2015 El> kWnDy wpe‰zeter vz›s>S! - VLAMBARAM 01, 15.pdffT 25 pelm>01 s∫k Ân˘Wnq>qp>pt>TRik metM‰Âiq Elvsm> JANUARY 01, 2015 VLAMBARAM, GTA SQUARE, 5215 FINCH AVENUE EAST,

fT 25 pelm> 01 s∫k Ân̆Wnq>qp>pt>TRik metM‰Âiq Elvsm> JANUARY 01, 2015

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- 2 - JANUARY 01, 2015 Vzm>prm> VLAMBARAMTM Tel: 416.282.8059

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Qp>∏: EtneWlWy kndeVl>

Flt>ˇdn> ØDy √ÎkZn> (low Rise)Mkp>wpRy F›mex FŒvnmeKy

Mattamy Homes, ax>imYl> aÎk>meD min kd>ÎvTl> ƒx>dkelm>

2015 El> Atn Vyepert>Tn>Filp>peÎ åv>veŒ E‰k>klem>?

HomeLife/GTA Realty Inc.Brokerage* *Independently Owned & Operated

“kn◊ …b>k¸idyˇ, wpeŒp>∏ åb>k¸idyˇ” Raja Mahendran, P.Eng.Broker / Owner

5215 Finch Ave, E, #203, Toronto, ON :416.321.6969

YONGE & FINCH1 Bedroom condo for

rent. 1 Parking. Asking $1400.

HWY 427 & DUNDAS(TORONTO WEST)

Brand new condo.for sale.

5% down. 2 Bedrooms.

2 Washrooms. Corner units.

Brand new condo. for sale.Only 10% down. Closing fall 2015. Rental guarantee

available.

CONDO. FOR SALE

Brand new condo with rental guar-antee. Only certain units availablein Downtown Toronto. Close to CN

Tower, Rogers center.From $270k

CONDO FOR RENTCONDO FOR SALE* INDEPENDENTLY OWNED AND OPERATED

.i. Islington & bloorii. Kennedy & 401iii. AQUVASTA Project - lakeview

CONDO FOR SALENew condo projectsBy Tridel Special price


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on>Ql> veu>Kn>Wqem>.

2015 mq>Œwme‰ Sqf>t Ax>dekaimyd>Îm>.

2015 El>...07Am> pk>kt>wted›s>S

Main Floor. Retail commercial. Units for quick sale in a reputable.Indoor mall. Tenented. Vacant position Possible. Price included oneparking. Heart of scarborough. Close to all amenities. Only a few

units available for your business. Only $148,888. (Don’t miss)

Pl. call: 416.315.9397

COMMERCIAL UNITS FOR SALE



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cyfpy; cd;djkhd Nritahsuhfj;

jpfo;e;jhu;. ve;j RaeyKk; ,d;wp jd;

tho;ehs; KOtJk; fyq;fiu tpsf;fhf

gyupd; tho;tpy; xspA+l;bdhu;. md;G

vd;wJk; mk;kh vd;w cwT epidTf;F

tUtJ Nghd;W ,e;j cyfj;jpy;

md;id jpNurh vd;w cd;djkhd

Nritahsupd; ngaUk; epidTf;F te;J

tpLfpd;wJ.

xU FLk;gj;jpd; cWg;gpdu;fSf;fpilNa

cs;s md;Gg; gfpu;T kpfTk; Kf;fpa

khdJ. xt;nthU cWg;gpdUk; mbf;fb

Rakjpg;gPL nra;ag;gl Ntz;ba tplak;

ehk; vy;NyhUlDk; FLk;gj;jpy; md;ghf

,Uf;fpd;Nwhkh vd;gNj. mg;nghOJjhd;

FLk;gj;jpy; mikjp epyTk;. fztd;

kidtpf;fpilapy; tpl;Lf; nfhLg;G

mtrpak; vd;W $Wthu;fs;. md;Gilik

vd;w nrhj;J ,Uf;Fk; nghOJ tpl;Lf;

nfhLj;J tho;tJ ,yFthf ,Uf;Fk;.

FLk;gg; gpupTfs; mjpfupj;Jr; nry;tJ

Ntjidf;FupaJ. ,jdhy; kpfTk;

mjpfkhfg; ghjpf;fg;gLgtu;fs; gps;is

fs;. gps;isfspd; tUq;fhyj;ij

epidj;jhtJ gpupitj; jtpu;j;Jf;

nfhs;s Ntz;Lk;. ,e;jf; fl;Liu vOj

Ntz;Lk; vd;w vz;zk; Vw;gLtjw;F

FLk;gq;fs; gpuptpd;wp kfpo;r;rpahf

,Ug;gjw;Fk; ,e;jf; fl;Liu

Jizepw;Fk; vd;w fhuzNk

Kjd;ikahdJ. ehk; vjpu; nfhs;Sk;

Ntw;Wikfs; jw;fhypfkhdJ vd;w

czu;it Vw;gLj;jpf; nfhs;s Ntz;Lk;.

kdk; jsuhJ md;Gilikia

nrhj;jhff; nfhz;L Ntw;Wikfis

ePbf;f tplhJ fise;J tpl Ntz;Lk;.

ngupa tplakhf ,Ug;gJ Ngrpj; jPu;f;Fk;

nghOJ mw;g tplakhf khwptpLk;.

,e;jr; rpwpa tplaj;jpw;fhfth ,t;tsT

J}uk; Ntw;Wik fhl;bNdhk; vd

epidf;fj; Njhd;Wk;. ehk; xU

FLk;gj;jtu;. ve;j epiyikapYk; ehk;

xd;whf tho Ntz;batu;fs; vd;w

czu;NthL gpur;rpidfis mZf

Ntz;Lk;. md;G vd;w cd;djkhd

czu;itg; gykhfg; gad;gLj;jpf;

nfhs;s Ntz;Lk;. FLk;gj;jpy; epyTk;

vy;yhg; gpur;rpidfSk; xNu khjpup

ahdit my;y. rpy Neuq;fspy; gpupT

jtpu;f;f Kbahj tplakhf ,Ug;gijAk;

fhzyhk;. gpur;rpidfis Muk;gj;jp

NyNa ey;y Kiwapy; mZfp jPu;j;Jf;

nfhz;lhy; ghjpg;Gf;fisj; jtpu;f;fyhk;.

,y;yw tho;f;ifapy; jk;gjpapdu;f;

fpilNa fztd; kidtpf;fpilNa

cs;s md;G vd;Nwh my;yJ fhjy;

vd;Nwh tbtk; nfhLj;jhYk; xd;Wjhd;.

,UtUk; md;Gilik nfhz;L

tho;e;jhy; tho;T kyUk;. ,y;yw

tho;f;ifapy; kfpo;r;rp ,Uf;Fk;. ,e;jf;

fl;Liuia xU Mq;fpyg; Gj;jhz;by;

thrpf;fpwPu;fs;. md;Gilik nfhz;L

tho;Nthk; vd;W cWjpnaLj;Jf;

nfhs;Sq;fs;. rpy tplaq;fis

,yFthff; $wptplyhk;.

nrad;Kiwapy; fbdkhf ,Uf;Fk;.

vk;khy; Kbe;jtiu md;gpidg; gfpu;e;J

,d;gKw tho;Nthk;. thrfu;fshfpa

cq;fs; midtu;f;Fk; md;G epiwe;j

Mq;fpyg; Gj;jhz;L tho;j;Jf;fisj;

njuptpj;Jf; nfhs;fpd;Nwd;.

md;Gilik gw;wpj; njhlu;e;J

ciuahLNthk;. cq;fs; vz;zf;

fUj;Jf;fis vOJq;fs;. mLj;j

,jopy; kPz;Lk; re;jpg;Nghk;.

ed;wp. tzf;fk;.

njhlUk;...

an>∏idim - 9

- akX [email protected]

2015

al>l, knde …d>pd …lKl> …z>z pl feÎkZn>

wpe‰zeter vz›s>Sk> …t◊m>. kWnDy wdelRn>

wpŒmTk> iq◊ md>ÎWm kndeVn> Åq>ŒmTYn> 7%

…y›◊k> kerxm>. kndeVn> Åq>ŒmTYl> 70%

awmRk>keVq>Wk wsl>Kqˇ. Etnel> kWnDy

Åq>ŒmTp>wpe‰d>kzen Eyf>Tryb>kz>, Mn>ser

…pkrxb>kz>, Vx>wvZ …pkrxb>kz> mq>Œm>

Ïk›Wve› wpe‰d>kz> ån>pvq>Qn> Åq>ŒmTYn> az◊

2014 En> EŒTYl> Erx>Î mdb>keKVd>dn.

awmRk>k wpe‰ztert>Tn> apRt vz›s>S Åq>knWv

wp‰KvUf>ˇ (Spillover) kndeVq> vf>tteWlWykndeVn> o‰met wmet>t …z>fed>Î …q>pt>T (GDP)0.3% Al> aTkRt>tˇ. kWnDy wpe‰zeter vl>Òf›

Ev>vz›s>S 0.1% AkWv E‰k>m> ån åT›◊

ØQY‰f>tn›. av›kz> awmRk>k wpe‰zeter

vz›s>SYn>Wvkm> Ev>vz◊ VirVl> wp‰KvUf>ˇ

kndeVq> v‰m> ån åT›pe›t>T‰k>kVl>il.

awmRk>keVl> Gas En> Vil kdf>t Wkeidkelt>Tl>E‰f>tit Vd kln> on>Œk> $1 iqvek E‰k>Kqˇ.

Etnel> awmRk>k pevinyez›kz> v‰dm> $380 I

WsMp>pe›kz> ån awmRk>k Ay>vez›aQk>ik on>Œ

wtRVt>ˇz>zˇ. Ef>t Gas Vil iqp>Pn> Viz◊md>ÎWm awmRk>k wmet>t …z>fed>Î …q>pt>TYn>

(GDP) 1% aTkRp>Pq> kerxmek E‰k>m> ånåT›pe›k>kp>pÎKqˇ. awmRk>keVn> 2015 En> GDP 3%Ak E‰k>m> ån tq>Wpeˇ åT›◊ Øqp>pd>Îz>zˇ.

awmRk>keVl> …‰veKy ∏Ty WvilkZn>

åx>XikÁm> kdf>t ∫n>Œ v‰db>kiz Vd

Ev>v‰dm> aTkmek …z>zˇ. Ev>veqen awmRk>k

wpe‰zetert>Tn> apRt vz›s>S kndeVn>

wpe‰zeter vz›s>Sk> aÎt>t Ax>Dl> …t◊m> ån

Wzep> an>d> wmYl> wtRVt>ˇz>zˇ.

2015 El>...01Am> pk>kt>wted›s>S



En>iqy fekRk veu>k>ikYl> fmk>

wtRf>Wte, wtRyemWle fmˇ …dÒk>

ov>vet wpe‰d>kz> …x>˛m> …xVn>

vUyekWve, WteLn> vUyekWve fm>

…dLl> Ws›f>ˇ wkex>Î ten>

E‰k>Kn>qn. Ån> Ef>t Wfey> vf>tˇ

ån>Œ wtRyemWl feÂm> TnÂm>

WfeÁdn> WpeRd>Îk> wkex>Îten>

E‰k>KWqem>.

Kremm> Âtl> fkrm> vir veknm>

El>leˇ veu>k>ik El>il ån>q Fil

…‰veKVd>dˇ. åb>m> veknb>kZn>

Eirs>sl>. Etn> pRsek fmk>

Kidt>tˇ ån>nwvn>Œ yeWrBm>

WyeSt>Wteme? aˇten> mesidf>t

keq>Œ. wp‰Kv‰m> wteUq>seilkZn>

kU◊ ƒrel> ƒ› Filkz> aÍt>t

midKn>qn. aˇ md>Îm>tene aTk

Vizs>sÒk>kek pyn>pÎt>ˇm> wsyq>ik

…rvikkz> mq>Œm> Erseynp>

wpe‰d>kz> ån>pnvem>. Eiv

teNyb>kz>, puvikkz> ån>pnvq>Qn>

Eyl>pen xb>kizWy meq>Q

VÎKn>qn.

1. …dÒk> ov>vet wpe‰d>kzel>

al›J …x>devˇ yev‰m> aQf>tWt.

Et>tiky al›Jyel> wp‰m>

peWle‰k> Ac>ˇme (Ashma) mq>Œm>Wtel> Wfey>kz> ån>pn …x>deKn>qn.

2. Eivyn>Q ov>wve‰v‰k>m>

Eyl>pekWv Sl wpe‰d>kz>

ov>veimiy Åq>pÎt>ˇKn>qˇ. aiv

pq>Qp> pe›p>Wpem>.

3. al›J ov>veim …‰vek Qp>Pd>d

vyˇ vrm>∏ ÅˇMl>il. åf>t vyTÒm>

…‰veklem>.

al›J Wten>Œm> Edb>kz>

fm>� …dLn> Im>wpeQkzen Wtel>,

vey>, kx>, ∫k>, wsV AKyvq>Ql>

al›JYn> Q xb>kizk>

kexlem>.

• ˇm>ml>, ∫k>KL‰f>ˇ ƒ›vDtl>,

∫s>ÍVd Srmm>.

• aÍt>tmen ƒRl> Zt>tl>, aÍt>t

men Aid aXtl>, ikÁiqkiz

(Glows) aTkm> peVt>tl> ån>pnWteLl> aRp>∏, tDp>∏ Wpen>q

al›Jiy Åq>pÎt>ˇm>. at>ˇdn> ‹Ry

oZ aTkmek …dLl> pÎm>Wpeˇ

Sl‰k> WteLl> aRp>∏, SŒ

wkep>pzb>kz>, Wtel> kŒt>tl> ån>pn

…x>dem>. aˇmd>Îmn>Q Slvik

µn>kz>, Ad>Îp>pel>, pn>Q Eiqs>S

Wpen>qvq>iq …x>pteÒm> WteLl>

al›J Åq>pd vey>p>∏x>Î.

Evq>qel> md>Îmn>Q prm>pir

vUyek◊m> al›J Åq>pÎm>.

…terxmek wpq>Wqe›kz> al›J

Wfeyel> peTk>kp>pd>D‰f>tel>

uf>itk¸m> peTk>kp>pdlem>.

wpeˇvek wpx>kiz Vd Ax>kz>

ten> al›Jyel> aTkmek

peTk>kp>pÎKn>qn›. wsl>lp>

PreXkzen fey>, ºin AKyvq>iq

√d>Dl> vz›p>ptel> avq>QL‰f>ˇ

wvZv‰m> al›J wpe‰d>kzel>

al›J …x>dem>.

al›Jiy kx>dQÁm> vUkz>

al›J>k>ken Ert>tp> pRWsetin

wsy>ˇ ov>wve‰v‰k>m> E‰k>m>

al›Jk>ken wpe‰izk> kx>dQf>ˇ

atint> tV›k>klem>.

al›Jiyt> tÎk>m> vUkz>

1. uf>itp> p‰vt>Tl> aTkp>pDyen

pÍp>peil tV›t>ˇ ØÎtlekt>

tey>p>peilt> t‰vtel> uf>itkZn>

Wfey> åT›p>∏ sk>T aTkmeK al›J

vreml> tÎk>Kqˇ.

2. k›p>p kelt>Tl> k›p>PXp> wpx>kz>

al›Jiy Åq>pÎt>ˇm> …x◊kzen

kt>tR, k‰veÎ Wpen>qvq>iqÁm>

mq>Œm> Âd>id, kdil vikkz>, Wseye

ån>pnvq>iqÁm> tV›p>ptel> uf>it

k¸k> v‰m> al›J, aRp>∏, tDp>∏

wkep>pzm> Wpen>qvq>iq vreml>

tÎk>klem>.

3. Vq>qMn> A,C,E mq>Œm> kl>Sym>st>ˇkz> adb>Ky puvikkz>,

key>kQkz> …xVl> aTkm> Ws›t>ˇk>

wkez>vtn> ∫lm> al›J vreˇ

tÎk>klem>.

4. EiltZ›kelt>TÒz>z (Spring)keq>Ql> klf>T‰k>m> ml›kZn>

mkrf>tm> mq>Œm> mesidf>t ∞Í ån>pn

∫k>Kn> vUyeks> wsn>Œ wp‰m>

peTp>ip Åq>pÎt>ˇvtel> af>tk>

kelt>Tl> wvZYl> fdmeÎvit

ÂDf>tvir tV›k>k Wvx>Îm>.

ÂDf>tel> ∫k>∫D (Mask) aXylem>.

5. Z›penb>kz,> Ic>Kœm>

Wpen>qvq>iq tV›k>klem>. aiv

wtex>idYl> sZ kd>dk> ØDy

Filiy …‰vek>m>.

al›Jk> Wyeke∫lm> Âq>Œp>∏z>Z

WyekeVÒz>z Sl Asnb>kz>

Ert>tt>it Ít>TkRt>ˇ Ïir¥rLÒz>z

(lungs) sZiy Â¯imyekwvZWyq>Œm> tn>im wkex>dn.

at>ˇdn> WteLl> …x>dem>

peTp>∏kiz El>leˇ wsy>y

…t◊Kqˇ. aivyen

Vp®tkrXEf>t Asnm> …dLl> Vp®tmen Sqf>t

meq>qb>k¸dn> ØDy pln>kizt>

t‰vˇdn> Wtel> al›Jiy

xmek>Kn>qˇ.

∏jb>kesnm>Ef>t Asnm> Íves …Œp>∏k>kiz

fmk> VRf>ˇ Í‰b>m> FilYl>

ivt>T‰p>pˇdn> Ïir¥rÒk>

…ŒTiy wkeÎt>ˇ ∫s>Í

mx>dlb>kizs> ßrek>m> sk>T

vey>f>tˇ.

kpelpeT ∫s>Íp>pYq>S

Ef>t ∫s>Íp>pYq>S Ïir¥rLL‰f>ˇ

tilp>pT virYÒÂz>z ∫s>Ík>

uey>kiz fn> Ít>tm> wsy>vˇdn>

∫k>KL‰f>ˇ ∫leterm> virYÒÂz>z

kU◊p>wpe‰d>kiz wvZWyq>Q Erej

…Œp>∏k>kzev; kl>¬rl>, SŒƒrkm>,

E‰tym>, Ïir¥rl>, mx>≈rl>

Wpen>qvq>iq wsm>imp>pÎt>T avq>iq

ßrek>Kn>qˇ. Etnel> åf>tVtmen

al›JyeneÒm> aˇ Âq>qekk>

xmidy vey>p>∏z>zˇ.

416.289.2033 after 7:00pm416.617.5721

Diploma in Yoga Therapy (India)

al›Jyel> avc>itye?EWte vikyen †›◊?

ƒx>dfez> veu Fint>tit aidy Wfey> tÎk>m> vUÂiqkz>

YOGA - MEDITATION CLASSESS

GTA Square Mall El> ∏tn>KuimkZl> keil 8:00mXk> vp>∏ fidwpŒKn>qˇ

wted›∏k¸k>: Scarborough - Markham - wsl>v WseT - 416.289.2033

∫d>ÎvL - ÂˇvL - Ac>ˇme - Ert>ta¯t>tm>, ƒRU◊ Wfey> - wpx>kZn>metVdey> WkezeŒkz> - …dl> åid -wtef>T iqy mq>>Œm> mn a¯t>tm>Wpen>qvq>Qq> Fverxm>.

ƒRU◊, E‰ty WfeyeZk¸k>tNp>pd>d WfrD pYq>Skz>

AWrek>Ky veu>Vq> vUked>Îm> m‰t>ˇvÂiq Wyekesn pYq>Skz>



fdlh jkpo; ,yf;fpaj; Njhl;lj;jpd; tUlhe;jpu ,ay;

tpUJ ,t;tUlk; (2014) jpU. gh. n[aNkhfd;

mtu;fSf;F toq;fg;gLfpwJ. rkfhyj;jpy; \vOj;J

mRud;| vd;W tu;zpf;fg;gLk; ,tu; Gjpdq;fs;>

rpWfijfs;> murpay;> tho;f;if tuyhW> fhg;gpak;>

,yf;fpaj; jpwdha;T> goe;jkpo; ,yf;fpak;>

nkhopahf;fk;> mDgtk;> jj;Jtk;> Md;kPfk;> gz;ghL>

jpiug;glk; vd jkpo; ,yf;fpaj;jpd; midj;Jj;

JiwfspYk; jdJ vOj;jpd; %yk; Mokhd

Kj;jpiuia njhlu;e;J gjpj;J tUfpwhu;. ,e;j

tpUijg; ngWk; 16tJ vOj;jhsu; ,tuhtH. ,jw;F

Kd;du; Re;juuhkrhkp> ntq;fl; rhkpehjd;> N[hu;[;

`hu;l;> Iuhtjk; kfhNjtd;> mk;ig> v];.

nghd;Dj;Jiu> v];. uhkfpU~;zd;> ehQ;rpy;ehld;> R.

jpaNlhu; gh];fud;> nlhkpdpf; [Pth Nghd;wtu;fSf;F

,t;tpUJ toq;fg;gl;bUf;fpwJ.

n[aNkhfd; 1962 y; mUkidapy; (fd;dpahFkup)

gpwe;jhu;. ehfu;Nfhapy; gNahdpau; Fkhurhkpf;

fy;Y}upapy; tzpftpay; ,sq;fiy gbg;ig ghjpapNy

tpl;Ltpl;L ,e;jpah KOtJk; ,uz;L tUlkhf

miye;J tho;f;ifia fw;Wf;nfhz;lhu;. 1984y;

Nfusj;jpy; fhru;NfhL njhiyNgrp epiyaj;jpy;

jw;fhypf Copauhf Ntiyf;Fr; Nru;e;jhu;. vOj;jhsu;

Re;ju uhkrhkpahy; Mw;Wg;gLj;jg;gl;L jkpo;

,yf;fpaj;Jf;Fs; Eioe;jhu;. 1987y; mtu; vOjpa \ejp|

rpWfij Kjd;Kiwahf fizahopapy; gpuRukhfp

mtu; vOj;J tho;f;ifia Muk;gpj;J itj;jJ.

,tUila \tp~;ZGuk;| ehty; gutyhd thrfu;fis

mile;J ngUk; Gfo;ngw;wJ. mijj; njhlu;e;J fhL>

Vohk; cyfk;> nfhw;wit> nts;is ahid Mfpa 13

ehty;fisAk;> 11 rpWfij njhFg;GfisAk;> 50

fl;Liu E}y;fisAk; ,Jtiu vOjpapUf;fpwhu;. 1990

Mz;L mfpyd; epidTg;Nghl;bg; gupR> 1992

Mz;Lf;fhd fjh tpUJ> 1994 Mz;Lf;fhd rk;];fpUjp

rk;khd; NjrpatpUJ> 2008 Mz;L ghtyu; tpUJ> 2011

Mz;L \mwk;| rpWfijj; njhFjpf;fhf Kfk; tpUJ>

Mfpa tw;iwg; ngw;wpUf;fpwhu;. n[aNkhfd; gq;Nfw;W

ntspte;j jpiug;glq;fs; f];J}upkhd;> ehd; flTs;>

mq;fhbj;njU> ePu;g;gwit> xopKwp> fly;> MW

nkOFtu;j;jpfs;> fhQ;rp> fhtpaj;jiytd; Mfpait

ngUk; ntw;wpaPl;bd.

1998 Kjy; 2004 tiu \\nrhy; GjpJ" vd;w rpw;wpjio

ez;gu;fSld; ,ize;J elj;jpdhu;. 2010 Mk; Mz;L

Kjy; ,tuJ gilg;ghd tp~;ZGuk; ngauhy;

\tp~;ZGuk; ,yf;fpa tl;lk;| ,yf;fpa MSikfSf;F

tpUJ mspj;J tUfpwJ. mG+u;tkhd nrhy;yoFk;>

nghUs; nrwpTk; nfhopf;Fk; nkhopapy; 2014

Gj;jhz;bd; Kjy;ehs; njhlq;fp kfhghujj;jpd; kW

Mf;fkhf ,tu; jw;NghJ ,izaj;jpy; \ntz;KuR|

ehtiy. xt;nthU ehSk; Xu; mj;jpahak; vdg;

gj;jhz;Lfs; jpl;lkpl;L> vOjp tUfpwhu;. Vwf;Fiwa

ehw;gJ ehty;fshf ,J epiwTngWk;. jkpopy; NtW

ahUNk Kad;wpuhj gpuk;khz;lkhd gzp ,J.

,tUila kidtp mUz;nkhop eq;if> kfd; m[pjd;>

kfs; irjd;ahTld; ehfu;Nfhtpypy; trpj;J tUfpwhu;.

\,ay; tpUJ| NflaKk;> 2500 nlhyu; gzg;gupRk;

nfhz;lJ. tpUJ toq;Fk; tpoh nuhnwhd;Nuhtpy; 2015

[_d; khjk; toikNghy eilngWk;.

wjyWmekBk> Eyl> V‰ˇ - 2014



upay; khl;upl; mzp rhk;gpad;

‘fpsg;’ mzpfSf;F ,ilapyhd ‘gpgh’cyf Nfhg;ig fhy;ge;J njhlupy;>

fpwp];bahNdh nuhdhy;Nlhtpd; upay;

khl;upl; mzp rhk;gpad; gl;lk; ntd;wJ.

igdypy;> rhd; yhud;Nrh mzpia

Njhw;fbj;jJ. nkhuhf;Nfhtpy;> ‘fpsg;’mzpfSf;F ,ilapyhd 11tJ ‘gpgh’cyf Nfhg;ig fhy;ge;J njhlu; ele;jJ.

,jd; igdypy;> ];ngapdpd; upay; khl;upl;

mzp> mu;n[d;bdhtpd; rhd; yhud;Nrh

mzpfs; Nkhjpd. mghukhf Mba upay;

khl;upl; mzp 2:0 vd;w Nfhy; fzf;fpy;

ntw;wp ngw;wJ. upay; khl;upl; mzp

rhu;gpy; uNkh];> ghNy jyh xU Nfhy;

mbj;jdu;. ,jd;%yk; upay; khl;upl;

mzp> ‘fpsg;’ mzpfSf;F ,ilapyhdcyf Nfhg;igapy; Kjd;Kiwahf

rhk;gpad; gl;lj;ij ifg;gw;wpaJ. jtpu>

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Vizyed>Ît> tkvl>kz> 358




A CATCH UP RRSP LOAN & INVEST

v‰men vR pt>Trb>kz> tyeRt>ˇ

sm›Pk>m> kelm> Arm>Pt>ˇ Vd>dˇ.

2014 Am> Ax>Dl> …b>kz> v‰menm>

aTkm> ån>ptel> knDy arÍk> aTkm>

vR wsÒt>Ty Vd>∂›kz> ån k‰Tnel>

ETl> o‰ pTWyBm> µzp>wpq

Wvx>Îmenel> atin åv>veŒ

µzp>wpŒvˇ?

kdf>t v‰db>kZl> tb>kZn>

v‰ment>Tin aDp>pidyek ivt>ˇ

Qp>Pd>d o‰ wteik vir ($25,000

wdel› ån k‰ˇWvem>) pT◊

wsy>yp>pd>d Oy>GTy Td>dt>Tl> Ât¬Î

wsy>ylem> ån knDy v‰menvR

FŒvnm> aBmT tf>ˇz>zˇ. (RRSPContribution room) Ef>t $25,000wdelRin Ât¬Î wsy>y …dnDyek

tb>kZn> ikkZl> pxm> El>lemÒm>

E‰k>klem>.

Åq>knWv v‰men vRÁm> aTk

v‰menm> ån>q aDp>pidYl> 40%

(Hight tax bracket for high income level)aqVdp>pd>Îz>zˇ. Mkk> iqf>t

vd>DYl> FT FŒvnb>kz>, vb>Kkz>,

kep>∏ŒT km>pNkz> kdn> vsTkiz

o¯b> wsy>ˇtf>ˇ Ât¬d>Î

vsTkizÁm> wsy>ˇ tr …b>kiz

aiut>ˇk> wkex>D‰k>Kqˇ.

kdnek åÎt>t $25,000 wdel›

pxt>TinÁm> pT◊ wsy>yp>pd>d

Oy>GTy Td>dt>Tl> (RRSP Plan) wpp>rvR2015 Eq> Ân>n› Ât¬Î wsy>tel>

Íme› $10,000 wdel› wsÒt>Ty

vRYin µzp>wpqlem>. µzp>wpq>q vR

pxm> $10,000 El> kdin kd>D MT

$15,000 wdel› kdinÁm> iqf>t

vd>DWyeÎ pT pTyek wsÒt>T

ÂDk>klem>. V‰m>Pnel> ˇRt kTYl>

wsÒt>T ÂDt>ˇ Vdlem>.

Ât¬d>Dl> (RRSP savings fund) ivp>∏wsy>t $25,000 wdel› pxm> vd>Dk>

vd>D ån>q Wvkt>Tl> vz›f>ˇ v‰m>.

wpqp>pd>d kdBk> wsÒt>ˇm> vd>D

Yin Vd Eb> Ât¬d>Î vz›s>S

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vz›f>ˇ v‰m>. Ef>t vz›s>Sk> åˇVt

men vRÁm> wsÒt>tt> WtivYl>il.

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ik wkeÎk>m>.

wpeˇvek Wmilt>Wts feÎkZl>

wsl>vf>t›kzek vf>tv›kz> E‰

Wked>ped>Din tt>ˇve›t>t º›vmek

Qp>PÎve›kz>.

1. kÎimyen …iup>Pl> pxm>

WsMp>pˇ Âtl> kd>dm>.

2. vb>KkZn> pxt>Tin …pWyeKt>ˇ

pxm> WsMp>pˇ Erx>devˇ kd>dm>

ån>ptem>.

kep>∏ŒT km>pNkZn> Ât¬d>ÎTd>db>kz> åT› vb>K Wpen>q FTFŒvnb>kZn> Ât¬d>Î Td>db>kz>(Segregated funds vs Mutual funds)

Eb> vb>K Wpen>q FT FŒvnb>kZn>

Ât¬Î wsy>vˇ fl>lte?

al>lˇ aBpvÂz>z kep>∏ŒT ÂkvRn>

…tVÁdn> kep>∏ŒT km>pNYl> Ât¬Î

wsy>vˇ fl>lte?

Erx>Îm> on>Œten>! vb>K, FT

FŒvnb>kZn> Ât¬Îkiz mekex

Ât¬d>Î sd>db>kz> (Securities legisla-tion) wfQp>pÎt>ˇKn>qn.

kep>∏ŒT km>pNkZn> Ât¬Îkiz

mekex kep>∏ŒT sd>db>kz> (Provinciallife insurance act) wfQp>pÎt>ˇKn>qn.

Anel> kep>∏ŒT km>pNkZn> Ât¬d>Dl>

Sl Prt>TWykmen aBØlb>kiz

Eb> Qp>Pdlem>.

1. Ât¬d>Dn> peˇkep>∏(financial protection)

Sl ˇ› aT›c>dmen sf>t›p>pb>kZl>

Ât¬d>Î vz›s>S ån>pˇ fed>Dn>

wpe‰zeter peTp>∏kZnel> pyb>krmek

√u>s>S aidylem>. ap>pD o‰ Filim

Åq>pd>del> Arm>p Ât¬d>Î px wpŒmT

˚Wu Eqb>K, E‰f>t pxÂm> iqf>t

wkex>Î Wpem> Filim

…‰vekmed>deˇ ån …ŒTyek wsel>l

ÂDyeˇ. Anel> kep>∏ŒT km>pNYl>

Ât¬Î wsy>Ám>Wpeˇ, Qp>Pd>d o‰

kelt>Tq> wted›f>ˇ pxt>Tin

kxt>Tl> ivt>T‰f>tel> 75% - 100%

vir Arm>p ivp>∏ pxt>Tq> Apt>ˇ

åˇ◊m> …‰vekeˇ wvZWy åÎk>klem>.

2. åv‰m> ikivk>k ÂDyetpeˇkep>∏ (creditor protection) wkeÎt>ˇ†›k>k Wvx>Dy tb>kZn> px

wkeÎp>pn◊kZl> tb>k¸k> åTrek

ƒTmn>q …t>tr◊kz> Åtevˇ vf>tel>

vb>kZl> …z>z skl Ât¬ÎkizÁm>,

arSn> sd>db>kiz ivt>ˇ åf>T

sf>t›pt>TÒm> Âdk>klem>. Anel>

kep>∏ŒT km>pNYl> …z>z tb>kZn>

Ât¬d>id kndeVn> sd>db>kWze

al>lˇ ƒTmn>q …t>trWve åf>t

sf>t›p>pt>TÒm> aTkert>Tin

…pWyeKt>ˇ Âdk>k ÂDyeˇ.

3. mrxt>tn> Pn>∏ peˇkep>∏(Death protection)

åT›peretVtmek tb>k¸k> …Y›

Eup>∏ Åq>pd>del> åv‰k> tb>kZn>

Ât¬d>Î pxm> Wpey> Wsr Wvx>Îm>

ån>ptin kep>∏ŒT km>pNYl> Ât¬d>Î

kxk>Kin Arm>Pk>m> WpeWt

Qp>Pd>Î ivk>klem>. Ed>d Ât¬Î

fd>dMl>leˇ tb>kZn> …YRup>Pn> Pn>∏

tem> V‰m>∏pv‰k> Wfrek Wpey>

Ws‰m>. Anel> vb>kZl> Ef>tmeTR

vsTkz> El>il. …Y› Eup>Pn> Pn>∏

veRÍkz> sd>d®Tyen a˛ Âiq

∫lWm pxt>Tin µz> wpqlem>.

tb>kZn> …Y› Eup>Pn> Pn>∏

fd>dMl>leˇ veRÍk¸k> Â¯vˇm>

Ws‰m> ån>ptq> Â¯imyen …t>tr

vetÂm> El>il.

kdn> åÎt>WtBm> Ât¬Î wsy>ˇ wsÒt>Tv‰men vRYin µzp>wpŒb>kz>

knDy tkvl> wted› 224

Sv. pg>sLb>km> B.Com.,(Licensed Insurance Broker)

kep>∏ŒT sm>pf>tmen AWlesink¸k>:

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AUM WELLNESS CLINIC INHealing Massage, Suffering From Pain?

Get Relief From:ÂˇvL k¯t>ˇvL Wtez>pd>idvL Âub>kel> vLkz> †rettilvL frm>∏p>PDp>∏ ƒRU◊ ∞k>kMn>im wkelc>Wrel>

…dl> åid iqt>tl> Ert>t Od>dt>it ßrek>tl>

Wpen>qvq>Qq> Evir feÎb>kz>

Dr. Lata

Based on Appointment

Cell: 416.890.9217 Office: 647.304.60465215 Finch Ave. E. #220, Toronto, ON

2015



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mEgtxsp ngw;W tskhd tho;T ngwNt

2015 Mk; Mz;Nl tpiue;J tUtha;

,U fuk; ePl;b tuNtw;fpd;Nwhk;

gUtfhyk; khwpepw;Fk;

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kdk; Fspu tpiue;J tUtha;

∏t>tex>Dl> ∏t>wt¯s>S

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kz;zpy; khe;jh; kfpo;e;J ghl

fhiyf;fjputd; fz; tpopf;f

fhf;fh FUtp fspj;Jf; $l

ntz;gdp nghope;J tpz;iz kiwf;f

tpz;zth; te;J tho;j;J $w

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fUq; Foy; fd;dpah; fLfp tpiua


gQ;rk; gl;bdp grp gwe;jpl

ghhpy; gfytd; gl;nlhsp fhl;l

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ehLfs; NjhWk; ey;YwT xq;f


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Gjpa G+kp Gjpjha;g; gilj;J

GJikfs; nra;J Gz;zpak; Njb

ez;gh;fs; ehb ey;YwT $b

ehdpyk; kfpo eykha; tho


∏Ty ∏t>tex>Wd∏lf>ˇ ƒ v‰k

- mee>k>km> sf>Trn> -

E˛Vl> T‰Ge> on>Qym> aQVt>tl>

wpeb>kl> Vue 2015fdlh tho; ,Ztpy; kf;fspd; 14 MtJ nghq;fy; tpoh fdlh fe;jRthkp

Nfhtpy; kz;lgj;jpy; 24.01.2015 rdpf;fpoikad;W ,lk;ngwTs;sJ. ,t;tpohtpy;

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∏t>tex>Î fl>veu>t>ˇ2015

HomeLife / GTA Realty Inc., Brokerage*5215 Finch Ave, E, #203 Toronto, ON

Tel: 416.321.6969*Independently Owned & Operated

åmˇ vze>s>Sk> ån>Œm> Atr◊ t‰m> fx>pe>kz>, veDk>ikyeze>kz>,Âkve>kz>, ædkfx>pe>kz> mq>Œm>yev‰k>m> ∏ˇv‰d fl>veu>t>TinwtRVk>Kn>Wqem>.

Justin WilliamsBroker / Manager

Eddie WooBroker / Owner

Raja MahendranBroker / Owner



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Documents

2015 El> kWnDy wpe‰zeter vz›s>S! - VLAMBARAM 01, 15.pdffT 25 pelm>01 s∫k Ân˘Wnq>qp>pt>TRik metM‰Âiq Elvsm> JANUARY 01, 2015 VLAMBARAM, GTA SQUARE, 5215 FINCH AVENUE EAST,