing Desi style with urban music

Posted on 29 July 2015 by admin


Master-D (real name Subir Dev) is a Canadian Bengali musician who is out in the world lending hand to promote Bangla music.

Generation Next interviewed this young man for our readers:

 Please tell us a bit about you academic/family background?

I studied at Trebas Institute in Sound Engineering but I really got all my experience hands on. That’s really where I got all the knowledge from and continuing to work on exploring music. I used to even do sound and lighting stage setups that now I use as experience on the road when the “so-called” sound engineer is behind the board.

Why be a producer/singer?

I guess I can say it runs in my veins. I come from an environment where music and Arts were part of life. Under the guidance of my mother I learnt to sing and play the harmonium first. After immigrating to Canada my music sense got sparked as I was surrounded by so many varieties of music and musicians. With all that available to me I then got interested to create my own compositions by fusing Desi style with urban music. At first I was not sure of myself but as I kept composing, I just kept getting better and better. Having accomplished 3 successful albums, winning many awards and touring the world with The Bilz and Kashif there’s no better feeling than that. Now I’m on a journey to revolutionize the Bangla Music industry.

What is it for you? American music or Indian music?

I can’t really choose one or the other as they are very distinct and have their own style. Both styles have made who I am today as I love combining them together. I had 10 years of Hindustani classical training on Tabla under the guidance of my Guru Dr. Narendre Verma. This is an instrument that allows you to develop a vast style of rhythmic techniques which I find makes me explore new ways of thinking about music.

Why do you think many modern songs & music videos are not like evergreen songs & music videos of the past?

It is very unfortunate how music these days are like fast food. Reality is also major labels just don’t invest in talent anymore and always look at just making a return on investment.

An artist in the past would make an album every 2-3 years. Now you have to release one every year and few extra singles almost every 2 months to keep up with the pace so artists themselves don’t spend time making music or even experimenting.

We’ve always just focused on quality above anything. Artists like Bruno Mars is the essence of true music for today’s generation and is one of my favorites.

Do you believe art is for entertainment or for social awareness? One can argue that with so much disturbance in life, people would like to enjoy art for relaxation purpose only.

I think that’s a great point. I believe it’s both but as an artist you have to also move the next generation to be aware of situations. For example ‘One Voice’ by The Bilz & Kashif sparked a major understanding within our community and is still a favorite amongst our fans.

What’s your family’s reaction to your profession choice?

I actually had to fight for my passion with my parents. It was tough but I have learnt that you should always follow your dream as in the end of the day we all look for happiness and making music enlightens me everyday. Today my new challenge is to change the way Bangla Music is heard.

  Is it a profession where you can make money? 

Yes you can but it’s much tougher. 15 years ago you could live off from a single and a full album without touring. Most of the money now comes touring and expanding your brand outside into movies and merchandising.

Do good looks matter? Do they get you into the door?

Most humans will always judge the book by its cover until you prove yourself.

How do you keep yourself fit?

A good balance is key to success and health in my opinion. I’m not going to lie, there are days that I give in but I’ll make sure I take care of it right away.

How much time do you spend on social media?

As much as I can lol. It’s a lot especially when you need to focus on making music for my new Bangla Urban project .. but please don’t message me to make you famous! It took me years of hard work to even scrape this surface!

What kind of pressures do you feel as a professional?

It’s really tough to continuously keep making hits after hits. So there’s always that pressure. Not to mention, being creative when it comes to visuals and setting the bar for the Bangla Music Industry. In the end, its my fans that keep fueling me.

How much pressure do you feel to maintain a certain figure and looks?

I try working out every day, laugh a lot and keep my skin moisturized. Ha! But honestly, I think music keeps me young maybe it’s a form of mediation!

What and who do you turn to when depressed?

Family is the best cure when it comes to that. I also like to watch a lot of comedies online when I’m stressed it really helps you should all try it too.

Where do you see yourself in ten years?

I see myself as successful artist/producer with 3 bangla albums. Possibility getting my foot inside Bollywood and Bangla movies along with winning few awards. I want to represent desis worldwide, and especially take Bangla music to international heights. I might also dabble into producing and writing my own Film.

What would you like to change in the world? 

 I’d like people to live more in peace and stop fighting about issues that date to ancient history. Live together in harmony and enjoy life as it comes.

Your favourite male artist

Micheal Jackson and Bruno Mars

 Your favourite female artist

Sarah McLachlan

 What was it like working with Bohemia on your new single/video?

 This is the first time that Bangla got fused with Punjabi. I am a very strong believer on mixing cultures together. When I had completed “Tension Stress” I wanted to add that language mix and the first person who came to my mind was Bohemia. Bohemia had always respect for the music production I was doing. He is a pioneer of Punjabi Rap in the same way I am pioneering Bangla urban. Adding the two elements together made this song a masterpiece. So far the support has been amazing from fans all across the world.

 Will we ever see a The Bilz & Kashif reunion? 

We’re always working on things together even if we’re on a solo path. Vicious is handling all the business for both me and Kashif so at the end of the day its family. I can only say that all rivers run to the sea. So eventually ……keep an ear out.

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More Canadian children need immunization: Editorial

Posted on 29 July 2015 by admin

Good — but not good enough. That’s the upshot of the largest survey ever commissioned into children’s vaccination status by the Public Health Agency of Canada.

While a relatively high number of kids have been immunized, overall rates remain “sub-optimal.” As long as that’s the case, a distressing percentage of children across this country remain at risk of serious illness. The threat is all the more troubling because it’s so readily avoided through timely vaccination.

Using data on about 24,000 kids of various ages, the 2013 Childhood National Immunization Coverage Survey released last week found that two-year-olds weren’t being vaccinated at a rate sufficient to provide “herd immunity.”

This level of protection occurs when so large a proportion of a population has been rendered immune to a bacteria or virus that there’s no practical route for infection to spread, even to the small percentage that remains vulnerable.

Herd immunity is what protects people for whom vaccine isn’t an option, including patients with cancer, impaired immune systems, or other vulnerabilities. A 90-per-cent immunization rate generally provides society with sufficient coverage, although a 95-per-cent uptake is required for herd immunity against measles, an extremely contagious menace.

Canada tends to fall well short of such targets. The survey found 91 per cent of toddlers were inoculated against polio. But only 73 per cent were protected against chicken pox. And just 89 per cent were shielded from measles.

Given what’s at stake — quite literally, the well-being of our children — Canadians can and should do better.

Doctors, midwives and other health professionals could do more to promote vaccination and dispel parents’ misunderstandings. Provinces could run more immunization clinics when children start school. And officials could tighten provisions which allow parents to opt out of vaccination and still have their kids attend class. One possible way to tighten exemptions would be to require proof of religious affiliation.

Possible complications from measles alone include pneumonia, hearing loss, brain damage and even death. There’s simply no good excuse to leave children at risk of such tragedies when a solution, provided through vaccination, is so obvious and near at hand.

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Mulcair leads election poll on economy

Posted on 29 July 2015 by admin

Mr. Mulcair

With Canada mired in an economic slowdown, new survey data suggest voters see Opposition Leader Thomas Mulcair and the New Democratic Party as the best choice to improve the country’s prospects.

A Globe and Mail/Nanos Research poll asked 1,000 Canadians last week how the election of each of the three main party leaders would affect the economy. And 47 per cent said a Mulcair victory would have a “positive” or “somewhat positive” impact. That was well ahead of Conservative Prime Minister Stephen Harper’s 31.7-per-cent positive result. Liberal Leader Justin Trudeau garnered 41.4 per cent.

Respondents were also asked what election result would have “the most positive impact on the Canadian economy.” While a Harper-led Conservative majority ranked highest, at 24.1 per cent, a Mulcair majority came in at 20.6 per cent, compared with 13.5 per cent for a majority Liberal government led by Mr. Trudeau.

The poll is a potential blow to Mr. Harper’s self-styled reputation as the best steward of the economy, a central part of his message since coming to office in 2006. “If you’re a Conservative strategist you have to look at a number like that and be a bit concerned,” said Nanos Research president Nik Nanos. “The biggest takeaway is the NDP is not seen as a bogeyman in terms of their impact on the Canadian economy.”

Former Conservative pollster Dave Crapper called the results “groundbreaking,” suggesting voters who appear to be warming to Mr. Mulcair and the NDP are ready “to give them credit” for being able to manage the economy – a reputation that has long eluded the party.

While the economy is expected to be a key issue in the fall election, strategists across the political spectrum said it’s premature to read too much into one poll. “Campaigns matter,” Mr. Crapper said. “And Harper is an excellent campaigner.”

Most suggested that Mr. Mulcair has benefited from the NDP victory in the Alberta election in May that ended 44 years of Progressive Conservative rule. Some also said the federal Conservatives, which have focused their efforts on hammering Mr. Trudeau, have yet to turn their firepower on Mr. Mulcair and the NDP. “Is Mulcair looking better having nobody taking a critical look at him?” one Conservative strategist said. “I’m sure that is helpful for him at the moment. I suspect that will not be the case for the next three months.”

Mr. Mulcair has talked up his economic platform recently in speeches to business audiences and during visits to Ontario farms and businesses. He has pledged to increase the minimum wage, cut small business taxes, introduce new tax credits, commit an extra $1.5-billion in gas taxes to infrastructure spending, introduce a national childcare program and deliver balanced budgets. “The NDP will have to be extremely diligent in making sure their platform adds up,” said Goldy Hyder, CEO of public affairs firm Hill+Knowlton Canada.

Former Harper government spokesman Jason MacDonald said: “If you dig deep we’re looking at a high tax and debt-focused policy coming from the NDP.” He added the election remains “an abstract notion” for many and that as it draws near “we’ll probably [see] what we’ve seen over time: people recognize … the Conservatives are [the party] that actually has a track record and a clear plan” on economic matters.

Canada’s economy has struggled in part due to weakening prices globally for oil and other commodities. The Bank of Canada initially forecast expansion for this year, but data suggest the economy contracted in the first half, putting Canada in a recession. While Canada’s economy throughout the global 2008-09 recession and subsequent recovery performed better than others, it now lags the United States. Mr. Harper and Finance Minister Joe Oliver have insisted the government will balance this year’s budget, despite last week’s warning from the Parliamentary Budget Officer that Ottawa could post a $1-billion deficit.

“The upcoming election will be about change [versus] more of the same,” said senior NDP strategist Brad Lavigne. “Do Canadians want to [stick] with Harper’s failed [economic] plan, or go with a new one? All indicators suggest Stephen Harper’s economic plan is not working.”

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Posted on 29 July 2015 by admin


 The Hon. Ralph Goodale


One repulsive Conservative attack-ad running on television these days talks about Canada’s 2008 recession.

If you recall, that was just the first recession over which Stephen Harper has presided – we’re now suffering through his second. What a glorious record, as he stumbles from one economic bungle to another!

In this television ad, a paid actor reads through a Conservative script suggesting that no one saw the 2008 recession coming. That is a barefaced lie. Just about everyone in the western world could tell the economy was turning downward – everyone, apparently, except the Conservatives.

Were they that incompetent, or did they deliberately hide the truth?

For several years, officials in Canada’s Finance department had worried about fundamental weaknesses in the US housing market and in the American banking system which posed serious downside risks to global economic stability. They urged successive Finance Ministers (including me) to be particularly prudent in financial management and budget-making. There was a high-risk bubble that was about to burst.

Ignoring all the warnings in that period between when they took power (February, 2006) and when the recession arrived (Fall, 2008), the Harper regime overspent by three-times the rate of inflation. They mangled the federal tax base. They eliminated all the contingency reserves and prudence factors from the budget-making process. And they put Canada back on the cusp of a deficit once again.

In effect, the Conservatives inherited one of the strongest fiscal and economic situations in the western world, and in less than three years, they blew it – BEFORE there was any recession to blame.

The recession made things worse, but it was Mr. Harper all on his own who made Canada vulnerable.

All through his reckless profligacy, Mr. Harper claimed a recession was unlikely. He promised we would all enjoy “good buying opportunities”. He pledged never to run a deficit. In fact he explicitly projected five surplus budgets. And he was completely wrong.

Why? It was all contrived to let him sneak past Election Day in the fall of 2008.

And now, as Yogi Berra might say, it’s “deja-vu all over again”. Mr. Harper is in abject denial about another recession, and about the hard reality that, on his watch, the economy is a “serial disappointment”.

He has the worst growth record of any Prime Minister since R.B. Bennett in the 1930’s. He failed to lead this country to full recovery from that first recession in 2008 before the second one hit in 2015. He has run up $157-billion in new Harper debt – so far. His deficits continue. The federal books are not yet balanced in 2015. This will be the 8th consecutive Harper deficit.

To try to divert attention from their economic incompetence, the Conservatives have hired an actor to tell lies in a television attack-ad. But the real “bad actor” is Mr. Harper himself.


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Gurdaspur attack: Ten killed in Indian police station siege

Posted on 29 July 2015 by admin

Gurdaspur attack Ten killed in Indian police station siege

Ten people have died in the Indian state of Punjab after a siege at a police station was brought to an end by security forces.

All three attackers were killed, along with seven other people, including the Punjab state police superintendent.

The attackers first hijacked a car then opened fire at a bus station before entering the police station in Gurdaspur district, officials said.

Police believe that the attackers are from Indian-administered Kashmir.

Gurdaspur Police Chief Salwinder Singh said: “The operation to flush out attackers is over. All three attackers have been killed.”

The six victims included four policemen – among them police superintendent Baljit Singh – and three civilians.

The attackers were armed with automatic weapons and dressed in military fatigues.

Such assaults are common in disputed Kashmir, but attacks in neighbouring Punjab are extremely rare.

Gurdaspur’s deputy police commissioner Abhinav Trikha told the AFP news agency that the attackers had holed up inside the residential quarters at the police station and were “firing continuously”.

“They were dressed in army uniforms and came in a Maruti [Suzuki] car,” he told reporters at the scene.

Security forces also found bombs nearby on the railway tracks at the Dinanagar railway station, according to Indian media.

Gurdaspur is a vast and rural district, not as prosperous as other districts in Punjab. It is not immediately an obvious choice for an assault such as this.

But this is not the first time it has seen such an attack: five years ago people witnessed a bloody gun battle in the district between militants and local policemen.

And it is also one of Punjab’s most populous districts, sandwiched between the state’s two major rivers, Ravi and Beas, and sharing common boundaries with Indian-administered Kashmir and Pakistan.

Locals believe that this time the gunmen may have come from Indian-administered Kashmir or slipped in through some of the porous parts of the riverine tracts of the international border with Pakistan.

Jitendra Singh, India’s junior minister for home affairs, suggested the attackers may have come across the border from Pakistan.

“There have been earlier reports of cross-border infiltration [in Gurdaspur] and Pakistani mischief in the area,” he told reporters.

The Pakistani foreign ministry condemned the attack. “Pakistan reiterates its condemnation of terrorism in all its forms and manifestations,” it said in a statement.

“We extend heartfelt sympathies and condolences to the government and people of India.”

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Posted on 29 July 2015 by admin


Dr. Hasan Askari

   The Judicial Commission submitted its report to the federal government on July 22, 2015. It rejected the complaints of the Pakistan Tehrik-i-Insaf (PTI) and several other opposition political parties that the May 2013 general elections were rigged and manipulated.

  By declaring these elections as a true and fair reflection of the mandate of the electorate, the Judicial Commission provided legal legitimacy to the 2013 election and the electoral victory of the Pakistan Muslim League Nawaz Group (PMLN).

 The PTI faced a major political embarrassment.

  However, the Judicial Commission has not resolved the issue of political acceptability of the results of the elections.

  It was not merely the PTI that complained about the election results, several other political parties, including those that supported the PMLN in the context of the protest by the PTI, also questioned the legitimacy of the election results.

  The legal legitimacy given by the Judicial Commission will not change the opinion of all these political parties about the elections. Therefore, the general elections and the PMLN’s ascendancy to power will continue to be questioned on political grounds many political activists.

   The Report of the Judicial Commissions represents a conservative and status-quo oriented approach. It took advantage of the terms of reference to down play irregularities and procedural violations, including non –authentication of votes and multiple voting by one person and declare these elections as fair and free on aggregate.

 The second term of reference sought to know if the elections were manipulated in a “systematic effort by design.” The Judicial Commission assigned a priority to systematic or by design manipulation over other issues undermining the credibility of the elections.

 It was clear during the proceedings of the Judicial Commission that systematic and planned rigging would not be proved. As the PTI could not prove systematic manipulation by an institution, government or political party, the Judicial Commission was able to confirm the first and the last terms of reference that legitimized the elections in legal terms.

 The Judicial Commission noted procedural and other violations but these could not influence the opinion of the members of the Judicial Commission because they confined them to the issue of systematic and planned manipulation.

  In a way the Election Commission and Judicial and other officials on the polling day duties have also got a clean chit because procedural irregularities were not given weight.

   The advice by the Commission to improve the management of the elections has not got much significance because if the elections represented the true and fair mandate of the people despite a host of deficiencies, why rectify those deficiencies. Why should the government of the Election Commission worry about these issues when these are not relevant to determine the credibility of the electoral process?

  The PMLN will focus on the legal aspects and the PTI and other political parties would pursue its political dimensions which will revive political conflict between the two sides. It will be three or four months before this conflict takes a definite shape. By that time the flood season as well as local bodies elections would be over in the Punjab.

  The PTI will have to review its political agenda and strategy. There is no scope for return to the theme of electoral manipulation. It will have to identify the issue that appeals to the common folks. The PTI support appears to be mainly from the middle to upper classes. It will have to mobilize the populace from the middle to the lower strata of the society. New sets of issues are required to attract this section of population.

  The PTI needs to pay attention to its organizational and internal discipline problems and Imran khan should avoid returning to the old traps like public expression of sympathy for Pakistani Taliban.

  Instead of making generalized statements, Imran Khan should adopt a non-ambiguous position on social and economic inequities in the society, privatization of state assets and religious extremism and militancy.  It would not be advisable to revive the “Dhrana” strategy of 2014. New strategies like public meetings and mass level mobilization need to be considered.

  Another issue pertains to the PTI working with other political parties. Its strategy of “solo flight” requires a review.

  The PPP’s declining fortune may not be revived as long as its leadership protects its interest by identifying with Nawaz Sharif. It faces organizational and leadership crises in the Punjab that have turned it into a feeble and directionless political entity. Its activists are depressed and dismayed in the Punjab.

  The ruling PMLN needs to change its policy of distributing state funds as the gifts from the Prime Minister or the Chief Minister of the Punjab. Instead, it should invest financial and administrative resources to coping with the energy shortages and the declining industrial output.

 Unless these two issues are addressed on a priority basis the problem of poverty and under-development cannot be tackled in Pakistan.

  The PMLN policy of conceding policy making and implementation to the military may work as long the military-Rangers action is confined to Karachi where the PMLN has hardly any direct political sake. If the military decides to adopt a similar approach to control militancy and corruption and administrative inefficiency the Punjab, the PMLN will find it difficult to pursue stable relations with the military.

  The PMLN should understand that its current triumph will prove short-lived if it continues to pursue its on-going narrow and personalized governance.

 It needs to appoint professionals on the top level technical positions and adopt socio-economic policies that benefit the common persons on a permanent basis rather than pursuing glamorous construction projects that have scope for corruption.

 The current floods will increase popular dissatisfaction against the PMLN government which will make it easy for the opposition parties to initiate another confrontation with the government.

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Makkar says it’s a year of change

Posted on 29 July 2015 by admin


The team led by Ajit Someshwar, the former President of Indo-Canada Chamber of Commerce (ICCC) and the national convenor of the Canada-India Foundation (CIF), won the ICCC 17th Annual Golf Classic held the Piper Heath Golf Club in Hornby, ON, on Thursday, July 23, 2014.

Sanjay Makkar, President, ICCC, while presenting Someshwar and his team members Curren Holla, Sal Rabbani & Glen Piller with a rotating trophy, acknowledged the dedicated hard work put in by ICCC’s Golf Committee, and thanked the enthusiastic band of 152 golfers who participated in the tourney. The Golf Committee comprises of Anil Shah (Chair), Rahul Mehta, Pradeep Sood, Tavinder Malhotra and Vikram Dua.

Both the venue and the weather were instrumental in the tremendous success of the tourney. The weather – a combination of balmy and breezy – was perfect for golfing, ensuring the participants had a great time. The venue also played an important role in enhancing the golfers’ experience. Piper’s Heath is a stunning 18-hole championship course designed by renowned golf course architect Graham Cooke that is strategically located in the heart of the Greater Toronto Area.

Addressing them Mr. Makkar pledged to make his tenure as the Chamber’s President a year of change, a time when the venerated Chamber would both live up to its traditions and chart a fresh path of achievements. He emphasized that the new board would be actively pursuing a number of initiatives that would directly benefit members, their businesses and professions. The year of change would also lead to a quantum leap in the Chamber’s membership, he assured.

Mr. Makkar announced the appointment of Mr. Tavinder Malhotra as the next chair of the Golf Committee. Mr. Malhotra replaces Mr. Anil Shah, who has completed his term as the Chair of the Golf Committee. Mr. Makkar thanked Mr. Shah for taking the ICCC Golf to a new level, and “make it one of the best golf tournament in the country.”

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Let’s Prevent Hot-Car Deaths This Summer

Posted on 29 July 2015 by admin

  1. Don’t leave your child in the car, no matter what, even for a brief time.

A car is like a greenhouse and temperatures can rise very quickly, even with the windows open. There is no safe amount of time to leave a child (or pet) alone in the car. Children are especially vulnerable to heat-related injuries and aren’t able to sweat as well as adults to cool down.

If you leave your child in the car, even for a brief few minutes, there can be serious, life altering consequences. You may get distracted, or forget about your child, or something could happen to you that could impair your ability to tell someone else your kids are in the car. Take them with you 100% of the time. Or just don’t stop to get out. It is way too risky.

Mere minutes in the car can prove fatal.

  1. Know the risks

As the car gets warmer, a child’s body temperature will rise, causing heat-stroke. When the body temperature exceeds 40 degrees Celsius (104 degrees Fahrenheit), the brain’s temperature control centre gets overwhelmed, causing disorientation, confusion, dizziness, seizures, loss of consciousness and death. This can happen within minutes of leaving the car. MINUTES.

  1. Use a reminder system

Many of us have briefly forgotten that our child/children were in the car with us, especially if they have fallen asleep. When you are in a rush and distracted, you may need a gentle reminder that they are with you. This is especially true if there is a break from your routine. For example, let’s say your partner typically drives your child to daycare, and you drive to work. Today you are driving your child to daycare and then to work. It is easy to forget that you have your child in the car when you don’t usually. You arrive at work and your child is asleep in your backseat, behind you, where you have no visual cues that he or she is there. Just think of how often your normal routine is changed and how easily you can be thrown off your game.

What can you do? Give yourself reminders out loud as you drive or place items around that will act as a visual reminder. Place your purse in the back seat or the diaper bag beside you. Use anything that will jog your memory that your child is with you. An easy trick – leave a large stuffed animal in your child’s car seat. When you are driving with your child, the stuffed animal is placed next to you in the passengers seat as the reminder. Easy!

  1. Keep kids out of the car when you aren’t there

The car is a fun place for a child with so many buttons and the steering wheel. Some kids may be curious and wander in there looking for an adventure. Some kids can climb in but the door may be too heavy to open from the inside. Or they become trapped inside by child safety locks.

Talk to your kids about car safety and never allow them to play in there without you. Keep your car door locked and keys away from curious hands.

  1. Look before you lock

Get in the habit of opening the back door after you park to ensure there is no one there. It’s a simple step that will become routine very quickly.

  1. Use drive thru-s when available

Need to grab some food or cash? Use a drive through so you can stay in your car with the kids.

  1. Get involved

If you see a child or pet in a hot vehicle, call 911 immediately. You may save a life.

Bear in mind, this can happen to you and to any great parent. We have a million things going on and distraction is all around is. Let’s keep our kids safe!

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Newlyweds Need to Talk About Finances Beyond the Wedding

Posted on 29 July 2015 by admin

Finances Beyond the Wedding

Statistics show that finances can cause tremendous strain on relationships. In 2013, finance company MNP conducted a survey and found the following:

  • One in four (27 per cent) married and common law Canadians say financial stress is affecting their relationship.
    • This number jumps to 41 per cent among younger couples.
    • Debt is the cause of relationship strains faced by 20 per cent of Canadian couples.

Debt is a taboo topic, even when it comes to your for-richer-for-poorer partner.

According to pollsters Ipsos Reid, only half of Canadians are completely truthful about their finances, and I’d like that to change — especially for the brides and grooms of the 2015 wedding season.

Here are some things to think about if you are tying the knot:

Don’t commit financial infidelity

Openness and honesty are pillars of any marriage, so why not extend the concept to your finances? Sit down with your partner and hash out your numbers — what are your combined assets and liabilities? What’s your net worth? What about debts? Any trouble with your credit score? If you’re going to build a financial life together, you need a good, honest foundation.

Think about bank accounts

You’ll be sharing a lot of expenses, so it is probably most convenient to have a joint chequing account for bills and daily spending. Beyond convenience, a joint account will help you avoid any legal inconveniences if the worst should happen and your spouse passes away — there can be a lot of paperwork involved in accessing a spouse’s account. For those who need a bit of financial independence (in case you need some secrecy for buying a birthday present, for example), you and your spouse could have separate savings accounts.

Get on the same page

Just because you think you have sound financial judgement, doesn’t mean your spouse will agree. If your financial goals don’t line up with your spouse’s, it could cause a lot of tension and turmoil. Have a discussion about short-term and long-term goals. Are you saving for a housing down payment? Is a kid on the way? Any thoughts on retirement? Do you need to clear out some debt? You made it this far together — if it’s meant to be, you can find a plan that works for both of you.


A budget is the road map that will guide you and your spouse to your financial goals. It’s critical that you have one, and that you follow it. Follow Consolidated Credit’s recommended budgeting percentages, and make adjustments where necessary. Track your spending using a free budgeting app.


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Ileana D’Cruz doesn’t have ‘patience’

Posted on 29 July 2015 by admin


Ileana D’Cruz avoids taking selfies as the actress does not have “patience” to pose for them.

The “Happy Ending” actress said she was taken aback when she saw a girl’s dedication for taking a selfie.

“Stopped at #Starbucks and noticed this girl holding her phone up pouting taking a selfie… For 15 mins! That’s some dedication for a photo.

“Now u know why I don’t take as many selfies… I just don’t have the bloody patience!,” D’Cruz, 27, posted on Twitter.

The actress started her showbiz career with Southern films before making it big with Ranbir Kapoor starrer “Barfi!” followed by “Phata Poster Nikla Hero”, “Main Tera Hero” and “Happy Ending”.


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