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Truth Magazine Issue 4 2019

Publication 4 encourage readers to not be afraid to live life. It is okay to fail. Just get up and get back in the race of life! Get on that motorbike and ride!!!

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T<br />

TRUTH MAGAZINE<br />

Live!<br />

ESSENTIAL OIL:<br />

COPAIBA<br />

By Diana Leshuk<br />

CELEBRATE RECOVERY<br />

By Pollyana Darrell<br />

HUMAN TRAFFICKING<br />

IN CANADA TODAY<br />

By Joy Smith<br />

HELPING SYRIAN REFUGEES<br />

By Vivien Fellegi<br />

The Happiness Myth<br />

By Dr. Caroline Leaf<br />

1


FEATURES<br />

LOOK OUT FOR<br />

02<br />

02<br />

The Happiness Myth<br />

When you begin to realize how impressive<br />

your mind is, you will be encouraged to<br />

persevere through challenges and develop a<br />

character of which you can be proud.<br />

Mindfulness<br />

10 Death was my BFF<br />

12 Poem: Resilience<br />

07<br />

15<br />

07<br />

31<br />

Celebrate Recovery<br />

CR is a 12-step Christ-centered program<br />

based on the eight principles of The<br />

Beatitudes in Matthew 5. It is a challenging<br />

and life-changing program designed to<br />

give participants the resources and tools<br />

necessary for life success.<br />

15<br />

Human Trafficking<br />

in Canada<br />

In Canada, the average entry age into this<br />

modern-day slave trade or trafficking is<br />

12-14 years of age. 93% of the trafficked<br />

victims in Canada are born Canadians.<br />

She Lives for Purpose<br />

We spend an enormous amount of time<br />

thinking about our future and our dreams<br />

that we forget to live in the present; we miss<br />

the enjoyment of the present.<br />

Career<br />

18 Beating the Odds:<br />

The Cyntoia Brown Story<br />

23 Single by Choice or Chance<br />

Culture<br />

26 Helping Syrian Refugees<br />

Wellbeing<br />

35 Essential Oil: Copaiba<br />

36 Benefits of Alkaline Water<br />

38 Poem: Life Lessons<br />

39 Zesty Zingy Zingiber Officinale<br />

31


OUR CONTRIBUTORS<br />

Welcome<br />

EDITOR-AT-LARGE<br />

Nadine Miller<br />

PUBLISHER & EDITOR<br />

Cheryl-ann Philip<br />

PRODUCTION & GRAPHIC DESIGN<br />

Francine Grey<br />

PROOF READERS<br />

Pollyana Darrell<br />

Cheryl-ann Philip<br />

HAIR STYLIST<br />

Genesis Hair Studio - Suzette Thomas<br />

PHOTOGRAPHY<br />

Jojo Smith<br />

ARTICLES<br />

Pollyana Darrell<br />

Cameron Murphy<br />

Karlene Millwood<br />

Diana Leshuk<br />

Maresa Cadienhead<br />

Naomi-Nicole Bramer<br />

Joy Smith<br />

Dr. Caroline Leaf<br />

Sandra Hylton<br />

Jackie Porter<br />

Life is fragile. Life is fleeting. It is wonderful to be afforded the<br />

opportunity to choose to live a life that will leave a positive<br />

impact upon someone else.<br />

Oftentimes, we choose to hold on to things and people tightly<br />

for fear of losing what we cherish. I challenge you to loosen<br />

your grip, trust God and live!<br />

Corrie Ten Boon a Dutch holocaust survivor penned these<br />

words:<br />

“Hold everything in your hands lightly, otherwise it hurts when<br />

God pries your fingers open.<br />

Worry does not empty tomorrow of its sorrow; it empties<br />

today of its strength.<br />

The measure of a life, after all, is not its duration, but its<br />

donation.”<br />

Jesus the Messiah said, “My purpose is to give them a rich and<br />

satisfying life.” Let’s capitalize and maximize the game of life<br />

and live!<br />

This edition focuses on the many ways people are celebrating<br />

and living a satisfying life.<br />

L-R Nadine Miller and Cheryl-ann Philip<br />

Copyright <strong>2019</strong><br />

1


The<br />

Happiness<br />

Myth<br />

By DR. CAROLINE LEAF


Mindfulness<br />

When you scroll through Instagram, it is evident we are all searching for happiness; a<br />

“happiness” that usually consists of us smiling in front of commodities like money, cars<br />

or even “likes” on a picture. Marketing ads for new products almost always mention<br />

“happiness” as an end goal, whether we are watching an advertisement for a new soda, new holiday<br />

or a new drug. Smiling, happy people stare at us from billboards as we drive to work or walk around<br />

our neighborhood—there is no escaping it; life is all about happiness…right? WRONG!<br />

When it comes to our mental health, our understanding of happiness has overtaken the human<br />

condition. Whereas previous generations saw grief, anxiety and even fear as natural parts of<br />

human existence, for many of us today these (very normal) human emotions are an anathema or<br />

curse. Sadness has almost become like a sin; often we are just told to “suck it up” or “don’t show<br />

it.” Indeed, many people are told there is something wrong with them biologically if they are sad<br />

for more than two months after losing a loved one, or if they are traumatised from a disturbing<br />

experience like war. What then is a “normal” grieving period? What is a “normal” response to<br />

violence and bloodshed?<br />

It is perfectly normal to be sad, unhappy<br />

or stressed at times—we should not be<br />

ashamed of these emotions.<br />

It is perfectly normal to be sad, unhappy or stressed at times—we should not be ashamed of these<br />

emotions. Rather than worrying about what we feel, we should ask ourselves why we feel this<br />

way, or what is the root of the emotion, and how we can work on finding healing. Don’t mask the<br />

unhappiness; try to understand and resolve it. Our mental struggles actually help us build stronger<br />

characters and make us more resilient. Pretending to always be happy, on the other hand, or feeling<br />

guilty for not always being happy, is dangerous and will not help us grow emotionally or mentally.<br />

Part of the issue is that we often don’t know who we are. While many people are given labels<br />

and told there is something intrinsically wrong with their brain because they are sad or unhappy,<br />

others are told that being themselves is not enough to make them happy, and “that is why you<br />

need to buy this product”. It is easy to see how, beneath all these conflicting messages, we don’t<br />

even know how to be satisfied discovering who we are, nor are we comfortable getting to know<br />

ourselves, with all the good and not-so-good bits. Yet we can hardly be “happy” if we don’t even<br />

know our own identity, as I discuss in my book The Perfect You. When we are rooted in a firm sense<br />

of our own belonging, we will find life more bearable, more interesting and more joyful despite<br />

periods of sadness!<br />

Discovering our unique, one-of-a-kind way of thinking is a challenge that can bring out the best of<br />

us. I have found repeatedly in my research, clinical experience and personal life that excitement<br />

rises when we adopt a positive attitude and persist in the face of a difficult task, which includes<br />

getting to know who we are! One of the greatest feelings in life is understanding something or<br />

completing an activity after a mental, and perhaps even physical, struggle. This leads to a sense of<br />

achievement as we rise to the challenge, contributing to our overall sense of pleasure, even if we<br />

are not always “smiling” and “happy” during the process.<br />

3 3


Mindfulness<br />

As a society, we have to redefine<br />

what happiness means and why it is<br />

important. As I discuss in my book<br />

Think, Learn, Succeed, happiness<br />

has more to do with a sense of<br />

inner satisfaction than external<br />

consumption—it is a mindset; a way<br />

of seeing and interacting with the<br />

world. It is not a commodity, nor is it<br />

dependent on our surroundings. It is<br />

not an end goal that we are trying to<br />

reach. It is the joy we have living the<br />

“meaningful, good life,” and revolves<br />

around our ability to choose to focus<br />

on the positive, to connect with others,<br />

and to have meaningful relationships<br />

in a community. Happiness is knowing<br />

where we belong and knowing why<br />

we are alive, regardless of what is<br />

going on in our life. It is not so much a<br />

smile as a state of being that includes<br />

moments of sadness, anger, grief and,<br />

paradoxically, unhappiness.<br />

Ways you can develop your<br />

Happiness Mindset<br />

1. FIND YOUR IDENTITY<br />

When you begin to realize how impressive your mind is, you will be encouraged to persevere through challenges and<br />

develop a character of which you can be proud. You can become the kind of person who, on your death bed, you will<br />

be happy that you lived, and lived well. In my book The Perfect You, I have included the cutting-edge, evidence-based<br />

neuroscientific, neuropsychological, quantum physics and other research, which I used in my clinical practice over the<br />

years to teach people how to find their identity again. I outline in a practical way, the importance of understanding your<br />

identity and how to develop a lifestyle of finding and developing your Perfect You—who you are at your core. The Perfect<br />

You can help you understand the science behind your character; that is, your capacity to think, feel and choose in a way<br />

that aligns with the unique design of your brain. Once you begin to understand who you are, you can improve the way you<br />

process and re-conceptualize the issues of life, your decision-making, your relationships; how you cope at work, school<br />

and at home; your sense of joy and purpose, and ultimately your mental health, which will enable you to function in and<br />

contribute to society.<br />

4


Mindfulness<br />

2. STIMULATE YOUR BRAIN<br />

Getting to the other side of a challenge brings a sense of happiness in the achievement and sets the stage for the next<br />

challenge with the addition of the new skills (aka new neural networks) you have gained from the challenge. Every day,<br />

think of ways you can challenge your brain, such as reading a difficult book for an hour or setting aside time in the day to<br />

learn a new language. For more information on memory building, see my book Think, Learn, Succeed.<br />

3. JOIN A COMMUNITY<br />

It is so important that we make the effort to connect with others in a meaningful and deep way, and get involved in our<br />

community, such as volunteering at a local non-profit, joining a book club or starting your own meet-up group. Indeed, I<br />

cannot emphasize enough the importance of the link between happiness and a community mindset, which I also discuss in<br />

my book Think, Learn, Succeed. Talking to someone about why you are feeling unhappy can help you find healing mentally<br />

and physically and being around others is a great way to feel happy and content in life. Our bodies respond positively when<br />

we become active members in a community. Why? Because, our mesolimbic dopamine system, (linked to addiction), lights<br />

up when we give to others, giving us a deep sense of pleasure. We are essentially hardwired to love and serve others!<br />

It is important to remember unhappiness is a normal part of life, and it does not mean you are a broken machine or have<br />

a disease. True happiness is a process, not a destination. It does not come from getting; rather it is based on giving and<br />

understanding yourself and your unique mind.<br />

5


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Asuccessful life is about resilience; the ability<br />

to return to your original self after being<br />

stretched, bent out of shape or compressed<br />

by the situations and circumstances you face. For<br />

most of us, we lack the necessary tools and resources<br />

needed to make that successful return. I recently<br />

discovered Celebrate Recovery(CR), a program that<br />

continues to assist me with my successful return to<br />

my original position.<br />

For eight years, Pastors Rob and Tania Meikle of<br />

Kingdom House Christian Centre in Brampton have<br />

been conducting Celebrate Recovery. It is one of<br />

the many ways Kingdom House is fulfilling its Vision<br />

Statement, “Transforming lives, fulfilling destinies.”<br />

CR is a 12 step Christ-centred program based on the<br />

eight principles of The Beatitudes in Matthew 5. It is<br />

a challenging and life changing program designed to<br />

give participants the resources and tools necessary<br />

for life success. As a graduate of the program, I can<br />

attest to the non-judgmental environment which<br />

lends to an unburdening of the soul; that allows you<br />

to realise that we all have struggles and we need not<br />

be ashamed or feel guilty. It provides a community<br />

of individuals sharing in each other’s joys, pains and<br />

struggles knowing that someone is praying with, and<br />

for you.<br />

Celebrate<br />

Graduates and current program leaders, Christopher<br />

and Jasmine Soodeen, shared their views of the<br />

program. In Chris’ words, “Celebrate Recovery allows<br />

you to see the real you; totally different from what<br />

others perceive you to be. It creates the opportunity<br />

for you to look deep inside yourself; to see beneath<br />

the surface of your hurts, habits and hang- ups.”<br />

RECOVERY<br />

7 7


Mindfulness<br />

For Jasmine, her CR journey exposed her deep struggles<br />

with trust. “I love Jesus and wanted to serve but it became<br />

impossible because I preferred not to deal with people. I<br />

kept blaming people for the mistakes others made.” She<br />

acknowledges that when she began dealing with the root<br />

causes of the issues, her thinking, perspective, attitude,<br />

behaviour and actions changed and soon she began to see<br />

significant changes in her life and relationships.<br />

The end of the 26-weeks program is more like the beginning<br />

of your recovery journey. Recovery in this context is not a<br />

perfected state; it is on going and so is the celebration; you<br />

continue to celebrate as you recover components, parts and<br />

sometimes bits and pieces of the jigsaw puzzle of your life<br />

with resilience.<br />

By POLLYANA DARRELL<br />

Christopher & Jasmine Soodeen<br />

Celebrate Recovery<br />

Start Date | Monday October 21st at 7pm<br />

Register Online | kingdomhousecc.churchcenter.com<br />

Contact | cr@kingdomhouse.com<br />

Kingdom House Christian Centre | 40 Holtby Ave, Unit 3A, Brampton, ON<br />

8


Mindfulness<br />

Celebrate Recovery<br />

Testimonials<br />

CARL HERMAN<br />

“My life is forever changed because of Celebrate<br />

Recovery. I have learnt to forgive myself and others;<br />

make amends for wrong actions, attitudes, behaviours,<br />

whole hearted confessions and engage in chainbreaking<br />

prayers! John 8:36, “Therefore, if the Son<br />

makes you free, you shall be free indeed.” This has been<br />

my experience as I walked through this program.”<br />

CHANTELLE GRANT<br />

“I struggled with issues of self-worth and identity that<br />

stemmed from rejection and abandonment. Guilt<br />

and condemnation led to bouts of deep depression<br />

and I was diagnosed as manic depressive. Celebrate<br />

Recovery provided me with the opportunity to have a<br />

relationship with Jesus Christ. Romans 8:38, “For I am<br />

convinced that neither death nor life, neither angels<br />

nor demons, neither the present nor the future, nor any<br />

powers, neither height nor depth, nor anything else in all<br />

creation, will be able to separate us from the love of God<br />

that is in Christ Jesus our Lord.”<br />

SHERRI SANJURJO<br />

“I was a very walled, guarded and emotionally unavailable<br />

individual until I attended Celebrate Recovery. CR was<br />

a healing process of handing over or surrendering my<br />

hurts, habits and hang-ups over to God. It was painful<br />

and uncomfortable at times but was nevertheless<br />

bathed and saturated in love, forgiveness, and grace<br />

from God. Thank God for CR!”<br />

WALDEN MADEIROS<br />

“I came into Celebrate Recovery with the hope of<br />

receiving help with my anger issues and God delivered<br />

me from habits, behaviours and thinking patterns that<br />

had become strongholds. God continues to strip away<br />

areas of my old self while bringing me freedom in my<br />

heart and my mind and allowing me to grow more and<br />

more in the image and likeness of God.”<br />

9


10<br />

DEATH<br />

was myBFF


Mindfulness<br />

At 6 years old, I dreamt I witnessed my own death at<br />

28 years young. For 22 years, this dream replayed<br />

once per month, 12 times per year. There was no<br />

change in the sequence or the ending and so it became the<br />

story of my life. In time and with its regularity, I believed it to<br />

be true and imminent so I prepared for it. It directly shaped<br />

how I lived for 28 years.<br />

Inevitably, I made friends with Death or “Big D” as I nicknamed<br />

him- we became best buds, BFFs really! Our friendship<br />

coloured how I saw things – how I interacted with the world.<br />

My thoughts and the choices were all based on, “What if I<br />

died today?” If we (Death and I) had shared a moment with<br />

someone, I would think, “Let me hug you when I’m leaving<br />

because what if I died tonight?” Death truly distorted the lens<br />

Celebrate Recovery<br />

allowed me to understand<br />

how much my relationship<br />

with death permeated<br />

every area of my life,<br />

imprisoning me.<br />

through which I saw and functioned in the world.<br />

Celebrate Recovery allowed me to understand how much<br />

my relationship with death permeated every area of my life,<br />

imprisoning me. Gradually, I understood all the ways Death<br />

showed up; all the ways I believed it to be my reality and all<br />

the ways I worshiped at its feet. CR allowed me to look at my<br />

life again and learn how to live rather than die.<br />

Recently, an incident occurred that would have been<br />

understood, prior to CR, as a confirmation from my old friend<br />

death however, after having walked through the process of<br />

CR, it is a confirmation of life.<br />

One evening, exhausted, tried, and feeling quite stretched,<br />

I decided to visit my favourite Indian restaurant for some<br />

comfort food before heading home. I would usually order<br />

in advance but for some reason that day I didn’t. I thought<br />

it was late and it shouldn’t take too long; I’ll just go and grab<br />

some food, go home and relax- shed the trials of the day. I got<br />

there, parked my car and reached for my wallet and then I<br />

remembered...oh gosh!!! I have no money!<br />

(Earlier in the week, I had the shocking realization that I had<br />

overspent and there was no money in my account- like literally<br />

nothing. I was now upset, well, more irritated by the lack of<br />

control it indicated.) I’m here at my favourite restaurant; I’m<br />

hungry and without any money. I start mulling this over...ok...I<br />

could put this on credit. It’s been a rough day; I deserve some<br />

good comfort food; I could push it- is my overdraft maxed out?<br />

But there is this strong rising thought: “...No, I have no money.<br />

This is my reality; I need to live in that. Whether I like it or<br />

not, my choices have landed me here and it is the place I find<br />

myself right now. Choose to live in your reality not what you<br />

wish it were.”<br />

CR taught me if I sweep my voice or my truth under the rug or<br />

hold my tongue, that feeling or truth will mutate or evolve just to<br />

find a means of expression - it will find a way to get out into the<br />

light. After what seemed like an eternity, I looked at the time<br />

and it was 10:15 pm. Reluctantly and sadly I drove myself<br />

home without the food.<br />

I arrived home and my Mom says to me, “Did you hear there<br />

was a bombing at your favourite restaurant tonight? The<br />

News says it happened around 10:18pm…” (What??!! I just left<br />

there!!)<br />

Had I gotten the takeout food, by any means necessary, I<br />

would have been right there when the bomb was dropped. In<br />

the face of all that happened how can I question that God’s<br />

hand is over my life and that He has chosen life for me? Praise<br />

God! I made it past my 28th birthday!<br />

I now have the opportunity to tell an unusual story of my life;<br />

of living Sandra who declares the goodness and works of the<br />

Lord in the land of the living.<br />

By SANDRA HYLTON<br />

11


Resilience<br />

The battered Cherokee blazed into the parking lot; rusty, dusty and loud;<br />

Huddled in the back amidst bulky, lumpy baggage, three pretty little girls-<br />

A closer look revealed a wide-eyed infant bundled in a faded car seat;<br />

Her head wrapped in black, the driver loudly and impatiently tooted the horn in the almost<br />

still parking lot- Who is she? Where had she come from and – where is she going? Is the van a<br />

reflection of her life- rusty, dusty, battered and loud?<br />

Full of baggage andbulk<br />

andpeople<br />

dependent on her?<br />

A younger version of herself emerges from Burger King<br />

Dressed in uniform; drinks and greasy paper bag hugged by club-like chubby hands, wriggles<br />

into the front seat.<br />

They chomp; they slurp; they chatter while the baggage in the back salivate and mutter-<br />

Who is she? Where has she come from and-<br />

Where is she going? It’s a hot, humid Sunday afternoon!!! –<br />

Maybe she was on the job- a caregiver for children? Or-<br />

Maybe doing a good deed for a friend-<br />

Maybe running her own errands and taking a break to grab a bite-<br />

The ruckus coming from the back causes her to scream and choke on her coke.<br />

She sputters; becomes pink in the face; turns and slaps the one closest to her<br />

- an audible hush ensues-<br />

Who is she? Where did she come from and where is she going?<br />

I would like to meet her- hear her story- listen to how she manages with the almost-broken<br />

down van and the rambunctious imps in the back - the working teenager in uniform?<br />

Is that all there is to her life?<br />

Perhaps she will spin an incredible yarn of the van being someone else’s;<br />

- she is helping out her single-mother daughter with her kids-<br />

Perhaps she will tell me her daughter needed to go away for some most needed R & R;<br />

it wasn’t by choice.


Her hands and mouth wiped clean of the grease,<br />

the teenage re-enters the joint and emerges yet again<br />

with smaller but still greasy portions for the subdued ones in the back.<br />

Break’s over!!!<br />

The battered van blares out into the congested street again-Who is she? Where did she come<br />

from and- where is she going?<br />

She is from a generation of subdued and subjugated, whipped women,-<br />

Pushed down and<br />

– pushed aside and<br />

- pushed away;<br />

Never celebrated; never told or shown her worth so-<br />

Just maybe the van is a reflection of her life?<br />

She has carried so many others for a long time- her siblings,<br />

her children, her own parents, her husband, her friends<br />

while she does her best to survive;<br />

no consistent maintenance here only necessary, minimum repairs;<br />

no time for body work or winterisingthe<br />

loudness of the exhaust lost in the din and humdrum of life<br />

just another one needing overhauling.<br />

Don’t you dare judge her.<br />

There is more to her than you see or understand<br />

‘cause under the hood, that sputtering engine is roaring to fulfill destiny.<br />

If you knew her you would know that - despite awful and sometimes abusive relationships, her<br />

capacity to love and nurture and care for others did not wane<br />

If you knew her you would know her persistence, 0bstacles and opposition pushed her to<br />

hone and carve and fine-tune her character.<br />

If you only knew her, you would know that her resilience has hoisted her higher than she has ever<br />

fallen andwhat<br />

sounds like a cacophony to you is her symphony of lifeliving<br />

out loud -full of love and laughter.<br />

By POLLYANA DARRELL<br />

13


Mindfulness<br />

IN CANADA TODAY<br />

William Wilberforce once said, “You may choose to<br />

look the other way, but you can never again say you<br />

did not know.” How true!<br />

There is an estimated 30 million people enslaved through<br />

sexual exploitation and forced labor in the world today. The<br />

sex trade brings in a global value of $32 billion. The U.S.<br />

Department of Health and Human Services states, “After<br />

drug dealing, trafficking of humans is tied with arms dealing<br />

as the second-largest criminal industry in the world.” This is<br />

the modern-day slave trade and it happens in cities, towns<br />

and rural areas all across Canada every single day. To this end,<br />

Bill C-268 and Bill C-310 of the Canadian Criminal Code have<br />

seen some significant amendments through the tireless and<br />

relentless work of MP Joy Smith (Kildonan, St. Paul Riding,<br />

Manitoba.)<br />

The amended section of Bill C-268, Section 279.01dictates a<br />

new mandatory five-year sentence as penalty for those who<br />

commit the offence of Child Trafficking(persons under the age<br />

of 18 years). Secondly, Bill C-310amended the Criminal Code<br />

to add the current Trafficking in Persons offences to the list of<br />

offences which, if committed outside of Canada by Canadians<br />

or permanent residents, could be prosecuted in Canada. This<br />

second amendment enhances the definition of exploitation in<br />

the Trafficking in Persons offence(Section 279.04).Individuals<br />

are convicted of human trafficking offences where forcible<br />

confinement, sexual assault, procuring and conspiracy are<br />

elements in the cases.<br />

In Canada, the average entry age into this modern-day slave<br />

trade or trafficking is 12-14 years of age. 93% of the trafficked<br />

victims in Canada are born Canadians. Slavery occurs when<br />

one person completely controls another person(s), using<br />

violence or the threat of violence, to maintain control, exploits<br />

them economically and they cannot walk away.<br />

Victims of trafficking are obtained by location and method.<br />

The locations where traffickers target their victims can be in<br />

a social situation, in a public place, in a residence or a shelter,<br />

in a bar or a club, or at a sports event. The methods they use<br />

are romantic overtures, force or abduction, fake job offers,<br />

or acting as a benefactor. The traffickers target their victims,<br />

gain their trust initially and then groom them to be trafficked<br />

and make money for them. After they have control over them,<br />

the threats and brutality become an everyday occurrence.<br />

This is an example of what happens every day. A group of girls<br />

attended summer sports events at their local community<br />

center. Three cute guys showed up and began to show a great<br />

15


Mindfulness<br />

deal of interest in them. The girls were 14 and 15 years old.<br />

The guys were three and four years older. They engaged with<br />

the girls in their sports and in conversation. Unaware to the<br />

girls, their grooming had begun. Soon they were telling these<br />

young girls how beautiful they were. It was not long before<br />

the guys were asking them out on dates and persuading<br />

them to lie to their parents about where they were going.<br />

The girls were coached to say they were going to a friend’s<br />

house for sleepovers, when in actual fact they were going to<br />

parties with their new boyfriends. The (traffickers)boyfriends<br />

It all changed one night when their “boyfriends” demanded<br />

they be paid back for the gifts, and the fancy dinners at<br />

high-end restaurants. The girls initially said no, but after the<br />

beatings and the threats, they complied with the traffickers’<br />

wishes.<br />

It did not end well. One girl jumped off a bridge to end her<br />

life one cold December day right before Christmas. She could<br />

not stand how her parents rejected her, or how she lost her<br />

school friends, or the horrors she lived everyday at the hands<br />

Human traffickers target the youth because they<br />

are easy to persuade; easy to intimidate and scare.<br />

did things to them they had never experienced before. They<br />

told them things they had never heard before, and with the<br />

showering of gifts, gold chains and fancy restaurants,the girls<br />

thought they had met the men of their dreams.<br />

of her traffickers. By the grace of God she lived, but she broke<br />

every bone in her body when she landed on the ice. She spent<br />

a year in hospital learning how to walk again. Today, she still<br />

suffers from the physical and mental pain of her ordeal. The<br />

other girls disappeared and have not<br />

been found to this day.<br />

Traffickers make between $260,000-<br />

$280,000 per victim per year. That is<br />

why they engage in this horrible crime<br />

against our youth. Human traffickers<br />

target the youth because they are<br />

easy to persuade; easy to intimidate<br />

and scare. They earn them a lot of<br />

money, very fast. Many young girls (and<br />

boys) develop a Stockholm syndrome,<br />

much like abused women do with<br />

their abusive spouses. Often,all the<br />

trafficked victim’s support systems<br />

are gone...their parents, and their<br />

friends. Young survivors take years<br />

making up for their lost education, and<br />

recovering from the addictions they<br />

inevitably acquired to cover up the<br />

pain. Often survivors’ families suffer<br />

greatly by blaming themselves because<br />

their daughter or their son got caught<br />

up in this horrific life style. Parents,<br />

grandparents, siblings, friends, or the<br />

victims should never blame themselves.<br />

16


Mindfulness<br />

The blame lies solely on the shoulders of the predators alone.<br />

I know one human trafficker who “educated” others on how<br />

to become a successful trafficker. One of his methods was to<br />

drive his new recruits past school grounds and say, ”See those<br />

kids? Don’t look at them as kids. Look at them as ATMs.”<br />

Parents and teachers should be aware of the signals that<br />

suggest a young person is being groomed. If the youth talks<br />

about expensive restaurants that she is being taken to or,<br />

has/carrying two cell phones or,suddenly begins to wear<br />

expensive gold chains or designer clothes they cannot afford;<br />

if she often has unexplained cuts and bruises and explains<br />

them away. These are some signs that the youth is being<br />

groomed. No school-aged young man can afford to take his<br />

girlfriend to expensive restaurants. McDonald’s,Tim Hortons,<br />

Starbucks, or some other reasonable coffee house is usually<br />

on the menu. Expensive restaurants are not affordable for<br />

them. Fancy expensive gold chains and new designer clothes<br />

are also far too expensive for the average young guy to<br />

purchase for his girlfriend, yet traffickers do it all the time.<br />

Education is our greatest weapon against this horrific crime.<br />

My education on this issue started in Parliament. It has<br />

resulted in my passion and commitment to make a difference<br />

in our key legislations to further combat human trafficking<br />

and protect the victims. Canadians must become acutely<br />

aware that human trafficking happens on Canadian soil every<br />

day.<br />

I credit the survivors for working with me and telling their<br />

stories. I give God the glory, because it is not possible to pass<br />

laws in a minority government. I’ve seen many miracles. Only<br />

God can do these miracles, all we have to do is be willing to<br />

obey His call.<br />

Joy Smith, B.Ed M.Ed<br />

Former Member of Parliament<br />

Founder and President<br />

The Joy Smith Foundation Inc.<br />

www.joysmithfoundation.com<br />

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17 17


Career<br />

BEATING THE ODDS<br />

The Cyntoia Brown Story<br />

18<br />

“Y<br />

es. [I cut my hair because] I don’t wanna be pretty anymore. Beauty attracts<br />

trouble and it’s just not worth it.”<br />

This is the voice of a woman resigned to her fate; the hand that life dealt her through a<br />

flawed justice system. At age sixteen, Cyntoia Brown was sentenced to life in prison for<br />

killing Johnny Allen, a 43-year-old man who solicited and hired her for sex. Brown was<br />

tried as an adult and given a harsh sentence that would have her serve 51 years before<br />

being eligible for parole.<br />

What led Cyntoia Brown to this place at such a young age? Cyntoia’s life was fraught<br />

with trouble even while she was in the womb. Her mother would consume dangerous<br />

amounts of liquor every day, which experts testified had an effect on Cyntoia’s cognitive<br />

abilities. She was given up for adoption at six months and experienced abuse from her<br />

adopted father. As a result, she ran away and ended up on the streets where she met<br />

Cut Throat, a 23-year-old man with whom she started a sexual relationship and who<br />

subsequently forced her into prostitution.


Career<br />

“He would explain to me that some people were born whores<br />

and that I was one, and I was a slut, and nobody’d want me but<br />

him, and the best thing I could do was just learn to be a good<br />

whore,” Brown explained.<br />

When we read stories like these, it may affect us emotionally<br />

for a moment but, unless or until we’ve had similar<br />

experiences we’ll never truly understand the depth of the<br />

emotions of the victims. Cyntoia Brown found herself in a<br />

place of hopelessness and despair. The systems that had<br />

been setup to protect her victimized her instead and left her<br />

with nowhere to turn and with limited options. She lost her<br />

identity, self-worth, value, and significance and preferred to<br />

become invisible. She didn’t want to be noticed and resorted<br />

to hiding in plain sight. Not everyone will understand. Not<br />

everyone can relate.<br />

I can.<br />

identity. I never really had one before so I thought now would<br />

be a good time to get one.”<br />

Her situation seemed very cut and dried but often times God<br />

is hidden in the details. The true essence of resilience is finding<br />

an opportunity in the direst of circumstances and using it<br />

to rise above the situation. Not only did Cyntoia embark on<br />

discovering and defining herself, but she also completed her<br />

high school education and successfully pursued an associate’s<br />

and a bachelor’s degree while in prison.<br />

God’s plans for our lives are much different than man’s. He<br />

chooses things that seem powerless to shame those who are<br />

powerful. (1 Corinthians 1:27b).<br />

God always has someone positioned as our destiny connector<br />

who shows up when all hope seems lost. Just ask Joseph. After<br />

being abused and sold into slavery by his jealous brothers,<br />

When victims of abuse are further victimized<br />

by those who should be protecting them it causes<br />

devastating consequences in their lives.<br />

My own struggles with the after effects of sexual molestation<br />

and emotional abuse once led me to a similar place. It was a<br />

dark period in my life which was reflected in the color and<br />

style of clothes that I chose to wear back then. Like Cyntoia,<br />

I felt that my beauty was a curse and resorted to covering<br />

myself in extremely baggy, black clothes. Every day. When I<br />

got the courage to tell my mother about the molestation she<br />

called me a liar and vowed never to speak to me again. To her<br />

credit, she apologized and asked for my forgiveness a few<br />

months before she died in 2011.<br />

When victims of abuse are further victimized by those who<br />

should be protecting them it causes devastating consequences<br />

in their lives. They lose their sense of identity, are often<br />

haunted by the guilt and shame of being manipulated and<br />

controlled, and some may even struggle with post-traumatic<br />

stress disorder (PTSD).<br />

In her own words, Brown confessed that she had no sense of<br />

identity. She said, “I decided that while I’m in here I’d find an<br />

Joseph later found himself incarcerated because of a vicious<br />

lie from a conniving woman.<br />

While imprisoned, he met two men, one of whom promised<br />

to entreat Pharaoh on his behalf. When it seemed like he’d<br />

been forgotten, the moment that suddenly altered his destiny<br />

forever, arrived. The doors opened and he was brought to<br />

Pharaoh who promoted him to his place of power, purpose<br />

and prominence.<br />

Dan Birman, a professor from the University of South<br />

Carolina, is one of Cyntoia’s true advocates and a destiny<br />

connector of sorts. His documentary, Me Facing Life:<br />

Cyntoia’s Story, was pivotal in shedding light on her case. The<br />

documentary, compounded with the attention of several<br />

A-list celebrities, put pressure on Tennessee’s governor, Bill<br />

Haslam to overturn the verdict against Cyntoia. It worked.<br />

After careful deliberation, Tennessee changed its law to forbid<br />

harsh sentences for victims of the sex trade. In addition, the<br />

19


Joie de Vivre<br />

Nadine Miller and<br />

Cheryl-ann Philip seized<br />

the moment, enjoying a<br />

beautiful day at Lakeview<br />

Park in Oshawa, Ontario.


Section<br />

21


Career<br />

Continued from page 19<br />

Law Society was pushed to clarify its ruling when sentencing<br />

victims convicted of first-degree murder, and finally as his<br />

last act before leaving office, the governor granted Cyntoia<br />

clemency.<br />

“The Lord has held my hand this whole time and I would never<br />

have made it without Him,” Brown wrote in response to the<br />

decision, adding that she is committed to living the rest of her<br />

life helping others.<br />

Already she has emerged as a leader among the inmates<br />

by using her life experiences as a platform to mentor other<br />

women in the prison and plans to continue mentoring after<br />

her release. She no longer wants to hide behind the veil of<br />

obscurity. She has harnessed the power within and turned her<br />

pain into purpose. With God’s help and that of a few distant,<br />

yet good friends, she has beaten the odds and emerged<br />

victorious. The doors have now been opened for Cyntoia-<br />

From limited options to limitless possibilities.<br />

From an identity crisis to having a sense of purpose. From<br />

powerless to powerful.<br />

After 15 years of a life sentence, Cyntoia was released under<br />

supervision in August and I’m sure the best is yet to come.<br />

By KARLENE MILLWOOD<br />

22


SINGLE BY CHOICE OR CHANCE<br />

A Man Is Not A Plan And<br />

Other Hard <strong>Truth</strong>s<br />

Charlotte is a single woman who likes the finer things in<br />

life. She loves dining at nice restaurants and drinking<br />

fine wine. She loves the arts. She loves to travel.<br />

Charlotte also enjoys her career as a Television producer. It<br />

has provided her with a very comfortable lifestyle.<br />

Time is running out for Charlotte. Even though she is 57,<br />

Charlotte admits she has never felt comfortable making<br />

decisions around her finances. It has created a lot of anxiety<br />

for her over the years. Charlotte could never figure out if she<br />

was doing the right things with her money and consequently,<br />

did not save very much.Should she put money in a TFSA, or<br />

RSP? Should she pay off debts or save? She is also afraid to<br />

lose money investing in the markets. Charlotte doesn’t know<br />

where to start. It was easier to just not deal with it. She<br />

decided she would spend time pursuing her many interests<br />

instead. Charlotte knows she has not saved much for her<br />

future and now as she approaches her 58th birthday, she<br />

is starting to wonder if she will ever be in a position to slow<br />

down anytime soon.<br />

Samantha 46, is a married woman, who met her husband<br />

Barry in university. She fell in love with Barry soon after they<br />

met. It just felt right. Barry wanted to start a family as soon as<br />

he finished school. Shortly after, he asked her to marry him.<br />

He promised to take care of her. She wanted to be his wife,<br />

start a family and create a home life for them. For many years<br />

Barry kept his promise and took very good care of Samantha.<br />

23


Career<br />

Then one day, he broke his promise and left Samantha and<br />

their two kids to fend for themselves after squandering the<br />

family’s assets.<br />

Why Financial Resilience?<br />

It is becoming increasingly urgent for women to become more<br />

engaged with their finances especially since women outlive<br />

men by four years and are two times more likely to end up in<br />

poverty at retirement. Women are also marrying and having<br />

children later, yet we are still earning less than men. The<br />

truth is, we can no longer afford what ignoring our finances is<br />

costing us. The women in this story are vulnerable - and they<br />

know it. They have not embraced financial resilience. Although<br />

Charlotte earns her own money, her lack of knowledge<br />

around money has made her bury her head in the sand. She<br />

has avoided having a money conversation with herself, and<br />

has no idea if she will be able to maintain the lifestyle she has<br />

worked so hard to create. Samantha on the other hand, never<br />

thought she would have to face taking care of herself and two<br />

children, on her own. Without a source of income, Samantha<br />

decided to move in with her parents. She is now going back to<br />

school to finally finish her nursing degree.<br />

How can women like Charlotte become more<br />

financially resilient?<br />

1. Ask for referrals and find a trusted advisor who can help<br />

you to “know your numbers”.<br />

2. Advocate for yourself. Have an honest conversation with<br />

yourself about your financial worries.<br />

3. Commit to learning more about money through books and<br />

seminars.<br />

By JACKIE PORTER<br />

This quick, practical read, focused on various aspects of later life<br />

stages for single women, has enough common sense advice to<br />

benefit single men too.<br />

— Mark Venning, Change Rangers<br />

If you are over 45, single by choice or chance, living in Canada<br />

today and are examining the options for your future, this book is<br />

for you. The path you take depends on your preparedness, from<br />

where you will live to how best to cope with aging parents and how<br />

you will address your own financial future.<br />

This book will assist you in designing a life plan that<br />

encompasses not only financial goals but also your other life<br />

priorities—such as career, relationship and other personal goals.<br />

Read on to find your own path to a happy, healthy and financially<br />

stable longer life.<br />

Jill O’Donnell, BA, RN, has been a trailblazer and trendsetter in<br />

the field of eldercare management in Canada since 1981. She is the<br />

Director of Jill Cares, a division of SPARK DIRECT HEALTH. Jill<br />

is co-author of The Canadian Retirement Guide and The Retirement<br />

Guide (USA) and a memoir, Searching for Robert.Finding Andrew.<br />

She is a well-known presenter at international, national, regional<br />

and local conferences on aging.<br />

Jackie Porter, BA, CFP is a financial advisor, helping families,<br />

businesses and professionals for over 19 years. She is a featured<br />

speaker and advocate for numerous corporate, non-profit and<br />

charitable organizations.<br />

INSOMNIAC PRESS<br />

Canada $19.95 • U.K. £16.95 • U.S.A. $19.95<br />

Cover design by Mike O’Connor • Cover image by iStockphoto.com<br />

O’Donnell & Porter<br />

SINGLE BY CHOICE OR CHANCE<br />

INSOMNIAC PRESS<br />

To help (Canadian women over 45) plan for a fulfilling life on their own,<br />

authors Jill O’Donnell and Jackie Porter give advice on how to age<br />

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— Ellen Roseman, personal finance writer and continuing education<br />

instructor.<br />

SINGLE BY CHOICE<br />

OR CHANCE<br />

The smart woman's guide<br />

to living longer, better<br />

Jill O’Donnell & Jackie Porter<br />

24


Helping Syrian Refugees<br />

BAYAN KHATIB FINDS HER TRUE CALLING<br />

Syrian Canadian Foundation Executive Director Bayan<br />

Khatib knows what it’s like to feel utterly lost.<br />

When Khatib was a baby, her father, a Syrian political prisoner,<br />

escaped and fled to the United States of America with her<br />

mother, leaving her behind with grandparents. By the time<br />

they reclaimed her, the couple had three more children.<br />

Khatib’s brother, jealous of the new arrival, wanted her to<br />

know that she wasn’t welcome.<br />

Shortly after reuniting with her family in Denver, seven-yearold<br />

Khatib followed her brother into an elevator. Having grown<br />

up in Syria, Khatib had never encountered one before. Her<br />

brother pressed the up button and darted out. When Khatib<br />

arrived at the top floor, she was completely disoriented,<br />

and cried until a resident took her back downstairs. “That<br />

exacerbated the sense of not belonging,” she says. “Even my<br />

brother (didn’t) want me.”<br />

Her parents couldn’t help. Her father, tormented by memories<br />

of torture, was “difficult,” while her depressed mother had<br />

little to give. “I felt really neglected,” says Khatib. The once<br />

exuberant girl withdrew into herself and barely opened her<br />

mouth.<br />

An Arabic memoir, Just Five Minutes: Nine Years in the Prisons<br />

of Syria written by a Syrian political prisoner (who had been<br />

confined to the same prison as Khatib’s father), shook her<br />

26


Culture<br />

to the core; it galvanized her into activism. “It was my first<br />

time being exposed to details of the insane human rights<br />

violations in Syria, that had affected my family,” says Khatib.<br />

The professional writing student spent the next five years<br />

translating the book painstakingly into English, to widen its<br />

reach.<br />

When the revolution against the tyrant Assad erupted in<br />

2011, Khatib became the media relations person for the<br />

Syrian opposition. “That was when I had to come out of my<br />

shell,” she says.<br />

But it wasn’t until the Syrian refugees arrived in Canada that<br />

Khatib found her true calling. In December 2015, she entered<br />

the Toronto Plaza Hotel (where many were housed initially) to<br />

a scene of utter mayhem. Mothers clutching babies without<br />

diapers huddled anxiously in the lobby, while barefooted<br />

children ran around them, squealing. Khatib understood what<br />

they were going through. “I remember ... this new confusing<br />

world, you don’t know how to fit in,” she says.<br />

“It was my first time being<br />

exposed to details of the<br />

insane human rights<br />

violations in Syria, that had<br />

affected my family”<br />

Since the settlement agencies were overwhelmed, Khatib<br />

rallied the Syrian-Canadian community for volunteers to<br />

connect the newcomers with Arabic-speaking doctors,<br />

housing, and ESL tutoring. The Syrian Canadian Foundation<br />

(SCF), co-founded by Khatib, also focuses on empowerment<br />

by offering Syrian refugees mental health education, women’s<br />

wellness programs, and networking dinners with potential<br />

employers.<br />

The organization has more recently developed arts-based<br />

initiatives to foster self-expression. Khatib organized a<br />

creative writing group since writing has always been cathartic<br />

for her. “It’s like therapy–you put the pieces together and<br />

suddenly your thoughts make sense,” she says. Students<br />

Bayan Khatib<br />

read their stories aloud during workshops, and receive<br />

constructive feedback. “The first step to healing is ... to feel<br />

heard,” she says.<br />

The SCF has also run theatre-based approaches for refugees<br />

exploring integration issues and taught youth photography<br />

through Flash Forward Photo Voice to help them document<br />

their adjustment to emigration through photos, which will be<br />

showcased at an upcoming exhibit.<br />

While Khatib’s organization supports the most vulnerable<br />

refugees, it also champions extraordinary newcomers, like<br />

Syrian wheelchair Table Tennis champion Dema Dahouk.<br />

Khatib raised over $10,000 to fund Dahouk’s participation<br />

in tournaments and to hire her an elite coach. Dahouk<br />

has already won two tournaments and is on the path to<br />

qualifying for the Paralympics. “It’s important for Canada to<br />

see ...examples of refugees ....contributing back to Canadian<br />

society,” says Khatib.<br />

Khatib gets back as much as she gives. Her work with refugees<br />

helped her understand her own parents’ struggles and come<br />

to grips with her past. “I learned so much about my family just<br />

from watching the newcomers.”<br />

Witnessing her organization grow from a handful of<br />

volunteers into a professional enterprise which has served<br />

over a thousand clients, has also boosted her confidence.<br />

“Seeing it come to life makes me feel that it’s possible to...<br />

achieve whatever I put my mind to,” says Khatib.<br />

First published in canadianimmigrant.ca [Author: Vivien Fellegi]<br />

27


BMO Nesbitt Burns<br />

Five Tax Ideas for the<br />

Remainder of <strong>2019</strong><br />

Below you will find concepts that could help you save taxes, increase<br />

your net worth, and position you for financial success in <strong>2019</strong>.<br />

1. Start tax planning now<br />

Many investors wait until year end before<br />

thinking about how to reduce their annual<br />

tax bill. As a result, they often miss out on<br />

available tax planning opportunities. Tax<br />

planning should be a year round activity in<br />

order to maximize the savings opportunities<br />

available to you. Feel free to email me at<br />

cameron.murphy@nbpcd.com for a copy<br />

of our <strong>2019</strong> Personal Tax Calendar, which<br />

summarizes important tax deadlines and<br />

provides some tax planning tips for you to<br />

consider throughout the coming year.<br />

2. Make your RRSP and TFSA<br />

contributions<br />

Making regular Registered Retirement<br />

Savings Plan (RRSP) contributions is one of<br />

the best ways to ensure you save enough<br />

for your retirement. If you’ve already made<br />

your 2018 RRSP contribution, consider<br />

making your <strong>2019</strong> RRSP contribution early,<br />

instead of waiting until 2020, in order to<br />

maximize the tax deferred compounding<br />

inside your RRSP. The maximum RRSP contribution<br />

available for <strong>2019</strong> is $26,500.<br />

The benefits and flexibility provided by a<br />

Tax-Free Savings Account (TFSA) make it<br />

ideal for saving for multiple financial goals.<br />

The TFSA contribution limit for <strong>2019</strong> is<br />

$6,000. Unused contribution room – dating<br />

back to 2009 when TFSAs were first introduced,<br />

or the year you turned 18 – carries<br />

forward and can be used in a future year.<br />

You may want to consider gifting funds to<br />

your spouse or common-law partner, or<br />

adult children to allow them to contribute<br />

to their own TFSA (subject to their personal<br />

TFSA contribution limit). Income earned<br />

within their TFSA will not be attributed back<br />

to you.<br />

3. Reduce tax with income-splitting<br />

Under our tax system, the more you earn,<br />

the more you pay in income taxes on<br />

incremental dollars earned. With this in<br />

mind, it may make sense to spread income<br />

among family members who are taxed at<br />

lower marginal rates in order to lower your<br />

family’s overall tax burden, subject to the<br />

income attribution rules. Some of the more<br />

common income-splitting strategies to<br />

consider include:<br />

• An interest-bearing loan at the prescribed<br />

interest rate to family members<br />

in a lower tax bracket. This strategy is<br />

particularly attractive because rates are<br />

currently at historically low levels;<br />

• Pension income-splitting between<br />

spouses (or common law partners);<br />

• Gifts to adult children or other adult<br />

family members (other than a spouse or<br />

common-law partner); and<br />

• Gifts to a minor child – directly or through a<br />

trust structure – to acquire investments that<br />

generate only capital gains.<br />

Let’s connect<br />

Cameron Murphy, BBA (Hons), CIM<br />

Investment Advisor<br />

BMO Nesbitt Burns<br />

905-681-2829<br />

cameron.murphy@nbpcd.com<br />

www.cameronmurphy.ca


BMO Nesbitt Burns – Five Tax Ideas for the Remainder of 2018 continued...<br />

4. Reduce the amount of withholding tax from<br />

your paycheque<br />

While many consider an income tax refund to be a windfall<br />

of sorts, a refund means you’ve given the government a<br />

tax-free loan during the year. A tax refund usually occurs<br />

because the income taxes that are withheld by your<br />

employer exceed your actual tax liability. Income<br />

tax withholding rates are an estimate of the taxes you<br />

will owe for the year if your only income source<br />

is the one upon which the taxes are being<br />

calculated. Withholding rates do not take into<br />

consideration all income tax deductions<br />

and credits such as RRSP contributions,<br />

deductible support payments or<br />

charitable donations. This can result<br />

in an overpayment of tax during the<br />

year and provide a refund when you<br />

file your tax return. If you would like<br />

your employer to reduce the amount<br />

of withholding taxes from your<br />

earnings, you can make a request,<br />

in writing, to your Regional Taxation<br />

Services Office of the Canada Revenue<br />

Agency (CRA) and/or Revenu Québec (RQ).<br />

You will need to include documentation to<br />

support your request, such as RRSP contribution<br />

receipts or a written court order for support payments. If<br />

approved by the CRA and/or RQ, your employer will receive<br />

a letter of authorization to reduce the withholding taxes on<br />

your employment income. The reduced withholding taxes<br />

mean you will improve your cash flow during the year by<br />

increasing your net take home pay, instead of receiving a<br />

lump-sum tax refund the following year when you file your<br />

tax return.<br />

5. Make your charitable giving tax efficient<br />

The benefits of making a charitable donation are countless,<br />

from helping those in need to the personal satisfaction<br />

you feel when giving something back to a cause you feel<br />

passionate about. However, with proper planning, you can<br />

also reduce your income tax liability and maximize the<br />

value of your donation. A donation of qualifying publiclytraded<br />

securities may be preferred over a cash donation of<br />

equal value, particularly in cases where you have already<br />

decided to dispose of the securities. A charitable tax receipt<br />

equal to the fair market value of securities donated to<br />

a charity will reduce your taxes through a donation tax<br />

credit. For donations made after 2015 that exceed $200,<br />

calculation of the federal charitable donation tax credit will<br />

allow higher income donors to claim a federal tax credit at<br />

a rate of 33% (versus 29%), but only on the portion<br />

of donations made from income that is subject to<br />

the new 33% top marginal tax rate that came<br />

into effect on January 1, 2016<br />

When combined with the provincial<br />

donation tax credit, the tax savings can<br />

approximate 50 per cent of the value<br />

of the donation (depending on your<br />

province of residence). A donation of<br />

securities is considered a disposition<br />

for tax purposes; however, because of<br />

the tax incentives provided on a donation<br />

of qualifying appreciated publicly-traded<br />

securities to charity, the capital gain inclusion<br />

rate is nil instead of the normal 50 per cent<br />

that would otherwise apply. You should also consider<br />

combining all charitable donations for you and your spouse<br />

and claim these on one income tax return for maximum tax<br />

savings.<br />

If you’d like to be more strategic with your charitable giving,<br />

consider establishing a donor advised fund (BMO has a<br />

Charitable Giving Program if you are interested). You can<br />

make a charitable contribution to your donor advised fund<br />

and obtain the tax savings benefits today, while having<br />

the flexibility to make disbursements to your designated<br />

charitable beneficiaries over time; ensuring a legacy of<br />

giving long into the future. A variety of assets are accepted<br />

for contribution in order to establish your donor advised<br />

fund, or when making additional contributions, including<br />

publicly-traded securities.<br />

1 Source: https://www.canada.ca/en/revenue-agency/services/tax/registered-plans-administrators/pspa/mp-rrsp-dpsp-tfsa-limits-ympe.html<br />

2 Source: https://www.canada.ca/en/revenue-agency/services/tax/individuals/frequently-asked-questions-individuals/adjustment-personal-income-tax-benefit-amounts.html<br />

3 On a related note, be aware that new tax proposals were introduced in July 2017 that seek to limit income splitting with certain adult family members involving private companies. Revised tax proposals were later<br />

released in December 2017. For more information, please ask your BMO financial professional for a copy of our publication, Tax Proposals Affecting Private Corporations: “Income Sprinkling” Draft Legislation Revised.<br />

4 It is an opportune time now to consider this strategy in order to lock-in the current prescribed rate which is set at 1% until March 31, 2018 as it may increase later in 2018 with the rising interest rate environment.<br />

5 Source: https://www.canada.ca/en/revenue-agency/services/charities-giving/giving-charity-information-donors/claiming-charitable-tax-credits/amended-legislation-charitable-donationtax-credit.html<br />

This publication is for informational purposes only and is not and should not be construed as professional advice to any individual. Individuals should contact their BMO representative for professional advice regarding<br />

their personal circumstances and/or financial position. The information contained in this publication is based on material believed to be reliable, but BMO Wealth Management cannot guarantee the information is<br />

accurate or complete. The comments included in this publication are not intended to be a definitive analysis of tax applicability or trust and estates law. The comments contained herein are general in nature and<br />

professional advice regarding an individual’s particular tax position should be obtained in respect of any person’s specific circumstances. ®”BMO (M-bar roundel symbol)” is a registered trade-mark of Bank of Montreal,<br />

used under licence. BMO Wealth Management is a brand name that refers to Bank of Montreal and certain of its affiliates in providing wealth management products and services. Not all products and services are offered<br />

by all legal entities within BMO Wealth Management. ® “BMO 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<br />

already a client of BMO Nesbitt Burns, please contact your Investment Advisor for more information.


SHE LIVES FOR<br />

PURPOSE<br />

“It does not do to dwell on dreams and forget to live.”<br />

Sun streamed into the laughter-filled room<br />

reflecting the mood and demeanour of the<br />

women and girls in their gym garb as they<br />

awaited the beginning of a fitness session. I was pumped<br />

but apprehensive. I have always wanted to become<br />

involved in Zumba because of the dance component<br />

it brings to fitness. Admittedly, after 10 mins, I became<br />

painfully aware of muscles and tendons and perhaps bones<br />

that I forgot existed. I was so impressed with the simplicity but<br />

thoroughness of the workout and the fun she brought to the<br />

session I wanted to hear her story. Here is an excerpt from my<br />

conversation with Aleshia “goal crusher” Ali, Zumba Group Fitness<br />

Instructor.<br />

How would you describe your philosophy of life? How does<br />

this manifest itself daily?<br />

My life’s philosophy is to try and live a life to impact someone’s life with<br />

positivity each day. This can be something as simple as putting a smile on<br />

someone’s face, or donating or listening to a friend or even a stranger’s<br />

problem. Group fitness allows me to do so. I impact people’s lives by<br />

helping them unleash their potential which will hopefully allow them to<br />

leave with a smile and a sense of accomplishment. I feel like I was truly put<br />

in this world to help bring joy and laughter to other people.<br />

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Wellbeing<br />

How did you decide what you wanted to do with<br />

your life?<br />

While pursuing my undergraduate degree in Health Studies<br />

and Gerontology I came to understand that those living with<br />

chronic disease and mental illness faired better when they<br />

were physically active. Physical activity is also key to aging<br />

healthy, recovering from acute illnesses, and for one’s overall<br />

health and wellbeing. As a result, I decided to pursue my<br />

own journey in fitness and health. After graduation, I studied<br />

to become a fitness professional. I am a certified Personal<br />

Trainer and Group Fitness Instructor.<br />

I feel amazing about my work because teaching others, helping<br />

them achieve their fitness goals, being healthy and strong<br />

while having fun is truly my passion. I love every minute of it,<br />

and one day I hope to establish my fitness studio.<br />

much of a difference it makes when you compliment and<br />

encourage people; just being more positive promotes a sense<br />

of community. Noticing your students or people in general<br />

and giving credence to their improvement, instil so much<br />

confidence in themselves. As an Instructor, you definitely<br />

have to be to your class what you bring to your class and what<br />

you want from your class.<br />

What is your motto regarding life? Any favourite<br />

sayings/quotes about life?<br />

My favourite quote comes from a character in a Harry Potter<br />

novel, ‘It does not do to dwell on dreams and forget to live.’ I<br />

am a Harry Potter nerd and I am very much a dreamer! This<br />

quote reminds me to put action to my dreams because so<br />

often we don’t do that. We spend an enormous amount of<br />

time thinking about our future and our dreams that we forget<br />

“I came to understand that those living with chronic<br />

disease and mental illness faired better when<br />

they were physically active.”<br />

Tell me about your journey with Zumba.<br />

The requirements of the program I studied at Humber College<br />

included teaching Group Fitness as well as a fitness practical<br />

exam. I designed my class to be more dance fitness based<br />

with soca music (my favourite genre). My professor really<br />

encouraged me to pursue teaching. She said I was made for it.<br />

I started out teaching Muscle Resistance Classes, and would<br />

take Zumba classes with my mentor, who also encouraged me<br />

to take my Zumba instructor course and apprentice with her.<br />

I did just that, and once I started teaching I was hooked. I’ve<br />

taught Zumba to seniors, youth, and adults. I love to shake<br />

and shimmy with my class.<br />

Life lessons from Zumba<br />

Zumba is a whole world by itself and can become cultish (she<br />

laughs). I have learnt from those sometimes catty, cruel and<br />

yes, divas that becoming fit and healthy does not change<br />

your bad attitude. Most people who come to my classes tell<br />

me that they have become more confident and have so much<br />

fun. The most important thing I have learnt though, is how<br />

to live in the present; we miss the enjoyment of the present.<br />

Secondly, we wish things could change; our lives, situations<br />

and we fantasize about our dreams and future but we do<br />

nothing to change it to what we dream about. I have learnt<br />

to write down my ideas, my dreams; that way I can actually<br />

action them and eventually end up doing something about<br />

them; maybe not all at once but they get worked on. In that<br />

way, we put action to our dreams while living and enjoying the<br />

present.<br />

Describe a person who has had a profound impact<br />

on your life and why?<br />

Three women were significant in that way in my life. My<br />

amazing Fitness Instructor, Winne. She fused so much<br />

energy into her class and I wanted to absorb as much<br />

information from her as possible. Leah Gavarkovs, another<br />

Group Fitness Instructor, encouraged me to become a<br />

group fitness instructor. Her praise, and her attention to my<br />

form and execution in class really helped me become a very<br />

polished instructor. Lastly, Jennifer Kane was definitely a<br />

32


Wellbeing<br />

huge influence. She encouraged me to pursue my Zumba<br />

certification and groomed me as a fitness instructor, and as<br />

a people leader. Her mentorship allowed me to successfully<br />

gain a full- time job supervising the Fitness Centre at Cassie<br />

Campbell Community Center.<br />

Have you changed your view of life over time? How<br />

so and why?<br />

(She chuckles) I really haven’t lived that long to say I have<br />

changed much. For one thing though, I have changed my views<br />

about myself. <strong>Truth</strong> be told, I really did not like myself because<br />

I was not who and what I saw on TV and in magazines. I looked<br />

different even from the rest of my family. I began a journey<br />

to change how I felt about myself and my life because those<br />

feelings were leading me down a path of self-destruction. The<br />

change did not happen overnight but today, I know I value<br />

myself a lot more than before and it shows by the life I live and<br />

how I treat myself. I am beautiful, strong, comfortable in my<br />

own skin, curls and all and I know my self worth. I know there<br />

is still a lot of life to live and lot of tough times too but my<br />

journey has definitely given me tools to successfully deal with<br />

whatever comes my way. It is clear my view of life has changed<br />

from when I was a teenager and will no doubt change when I<br />

become a Mom or get married or any of those exciting things<br />

but I look forward to that because “the only thing constant in<br />

life is change.<br />

If you could write a message to your future children<br />

or generation about life and put it in a time capsule,<br />

for them to read 20 years from now, what would<br />

that message be?<br />

I would tell them I love them and everything will be alright.<br />

Clearly, we all go through life’s challenges and need to always<br />

know that it will get better; we will get through it. I would<br />

encourage them to be kind to people; we need to pay forward<br />

kindness because what we put out in the universe comes back<br />

to us.<br />

Aleshia Ali can be reached for consultation for group fitness<br />

sessions at leeshletics@gmail.com or on Instagram @leeshletics<br />

By POLLYANA DARRELL<br />

33


CINNAMON<br />

CLARY SAGE<br />

WILD ORANGE<br />

LAVENDER<br />

GINGER<br />

MARJORAM<br />

BASIL<br />

PEPPERMINT<br />

FRANKINCENSE<br />

FENNEL<br />

GERANIUM<br />

CASSIA<br />

MELALEUCA<br />

ROSE<br />

LIME<br />

LEMON<br />

OREGANO<br />

E<br />

I<br />

Y<br />

F<br />

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M<br />

G<br />

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34


Wellbeing<br />

Essential Oil:Copaiba<br />

The Copaiba is a large towering tree that grows in<br />

tropical rainforests of South America. For hundreds of<br />

years, traditional healers in northern Brazil have used<br />

copaiba trees for their health benefits. Copaiba oil is steam<br />

distilled from the resin of the tree.<br />

Copaiba has become one of doTERRA’s most popular essential<br />

oils for good reason. BCP (Beta-caryophyllene) found in<br />

Copaiba interacts directly with the CB2 receptors(organ<br />

or cell.)CB2 receptors improve immune health, reduce<br />

inflammation, and pain and supports the health of the<br />

cardiovascular, nervous, digestive, immune, and respiratory<br />

systems.<br />

Copaiba oil contains a significant amount of BCP–typically<br />

around 55-60%, while CBD oil usually contains between 2<br />

and 30%.<br />

Other advantages to choosing Copaiba over CBD(cannabidiol<br />

is a chemical compound in marijuana with a variety of uses. It<br />

is a remedy for headaches, migraines; relieves muscle cramps<br />

and joint pain)oil, it’s half the cost of CBD with no prescription<br />

needed and is 100% legal so no worries for plane travel and<br />

border crossing.<br />

(doTerra is a Latin derivative meaning “Gift of the Earth”.<br />

The Company was established in 2008 with the mission to<br />

produce and share therapeutic-grade essential oils.)<br />

www.doTerra.com<br />

www.CDB.medicines.org<br />

By DIANA LESHUK<br />

Independent Product Consultant, doTerra<br />

CBD vs COPAIBA<br />

• ISOLATED molecule<br />

• INDIRECT receptor activation<br />

(Cascade)<br />

• INCONSISTENT dosage<br />

• LIMITED science<br />

• REGULATORY challenge<br />

• CBD 5–35%<br />

CONCENTRATION<br />

• COMPLETE plant chemistry<br />

• DIRECT receptor activation<br />

• REASONABLE dosing<br />

• More than 1000 PUBLISHED<br />

STUDIES<br />

• BCP almost 60%<br />

CONCENTRATION<br />

• Does not contain<br />

PSYCHOACTIVE<br />

CANNABINOIDS<br />

35


WELLBEING<br />

BENEFITS OF<br />

ALKALINE WATER


Wellbeing<br />

Summer 2013 was a very busy year for our family of<br />

three. We were engaged in high intensity training,<br />

coaching and managing our business. Additionally, we<br />

soon learned that we had a new baby on the way. After many<br />

challenges to fit our family and lifestyle into our little car,<br />

we decided to get an upgrade. It was then that we were first<br />

introduced to the idea of anti-aging, antioxidant, alkaline water<br />

by one of our former coaches, 3x Canadian Olympian and<br />

captain of the Canadian Olympic Team in Barcelona, Freddie<br />

Williams. He shared with us his own personal experience<br />

with the water. His wife had used the water in her bout<br />

with cancer. He shared with us cancer research which was<br />

done by Dr. Otto Warburg, the German Scientist and Nobel<br />

peace prize winner who in the early 1900s discovered that<br />

no sickness or disease can thrive in an alkaline environment.<br />

Sicknesses and diseases in the body are caused by acidity. We<br />

were excited to learn more about alkaline water and ventured<br />

out on our own research efforts. We learned that it the micro<br />

“Immediately after drinking the<br />

alkaline water, we noticed its<br />

lighter, sweeter taste.”<br />

of ours complained he had been experiencing acid reflux<br />

problems for many years, we wondered if the alkaline water<br />

might help. Acid reflux is an overabundance of stomach acid<br />

that frequently escapes the stomach, making its way back up<br />

through the stomach into the esophagus where it burns like a<br />

caldron in your throat. Ultimately, it can destroy the stomach<br />

lining and esophagus. If it’s ever happened to you, you<br />

understand the discomfort firsthand. The idea that alkalinity<br />

neutralizes acidity was appealing to our colleague, who asked<br />

to try the water. We gave him some of our water. Within<br />

hours he called with a sigh of relief.(I don’t mean to gross you<br />

out, but, it was dramatic). He described making a couple of<br />

trips to the bathroom and reported that his stool was black,<br />

nothing like he’d ever seen before. Afterwards he felt superb.<br />

The acid had completely cleared his system. He was finally<br />

freed from years of discomfort. Additionally, he’d all but given<br />

up on trying to have another baby. He was surprised to find a<br />

‘little bun in the oven.”His longtime girlfriend with whom he<br />

tried for years to have a baby, was expecting. He swears by<br />

the alkaline water that it was the reason for the season, at his<br />

age, in his early fifties. Who’s to say? “Who feels it knows it!”<br />

By MARESA CADIENHEAD-RYAN<br />

Ionization Technology Consultant;<br />

Speaker, Writer & former world leading<br />

High Jumper<br />

clusters, antioxidants and alkalinity make the water effective<br />

in hydrating the body, given that proper hydration is very<br />

important when engaging in high intensity training. It didn’t<br />

take long before we decided on an upgrade for our health<br />

rather than our car and decided to invest in the gold standard<br />

of alkaline water system; not just for ourselves but for our<br />

children. We followed the old adage, “prevention is better<br />

than cure.”<br />

Immediately after drinking the alkaline water, we noticed<br />

its lighter, sweeter taste, as compared to regular water. In<br />

addition, we could literally feel it moving through our bodies.<br />

It’s human nature to tell far and wide whenever you find<br />

something good;it’s hard keeping it to yourself. Overtime,<br />

we experimented with the alkaline water in our training and<br />

noticed that our cardio exercises were easier. Our long run<br />

recovery times were quicker than usual resulting in our doing<br />

more and going longer. We couldn’t help sharing what we<br />

learned with our friends and neighbours. When a colleague<br />

37


wellbeing<br />

Life Lessons<br />

What I want to teach the next generation;<br />

The generation where we place our hope,<br />

Are the things that life taught me.<br />

First, life is not fair;<br />

It is not equal.<br />

There will always be partiality and biases-<br />

Biases that will follow you wherever you go<br />

Whatever you do<br />

Because some people believe not everyone is born equal<br />

And their views will affect your views -<br />

If you let them.<br />

Life is not fair<br />

But it doesn’t have to bring you down.<br />

When life presents challenges,<br />

And obstacles and handicaps,<br />

It is giving you a chance to rise above it<br />

Use challenges as ways to better yourself<br />

And obstacles as stepping stones<br />

Use handicaps to prove to the world you have more to offer<br />

Because once we see challenges as opportunities<br />

Instead of restrictions,<br />

We focus and work on ourselves<br />

Not others;<br />

If we use obstacles as a means to get ahead,<br />

Those opposed to us will have nothing to use against us<br />

And when we accept our handicaps, we show the world<br />

Nothing can hold us down.<br />

Life is not fair;<br />

It is full of challenges and obstacles<br />

But if we learn to live fair and just<br />

And put in effort where it is due<br />

We might just teach the rest of the world<br />

How good life can be.<br />

By NAOMI-NICOLE BRAMER


WELLBEING<br />

Zesty Zingy Zingiber<br />

OFFICINALE<br />

Commonly known as ginger, this spice has brought relief to millions over the centuries as<br />

the treatment for multitudinous aliments, making the case for its Ancient Indian namevishwabhesaj<br />

- which means, “universal medicine.”<br />

Recently, I was encountering some digestive issues along with a tinge of diarrhea and nausea<br />

and wanting to tackle the diarrhea first, I thought I’d use a hot caffeine-free, milk-free beverage. I<br />

remembered, as a little girl, my mom would serve ginger tea intermittently whenever she thought<br />

we needed some”bush” tea to “clean or purge us.” So, I decided to get some ginger and administered<br />

the tea as per instruction-1 packet to 8 ozs. water. The next day, I had 3 cups of ginger tea and<br />

voila, diarrhea was gone, nausea went ‘poof’ and my digestion improved. This was so noticeable<br />

that I decided to continue using the ginger to aid my digestion issues. Sure enough, the rest of the<br />

week, I had no issues with indigestion (which is regular) and then, I came up on this book in the<br />

office, “Ginger: Common Spice and Wonder Drug” by Paul Schulick and decided to read it. Here<br />

are some fascinating facts being touted about ginger.<br />

Current scientific and ethnomedical literature support the empirical findings that ginger has a<br />

wide range of benefits for the digestive system. Among other things, its properties aid in digestion<br />

especially of protein, produce anti-diarrheal activity, support probiotic and liver protection<br />

and have anti-emetic(vomiting) capabilities. In addition, ginger’s enzyme actions and digestive<br />

stimulation synergize with its anti-ulcer benefits to reduce gastric volume which in turn relieves<br />

39


Wellbeing<br />

balance critical enzymes reduces physiological<br />

active substances that produce inflammation.<br />

A1989 trial revealed that consumption of fresh<br />

or powdered ginger by rheumatic patients for<br />

three months, reduced swelling and stiffness<br />

and was better for pain relief. It is reported that<br />

6 out of the 7 patients in the trial, even after<br />

5-10 years of conventional treatment,they had<br />

been continuously afflicted with some degree of<br />

inflammation, swelling and morning stiffness. In<br />

the second trial, (56 patients with various forms<br />

of arthritis; 28-rhumatoid, 18 osteoarthritis, and<br />

10 with muscular discomfort), again using fresh<br />

or powdered ginger, it was concluded, “more than<br />

three-quarters experienced to varying degrees,<br />

relief from pain and swelling. All patients with<br />

muscular discomfort experienced relief in pain.”<br />

(K.C.Srivastava; pg 34). According to Public Citizen<br />

Health Research Group (April 1993, Vol.9; No.4),<br />

during the 21/2 years study, no side effects were<br />

reported while conventional arthritic treatment<br />

on the elderly alone, resulted in 3,300 inducedulcer<br />

deaths.<br />

constipation and aids in the excretion of small gall stones as<br />

found by Japanese researchers.<br />

Secondly, ginger reduces fever for the same reason aspirin<br />

does. It does so by impeding the activity of fever-causing<br />

enzymes and suppressing the production of particular<br />

inflammatory substances. Like aspirin, it assuages fevers by<br />

aiding your body to return to its core internal temperature<br />

or thermo regulation. It is also believed to relieve chills and<br />

warms the body all with no side-effects.<br />

Historical literature and herbal formulation from India, China<br />

and more recently, the Middle East and Cuba all hail ginger<br />

as an aphrodisiac. One 14th century sex manual purported,<br />

“A man who prepared himself for love with ginger and honey<br />

would give much pleasure to the woman...”(Ginger, pg. 25).<br />

In China, ginger has always been known as an agent to<br />

boost appetite, bring balance to hormones and circulation<br />

improvement. In Tibet, its reputation is for improving the vital<br />

energies of the lethargic and Persian historians claim ginger<br />

has brain-cleaning properties.<br />

In Denmark, two clinical trials revealed ginger reversed<br />

many arthritic symptoms without side effects. Its ability to<br />

Pathogenic species of particular bacteria like E.Coli and<br />

salmonella are significantly impacted by ginger, “Ginger<br />

unquestionably inhibits pathogenic species of bacteria like<br />

E.Coli and salmonella while stimulating growth of potentially<br />

beneficial species useful in the control of diarrhea and<br />

constipation(Paediatrics, 1991; Jul; 88(1):90-7).<br />

Clinical findings reveal that ginger’s properties can eliminate<br />

parasitic worms found in human intestines. This is one reason<br />

why ginger is traditionally eaten with sushi. (There has been<br />

a marked increase in parasitic worm, Arisakis,infection which<br />

is principally contracted through the consumption of raw fish<br />

or sushi.)When used in an in vitro study, ginger and 2 of its<br />

constituents resulted in more than 90% of the larvae to die in<br />

four hours and completely decimated within 16 hours.<br />

All quotations and information are culled from Ginger:<br />

Common Spice and Wonder Drug by Paul Schulick.<br />

By POLLYANA DARRELL<br />

40


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