T R U T H M A G A Z I N E
with Caroline Leaf
In Crisis And
Real People, Real Problems and
OF AN ADDICTION
PEOPLE IN CRISIS
with Richard Brown
LOOK OUT FOR
Our Local Farmers
The trend to buy local is going strong and
for a good reason. Getting fresh and more
nutritious foods from your farms, offers
a wealth of benefits for both you and the
people in your community.
It Was Just A Sketch
Being labelled and recognized as an
entrepreneur was never in my dream book
under ‘career’ and it didn’t just happen either.
It was just a sketch, it was just an idea, but it
sure has come a long way.
Defining My Identity
06 The “Hurry Sickness” Epidemic
08 Fresh & Fruity Smoothie Recipes
09 Kings of Oils
12 Living My Plan A Life
14 How to Really Network
18 Miracle Ingrediant
19 Chinese Acupuncture
20 Embrace Yourself
My name defines my heritage. My name
defines who I am. My name is something that
I embrace with pride and not shame. I am
me and I do not apologize for it. My name is
Be Your Own Hero
Helene’s story is not one of rags to riches like
a Tyler Perry or an Oprah Winfrey, but one of
the everyday average Joe; like you and me.
She is the modern hero, the example we want
to set for future generations to come.
28 Money Smart
29 Tax Tips for Investors
32 Walk Into Nature
33 Beyond the Blooms
34 Thirteen Reasons Why
35 Thieves of Joy
Gone are the days when counseling is just
for “the mentally ill.” In spite of lame jokes
and the stigma attached to counseling, many
individuals are seeking professional help to
deal with the trauma of life in a fallen world.
2 | Truthmagazine
PUBLISHER & EDITOR
PRODUCTION & GRAPHIC DESIGN TEAM
Decisions in crisis and recovery – emotionally, financially,
nutritionally and spiritually; it’s all part of the circle of life. Yet
for many it is a roll of the dice, a game of chance as to how
best to cope. We have become so “time-starved” that we
have to schedule “me” breathers to refocus and recalibrate
our GPS. However, all is not lost; there is hope! Read on and
LAYOUT ARTIST COACH
Sheri Lake, iDezign InsideOut
Genesis Hair Studio
Bennett Law Chambers
Beverly Johnson Media
Joseph and Paola Philip
Pilgrim Feast Tabernacles
SWAV (Soul with a Vision)
THE NAKED TRUTH GOSPEL
Truth Magazine is produced by The Naked Truth Gospel
(TNTG), a faith-based, not-for-profit organization dedicated
to promoting wholesome thinking and lifestyles, while
empowering and equipping individuals with practical
tools to recalibrate their personal GPS (Guiding Principles for
Success) through publications, workshops, multimedia shows
and other events.
TNTG is the parent of Truth Conference, Real Truth Talk
Show and Arise Conference; a collaboration with Pilgrim
Truth Conference, a wellness weekend getaway offers the
opportunity to withdraw briefly from life’s treadmill and
explore practical knowledge and tools for achieving your
“Plan A,” as coaches share guiding principles for successful
REAL TRUTH TALK SHOW
Coming soon, Real Truth Talk Show is a new Canadian web
talk series bringing fresh, lively, energetic and meaningful
conversation with guests from different backgrounds and
experiences on lifestyle topics.
Truthmagazine | 3
4 | Truthmagazine
Food that you can trust
The trend to buy local is going
strong and for good reason. Eating
and buying fresh from your local
farmers offers a wealth of benefits
for both you and your community.
The number of farmers markets in
Canada alone has risen significantly
this past decade, making it easier to
find a market near you. Here are a
few reasons why you should visit and
enjoy your nearby farmers markets.
Fruits and vegetables grown by
our local farmers are minimally
processed, as many farmers go
to great lengths to get the most
nutritious foods to you. They do
this using different techniques and
picking produce right before selling
them at the market. On the other
hand, foods found at the grocery
store are typically highly processed
and grown in unconventional ways.
The apple you eat for breakfast was
grown using pesticides, antibiotics,
genetic modification and hormones.
The cabbage used for your salad has
been waxed, irradiated or grassed.
Although fine in small consumption,
these modifications can greatly
impact human health if consumed
REAL FOODS AND REAL FLAVORS
Its no surprise that locally grown
foods are some of the freshest and
tastiest produce you’ll ever come
across. Growing locally allows
farmers to bring the freshest foods
to your market by cutting down longdistance
shipping. This also means
that there are no ripening chemicals
added before shelving, and no sitting
in storage rooms for weeks on end.
TAKE CARE OF YOUR EARTH
Shipping foods from around the
world uses large amounts of
natural resources, specifically
fossil fuels. Agriculture intended
for mass-consumption also does
not use sustainable methods and
contribute to water, land and air
pollution with toxic agricultural byproducts.
Conventional farms are
widely known to raise their animals
in inhumane conditions. Spare
yourself from ingesting hormone and
antibiotic filled animal products and
enjoy meats and dairy from animals
raised on grassy fields and in fresh
SUPPORT FAMILY FARMERS
Purchasing from local family farms
provides them with valuable capital
needed to continue operating and
producing for your community. By
supporting local farmers you are not
only helping the family’s that run
them but also the community you
grew up in.
Put a face on your food and known
that you can trust where it comes
from. By purchasing your foods
directly from the people who grew
it, you can have more certainty that
your food comes from the best. You
also have the opportunity to get to
know how your foods were made and
know the people in your community
Truthmagazine | 5
The “Hurry Sickness” Epidemic
Health and family comes first
I do understand that many of us live incredibly busy lives.
Indeed, I would go so far as to say that many of us have what
I call “toxic schedules:” rest is a luxury we frequently yearn
for. We essentially live under the “Directorate of Time:”
the clock has become our master. Indeed, we can fall into
the trap of living under an unnecessary sense of urgency,
which can put us in chronic toxic stress and make us ill—
and give us terrible indigestion. Is it any wonder more and
more of us suffer from discomforting stomach ailments?
This “hurry sickness” now drives a significant part of our
daily lives, challenging the value of a good, homemade
meal with fresh, real food ingredients. Sitting in front
of the television and watching in-depth discussions on
famous break-ups with your microwave meal in hand
now seems like a much better deal for many of us.
Certainly, I am taking some liberty with my caricature,
yet if we are honest with ourselves there is more than
a little bit of truth in the picture I have painted. It never
ceases to amaze me that more people know about the
latest hair color of a celebrity than where their food
comes from. And yet healthy food is essential for life!
Talking about the nonconscious and conscious mind in
terms of food marketing necessitates a discussion about
television, and how it plays into poor food and eating
habits. First, I am in no way against television in general. I
have my own television show, and my son Jeffrey, loves film
production and screenwriting. I myself watch television
(yes, I am a Downton Abbey!), and I believe that all forms
of media can be wonderful sources of relaxation, interand
cross-cultural communication, as well as learning.
Let excessive television viewing is one of the defining
features of our modern culture, and correlates with
mental and bodily ill-health. For example, a study
of more than two thousand toddlers showed that
watching TV between the ages of one and three
was linked to attention span issues and a decreased
ability to control impulses later on in childhood.
Every hour spent watching TV increased the toddlers’ chance
of focus and attention problems by a frightening 10%.
6 | Truthmagazine
A 2015 study published in the journal Infant Behavior
and Development supports the findings of this earlier
paper, putting this correlation in startling terms:
“cognitive, language, and motor delays in young
children were significantly associated with how much
time they spent viewing television.” Similar correlations
between viewing time and mental and physical wellbeing
have been found for both adolescents and adults.
How is this risk related to our eating habits in particular?
In light of the fact that governmental bodies and food
conglomerates use the television to market their foodlike
products to both adults and children, the Modern
American Diet (MAD) food diet is being wired into the
non-conscious minds of every individual who is not aware
of its influence, including toddlers. We merge with our
environments because of the plasticity of our brains, and
environmental influences can become our new norm if
we are not guarding our thoughts. Wired in mindsets are
learned mindsets, and may feel normal because of familiarity,
even if the mindset or habit is essentially unhealthy.
Dr. Caroline Leaf
Truthmagazine | 7
Smoothies to Start your Day
1 navel orange, peeled
¼ cup fat-free half-and-half or fat-free
2 Tbsp frozen orange juice concentrate
¼ tsp vanilla extract
4 ice cubes
2 Tbsp flaxmeal
1 Tbsp unsweetened cocoa powder
1 Tbsp natural peanut butter
1 scoop chocolate whey proteinpowder
Water as needed
1½ cup chopped strawberries
1 cup blueberries
½ cup raspberries
2 Tbsp honey
1 tsp fresh lemon juice
½ cup ice cubes
1 can (8 oz) juice-packed pineapple chunks
1 cup fat-free frozen vanilla yogurt
1 lg ripe mango, peeled and chopped
1 ripe banana, sliced
Crushed ice as needed
BANANA GIN CRAZE
1 banana, sliced
¾ c (6 oz) vanilla yogurt
1 Tbsp honey
½ tsp freshly grated ginger
DREAMY GREEN SMOOTHIE
1 cup seedless green grapes
1 cup packed baby spinach
1/2 cup ice
1/4 cup coconut milk
Recipes from Menshealth.com & Prevention.com
8 | Truthmagazine
King of Oils
It you asked me to pick one essential oil for my medicine
cabinet I would say unequivically Frankincense. Known as
the “king of oils” Frankincense is one of the most prized
and precious essential oils and has been harvested for
thousands of years. In the New Testament, the Babylonians
and Assyrians would burn Frankincense in religious
ceremonies and the ancient Egyptians used Frankincense
resin for everything from perfume to ointments for
The health benefits of Frankincense Essential Oils can
be attributed to its anti-inflammatory, antidepressant,
antiseptic and restorative properties. There are many uses
for Frankincense. It has been traditionally used to help
reduce the appearance of imperfections and rejuvenate
the skin. Used in aromatherapy it can help reduce pain and
inflammation, boost the immune system, provide cellular
support and can help relieve chronic stress and anxiety.
Frankincense has a woody, earthy and spicy aroma which
is very calming and relaxing. Add a few drop to a diffuser or
or apply to the bottoms of feet to help promote relaxation.
You can apply Frankincense topically to skin to help reduce
tension, discomfort or reduce inflammation but be sure to
dilute with a carrier oil such as fractionated coconut oil,
olive oil, oralmond oil to test for skin sensitivity (dilute 2
drops of Frankincense oil with 2 tablespoons of carrier oil
for adult application).
Frankincense comes in many grades so be sure to use a
pure essential oil, and not oils that may contain synthetic
fillers that won’t provide the desired health benefits.
Feel free to contact me for more information and I
would be happy to share the many uses and benefits of
Frankincense, and my DIY creams and scrubs using this
powerful, versatile oil.
Truthmagazine | 9
It was Just a Sketch
The Development of Fidget Toys ltd.
Being labelled and recognized as an
entrepreneur was never in my dream book
under ‘career’ and it didn’t just happen either.
Every experience I had until the age of 22
strengthened the necessary mindset and
personality traits to become the entrepreneur
I am today; that is, the social entrepreneur
I’m described as.
At the age of 10, I remember being in the
principal’s office for the first time. I’m no
trouble maker but that was the result of
yelling at a girl who threw a dodgeball at my
friend on purpose while calling her names.
All I was asking for was an apology! I was
sobbing as I explained myself to Mr. McGee
and he asked both me and the other girl to
apologize to one another and be friends.
Reflecting on that moment, I realized how
much of a voice I had when it came to seeing
others hurt. I knew if the environment
pushed me to that point I would not be
afraid of even a potential ‘expulsion’. I would
speak up and fight for respect.
At the age of 14, I began to learn more about
my culture, understand my religious views
and being vegetarian which was a part of
it. Vegetarianism was practiced in my home
and I soon realized that it was common for
many of my peers at my middle school. The
problem here was that our cafeteria did not
have a vegetarian option for the students
other than fries. The meat eaters would
have pepperoni pizzas, beef patties, and
poutines with beef gravy.
I had then asked my principal, Ms.Dei-Moah
if I could volunteer at the cafeteria during
the lunch period to help with ushering, and
serving. I used my volunteer hours to learn
the system; the system of who prepared the
food, how menu decisions were made, and
where I could get involved.
suggested pizza bagels; both pepperoni and
just cheese. I began to describe how there
were days out of the week that I didn’t eat
lunch, not because I didn’t want to nor have
the money to purchase lunch but I couldn’t
eat it because of my dietary restrictions.
It was the matter of raising a concern and
sharing my story that then brought pizza
bagels; simple, delicious, and my vegetarian
friends appreciated new menu. Now to this
moment, I realize how much acceptance
and awareness of differences are important
These moments, along with all of my
experiences built key values within my
mindset that have made making a decision
to be an entrepreneur the fulfilling journey
it is today. At the age of 26 (the age I write
this article) because I paid attention to those
I cared about, I have now become the CEO
and founder of Fidget Toys, a startup that
creates tools for children with autism.
It was just a sketch, it was just an idea, but
it sure has come a long way with all the
support, awareness, and resilience in fighting
to change the learning environments for the
special needs community versus labelling
them and dismissing their abilities.
I have learned that entrepreneurship is
never a chosen path; it becomes the path
that chooses you. I makes you align your true
passion and purpose with the morals and
values which are the result of your emotions
and innocent reactions in situations; from
bullies and their dodgeball to cheese pizza
Founder of Fidget Toys
As I reported to Ms.Dei-Moah about my
experience helping out at the cafeteria, I
10 | Truthmagazine
Truthmagazine | 11
Living My Plan A
A Dream Life Turned Reality
Harpreet who earned a MBA in Human Resources was
working as a senior manager at a retail public trading company.
Although he did extremely well on the job, he had a nagging
desire to be entrepreneurial.
Descending from a business class family in India may have
whetted his appetite for enterprise; however, the desire to
command his own time was not just about profits and financial
freedom. He was after a bigger legacy.
“I prayed for the opportunity to own my own company so that
I could be free to impact more people,” said the former Sikh
turn Christian. You could say God took his request seriously,
for not long after, “someone gave me a prophetic word to
launch out and god would multiply,” he shared.
Like moses, jonah and maybe most of us today, harpreet was
awed by the prospect but tentative. He didn’t have the start–
up capital, his wife was on maternity leave at the time and his
friends and family scoffed, ‘how will you pay your bills?’
“I sat on that word for four months!” He admitted.
Simultaneously, his once comfortable job spiralled into
gratuitous unease. “One day it got so bad that i called my wife
and she said ‘it’s time to leave’. I called my spiritual mom and
she said ‘maybe it’s time to leave’. I then called my sister-inlaw
who offered the same advice.”
Duly convinced, harpreet registered mobile hub without a
glitch and started operating out of the trunk of his car. He
went door-to-door selling mobile phones and accessories.
As he did this, he would get the opportunity to pray for the
customers, confirming the mandate that he also made the
tagline of the business ‘connecting to the ultimate source’.
Applying much diligence and the foundational principles of
good stewardship that he learned from his dad in india, along
with a christ-like compassion to listen to his clients and pray
for their needs, resulted in uncanny favour.
Applying much diligence and the foundational principles of
good stewardship that he learned from his dad in india, along
with a christ-like compassion to listen to his clients and pray
for their needs, resulted in uncanny favour.
After praying for one of his customers through a difficult
season the customer made him a proposition that propelled
harpreet’s business to another level. From the sales of his
car trunk business he bought the cell phone portfolio of this
customer’s business and transitioned mobile hub into its first
Harpreet infused the store with worship music. “I prayed daily,
lord give me souls, give me people i can minister to and share
my story. For seven months we did not have a sign on the
building because we could not afford it, but I cannot tell you
how many people popped into the store and would say ‘I was
drawn here or I was driving by or walking by and something
told me to come in,” he said. More amazing is that previous
businesses left that same location due to low customer traffic.
It’s been five years since Harpreet took the first step of faith
towards business and marketplace ministry. Mobile Hub has
expanded its service offerings and has a loyal and growing
customer base. Harpreet holds weekly prayer meetings at
the store for the customers who at first come for mobile or
computer needs and as he says “often find a connection to
the ultimate source.”
Reflecting on the journey he said, “I’ve stayed true to my
focus to win souls. I said Lord If you give me the finances I will
build the kingdom, and he’s given me so much favour and I’ve
seen so many customers restored.”
12 | Truthmagazine
Suzan Sahney & Harpreet Sahney
Life is an adventure,
personal GPS is a part
of the journey, living
your desired life will
no longer be just a
” Naomi Adowaa
A Guide to Grow your Connections and Rocket-Start your Brand
Everyone understands networking. It’s all about
connecting with others so that you have a base of
valuable people with whom you can do business
with or can help you in your career.
People believe you need to be an extrovert with
such an outgoing personality that others will want
to hire you or do business with you. That you have
to have such a dynamic personality that everyone
wants to be part of your circle. Think of the Zig
Ziglar type. I’d like you to think of networking in a
In life, many of us are not the life of the party, or
the centre of everyone’s universe. We may be shy
or introverted. But that doesn’t mean you can’t
network and be successful. If you are to develop
your personal brand, you need to think like a brand.
14 | Truthmagazine
Good strong brands aren’t always the most lavish or in
your face. Good brands (like your favourite car or your
favourite drink) don’t try to sell you once, or look for what
they can extract out of you in that quick exchange. Brands
want an ongoing lasting relationship. To do that, they try
to form a long-term relationship. They want you to share
your experience with your friends. They want you to be
the first thing you think of when you are shopping. They
want you as a customer for life.
I had enough social capital to quickly establish a client
base that got me going from day one. I was fortunate. But
it was based on the network I had built up over time.
Think of your favourite brand again. You have a high level of
loyalty towards it. That’s the beauty of a brand relationship.
If it’s a true relationship and not a transactional one, the
bond between customer and brand can be so strong, they
won’t give up on it, no matter what. Be that loved brand.
So the next time you are networking or meeting people,
don’t just hand them your business card in hopes that
you can sell them x (insert your product/service here).
Find out about their interests and business. Be genuinely
interested and see how you might be able to help them
with their pursuits. They may not provide you business.
But the goal is to build up goodwill and capital that can
assist you later in the form of a referral, an introduction or
even information. All valuable in building of network and
your business success.
Create meaning and you’ll find it’s really not important to
be like Zig.
While your aim may be to gain a customer for life, the
goal is more to create a foundation for that type of
relationship. Truth is, it may not come back to help you,
but you’ve helped others. And isn’t that our objective in
life? To have friendships and relationships of permanence?
Let me share an insight from brands that can help you
with networking. It’s one simple thought: It’s not about
what people can do for you, it’s about the benefit you can
give to others.
First, understand there are two types of relationships:
Transactional ones, that are often based on price and
meaningful relationships, that are based on value.
The first offers little loyalty. It’s fleeting. People who are
your customers for this reason will move at the drop of
a dollar. And people, who are only in your network for
your benefit, are like a dry well that you try to draw from.
Customers and clients with whom you have a meaningful
relationship will endeavour to help you, to do business
with you, or introduce you to people who can assist you.
So how do you get to that deeper relationship? By building
Building social capital means contributing and helping
others in their goals. It means creating a network where
people want to help you because you’ve helped them.
When I launched my new company last fall, I realized this.
ADDITIONAL THINGS TO CONSIDER
Brand Strategy - A brand without a strategy and a story is
just a logo. Don’t be just a logo.
Content Marketing - Everyone wants a deeper relationship
with their customers. The right content can forge that.
Marketing of Content - It’s not enough to have a great
idea and execution. Whether it’s social media, PR or
traditional media, what is the distribution strategy to build
Insight - To gain insight into your consumer, treat data like
a lamp post. Don’t just lean on it for support. Use it to
Idea - How is what you’ve created different? All it takes
one thing. One can be powerful.
Truthmagazine | 15
Defining My Identity
My name is the five-lettered burden you feel every time you need to speak to me.
It is the slaughtered syllables lost within the realms of your English pronunciation.
It is my identity, my culture and my heritage.
It is the way I would try to explain and simplify the five letters into two syllables that
sound a little like the waters that lap the sand ever so gently, like “SEA”.
Then it is the black locks that tumble down her back in waves so beautiful, like
Something like the presence of a peaceful day in a blood ridden world.
Except the way you utter it, like the mockery of something you don’t understand
sitting at the tip of your tongue.
Can you, see the beauty in the way my father would elegantly wave his hand as he
wrote it out in Arabic calligraphy.
All swirls and curls etched into souls.
Can you, hear the way my mother yells for me, echoes bounce through souls, as the
elegance of the ‘S’ connects with the ‘E’ ever so gently, and the ‘H’ spoken soft like
The ‘A’ barely audible and the ‘R’ bringing it to a swift yet rolling end as her tongue
hits the hood of her mouth.
My identity has faltered time and time again.
11 years in school, I have been told time and time again to “find yourself”, “find your
identity”, after all it is the only way people will take you seriously.
For 11 years I have hidden behind a veil so thick, the blanket of ignorance thrown
over our heads, I became dumb, deaf and blind to the ever so subtle mockery of my
For a time, I had been afraid to correct the way it flows out of your mouth, afraid
you would judge me, look at me differently.
But today, I am different.
I am other than you.
I am the lush green fields of my father’s village and the busy streets of my mother’s
I am my proud Pakistani heritage that no longer chains me down.
I am the free 5am sunrise that beacons you to pray.
Take me as I am or leave me as I stand, but today I will no longer simplify the five
letters of my name, and no, you cannot call me some obscure nickname that meets
your standards and sounds like a mythical sea creature.
We were given two ears and one mouth;
This serves a purpose to teach us to listen harder, and maybe you too could connect
syllables so beautiful.
16 | Truthmagazine
Truthmagazine | 17
Fenugreek is a multi-purpose herb, native to Southern
Europe and Asia. It has been used for thousands of years
in many cultures to flavour food and improve health. In the
recent years, Fenugreek has gained attention as a herbal
supplement with diverse benefits.
Fenugreek is a plant with light green leaves, small flowers
and pods containing golden brown seeds. The tender
leaves can be added to salads, it can also be dried and
used as herbs. The seeds can be grounded into a spice,
which is a favourite ingredient in Indian curries, but it can
add a pizzazz to any bland dish.
Improves digestive system
Reduces cholesterol levels
Helps control diabetes
Improves kidney function
Fenugreek has various health benefits because it has rich
minerals, organic compounds, antioxidants and vitamins
and is packed with beneficial nutrients like iron, magnesium
and vitamin B6 and dietary fiber.
Web Source: Organicfacts & Dr.Axe
18 | Truthmagazine
WHAT IS IT USED FOR?
Stress and anxiety
Post-traumatic stress disorder
Chronic low back pain
Chronic degeneratic diseases
Asthma & respitory conditions
Reducing fatigue & addictions
Improves overall wellbeing
Health and Vitality through Balanced Energy
Acupuncture improves the body’s functions and promotes
the natural self-healing process by stimulating specific
anatomic sites—commonly referred to as acupuncture points,
or acupoints. The most common method used to stimulate
acupoints is the insertion of fine, sterile needles into the skin.
Pressure, heat, or electrical stimulation may further enhance
the effects. Other acupoint stimulation techniques include:
manual massage, moxibustion or heat therapy, cupping, and
the application of topical herbal medicines and liniments.
ACUPUNTURE IN CHINESE MEDICINE
Traditional Chinese Medicine is based on an ancient
philosophy that describes the universe, and the body, in
terms of two opposing forces: yin and yang. When these
forces are in balance, the body is healthy. Energy, called “qi”
(pronounced “chee”) flows along specific pathways, called
meridians, throughout the body. This constant flow of energy
keeps the yin and yang forces balanced. However, if the
flow of energy gets blocked, like water getting stuck behind
a dam, the disruption can lead to pain, lack of function, or
illness. Acupuncture therapy can release blocked qi in the
body and stimulate function, evoking the body’s natural
healing response through various physiological systems.
Modern research has demonstrated acupuncture’s effects
on the nervous system, endocrine and immune systems,
cardiovascular system, and digestive system. By stimulating
the body’s various systems, acupuncture can help to resolve
pain; improve: sleep, digestive function and sense of wellbeing.
ACUPUNTURE FOR EMOTIONAL WELLBEING
Acupuncture is a natural therapy that addresses the whole
person; it is not only used for physical health concerns, but
also very effective with emotional concerns. Acupuncturists
focus on finding the energy imbalance, so that they can select
special points to harmonize the body, mind and spirit.
Research shows that acupuncture treatment stimulate the
releasing of endogenous endorphins to relieve pain. It can
also regulate serotonin levels in the brain to calm and uplift
mood. Studies also indicate that acupuncture relieves stress
by encouraging the central nervous system to shift out of
sympathetic “fight or flight” mode, into parasympathetic “rest
and relax” mode. Most people feel very relaxed during and
Of Korini’s Pain Management Clinic
Truthmagazine | 19
20 | Truthmagazine
Your culture is a
part of who you are so,
Truthmagazine | 21
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Find Find out out what what today's today's
beauty, beauty, fitness fitness and and
health health professionals
know know about about the the
Be Your Own Hero
Helene grew up on a small island
in the Caribbean from very humble
beginnings. Her mother passed
away when she was 12, after being
bedridden for years and her father
shortly after, leaving her behind
to raise herself and her three male
Growing up in a small village on
an island in the 1940s wasn’t easy
by any means. The little things we
take for granted like running water
and local grocery stores were not
available to Helene who bore the
responsibility of taking care of her
family. Armed with nothing not even
a high school diploma, she worked
a number of small jobs to help put
food on the table.
She taught herself to cook, clean
and learned life skills by mimicking
what little memories she had of
her mother while she was still alive.
Helene eventually taught herself to
sew, which is what sustained her
and her family through her teenage
years until she left for Canada
to start a life of her own but not
before experiencing a few more life
At the age of 17, Helene was
sexually assaulted by a family friend
resulting in the birth of her first born
daughter. With no mother to guide
her and with little or no input from
her extended family, she had to
figure things out for herself. She had
a baby girl to think about now.
At the age of 19, an opportunity
presented itself that allowed her
to travel to Canada as a nanny/
housekeeper. Leaving her then
two-year-old daughter in the care
of relatives, Helene embarked on
a journey into the unknown, with
$50.00 in hand, and a determination
to succeed. With the money she
earned as a housekeeper, she was
able to support her daughter back
home, and saved up enough to attend
night school. Three years later, her
daughter joined her in Canada.
Helene spent the next few years
focused on getting ahead but got
involved in another relationship
which produced her second child, a
boy. That relationship barely got off
the ground before she found herself
fleeing from abuse to both her and
Undaunted, with two young
children to support, Helene moved
into subsidized housing, and
completed her education through
night school. She subsequently
obtained an entry level job at one of
the top hospitals in the city. Not a
penny was wasted. All her clothing
as well as that of her children was
hand-sewn. She was always on the
hunt for bargains.
Having no one to guide her through
life she took bits and pieces of advice
from employers and coworkers,
and began to purchase bonds and
RRSP’s through the company payroll
plan. She supplemented her income
by sewing in the evenings. Over
time, she saved enough for a down
payment on a small condo.
Helene enjoyed a long standing
career in the hospital starting from
the absolute bottom and working ----
Continue reading on page 26...
24 | Truthmagazine
CONTINUE READING ON PAGE 26
Cityscape from freepik
Artwork by Yanique Brandford
Truthmagazine | 25
It is not about the
you are dealt
but how you play them that matters.
her way up. At the time of her retirement at the age of
70, she had been running several clinics at the hospital for
many years, working with teams of doctors. She became a
valued and well respected colleague.
Today her kids are grown with children of their own, all
educated and living successful lives. She owns a little condo
on the east side and was able to use some of her savings to
assist her children to purchase homes of their own.
Helene’s story is not one of rags to riches like a Tyler Perry
or an Oprah Winfrey, but one of the everyday average Joe;
like you and me. She had a million opportunities to give
up and give in and to settle for mediocracy but that wasn’t
enough for her or her children. She was always mindful
of who was looking to her as an example, and always felt
that education was the best investment in the future. After
all, she managed to support herself and her family on the
basis of her own education – and, of course, a very large
measure of hard work.
This is the modern day hero, the example that we want to
set for our children. It’s not about the cards you’re dealt, but
how you play them that matters. In life the cards you get are
the cards you play.
Some get a great hand: success, a happy family, success in
business, health and wealth, and very few off days. Others
are born into poverty like Helene, a broken family, no family
at all, child abuse; nothing ever goes quite right for them.
The important thing is that it does no good to complain
about what you’ve been given, or allow those circumstances
to determine your future. You can take your life by the
horns, so to speak, and determine the path for your future.
No matter what hand we are dealt we can still shoot for the
26 | Truthmagazine
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This quick, practical read, focused on various aspects of later life
stages for single women, has enough common sense advice to
benefit single men too.
— Mark Venning, Change Rangers
If you are over 45, single by choice or chance, living in Canada
today and are examining the options for your future, this book is
for you. The path you take depends on your preparedness, from
where you will live to how best to cope with aging parents and how
you will address your own financial future.
This book will assist you in designing a life plan that
encompasses not only financial goals but also your other life
priorities—such as career, relationship and other personal goals.
Read on to find your own path to a happy, healthy and financially
stable longer life.
Jill O’Donnell, BA, RN, has been a trailblazer and trendsetter in
the field of eldercare management in Canada since 1981. She is the
Director of Jill Cares, a division of SPARK DIRECT HEALTH. Jill
is co-author of The Canadian Retirement Guide and The Retirement
Guide (USA) and a memoir, Searching for Robert.Finding Andrew.
She is a well-known presenter at international, national, regional
and local conferences on aging.
Jackie Porter, BA, CFP is a financial advisor, helping families,
businesses and professionals for over 19 years. She is a featured
speaker and advocate for numerous corporate, non-profit and
Canada $19.95 • U.K. £16.95 • U.S.A. $19.95
Cover design by Mike O’Connor • Cover image by iStockphoto.com
O’Donnell & Porter
SINGLE BY CHOICE OR CHANCE
To help (Canadian women over 45) plan for a fulfilling life on their own,
authors Jill O’Donnell and Jackie Porter give advice on how to age
gracefully. The book is full of suggestions, tips and ideas, delivered in a
friendly, non-judgemental way.
— Ellen Roseman, personal finance writer and continuing education
SINGLE BY CHOICE
The smart woman's guide
to living longer, better
Jill O’Donnell & Jackie Porter
Control Your Money
10 Tips to make Money work for You
HAVE FINANCIAL GOALS
You can do this by thinking more deeply about the future
and what you want to see happen with your money in 3 to
HAVE A BUDGET AND STICK TO IT
Do you have a plan for what you want to spend each
month? You will need to track your expenses to know for
sure if you have stuck to your spending plan.
MONITOR YOUR GOALS REGULARLY
PROTECT YOUR CREDIT
You can check your credit score at www.CreditKarma.com.
A score of less than 650 means you will have difficulty
borrowing at reasonable interest rates.
AVOID HIGH INTEREST RATE DEBT
Most people keep a balance on their credit card where
interest rates average 19 percent or more. You are better
off to transfer credit card debt to a line of credit where
interests rates average 7 percent of less (as long as you have
good credit). This will save you thousands in interest costs.
PAY YOURSELF FIRST
Set up a monthly deposit plan where funds for your savings
goals are withdrawn directly from your bank account before
the funds can be spent.
LEARN HOW TO MAKE MONEY WORK FOR YOU
Think of your dollars as employees working on your
behalf. How can you get more mileage? A travel rewards
plan, income from your investments, or rental income are
examples of using money to make money.
BE MINDFUL OF THE TAX YOU PAY
HAVE A LONG TERM APPROACH TO INVESTING
Have a 3/ 5 and 10 year investment plan so that funds can
invested in the right products where you can make the most
return based on your time horizon.
DOCUMENT YOUR WISHES AND CASHFLOW
You need to set up a will and power of attorney to address
who you want to look after your children and assets and to
name who will care for you should you pass away or lose
your ability to function.
Jackie Porter, Co-Author of
Single By Choice or By Chance
28 | Truthmagazine
BMO Nesbitt Burns
Two Quick Tax Tips
As a good citizen, you should pay your taxes, but not more than you are legally required
to do. Knowing how tax rules affect your investments is essential to maximizing your
after-tax return. In addition, keeping up to date on changes to the tax rules ensures that
you take advantage of all the tax savings available to Canadian-resident individuals.
Here are two quick tips that may be applicable to your situation:
Reduce tax with incomesplitting
Under our tax system, the more you
earn, the more you pay in income taxes
on incremental dollars earned. With
this in mind, it makes sense to spread
income among family members who are
taxed at lower marginal rates in order to
lower your family’s overall tax burden,
subject to the income attribution rules.
Some of the more common incomesplitting
strategies you may want to
discuss with your tax advisor include:
· An interest-bearing loan at the
prescribed interest rate to family
members in a lower tax bracket.
This strategy is particularly attractive
because rates are currently at
historically low levels;
· Pension income splitting between
spouses (or common law partners);
· Gifts to adult children or other adult
family members (other than a spouse
or common-law partner); and
· Gifts to a minor child – directly or
through a trust structure
Use borrowed funds to invest
Generally, interest expenses are
deductible for tax purposes if the
funds are borrowed for the purpose of
earning income from a business or an
investment vehicle. Therefore, consider
paying down non-deductible personal
debts (such as RRSP loans, mortgages
on home purchases and credit
card balances) before paying down
deductible investment related debt.
Cameron Murphy, BBA (Hons), CIM
BMO Nesbitt Burns
BMO Nesbitt Burns Inc. provides this commentary to clients for informational purposes only. The information contained herein is based on sources that we believe to be reliable, but is not guaranteed by us, may
be incomplete or may change without notice. The comments included in this document are general in nature, and professional advice regarding an individual’s particular position should be obtained. The comments
included in the publication are not intended to be a definitive analysis of tax law. The comments contained herein are general in nature and professional advice regarding an individual’s particular tax position should
be attained in respect of any person’s specific circumstances. Please note that your Investment Advisor is not a tax specialist and cannot provide tax advice. If you have any tax related questions or concerns, we
recommend that you consult with a tax specialist. BMO Wealth Management is the brand name for a business group consisting of Bank of Montreal and certain of its affiliates, including BMO Nesbitt Burns Inc.,
in providing wealth management products and services. ® “BMO (M-bar roundel symbol)” is a registered trade-mark of Bank of Montreal, used under licence. ® “Nesbitt Burns” is a registered trade-mark of
BMO Nesbitt Burns Inc. BMO Nesbitt Burns Inc. is a wholly-owned subsidiary of Bank of Montreal. If you are already a client of BMO Nesbitt Burns, please contact your Investment Advisor for more information.
BMO Nesbitt Burns Inc. is a Member – Canadian Investor Protection Fund. Member of the Investment Industry Regulatory Organization of Canada.
Truthmagazine | 29
The Experiences of an Addiction Counsellor - Richard Brown
Gone are the days when counseling is
just for “the mentally ill.” In spite of lame
jokes and a dying, but lingering, stigma
sometimes attached to counseling,
many individuals and families are
seeking professional help to deal with
the trauma of life in a fallen world.
People typically enter counseling
because they are hurting, frustrated,
or feeling overwhelmed by a problem.
In most cases, difficult circumstances
drive the felt need for counseling. In my
experience as an addiction counsellor,
most of these circumstances are based
in wounded relationships.
The decision to seek treatment for
addiction is no easy one, and requires
a great deal of trust between counselee
and counsellor. Through my years of
offering counsel and life coaching I
have come to realize how critical it is
for counsellors to take care to create a
strong bond with their clients. This bond
is known as a therapeutic alliance.
A therapeutic alliance is the trust clients
feel with their counsellor, allowing them
to feel vulnerable sorting out their
problems and work together effectively.
Strong alliances like this ensure
that clients view their counsellor as
trustworthy, and know that their best
interests are on the forefront. This
allows counsellor and Client to work
together even during tribulation. The
believer’s relationship with Jesus Christ
can also be viewed in the same light, as
a “therapeutic alliance.”
This alliance, whether counselee or
believer is the indispensable foundation
in recovering from any crisis presented.
While this trust takes time to develop,
patients should eventually feel
comfortable speaking freely during
sessions, feel relief after an appointment,
and feel a desire to go back. Therapeutic
alliances are a key factor to addiction
recovery. By creating an environment
where patients feel comfortable and
welcome discussing their hardships,
counselors can better help their clients
on the road to recovery.
In my role as an addiction counsellor I
build Strong therapeutic alliances by
what I term as the 3 ‘A’s’;
Authenticity - Ensuring clients know I
am interested and committed to their
Awareness - Attentiveness during
Activity – Every session, conversation
or disclosure is taking them from where
they are to where they desire to be.
The goal of counseling will often vary,
and experienced counselors will tailor
their approaches to their clients’ needs.
But, it’s important for us to understand
that different schools of therapy have
different end goals.
Continue reading on page 39...
30 | Truthmagazine
CONTINUE READING ON PAGE 39
In my experience,
some clients are
prone to wanting to
accomplish too much
in therapy with too
Truthmagazine | 31
Walk Into Nature
Nature is our mother, nurturing us freely and without fuss. Take, for example,
a simple walk in a city park or in a provincial park. The physical walk may be
simple, but the mental activity of paying attention to the shapes, textures, colours,
and sounds of the surrounding environment results in a reduction in blood pressure.
This is a quiet, hidden form of physical wellness. That same walk can promote
mental wellness by reducing or eliminating anxiety. When we immerse ourselves in
nature, the awesome designs, shapes, and colours can leave us inwardly nurtured.
We are creatures of this earth. A golden sunset, a springtime woodland, a
stunning flower—these natural phenomena arouse warm, healing emotions that
can relieve us from negative mental states. Like filling an empty stomach, nature
appreciation fills us with good feelings. Consequently, we are strengthened
inwardly and feel better prepared to deal effectively with day-to-day challenges.
GO AHEAD! DO YOURSELF A FEEL-GOOD FAVOUR; TAKE A WALK ON THE
32 | Truthmagazine
Flowers speak volumes and can be used
for every event, emotion, or situation in
our lives. From birth to death, our life’s
history, through various occasions whether
it be weddings, sicknesses or love, flowers
are used for everything that we can imagine.
Lilacs are a symbol of
confidence. Each lilac has its
unique meanings. The white lilac
represents youthful innocence
and purity and the violet
The Poppy is one of the most
widely used symbolic flower
around the world. The blue
poppy is tied to imagination,
luxury and success
Chrysanthemum are November’s
official flower of the month.
The flower symbolizes fidelity,
optimism, joy and long life.
Daffodil’s symbolizes new beginnings, rebirth,
creativity and the coming of spring.
The beauty of such simple flowers
is that they hold many meanings
like abundance, prosperity, and
indulgence. They also symbolize
charity and supporting the less
Artwork by Parneet Thethy
Truthmagazine | 33
13 Reasons Why
A Media Perspective
The Netflix adaptation of Jay Asher’s popular novel, 13
Reasons Whyhas spun many controversies. The series depicts
the story of Hannah Baker —a teen who is bullied, assaulted
and feels let down by the people in her life. Hannah commits
suicide and leaves behind 13 recorded tapes, one for each
individual she believes responsible for her death.
The show has stirred a variety of conversations and has
polarized its viewers. It has left some viewers applauding the
production efforts of the Netflix series in starting conversation
around such sensitivesubject matters. At theother end of
the spectrum, viewers have criticized the show for its poor
execution and the rippling effect that it has created. Many
believe that the show failed to consider it’s triggering effects
on young teens and feel that the show could have taken a
more cautionary approach. Since the release of the series,
there have been cases of teens committing copy-cat suicides.
In one of these cases a girl left tapes dedicated towards the
people that have hurt her before passing away.
This begsthe question, which is to blame:The Netflix series
for its execution style, or parents and educators for not
educating young teens?
WE’RE HERE FOR YOU - CALL OR VISIT:
Kids Help Phone 1 800 669 6968
Distress Center of Toronto 416 408 4357
The Jack Project www.jack.org
Youth Unlimited www.youthunlimitedgta.com
It’s hard not to blame the show as it elicits feelings of
hopelessness while also romanticizes the story of a teen
in crisis. In the show Hannah Baker is unable to seek help
from her friends, parents and educators at school. The
show ultimately depicts that her suicide was based on the
closed ears of others and her hesitation to speak about her
inner conflicts. Due to this viewers feel like there is no one
to talk to and that the people around them do not care.
This can be especially concerning for teens experiencing
suicidal thoughts, and many believe that a show like this
would encourage teens to keep their mouths shut and avoid
The limitations of media and this specific series, is that it cannot
shine light on every person’s story within 13 episodes. This
results in a show that cannot extensively cover these issues
which can leave viewers feeling uninformed and confused.
In this instance, it is the parents and educators responsibility
to fill in the missing gaps and address these issues through
open and informative discussions. By turninga blind eye and
not stimulating conversation, teens are left with one source
for advice –the media.
Naomi Adowaa, Jessica Chandrathasan, Krisika Suthan
34 | Truthmagazine
Thieves of Joy
Comparison, Setbacks, and No Vision
Being unhappy at times is normal, but if your daily thoughts
reflect these statements, “She’s always happy, she’s fake
or hiding something” or “He seems to always have it all
together and I barely know what I’m doing”, there is an
issue here and you may be very familiar with unhappiness.
Here are three thieves of joy that will shed a light on
the root of the thoughts that may flood your mind at times.
The first thief of joy is comparison. We all compare consciously
or unconsciously but comparison can choke the
thankfulness out our hearts and we are then left unhappy
because a thankful heart is a happy heart. Intentionally maintaining
a thankful heart will break the tendency for comparison
leading to feelings of inferiority.
The second thief of joy is setbacks. Setbacks happen to all
of us that are in or out of our control. The key to staying
happy when setbacks occur is realizing that setbacks will
shape your character so when the next opportunity arrives,
you have more wisdom and better management of the new
The third thief of joy is to have no vision. Having no vision
for your life makes you live an unstructured day-to-day life.
Having a vision for your life not only results in joy but also a
sense of direction, confidence, and purpose.
Lead a life full of joy by intentionally analyzing how you deal
with these three thieves and practice habits that will enhance
your quality of life.
Truthmagazine | 35
One of my favourite subject matter to paint are
fantastical characters that could belong in a
picture book. For this piece, I was inspired by all
the landscapes I’ve seen this summer with sunsets
rolling over the hills. The most special part of a
sunset is not just the endless colours or the fluffy
clouds, but it’s when the moon comes out to
wave goodbye to the sun. The time is beautiful
and absolutely breathtaking. Sunsets are another
reminder of how the sky is wild and free. It holds on
to nothing. No storms stay forever, and no storms
should stay in our hearts.
ACEKXNG is an online portfolio of
a twenty-two year old whose talent
and vision is much larger than the
twenty-one square mile island he
Aaron Phillips picked up his first
Canon camera at a young age and
has since then both captured and
developed his passion in a variety of
platforms ranging from: portraiture,
landscape and abstract photography
all the way to creative films and
36 | Truthmagazine
His admiration for photography
allows him to show an authentic
perspective to the way we see things.
They say a picture is worth a
thousand words–but the emotions
captured undoubtedly surpass that
Aaron hopes to use his gift as an
inspiration for others to be true to
themselves, see the world through
with an open lens and capture each
and every moment life provides.
The Kaela Kay woman is…a woman who wants to
stand out in a crowd, who wants to be heard over
all the voices, a woman who respects her heritage
and uses that to plan her future. She is a mother,
a wife, and a corporate worker. She is educated
and refined. She walks tall with her shoulders
back, and she knows her worth. Classless, brash,
and discourteous – she is not. She will play with
anyone, and laughs with everyone. She loves,
and she is loved. And she does all of this, looking
fiercely, gorgeous and perfectly distinctive in her
Kaela Kay dress.
Shop at: www.kaelakay.com
Truthmagazine | 37
My name is Jessica Chandrathasan and I consider myself to
be a rising leader in the arts industry. I enjoy photography
and design because of the creative freedom I can exercise.
I am a spontaneous individual that is always ready for a
“Find the reasons, lose the excuses, gain the results.”
My name is Naomi Adowa and I am
discovering and embracing myself
everyday. I am grateful for all the
experiences that come my way; that
makes me stronger. I love learning new
things, design, and reading thoughtprovoking
quotes/books. I hope to be
bold, unapologetic of my differences,
loving, and a light to many.
“Fear Is A Liar” - Unknown
My name is Krisika Suthan and I have
an eye for design.I am interested in UX
design and hope to branch out into
different types of design. I love hanging
out with my friends and enjoying the
simple things of life.
38 | Truthmagazine
The Experiences of an Addiction Counsellor - Richard Brown
Secular counseling is grounded in humanism, and most often
seeks to help a person adjust to difficult circumstances. The
processes may include client education, behavioral techniques,
and cognitive restructuring (changing one’s thoughts), just to
name a few. But the end goal will most likely be some type of
adaptation that provides symptom relief.
Christian counseling is grounded in the Bible, and most often
seeks to help a person embrace the pain of his experience
through a personal relationship with Jesus Christ. Many of
the processes will be similar to those employed in secular
counseling, but the motivation will be different. For example,
a Christian counselor may also employ cognitive restructuring
techniques, but the end goal for renewing the mind will be
a greater knowledge and enjoyment of God not based on
Professional counsellors – whether Christian or not –
understand that clients have the right to choose their
treatment goals. Both types of therapists, however, will most
likely offer some assistance in clarifying and evaluating what
the goal/s should be.
Practically speaking, the most effective therapy gets
underway when the therapist and client are in agreement on
the focus of treatment. This understanding will include a list
of “target” concerns, the frequency and durations of sessions,
the modality of treatment (office, telephone, etc.), therapeutic
assignments, and a clear understanding of knowing when
therapy should be concluded.
In my experience, some clients are prone to wanting to
accomplish too much in therapy with too little time. On the
other hand, some therapists are prone to recommending care
that exceeds their initial opinion. In any case, the therapist
who continually points the client to the sufficiency of Christ
– rather than pointing to himself or fostering an unhealthy
dependency on himself – bears the hallmark of Christian
I face the crises of various individuals on a day-to-day basis.
My goal is to walk with them from crisis to recovery. I thank
God that I have experienced many successes. I absolutely and
emphatically attribute any strength or success as an addiction
counsellor for over 17 years to the all-sufficiency I find in
Jesus Christ. Finding our peace in Christ is not some “pie in
the sky” mentality, but the life Christ has promised us. All too
often, however, we make our sense of peace conditional. “I
can’t be satisfied until …”
When nothing of life seems to make sense, I have learnt to rest
in the character of God and find peace with Him and within
myself. It is only then that I can offer peace to those whose
entire life experience seems to amount to one calamity after
the other. Paul suffered beatings, stoning, and shipwrecks,
and yet held to the sufficiency of his savior.
Praise be to the God and Father of our Lord Jesus Christ, the
Father of compassion and the God of all comfort, who comforts
us in all our troubles, so that we can comfort those in any trouble
with the comfort we ourselves have received from God. For just
as the sufferings of Christ flow over into our lives, so also through
Christ our comfort overflows. (2 Corinthians 1:3-5 NIV).
In counseling, both the client and counsellorneed to be willing
to grapple with the pain of life’s unanswered questions. In the
therapeutic process, weembrace not only the reality of their
experience, but the reality of God.
Each person will have his or her own opinion,
but for me, the therapeutic goals come in three
varieties: good, better, and best.
Good: Recovery. Getting healthier is always a good
goal. There is perhaps a problem or a condition that
needs to be improved or overcome.
Better: Learning to help other people by virtue of
your own experience can be a worthy therapeutic
goal. This type of altruism points not only to service,
but also to one’s better mental outlook.
Best: The best goal for counseling – or any other
pursuit – is clearly divine. The best goal is to know
and enjoy God. It is here, in our intimacy with God,
that Christ becomes the Wonderful Counselor and
Great Physician who makes us whole.
In a world filled with both challenge and opportunity,
counseling can be a logical choice for individuals, couples,
and families who wish to grow to the next level of faith and
well-being. The Bible speaks of the “safety” that exists among
counselors. My life goal as a counsellor is to pose the thought
that if you are experiencing ongoing crises, perhaps it’s time
to seek the safe harbor of counseling, and make a few repairs
before continuing your life’s journey.
Truthmagazine | 39