Best Magazine spring test

1THE BEST MAGAZINE SPRING 2014

THE SPRING EFFECT

BUSINESS . DESIGN . REAL ESTATE . INFORMATION . LIFESTYLE . INSURANCE . ECONOMY . ETC

GARDENINGTIPS FOR SPRING

Everything seems to suggest 2014 will be a good year for the economy. Welcome the spring effect, welcome to growth...

2 THE BEST MAGAZINE SPRING 2014

a place where you can find experts in their field

BU

SIN

ES S

- EN T R EPRENE

UR

S - SE R V I C E s - T E A

M -

Lorena Balkowski(905) 814 0550

Edwin Galeano(905) 290 1451

Henry Lopez(289) 838 6317

Sandra Kubo(289) 300 0768

Juan David Hurtado(416) 900 9667

Katherine Lozano(705) 890 0518

Julio Perez(647) 992 2064

Daniel Valdivieso(416) 930 4360

Francisco Garzón(647) 999 9724

Diego Gonzalez(416) 704 6013

Joe Ferreyro(905) 886 2200

Mauricio Jimenez(647) 688 5814

Jorge Baquero(647) 830 6699

Oriana Brusco(416) 838 5315

Jose Bustillos(905) 712 2020

Jorge Davila(416) 829 3974

Claudia Falquez(416) 787 6529


22THE SPRING EFFECT

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ECONOMY & FINANCES

WORLD & PEOPLE

HEALTH

GET READY FOR YOUR SPRING DRIVEJose Bustillos

WHO IS YOUR SPOUSE: DESIGNATED BENEFICIARIES, A WORD TO THE WISEClaudia Falquez-Warkentin

REAL ESTATE SPRING MARKET Francisco Garzón

CHOOSING A FINANCIAL ADVISOR Joe Ferreyro

FIXED-RATE VS. VARIABLE-RATE: WHICH ONE IS THE RIGHT FOR YOU?Katherine Lozano

Lorena Suarez-Balkowski

INFOMERCIAL: SHOULD I USE IT!Mauricio Jimenez

TRANSLATING IS NOT A COPY-AND-PASTE GAME OF WORDSJuan David Hurtado

SPRING STAGING TIPSSandra Kubo

HOW DO YOU TELL PEOPLE TO BUY YOUR PRODUCT?Daniel Valdivieso

SPRING CALENDAR GARDENING TIPSOriana Brusco

MANOS PARA SU SALUDEdwin Galeano

THE IMPORTANCE OF IMPLEMENTING PREVENTATIVE MEASURES TO PROTECT YOUR INFORMATION Jorge Baquero

EYE ALLERGIES “BLOOMING”Dr. Julio Perez

SPRING HOME MAINTANANCE. Jorge Davila Jones

PAY ATTENTION TO YOUR PENSIONDiego Gonzalez

SURPRISES AFTER FILING YOUR TAXESHenry Lopez

TECHNOLOGY

TRAVEL SAFETY TIPS FOR TRAVELERS

34SPRING STAGING TIPS


Editor & General ManagerDirector Editorial BoardAdministrative Director

Creative DirectorChief Financial Officer

Director of photography

Articles

BESTMAGAZINE

FRANCISCO GARZONJULIO PÉREZJOSE BUSTILLOSDANIEL VALDIVIESOHENRY LOPEZ

MAURICIO JIMÉNEZ

LORENA BALKOWSKIJORGE BAQUEROORIANA BRUSCOJOSE BUSTILLOSJORGE DAVILA JONESCLAUDIA FALQUEZJOE FERREYROEDWIN GALEANOFRANCISCO GARZÓNDIEGO GONZÁLEZJUAN DAVID HURTADOMAURICIO JIMÉNEZSANDRA KUBOKATHERINE LOZANOHENRY LÓPEZJULIO PÉREZDANIEL VALDIVIESO

El contenido de esta revista no refleja necesariamente la posición del Editor. El responsable de los conceptos emitidos en cada artículo es la persona quien los emite y escribe. BEST Group es co-titular con el columnista de los derechos de autor de los artículos aquí emitidos en inglés o español y está prohibida la reproducción total o parcial, en cualquier idioma. Copy Right/BEST Group 2014 BEST MagazineBEST Magazine únicamente publicará artículos y publicidad escritos o suministrados o desarrolados por personas activamente pertenecientes a BEST Group. Nuestra política editorial admite publicidad en artículos o publi-reportajes y cuida en todo momento de su calidad y seriedad.Los editores publicarán los avisos autorizados por los anunciantes, bajo la totalidad responsabilidad de estos. Stock photos Credit : 123rf.com

Questions and feedback:

2471 Sylvia Drive, Oakville ON Canada L6H 0C9

Email: [email protected]

Online: www.thebestgroup.ca

EditorialWelcome to the spring edition of BEST Magazine. Thanks to all of our friends and readers for the kind words and blessings we received after the launch of a magazine written with passion by a group of entrepreneurs who want to provide guidance in subjects we face, live, and ask about every day. Our adventure as columnists continues to be focused on informing, sharing and promoting ourselves as professionals who are experts in different fields and topics.

During the meetings with all the members of BEST and in our editorial committee, we reviewed our first edition and were tough critics on ourselves with the sole and clear objective of bringing all of you a magazine with articles that answer your questions, illustrate, are pleasant to read, and show truly professional content. Our second edition is focused on the opportunities this great season of spring brings. We will find timely recommendations and useful tips that will allow you to enjoy, invest, make decisions and maximize everything you do for the well being of your families, businesses, and jobs.

EditorialBienvenidos a la edición de primavera de BEST Magazine. Muchas gracias a todos los amigos y lectores por las múltiples felicitaciones y bendiciones que recibimos por el lanzamiento de una revista escrita con la pasión de un grupo de emprendedores que quieren informar sobre temas que en el día a día todos enfrentamos, vivimos, preguntamos y con los cuales debemos lidiar. Nuestra Aventura hoy como columnistas continua enfocada a estar informandos, compartiendo, y dándonos a conocer como profesionales expertos en diferentes temas y campos.

En las reuniones de nuestro comité editorial y en las reuniones con todos los integrantes de BEST hemos revisado nuestra primera edición, hemos sido duros críticos de nosotros mismos, con el único y claro objetivo de traerles a todos ustedes una revista con artículos que resuelvan dudas, que informen, que sean agradables y sobre todo que con contenido realmente profesional.

Nuestra segunda edición está enfocada en las oportunidades que la linda estación de primavera trae consigo. Las recomendaciones se hacen necesarias y buscamos ser oportunos con consejos claros y con recomendaciones profesionales que les permitan a ustedes disfrutar, invertir, tomar decisiones y maximizar todo lo que ustedes hagan en función del bienestar para sus familias, empleo y negocios.

editorFrancisco Garzón

COVER BEST SPRING 2014Photo from Shutterstock


Questions and feedback:

2471 Sylvia Drive, Oakville ON Canada L6H 0C9

Email: [email protected]

Online: www.thebestgroup.ca

INFLATION (CONSUMERS PRICE INDEX)

AVERAGE EXCHANGE RATEINTEREST RATE

STOCK EXCHANGE

OIL (USD/BARREL)

GROSS DOMESTIC PRODUCT (GDP) GROWTH RATE

UNEMPLOYMENT RATE

CANADA

CANADA

MEXICO

MEXICO

EUROPEAN UNION

EUROPEAN UNION

USA

USA

CANADA

TREASURY BILL (CANADA)

PRIME RATE (CANADA)

TREASURY BILL (USA)

PRIME RATE (USA)

TORONTO TSX

CANADIAN OIL

WEST TEXAS INTERNATIONAL

MEXICAN OIL MIX

DOW JONES NASDAQ MEXICO IPC

7.1%

2013 2014

2013 2014

2013 2014

(MARCH 14)

(FEB14)

7.4%

4.9%

10.9%

7.0%

6.7%

4.7%

10.6%

0.97%

3.00%

0.06%

3.25%

0.89%

3.00%

0.06%

3.25%

MEXICO

EUROPEAN UNION

USA

2013

2013 2014

1.24%

2.0%9.60%12.40%

26.50%12.90%

38.30%27.20%

-2.20%

90.27

97.85

98.76

80.59

97.49

90.65

-8.20%

2.6%

2.7%1.9%

1.1%0.7%

-0.4%0.5%

1.03

2013Q-4-13

20132014

1.377

12.44

1.105

1.523

11.81

2014 1.14%

2013 3.97%2014 4.23%

2013 1.50%2014 1.13%

0.80%2014

0.99%2013

CAD/USD

CAD/EUR

MXN/CAD

€ $$


*Los descuentos varían por estado.Las pólizas, formularios y notificaciones de State Farm están escritos en inglés.State Farm Fire and Casualty Company,

State Farm General Insurance Company, Bloomington, IL.1304021

Te puedo ayudar a conseguir descuentos de hasta un 40%*.Como agente de State Farm®, te podría ayudar a reducir costos sin dejar de recibir la cobertura que necesitas. Desde seguros de negocios hasta planes de jubilación para empleados, mi negocio es proteger el tuyo. Como un buen vecino State Farm está ahí®. MEJORA TU ESTADO®. LLÁMAME HOY.

Pequeño negocio.Grandes ahorros.

Jose Bustillos, Agent304-10 Kingsbridge Garden CirMississauga, ON L5R 3K6Bus: [email protected]


It has been a long and cold winter and finally Spring is showing it is here to stay! Winter’s snow, ice and bitter cold can be rough on vehicles so prepare your car for warm-weather driving with these

maintenance tips.

1. Schedule an Inspection“The first thing drivers should do is to have a technician look for

damage caused by winter driving,” says Tony Molla, Vice President

of Communications at the National Institute for Automotive Service

Excellence (ASE) and an ASE-certified technician. Your mechanic

also can perform regular maintenance tasks such as changing the

oil, inspecting the brakes, topping off fluids, aligning the vehicle

and checking the condition of hoses and belts.

2. Change Your TiresSome drivers switch to seasonal tires during winter.

“If you’re using actual snow tires, change them to all-season tires in

the spring,” Molla says. If you drove on all-season tires throughout

the winter, check for baldness and be sure to have them rotated

when spring arrives. And don’t forget to regularly test your tires

pressure, which can be affected by changing temperatures.

3. Swap the WipersWinter weather can wear out wipers. “Treat your winter wiper blades

like snow tires,” Molla says. “Replace them with standard all-purpose

blades.” You also may need new wipers if your blades are cracked

or torn, or if they leave streaks on your windshield.

4. Inspect the BatteryHave your battery tested and replaced if necessary. Molla

recommends drivers also inspect battery terminals. “If you notice

any visible corrosion you can carefully clean it with baking soda and

a wire brush,” he says. Molla cautions that car owners should work

in a well-ventilated area and wear proper safety glasses and rubber

gloves when conducting this task. “If you’ve noticed any trouble

starting your car during the winter, such as slow cranking speed

when you start the engine, you should have a certified technician

check your charging system and battery condition.”

5. Clean Your CarExtend spring cleaning to the driveway. “You should try to hand-

wash your car when weather permits,” Molla says. This helps remove

corrosive salt and abrasive sand. Two important areas to wash are

the wheel wells and underbody. Inside the car, remove floor mats,

vacuum the floors and upholstery and dry out any damp areas.

ECONOMY AND FINANCE ECONOMÍA Y FINANZAS

GET READY FOR YOUR SPRING DRIVE BY JOSE BUSTILLOS


WHO IS YOUR SPOUSE: DESIGNATED BENEFICIARIES, A WORD TO THE WISE

BY CLAUDIA FALQUEZ-WARKENTIN • LAWYER •

Reality, and what we believe is real, are two very different things. As Maria Dorothea Heidler describes in Scientific American – Mind (Volume 25, Number 2, March/April 2014), “our brains lead us to believe false truths” a phenomenon

called confabulation, that is, “how we construct our personal sense of what is real – and what is not.”

Ms. Heidler describes the case of a 73-year old man who lived in a home for the elderly in Germany. A nurse asked him about his weekend and he said: “Oh, my wife and I flew to Hungary, and we had a wonderful time!” - It turns out that his wife had passed away five years ago and he had not left his home in months. Ms. Heidler wondered if he was just trying to impress the nurse or perhaps was he confabulating?

Maybe the 73-year old man was ill; however, often reality is what each person consciously makes it out to be. In this case, a word to the wise: the person you may believe to be your spouse may not match the legal definition of “spouse”, under the law. To protect a spouse in the event of death, or to protect property and income in the event of divorce, it is first necessary to verify the legal definition of “spouse” under the correct legislation.

If care is not taken to identify who will be the “spouse” in receipt of benefits under the Life Insurance, Pension or RRSP plan at the time of death; or in the event these designations are not consistent with a properly drafted will, a marriage/cohabitation or a separation agreement, that special someone may be in for a rude awakening to a very different legal reality from yours.

More importantly, your wishes will be trumped. Consider the following:

It is possible to have two spouses at the same time. In Carrigan vs. Carrigan Estate, Mr. Carrigan had been married and separated from his first spouse a few years before his death. On his death, he had been in a common law relationship. Mr. Carrigan had

designated his first spouse as the beneficiary of his Pension plan and did not change this designation on separation. Upon his death, both the first (still married) spouse and the common law spouse entered into a dispute over the pension pre-retirement benefits. The Court of Appeal held that neither spouse qualified as a “spouse” as defined by the Pension Benefits Act and decided the designated beneficiary would receive the benefits, who happened to be the first spouse.

You remarry and believe that your second spouse will receive your Pension benefits. In King v. King the court held that since the first wife had not properly released her right to the pension benefits in the separation agreement, the second wife did not qualify as “spouse” under the Pension legislation ending up being excluded, contrary to Mr. King’s wishes.

You may believe you are single and have no spouse: A man decided not to cohabit with his partner to protect himself from a division of his property and called the relationship “dating”. The courts did not agree with the argument, and found he was in a common-law relationship as a “spouse”. In this case, his “spouse” received spousal support and compensation for contributions to his property.

Confabulation is a trick of the brain, however too often we all fall prey to beliefs that may not be true. Our job as legal advisors is to test your view of reality against the law to ensure your real wishes are ultimately met.



DERECHO MATRIMONIAL • MATRIMONIAL LAW / DERECHO DE SUCESIONES • WILLS AND ESTATES LAW / PROCESOS JUDICIALES • COURT LITIGATION / MEDIACIONES • MEDIATIONS / NEGOCIACIONES • NEGOTIATIONS / ASUNTOS NOTARIALES •

NOTARIZATION & LEGALIZATION OF DOCUMENTS • TRAVEL CONSENTS

CLAUDIA FALQUEZ – WARKENTIN

(416) 786-6529

EXPERIENCE • PROFESSIONAL • PRACTICAL

970 Lawrence Avenue West, Suite 205 • Toronto, Ontario, M6A-3B6 (Dufferin & Lawrence)



Choosing a financial advisor:Here’s a guide to the designations to look for when

choosing a financial advisor. If you need specialized advice, you may want to look for an advisor with a

designation that indicates expertise in that area.Financial Designations

• Certified Financial Planner, CFP®• Chartered Life Underwriter, CLU®• Certified Health Insurance Specialist, CHS™• Chartered Financial Consultant, CH.F.C.

Certified Financial Planner, CFP® The Certified Financial Planner (CFP) designation is an internationally recognized standard for financial planning. It is granted by the Financial Planners Standards Council (FPSC). An advisor with a CFP may help you with personal financial planning and offer advice on investment products and strategies.

Certified Health Insurance Specialist, CHS™

The CHS designation positions financial advisors to meet the growing market demand for informed living benefits advice, through education and practice expertise in all relevant health insurance areas including disability insurance, critical illness, long-term care insurance, basicand extended health insurance, drug and dental insurance,

emergency medical insurance plans for travellers and insurance that provides immediate access to healthcare.

Chartered Life Underwriter, CLU®

The Chartered Life Underwriter (CLU) is a professional financial advisor specializing in developing effective solutions for individuals, business owners and professionals in the areas of income replacement, risk management, estate planning, and wealth transfer.

Chartered Financial Consultant, CH.F.C.

A Chartered Financial Consultant (CH.F.C.) is a financial advisor with advanced knowledge in wealth accumulation and retirement planning.

Other Designations

Canadian Investment Management, CIM The designation is conferred by the Canadian Securities Institute and indicates successful completion of courses in investment management and portfolio management. Certified General Accountant, CGA Advisors with the CGA designation are members of the Certified General Accountants Association and have completed the CGA program

Certified Management Accountant, CMA

The CMA designation in management accounting is granted and regulated by CMA Canada under the authorization of provincial legislation.

Chartered Accountant, CA

The CA program combines academic study, professional education and practical working experience and ensures that students develop analytical, financial, accounting, communication and leadership skills.

Source: Advocis.ca Advocis is the oldest and largest voluntary professional membership association of financial advisors and planners in Canada

BY JOE FERREYRO, CFP


Learn more about becoming a Sun Life Financial advisor today.

Joe Ferreyro, CFP® Finacial Centre [email protected]/joe.ferreyro

Named one of the 2014 Global 100 Most Sustainable

Corporations in the world

Canada’s Most Trusted Life Insurance Brand

Trusted. Sustainable.

™TRUSTED BRAND is a trademark of Reader’s Digest Association Canada ULC. Mutual funds offered by Sun Life Financial Investment Services (Canada) Inc. Sun Life Financial advisors are contracted with Sun Life Financial Distributors (Canada) Inc. registered in Quebec as a financial services firm. Sun Life Assurance Company of Canada is a member of the Sun Life Financial group of companies. © Sun Life Assurance Company of Canada, 2014.

Life’s brighter under the sun


REAL ESTATE SPRING MARKET BY FRANCISCO GARZON


Is spring the time for buying or selling? This is a challenging

question that may be answered and explained by an

experienced REALTOR® using market statistics and trends,

macroeconomic data, and a firsthand knowledge of the

market.

The spring market is dynamic and fast paced. Although the

inventory of houses available remains limited spring is the

time of year when the amount of houses on the market

reaches a maximum. Interest rates are still at historic lows and

high demand makes the buying/selling process extremely

competitive and aggressive. Prices will continue to increase.

After one of the coldest and whitest winters in recent years for

the GTA, the real estate market is waking up a little late and

many Economic Gurus and Bankers are projecting strong sales

for 2014 real estate market. Why? Because there continues

to be a real demand (no speculation) of buyers and families

looking for housing and strong economic perspective.

The Sellers PerspectiveTo switch your current home for a bigger property may be

a good strategy at this time. The market for smaller houses

shows higher demand than that for bigger houses. It would

make sense to take advantage with today’s very low interest

rates and step up in your creation of equity. Competition

will allow Sellers to receive good prices for their houses as

long as they have a well-defined price, the help of a qualified

professional and effectively showcase the property.

The Buyers PerspectiveEntry level houses show limited inventory and first time home

buyers need a REALTOR® that is a good negotiator, will prepare

them and must know how to move fast in this kind of market;

first time home buyers must also be

mortgage prequalified.

Buyers must be prepared for a fight in today’s multi-offer

competition situations. Conditional offers will not stand a

good chance and buyers must be ready to take risks and

make decisions on their feet. In order to create a firm yet

unconditional offer it is suggested that you conduct a

pre-qualification with your bank and an inspection before the

offer presentation date.

Prices are still affordable according to the most recent Royal

LePage Survey (2014). Prices will not slow down in a market

who has high demand, limited inventory and low interest rates.

Do not be crazy, but rather smart and ready to take risks. Go

ahead and invest in your future.


GOLD CMYK = 30. 29. 67. 1

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After a long and cold winter, there are many great things that come with spring. One of the most important is to realize the dream of buying or selling your home . To make it a reality, rely on the professionalism and experience of Francisco Garzon TEAM and start creating unforgettable moments today.

10 years of creating unforgettable moments

V2_FG_BestAd_8_75x11_25.indd 3 2014-04-27 1:23 PM


PAY ATTENTION TO YOUR PENSION! BY DIEGO GONZALEZ

• CPP (Canada Pension Plan)

• OAS (Old Age Security)

• RPP (Registered Pension Plan)

• DPSP (Deferred Profit Sharing Plan)

• RRSP (Registered Retirement Saving Plan)• LIRA (Locked-in Retirement Plan)• TFSA (Tax Free Saving Account)

• RDSP (Registered Disability Savings Plan)

1. GOVERNMENT SPONSORED PLANS 2. EMPLOYER SPONSORED PLANS 3. INDIVIDUAL RETIREMENT PLANS

Canada has three pillars of Pension for Retirement. This is the first of a series of three articles related with the Retirement strategies in Canada.

CPP: CANADA PENSION PLAN

OAS: OLD AGE SECURITY


• Qualification Criteria:

• To get the maximum:

• Contributions:

• Maximum CPP 2013:

• Average CPP 2013:

• Qualifications Criteria:

• To get the maximum:

• Contributions:

• Maximum OAS 2013:

• Repayments:

• GIS (Guaranteed Income Supplement):

• Allowance:

• Years of contributions and amount of those contributions.

• 40 years of contribution based on the YMPE (yearly maximum pensionable earnings),

money today: $ 51,100 changing by CPI every year)

• Employer: 4.95% of $ 47,600 = $ 2,356.20 annually

• Employee: 4.95% of $ 47,600 = $ 2,356.20 annually

• Self-employed: 9.9% of $ 47,100 = $ 4,712.40 annually

• $ 708.75 monthly at 60 (30% less)

• $ 1,012.50 monthly at 65

• $ 1,437.75 monthly at 70 (30% more)

• $ 633 monthly. Due to the fact that most people do not qualify for the maximum amount.

• Years of Residency in Canada.

• 40 years. Minimum 10 years and then is prorated.

• None

• $ 546.07 monthly.

• Since this is a non-contributory plan, the Government will ask you for money back when your total pension

is more than $ 70,954 by 15% of the excess. When your pension reaches $ 114,540, you don’t get OAS.

• For singles, widowed, divorced or surviving common-law partner pensioners with low income,

approximately $ 740 dollars a month.

• For spouse/common-law partners with low family income and one spouse is receiving OAS, the partner

between 60 and 64 will get around $490 dollars a month until he/she reaches 65.

These are taxable benefits at retirement and the contributions qualify for a non-refundable tax credit, meaning that you use them to decrease the taxes you pay, but you don’t get a refund in cash.

Old Age Security is taxable income, guaranteed income supplement and allowance are non-taxable. Life’s brighter under the sun


Diego F. Gonzalez CFP® CLU®

[email protected]/diego.gonzalez

™TRUSTED BRAND is a trademark of Reader’s Digest Association Canada ULC.Mutual funds offered by Sun Life Financial Investment Services (Canada) Inc. Sun Life Assurance Company of Canada is a member of the Sun Life Financial group of companies. © Sun Life Assurance Company of Canada, 2014.

You can keep counting on us to help build your financial future.





Case Study:

Carlos and Pilar, professionals, came to Canada when they were 35 years old. After 5 years they were able to find a position in their professional field. Carlos now is making $ 70,000 a year and Pilar $ 40,000. They heard that they don’t need to save for retirement since Canada’s Government pension will take care of them.

This is what this couple will get from the Government Sponsored Pension Plans:

Carlos’ qualifying period is 25 years (63%) and he is making more than the YMPE ($51,100), then he could get around $ 600 dollars a month from CPP and $ 300 from OAS, for a total of $ 900 dollars, of today’s money when he is 65.

Pilar has the same qualifying period, but since she is making less than the YMPE, her CPP will be reduced to approximately $ 400 dollars a month and her OAS would be the same $ 300, the reason being is that OAS only qualification criteria is years of residency.

* Assuming Pension Splitting and a 20% average tax.

In conclusion, if this nice couple relies only on Government pension, $ 1,280 dollars a month will not be enough for their retirement. They will need to complement their retirement income with the other two pillars of Pension in Canada that we will discuss in the next articles.

To analyze your current financial situation and how to achieve your retirement goals, consult with your Financial Advisor.

In summary this is their situation:

Life’s brighter under the sun


Diego F. Gonzalez CFP® CLU®

[email protected]/diego.gonzalez

™TRUSTED BRAND is a trademark of Reader’s Digest Association Canada ULC.Mutual funds offered by Sun Life Financial Investment Services (Canada) Inc. Sun Life Assurance Company of Canada is a member of the Sun Life Financial group of companies. © Sun Life Assurance Company of Canada, 2014.

You can keep counting on us to help build your financial future.




Pension @ 65 Carlos Pilar TotalCPP $600 $400 $1,000

OAS $300 $300 $600

Gross $900 $700 $1,600

Taxes* $180 $140 $320

Net $720 $680 $1,280


SORPRESAS DESPUÉS DE ENVIAR SUS IMPUESTOS

SURPRISES AFTER FILING YOUR TAXES

BY /POR HENRY LOPEZ BBA, CPM

Generalmente la llegada de la nota de revisión (Notice of Assessment en ingles) es la confirmacion de que la información de sus impuestos fue recibida y procesada de acuerdo a lo que el Canada Revenue

Agency (CRA) tiene en su cuenta y la información reportada por terceros (su empleador,

instituciones financieras, seguro de desempleo, esposo(a), ex-esposo(a)

etc.).

La nota de revisión puede reflejar algunos ajustes, en algunos casos a su favor o en otros casos se convierte en una mala noticia.

Lo primero que usted debe hacer es leer bien la nota de

revision, y analizar punto por punto los ajustes que el CRA

hizo a sus impuestos. Es posible que se haya olvidado reportar alguna

información con respecto a su ingreso o que alguna forma no le haya llegado a tiempo,

tambien puede haber inconsistencias a la hora de preparar sus impuestos.

Si después de este analisis no está de acuerdo con la revisión, usted puede comunicarse con el CRA o contratar a un profesional para que lo represente. Usted tiene el derecho de solicitar una revisión de su caso y de registrar una objecion formal antes de 90 dias de haber recibido la nota de revisión.

A este punto lo mejor que usted puede hacer es contar con los servicios de un professional idoneo que le oriente y explique las diferentes alternativas y le asesore en los procedimientos a seguir para que el caso tenga éxito.

T he Notice of Assessment is the evidence of your

return’s information was received and processed

according to your CRA account’s information

reported for you and third parties

(your employer, financial institutions,

Employment Insurance, spouse,

ex-spouse, etc.).

The Notice of Assessment

can have adjustments, some

of them in your favor or

definitely it becomes bad

news.

The first step you have to do

is read carefully your Notice

of Assessment and review each

adjustment made by the CRA to

discard lack of information regarding

your income, or not inclusion of any form

required in your return. There may also be

inconsistencies in your return’s preparation.

If after analyzing the adjustments you are not agree with the

Notice of Assessment, you can contact CRA or can authorize a

representative to do it. You have the right to request a review

of your case and filing an objection. The time limit to file an

objection is 90 days from the date on the Notice of

assessment.

At this point hire an expert to guide you and explain the

different alternatives and procedures might be the best

option to ensure the success of your case.



Es usted emprendedor,consultor, contrasta o

dueño de su propio negocio?

Cuente con nuestros servicios profesionales:

ü Asesoria contable y de impuestos para pequeños negocios

ü Incorporacion de su empresaü Preparacion y presentacion de

Impuestos (sole-proprietorship, Corporaon, HST/GST, Payroll Remiances entre otros)

ü Representacion ante el Canada Revenue Agency, apelaciones y disputas

Atendemos todo el GTA,

Llame ahora mismo!

(289) 838 6317

Are you an entrepreneur,consultant, subcontractor or

Small Business owner?

You can count on our professional services:

ü Accounng and Tax advisory for small business

ü Business incorporaonü Preparing and filing Tax Returns

(sole-proprietorship, Corporaon, HST/GST, Payroll Remiances and more..)

ü Representaon before Canada Revenue Agency, appeals and disputes

We serve all GTA

Call us now!

(289) 838 6317

[email protected]

1-(289) 838 6317

Henry Lopez BBA, CPMHenry Lopez BBA, CPM


Ingeniero Industrial & Postgrado en Finanzas

Gerente Nacional de Ventas de Unilever Venezuela

Progresiva carrera en Unilever

Certificación en Ventas Sheridan College

Co-fundador Javeriana University Professional Alumni Association

Director y Vicepresidente de la Canadian Colombian Professional Association”CCPA”

Presidente Javeriana University Professional Alumni Association

Obtiene su licencia como REALTOR® del Consejo de Real Estate de Ontario “RECO”

Obtiene su licencia como Real Estate Broker del Consejo de Real Estate de Ontario “RECO”

2003

2004

2006

1990-1997

1990-2002

2000-2002

2004-2008

2007-2011

2010

2010 - 2014

2013

2014

Director Programa Mentoring for Success de la CCPA

Crea los subprogramas ‘One Step Mentoring’, ‘Group Mentoring’ y ‘One 2 One Mentoring’

Crea “Personal Selling Workshop – PSW” orientado a enseñar como venderse y hacer networking

Co-fundador, Editor y Director General de “BEST Magazine”, Una revista de Negocios escrita por emprendedores

Funda ConnekTA, un programa orientado a crear focos de pensamiento entre profesionales por campos de experiencia/experticia

Lanza el Programa Social “Drawing Alegría”

Promueve que Presidentes de otras asociaciones profesionales Colombianos tengan asiento en la Junta Directiva de la CCPA

Colaborador de “Networking Beyond Boundaries” actividad que integra asociaciones profesionales latinas y grupos profesionales en empresas (KPMG, P&G, IBM, Bancos etc.)

Han sido 10 años con varios logros

donde ha apoyado a muchas familias

en su nueva vida en Canadá con la

compra de casa, en la construcción

de un sólido patrimonio basado en

una estrategia de bienes raíces, y

en el apoyo al talento humano latino

en su activación laboral dentro de

sus campos de experiencia.

Francisco Garzon

Celebrar estos 10 años no deja de

ser una fecha significativa cargada

de alto valor emocional al ver

el buen balance del camino ya

recorrido rodeado de momentos

inolvidables con clientes y amigos.

10 anos creando momentosinolv idables en la comunidad

y sus fami l ias

-

-

profesionales talentosos en campos de similar experticia y experiencia con el objetivo de acercarlos a través de reuniones focales y eventos especializados dirigidos a desarrollar todo su potencial en el país. Así se genera un valor importante para el desarrollo de la comunidad latina profesional con un amplio potencial para crear empresa.

La unión hace la fuerza. Basado en ese básico principio y la fortaleza que un referido tienen en el mundo de los negocios, Francisco Garzón fundó y dirige una red de emprendedores conocida en inglés como ‘business referral network’ la cual bautizó como ‘BEST’ (Business Entrepreneurs Services Team). BEST es un grupo de emprendedores en diferentes disciplinas que buscan crecimiento basado en apoyarsen los

Pero aún hay muchas más cosas por hacer. Desde finales del 2013 se viene estructurando un nuevo y retador proyecto en el horizonte de Francisco Garzón: Drawing Alegría. Una causa humanitaria que busca dibujar sonrisas en los rostros de muchos niños de recursos muy limitados con labio leporino y paladar hendido.

Trabajando en equipo con su hermano y Cirujano Maxilofacial Dr. Darío Garzón y un gran equipo de cirujanos y médicos, voluntarios e instituciones en Canadá y Colombia, se desarrollará una primera Jornada de Cirugía a estos niños para darles una linda oportunidad de vida,salud y felicidad.

Conocido en la comunidad profesional latina en Canadá por su dedicada labor de apoyo en temas de activación laboral y empresarial, Francisco Garzón viene desarrollando esta nueva e interesante iniciativa. Connekta busca integrar

• Diamond Award Winner 2007 al 2013

• Primer Agente 110 REALTORS® desde el 2009

• Award of Excellence desde el 2009

• Director Platinum 2008

• President Gold 2005 y 2006

Premios y Reconocimientos

Drawing Alegría, un nuevo reto cargado de mucha labor social

ConnekTA, apasionado con el desarrollo profesional

BEST, innovando en un mundo emprendedor

BU

SIN

E S S - E NTREPRE

NE

UR

S

- SE

R

VI C E s - T E A M

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Drawing Alegría buscará donaciones a través del apoyo de muchos voluntarios y especialmente de la orientación de todas las actividades que Francisco Garzón TEAM desarrolla anualmente, como el Torneo de Golf y de su programa de networking ConnekTA.

Han sido 10 años con muchos testigos de esos momentos inolvidables que han ayudado a construir futuro a amigos, clientes y referidos.

Muchos han podido ver la mano y gestión de apoyo de Francisco Garzón haciendo más fácil el arranque de sus vidas en Canadá.

unos a los otros refiriendo prospectos de sus grupos de referencia y clientes actuales.

El proyecto más lindo y retador de BEST ha sido el reciente lanzamiento de su revista de negocios BEST Magazine, la cual está orientada a volverse en una guía permanente de consulta en muchos temas de interés general.

V5_FG_advertorial_FG_17_5x11_25.indd All Pages 2014-04-27 1:18 PM



FIXED-RATE VS. VARIABLE-RATE: Which One is The Right for You?

By Katherine Lozano

FIXED RATE VARIABLE RATE

• Offers a specific interest rate that is fixed or “locked-in” for the term of the mortgage.

• You will know what to expect in terms of interest rate, regular payments, what portion of your payment goes to interest and how much to principal. As well, the length of the amortization period.

BEST FOR YOU IF :

• You prefer consistent payments• Your goal is to pay the mortgage over a longer term• You enjoy the predictability offered by a fixed rate• You expect interest rates to increase, and prefer to lock in

a lower interest rate• If the difference between the variable rate and the fixed

rate is not substantial, so it is worth paying the premium for the stability

• You plan on keeping the mortgage for the full term (the penalty associated to breaking the contract is the higher of 3-months interest or the IRD)

• You qualify only using the current fixed rate (for a 5 years term)

• Variable rate mortgages typically offer a lower interest rate than fixed rate mortgages

• It is typically stated as prime plus/minus a percentage discount/premium. Prime-0.55% for example.

• The Bank of Canada adjusts the prime rate depending on the state of the economy

• Your payment amount stays fixed for the term as long as the amount is sufficient to cover the interest cost. If prime rate goes down, more of your payment will go towards paying off principal; if prime rate goes up, more of your payment will go towards interest costs.

BEST FOR YOU IF :

• You want to keep the mortgage for only a short period of time (lower penalties when breaking the contract, it is always 3-months interest)

• You want to take advantage of the variable lower rate by making payments as if you had the fixed rate

• If you expect interest rates to fall with some certainty• If you can qualify using Mortgage Qualifying Rate (MQR)

which is higher than the fixed rate. 4.99% on April 2014

What are we as Canadians doing?According to Canadian Association of Accredited Mortgage Professionals (CAAMP) Nov 2013 Consumer Report: “the share for fixed rate mortgages is similar for first-time buyers and for repeat buyers. However, for borrowers with less than 20% down-payments, 86% were fixed rate mortgages”, cases where qualification and budget stability are most likely critical. The final decision is yours. Evaluating your options will help you to get the most suitable mortgage to meet your needs and help you get closer to your financial goals.

Mortgage type PercentageFixed-rate 66%

Variable-rate 26%

Combination 8%

Source: CAAMP Nov 2013 Consumer Report

When you apply for a mortgage, you have to select between fixed-rate and variable-rate terms. Depending on your current financial situation, credit score, qualification and your comfort level

with fluctuating rates, both types of interest rates can be beneficial. To make an informed decision, you should learn more about these two options.



THE SPRING EFFECT

Developed countries are

located in zones where

climatic conditions are

more extreme

and dramatic.

According to

UN (United Nations) indices,

these countries enjoy the

best life, health, security and

are highly and effectively

productive. Low levels of

corruption, high salaries,

low inflation levels, and

a high dose of respect for

people’s values are typical too.

Norway, Finland, England, United States,

Australia, Germany, The Netherlands,

Canada, Japan, the Koreas, and Russia

among others are located in regions

influenced by extreme seasons with generally

long cold periods.

It is evident that as time went by, these

countries learned the meaning planning and

preparation had for their survival. Evidently in these

countries, seasons generate a unique dynamism.

Canada and the metropolitan area of Toronto have

just been through one of the coldest winters with

one of the highest amounts of precipitation of the

last 15 years. For many of us, this was the first time

we face a true winter. Even with the extreme cold

and after enduring one of the worse ice storms on

record, life kept going and the city kept rolling while

people normally faced the cold just for a few minutes or while

waiting for the train or bus. Due to the ice storm, some had

to leave their homes to face in some way what “First Nations”

people have faced all their life. Many 100 year old trees

that could not

bear the weight

of a more than

ever colder

and heavier

ice fell and left

many people

without a roof.

Those who

have lived

in Quebec

make fun of

the Torontonians

because they say

we do not know what

true cold really is. That

is because when we

faced a minor 10

to 15 centimeter

snowfall classes are cancelled

while in Montreal it takes at least

one meter of snow to cancel

school or buses.

Countries in Latin America

are generally located in

regions blessed by great

climate but these countries

are not as prosperous, as

mangoes just fall from trees

BY FRANCISCO GARZON


and you do not even need to make a plan

to grow them. Because nobody really

suffers from dealing with the cold, because

the land provides fruits and vegetables

without any major effort and even harvests

go bad because there is not even a way

to pick them up, people are raised in a

culture where there is no planning and

some degree of slothfulness. Revitalization

and re-energizing time comes during New

Years’ celebrations but is used more as a

time to party than as an effort to change

the way things are.

Here is where the Spring Effect is visible and understandable.

After winter, everything tends to be

renovated. Even the spirit invites to enjoy

the good weather but at the same time

reminds you to start preparing for the next

winter.

With the coming of spring, promises and

changes are made in businesses and

industries are energized by the push from

consumers. People change vehicles,

homes, clothing, and furniture. Sidewalks

start to fill up with old mattresses, old

furniture, and old books. “Garage sales”

pop up everywhere where some sell at

incredible prices what they do not like or

need anymore and others buy stuff they

may not even know why they buy it but

they buy because it is cheap.

The Spring effect comes with growing or

harvesting to try to make the most use of

the good weather spring brings which will

be followed by the awaited summer. Golf

courses open their doors for short but very

busy seasons and golfers long for this time.

Gardening supply stores and landscaping

people enjoy their best time with multiple

contracts. Windows

get cleaned, grass is

aerated, windows,

doors and fences

get painted, decks

are built, patios and

pools get set for a

short season of use;

tents and camping

equipment are sold,

some go fishing,

cottages are open

for vacation time,

motorcycles, boats and

yachts are sold….the

economy gets moving,

jobs are created, there

is dynamism.

The spring effect is magical and generates a spirit of change and improvement that energizes industries, service companies, grocery and specialized stores, everything!

Additionally in 2014 we will live the

fever for the Brazil World Cup of soccer

where many businesses invest highly in

promotional items, travel agencies make

great profits, advertising agencies develop

their strategies, TV sales go through the

roof, and cable companies sell their special

World Cup bundles.

Although it may seem as if this

generates a consumerist effect, it certainly

generates jobs, stimulates industries and

commerce, the economy creates synergies

and we all progress.

Everything seems to suggest 2014

will be a good year for the economy.

Welcome the spring effect, welcome to

growth and enjoy the World Cup.


EL EFECTO PRIMAVERAorqué los países desarrollados son cada

vez más desarrollados? Seguramente hay muchas explicaciones filosóficas, económicas y científicas, pero una respuesta lógica estaría asociada a las

zonas geográficas donde las condiciones climáticas son más dramáticas y extremas.

De acuerdo a los indicadores de la ONU, estos países gozan de las mejores condiciones de vida, salud,

seguridad y son alta y eficientemente productivos. Poseen muy bajos niveles de corrupción, alto nivel de salarios, bajos niveles de inflación, alta dosis de respecto por la gente, la ley y la autoridad. Tiene leyes que cumplen y desde muy pequeños los niños son respetuosos por el otro y la educación está basada en hacer énfasis en valores. Pero también gozan de climas muy extremos, muy muy fríos con inviernos muy largos.

Es evidente que con el pasar de los años estos países aprendieron el significado de la planeación y preparación para sobrevivir. Es indudable que las estaciones generan un dinamismo único para estos países. Es muy innegable que han aprendido invierno tras invierno lo que es preparación y planeación, así como innovación e ingeniería. Estudian el clima, estudian la tierra, generan innovación y se enfocan, una manera

concreta de decir son altamente especializados.

Canadá y la zona metropolitana de Toronto acaban de pasar por uno de los inviernos más fríos y con mayor precipitación de nieve de los últimos 15 años. Para muchos de nosotros, llamados nuevos inmigrantes, es la primera vez que enfrentamos un invierno de verdad. Y con todo el frio que hizo y con una de las peores tormentas de hielo que han caído, la vida siguió, la ciudad siguió y la gente solo aguanto frio por tiempo corto, cuando salía al carro o cuando esperaba el tren o el bus. Algunos tuvieron problemas de energía en sus casas viviendo en cierta forma lo que los aborígenes “first nations” han vivido toda su vida, un invierno sin calefacción. Por unos días y por culpa de árboles centenarios que no aguantaron el peso de un hielo pesado y frio las ramas y arboles durmieron encima de

cables y generaron una crisis eléctrica sin precedentes, pero la población siempre encontró solución y abrigo.

Aquellos que han vivido en Quebec se ríen de los Torontotianos porque dicen que no saben lo que es frio de verdad, porque ante

una tormentica de 10 o 15 centímetros de nieve se cancelan clases y las ciudades declaran

alerta de frio con menos 20 grados Celsius; mientras que en Montreal para que cancelen colegio o buses, la cosa debe ser de un metro de nieve para arriba y temperaturas de menos 30 grados.

Los países de Latinoamérica generalmente ubicados en lo que realmente es una bendición de clima no son tan prósperos, pero sí muy ricos, una riqueza inexplotada y de frio nadie se muere, porque la tierra da frutos y verduras sin mayor esfuerzo y generalmente se pudren porque no hay como recoger las cosechas. Los mangos se caen de los árboles aburridos de esperar que los cosechen y no hay que

POR FRANCISCO GARZON


planear para sembrarlos, crecen solos acompañados de un brillante sol. Se crece en una cultura de la no planeación y de cierta desidia. La renovación y nuevas ganas vienen con la celebración del Año nuevo, pero más como un plan de rumba que una razón real de buscar que las cosas cambien, mejoren. Un clima estable lleva a no tener la presión de mejorar para el próximo invierno.

El efecto primavera se hace visible y se hace entendible. Al pasar el invierno, todo tiende a renovarse. Incluso el espíritu invita a gozar el buen clima pero al mismo tiempo a prepararse para el siguiente invierno. Todos entienden la primavera y el verano como la época que hay que maximizar en trabajar, mantener, producir y gozar.

En los negocios y empresas hacen planes y hacen cambios, las industrias se dinamizan con el consumo que genera la llegada de la primavera. La gente cambia de carro, de casa, de ropa, de muebles. Los andenes y aceras de las casas se llenan de colchones viejos, de muebles viejos, de libros viejos. Proliferan por todos lados los “garage sale” donde unos venden a precios increíbles de un ‘loonie’ lo que ya no les gusta o necesitan y otros compran aquello que no saben para que lo compran pero está barato o porque simplemente son profesionales bien calificados buscando ubicarse en sus campos y por ahora hay que tener “economía de guerra”.

El efecto primavera está acompañado de cosechar o sembrar para aprovechar al máximo el buen clima que trae la primavera y posterior y ansiado verano. Los campos de Golf abren sus puertas para temporadas muy cortas pero muy ocupadas por golfistas que las han esperado con gran anhelo. Las tiendas de plantas y los expertos en jardines hacen

su temporada con múltiples contratos. Se limpian vidrios, se airea la grama, se pintan puertas y ventanas, se pinta la cerca, se construyen ‘decks’, patios y piscinas para una muy corta temporada de uso; se venden carpas y utensilios para ir de campamento, algunos van de pesca, abren las cabañas de vacaciones “cottage”, se venden motos, se venden y compran lanchas y yates… Se mueve la economía, se genera trabajo, hay dinamismo.

El efecto primavera es mágico y genera un espíritu de cambio y de progreso que dinamiza las industrias, las empresas de servicios, las tiendas de abarrotes, los almacenes especializados, los emprendedores, todo!

Y para complementar lo que hemos llamado en este artículo “el efecto primavera” tendrá un regalo en el 2014 viviendo la fiebre del Mundial de Futbol en Brasil donde muchas empresas harán una alta inversión en temas promocionales, tendremos agencias de viajes y portales de internet ofreciendo atractivos planes, agencias de publicidad y creativos desarrollando estrategias, empresas de tecnología vendiendo televisores y las hoy muy afamadas tabletas, medios de comunicación ofreciendo paquetes de canales de televisión, radio, etc., todos ofreciendo pauta publicitaria y empresas y emprendedores buscando un mercado multicultural de hinchas apasionados que vivirán la fiesta del futbol representados por muchos de su equipos en Brasil.

Si bien es cierto que a simple vista todo esto genera un efecto consumista, también es cierto que esto genera trabajo, mueve la industria y el comercio, la economía gana sinergia y todos progresamos. Es un círculo vicioso que algunos llaman economía de mercado, que estimula el gasto, pero que genera inversión, trabajo/empleo y muchas más oportunidades.

A pesar del fuerte y frio invierno que gobernó los primeros meses del 2014, el efecto primavera se sentirá una vez más y hace pensar que el 2014 será un buen año para la economía. Bienvenido el efecto primavera, bienvenido el crecimiento y a disfrutar el verano y el mundial.


When spring rolls around, it’s time to think about some important maintenance around your home. In fact, first things first, if you have any issues that popped

up during winter, you should take the time to fix them now. It’s easiest if you start a to-do list in order of priority so you can get these maintenance issues knocked out fairly quickly.

Standing Water. The weather can wear away at your landscaping so while you’re inspecting your outdoor areas, keep an eye out for low spots in your yard. Fill those holes with packed dirt and grass

seed to prevent flooding issues and excess mud.

Check Exposed Wood. If your home has exposed wood around doors and

windows, decking, or even on an outdoor building, it’s important to

check it for rot or termites. Simply take a screwdriver and poke around the exposed wooden areas to look for damaged wood and deterioration. Catching wood rot early can mean the difference between replacing one board or a whole deck.

Check for Leaks. While you’re

working outdoors in early spring,

check your gutter system for leaks

and make repairs. Winter can weigh

heavy on your gutters and downspouts

and with the rain heading your way, you’ll

want them working properly. You should also make

sure the water correctly drains away from your home’s foundation.

Check the AC Unit. If your home has air conditioning units, whole home or window units, now is the time to inspect and

test them. You don’t want to wait until the heat of summer to find problems with your air conditioning system.

Cuando la primavera se encuentra a la vuelta de la esquina, es el momento de pensar en un mantenimiento importante alrededor de su casa. De hecho, lo primero

es lo primero, si usted tiene cualquier problema que surgió durante el invierno, usted debe tomar el tiempo necesario para arreglarlo en este momento. Es más fácil empezar una lista de tareas en orden de prioridades para que pueda obtener estos problemas de mantenimiento eliminados con bastante rapidez.

Agua estancada. El clima puede desgastar su jardín por lo que mientras usted está inspeccionando sus áreas al aire libre, tenga en consideración los puntos bajos de su patio. Llene los huecos con tierra apisonada y semillas de césped para evitar problemas de inundación y el exceso de lodo.

Chequee la madera expuesta. Si la madera de puertas y ventanas en el exterior de su casa han estado expuestas, es importante comprobar que no se encuentren podridas o con termitas. Simplemente tome un destornillador y saque alrededor de las áreas de madera expuestas para así buscar madera dañada y deteriorada.

Comprobar si hay fugas. Mientras que usted está trabajando al aire libre a principios de primavera, revise su sistema de canales de lluvia en busca de fugas y así poder repararlas. El invierno puede pesar mucho en las canales y bajantes y con la lluvia en camino, usted quiere que las mismas funcionen correctamente. También debe asegurarse de que el agua drene correctamente lejos de los cimientos de su casa.

Compruebe la Unidad de AC. Si su casa tiene aire acondicionado

, en toda la casa o solo unidades de ventana , ahora es el momento

de revisar y probarlos. Usted no quiere esperar hasta que el calor

del verano para encontrar problemas en su sistema de aire

acondicionado.

SPRING HOME MAINTANANCE.


MANTENIMIENTO

DE PRIMAVERA.By /Por Jorge Davila Jones


Before you go What to Take

Safety begins with what you pack. To avoid being a target, dress conservatively. Don’t wear expensive-looking jewelry. A flashy wardrobe or looking too casual can mark you as a tourist. As much as possible, avoid the appearance of affluence.

Always try to travel light. You can move more quickly and will be more likely to have a free hand if you travel light. You will also be less tired and less likely to set your luggage down, leaving it unattended. Carry the minimum amount of valuables necessary for your trip and plan a place or places to conceal them. Your passport, cash and credit cards are most secure when locked in a hotel safe. When you have to carry them on your person, you may wish to conceal them in several places rather than

putting them all in one wallet or pouch.

Avoid handbags, fanny packs and outside pockets that are easy targets for

thieves. Inside pockets and a sturdy shoulder

bag with the strap worn across your

chest are somewhat safer. One of the safest places to carry valuables is in a pouch or money belt worn under your clothing. If you wear glasses, pack an extra pair. Bring them and any medicines you need in your carry-on luggage.

NOTE: To avoid problems when passing through customs, keep medicines in their original, labeled containers. Bring copies of your prescriptions and the generic names for the drugs. If a medication is unusual or contains narcotics, carry a letter from your doctor attesting to your need to take the drug. If you have any doubt about the legality of carrying a certain drug into a country, consult the embassy or consulate of that country first.

Bring travelers checks and one or two major credit cards instead of cash.

Pack an extra set of passport photos along with a photocopy of your passport information page to make replacement of your passport easier in the event it is lost or stolen.

Put your name, address a nd telephone numbers inside and outside of each piece of luggage. Use covered luggage tags to avoid casual observation of your identity or nationality. If possible, lock your luggage.

Consider getting a telephone calling card. It is a convenient way of keeping in touch. If you have one, verify that you can use it from your overseas location(s). Access numbers to U.S. operators are published in many international newspapers. Find out your access number before you go.

A Few Things to Take & Leave Behind

• Make two photocopies of your passport identification page, airline tickets, driver’s license and the credit cards that you plan to bring with you. Leave one photocopy of this data with family or friends at home; pack the other in

a place separate from where you carry your valuables.

• Leave a copy of the serial numbers of your travelers’ checks with a friend or relative at home. Carry your copy with you in a separate

place and, as you cash the checks, cross them off the list.

Travel Safety Tips For Travelers

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02

03

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0804

WORLD & PEOPLE MUNDO Y GENTE


What is an infomercial?

An infomercial is a short or regular-length video that combines information presentation with an integrated suggestion to buy a particular product or service.

Videos are useful for explaining complex how-tos or concepts. Showing step by step directions can have a greater impact than even the most well written article. Businesses don’t have to invest huge sums of money to create good videos, either. I highly recommend to contact a professional video provider in order to get the best results, but at the same time, you can make them with your home’s cam-recorder and use a free software to edit them and share them in the social network.

There are 25 billion videos watched each month in the US alone. That’s billion, with a “B.” So it should be no surprise that web video offers an important opportunity for small businesses to connect with a wider audience. For small business owners, online video represents a chance to reach thousands or potentially millions of people using a relatively simple and inexpensive format.

Here some tips in How to do an Infomercial:

Decide what the infomercial will promote. You need to plan whether your infomercial will promote a service your small business provides, a single product it sells, or a group of products and services you offer.

Develop a budget. An online infomercial will cost less than a televised spot. Determine how much your small business can spend on this.

Write a script. Come up with creative words, videos, pictures, testimonials, and footage of your service or product working.

Start by describing the product or service your small business provides. Discuss its benefits and how it can help the people watching your infomercial.

Include testimonials. Ask people or companies who have worked with your small business to talk about their positive experiences. Avoid using actors. Real people who have used your products and services are essential.

Shoot the Infomercial. Either you or your video company provider, shoot the video - Edit it and test it with some friends and family.

Finally, use social networking to promote your infomercial. You can post the link on your small business website, and share it on Facebook, Twitter, and other social media platforms.

How I know if the infomercial is worthy?

It’s actually fairly simple. Ask the customer.

If you want to find out how a consumer feels about a product, go ask them. However, like many aspects of entrepreneurship, you may never really know what you’re going to get until you just do it.

So try it NOW!

1.

2.

3.

4.

5.

INFOMERCIAL: SHOULD I USE IT!T he term “A picture is worth a thousand

words” has never been truer. Consumers are now using the web to look for product

pictures and videos; they want more information and want to see what they’re considering buying. The good news is that it’s easy for a company to create and publish videos and pictures. I am going to concentrate only in the videos, more specifically infomercials.


BY MAURICIO JIMENEZ



BY JUAN DAVID HURTADO. Creative Director. C.C.

TRANSLATING IS NOT A COPY-AND-PASTE GAME OF WORDS

Translations need to evolve into creation

T he Government of

Canada has identified

Latin America as a

priority market based

on extensive consultation with

government agencies, academics

and Canadian businesses. Important

companies and investments are

flowing into the region, expanding

their markets and establishing

themselves in different countries.

Not to mention that the election

of Toronto as the host of the

Pan-American Games in 2015

has expanded the range of

opportunities and exposure of the

Spanish language to the world.

As a bilingual country, Canada has

always had a significant amount

of translation companies offering

their services, mainly for official and

commercial documents between

English and French. However

the increment of different ethnic

populations within the GTA has

helped those translation companies

to expand their services into

different languages and start offering

their services for local and national

clients. However these translation

companies often forget an essential

element: the cultural touch.

Finding the right words can mean the difference between success and failure

Translating from English to

Spanish is no longer a process of

copy-and-paste to translate words.

Translating from English to Spanish

has evolved into a deep process

to protect the intention of the

message and adapt powerful ideas,

while maintaining all the flavour

of the language to communicate

creative ideas and concepts.

Unfortunately the problem is that

the translation of English material

to Spanish has often been done

haphazardly and superficially which

has nonsensical translations that

leave people in the dark.

The world is becoming more

competitive by the second and many

Americans and Canadian companies

can no longer pretend that they are

going to get away with messages that

have been superficially translated

through magical “websites” to make

people buy their products or services. They

have to do things right from the beginning.

This is more than a lack of professionalism;

this is a lack of respect for Hispanic language,

history and culture.

Translations need to evolve into creation. If

they want to sell us their products and services,

they will have to talk to us in our own language,

using our own words. Developing professional

creative copywriting directly in Spanish will

make a big difference for a respectful business

audience. A literal translation without the

subtleties of the language, the expressions

and a clear interpretation of the message that

the companies are trying to achieve, will drive

away potential clients and will not attract new

ones.


SPRING STAGING TIPSBY /POR SANDRA KUBO

Finally spring is here….and so is the busiest time of the Real Estate season. Would you like to obtain a better ROI when selling your home?

Follow these staging tips:

Get your yard ready by cleaning the winter debris, replacing the old winter mulch as needed and adding some nice frost-resistant plants to make it more attractive and enhance your curb appeal.

Open the windows to bring the fresh air and spring fragrant indoors. It helps to get rid of moisture, odours and infuse a natural fresh scent in your home.

Use spring colours and Décor around the house to increase the warmth in the spaces. Help brighten your home by leaving the window covers opened, allowing the natural light inside.

Spring cleaning, de-cluttering and packing the bulky winter wardrobe and comforters, will increase the feeling of space and storage capacity which is very important for growing families.

1.

2.

3.

4.

Buyers are more knowledgeable today; they are expecting a lot more than few years ago. Homeowners need to impress potential buyers right from the start, and the best way to achieve this goal is to hire a professional stager.

Many Real Estate Agents already include Staging as part of their services, as they believe it makes a huge edge over the competition. Also, they have researched and seen statistics (see below, survey by Joy Valentine – Coldwell Banker Broker) that shows it is an investment which brings higher ROI.

• Homes that were staged sold in 13.8 days versus non-staged in 30.9 days

• Staged homes realized on average a 6.4% increase over the list price



Por fin llego la primavera……y así mismo comienza la temporada más activa en el mercado de bienes raíces. Quisiera usted

obtener un mejor retorno a la inversión cuando venda su casa?

Siga los siguientes “Staging tips”:

Empiece limpiando el jardín, quitando los desperdicios que han quedado por el invierno, reemplazando el viejo mantillo donde sea necesario y colocando plantas que sean resistentes a las heladas, para que el exterior de su casa se vea más atractivo.

Abra las ventanas para que entre aire fresco y el aroma de la primavera al interior de su casa. Esto ayuda a deshacer la humedad, los olores e infundir un aroma natural dentro de ella.

Utilice los colores de primavera en la decoración de su casa para incrementar la calidez en su hogar. Abra las cortinas y persianas para que entre luz natural y ayude a iluminar todos los espacios.

Comience la limpieza de primavera: revisando que cosas ya no necesita para desechar o regalar, y empaque el vestuario de invierno y los edredones gruesos; esto ayudará a incrementar la sensación de que la casa tiene buena

capacidad de almacenamiento, la cual es muy importante para las familias en crecimiento.

1.

2.

“STAGING TIPS” DE LA PRIMAVERA

3.

4.

En la actualidad los compradores de propiedades conocen más sobre el

mercado de propiedad raíz, y por consiguiente exigen más cuando están realizando la compra de su casa. Es por esa razón que los propietarios necesitan desde un comienzo, tratar de impactar a los compradores potenciales; y la

mejor manera de lograrlo es contratando a un “Stager” certificado, que sabe cómo

preparar y arreglar su casa para la venta de manera profesional.

Real Estate Staging & Redesign ConsultantCell (289) 300 - 0768

[email protected]

Muchos agentes de propiedad raíz ya incluyen el “Staging” como parte de sus servicios, porque creen que realmente genera una gran diferencia sobre la competencia. A parte, han visto los resultados de muchos estudios y estadísticas de mercado (como se puede ver a continuación, los resultados de la encuesta realizada por Joy Valentine – Coldwell Banker Broker) que demuestran que genera un mayor retorno a la inversión.

• Las casas que fueron “Staged” se vendieron aproximadamente en 13.8 días versus las “non-staged” en 30.9 días.

• Las casas que fueron “Staged”, obtuvieron un 6.4% de incremento sobre el precio listado.


BY DANIEL VALDIVIESO

HOW DO YOU TELL PEOPLE TO BUY YOUR PRODUCT?

Oftentimes, a simple question as this yields a

lot of different answers. To start, you just have

to tell people one by one you are selling your

product, word of mouth, cold calling, knock on

your customer’s doors or announce on, tv or radio that you

are selling your product. This is verbal communication. But in

this age of multimedia and mass communication, a picture is

indeed worth a thousand words. This is visual communication.

The use of a poster, web sites, branding, creating a business

card, a magazine, flyers are few examples using a form of visual

communication called graphic design.

Recent research supports visual communication more powerful

than verbal communication, suggesting that in most cases,

people learn and retain information that is presented visually.

These complements efforts of anyone whose work involves

using visual presentations to persuade, explain or sell products,

ideas or services. Presenters now have more resources through

graphic design in creating a high impact visual medium.

Graphic design allows users to transform and present non visual

content into a visual form that is more engaging.

Look around, from candy wrappers, cereal boxes, t-shirt, signs,

news paper, web sites, mobile site and billboards, graphic

design informs, persuades, organizes, gets your attention,

stimulates, locates, identifies and provides pleasure in your daily

life. Graphic design is a creative process that combines art and

technology to communicate ideas. The designer works with a

variety of tools in order to convey a message from the client to

a target audience. The main tools are image and typography.

In the previous article, we mentioned how important logo

is. Symbols are abstract representation of a particular idea

or identity. The “Apple” from Apple for example are symbolic

forms, which we learn to recognize as representing a particular

concept or company. Logotypes are corporate identifications

based on a special typographical word treatment. Symbols

and logos are special, highly condensed information forms

or identifiers. Some identifiers are hybrid, or combinations of

symbol and logotype. These identifiers are communicated to

the graphic designer to have a clear vision of the corporation

or idea to be represented and of the audience to which the

message is directed.

Images are powerful and compelling tools of communication that not only conveys information

100

80

60

40

20

10

0

Oral and Visual Information: Percentage Retained

Verbal+VisualInformation RetainedStudies show that people remember 10% of what they hear20% of what they read80% of what they see and do

ORAL VISUAL VISUAL + ORAL

Source: Jerome Bruner, as cited by Paul

Martin Lester in “Syntactic Theory of Visual

Communication”

WORLD & PEOPLE


but also moods, emotions and personalities. Designers develop images to represent products, services

and ideas that their clients wants to communicate. In some

instances, words are used to convey a message, but how

graphic designers use words are different from how writers use

it. To designers, what the words look like is as important as their

meaning. Whether it is typography (communication designed

by means of the printed word) or handmade lettering, these

visual forms perform many communication functions. It can

make you stop and look or identify a package name on a truck.

Designers are experts at presenting information in a visual form

in print, web, packaging, signs.

Finally Designers are the link between the client and the audience.

The designer explores creative possibilities presented by words

(typography) and images (photography, fine art, illustration) to

create not only appropriate letterforms and images, but create

balance between the two to appropriately communicate a

client’s message to the audience. and establishes the best

balance between them.

Graphic designers learn how to construct a message and how to

present it successfully. They work with the client to understand the

target audience, content and the purpose of the message. And

usually collaborate with specialists or researches to understand

the nature of the audience. Once a design concept is chosen,

the designers work with illustrators and photographers as well as

with typesetters and printers or other production specialists to

create the final design product.

s o l u t i o n s i n cGraphic Design - Web Design - Printing

(416) 930 4360

we understand the value of high impact communications to your clients. Let us show you how youcan make your ideas happen. Call Us!


Spring like sunshine, arrives at last. As April days now warm the earth, winter is a memory past and once again the world is alive.

PRUNING SHRUBS AND GROWING VEGETABLESIn April as early daffodils fade, remove the flower

heads, but leave their leaves intact. Prune winter

flowering shrubs now, and spring flowering type as

soon as their flowers fade. Winter flowering shrubs require

little pruning, spring flowering shrubs, however, need

more extensive pruning. Keep herbaceous borders free from weeds,

taking care not to damage young shoots that may be developing from

established plants.

For vegetables production start indoors seedling in seed boxes, maintain

required temperature, light and humidity conditions. Sow cabbages and

parsley, peas, tomatoes, melons and cucumbers to be transplanted later on to

their growing positions, Always sow seeds thinly, congested seedlings become weak

and spindly, and encourage the presence of diseases.

PLANTING TIME

In May Lilac and Cherry bloom. It is time to remove spring flowering bedding

plants as their flowers fade. Discard plants as forget-me and wall flowers, and

carefully fork bulbs, placing them in shallow trenches in, out of the way places

in the garden.

SPRING CALENDAR

BY ORIANA BRUSCO , B.S. AGRONOMY

GARDENING TIPS

HEALTH


GETTING READY FOR SUMMERPlant summer flowering bedding plants that have

be thoroughly hardened off. Water and mulch

lilies. Ensure the soil is moist and free from weeds

before forming mulch 2 to 3 inches thick. Then

remove runners from strawberry plants to direct

their energies into fruit production. Sow beet

seeds and thin summer lettuces to 9-12 inches

apart. Carefully earth-up potato shoots, but do not

cover their tips. Harvest asparagus stalks when 6

inches high and divide chives.

In June, garden scents are strong and sweet. The

rose blooms red, pink and white bright; glowing

in the evening heat. Tie up

shoots of delphiniums to

prevent them being damage. Also,

check out other border plants to

ensure they will not be damaged by

wind and rain. Removing dead leaves

and flowers helps to reduce the risk

of attack from slugs and snails. Divide

congested flag irises as soon as their

flowers fade.

Harvest radishes and scallions,

transplant Brussels sprouts into their

growing positions, and lift early

potatoes. Also sow some more lettuce

is an option. Summer is around the

corner!


MANOS PARA SU SALUDPOR EDWIN GALEANO

Over the past ten years, Hands for Health has been dedicated to help people to relieve their pain, to rehabilitate injuries and to reduce the levels of physical and

emotional stress.

Our treatment goal is to improve the relationship between the structure and function of the body in order to restore balance, promote natural healing and enhance quality of life.

The mission at the clinic is to provide benefits to our patients physically, emotionally and mentally providing a pleasant atmosphere, where effective communication, compassion and respect are highly valued for each individual’s healing process.

My name is Edwin Galeano, founder and director of the clinic Hands for Health; I am a certified acupuncturist, registered massage therapist, and CranioSacral therapist. My focus is to help patients recover quickly and efficiently through the use of a unique and specific combination of modalities of treatment such as kinesiology, hydrotherapy, light therapy (infra-red and laser), electrotherapy, interferential current, TENS, ultrasound, neuro-stimulation and more. Through the years of experience as therapist, I have focused my treatment in conditions like neck and back pain, sciatic, headaches, sleeping difficulties, motor vehicle accidents and sport injuries.

A lot of the work has been done in the emotional area. CranioSacral therapy and SomatoEmotional release, stimulate rest, relaxation, repair and restoration of the body that awakens the natural healing mechanisms. Relaxation of the central nervous system is achieved by calming the rhythm caused from the movement of the cerebral spinal fluid- meaning the core of the body. These deep levels of relaxation open a window of opportunity to explore emotions, which in many cases are the source of the so called psychosomatic symptoms, achieved through inner self connection and exploration.

Edwin Galeano RMT, DAc

El Masaje TerapéuticoDesde la más remota antigüedad el hombre ha apelado, como una reacción

instintiva, a la presión y masaje del cuerpo en zonas adoloridas por lesión,

irritación, cansancio o tensión.

De allí que el masaje terapéutico representa la evolución de esta práctica

ancestral, y es una poderosa vía natural para aliviar molestias corporales

por tensiones musculares y dolores a causa de enfermedades, accidentes o

desbalance emocional. También sirve para lograr de manera preventiva un

equilibrio adecuado y mejorar la salud.

La amplia variedad de procedimientos y técnicas desarrollados por el masaje

terapéutico permite estimular el organismo desde el punto de vista biológico,

metabólico y psicológico. Ayuda a aliviar lesiones musculares y problemas

de disfunción masticatoria y temporo-mandibular. Tambien actúa sobre el

sistema musculo-esquelético, además del tejido conjuntivo y la piel.

Los usos más frecuentes del masaje terapéutico incluyen el alivio de condiciones

como el estrés, depresión, insomnio, problemas circulatorios y; por supuesto,

dolores musculares, articulares y óseos, facilitando así la reparación de lesiones

agudas o crónicas.

El masaje terapéutico también actúa en el sistema muscular incrementando los

niveles de oxígeno y nutrientes en el organismo, ya que acelera la circulación

sanguínea y linfática. Además, favorece la resolución de procesos inflamatorios,

la eliminación de desechos metabólicos y evita la atrofia muscular. Una de

las ventajas adicionales del masaje terapéutico es que no sólo actúa sobre la

parte física del ser humano, sino que también tiene ciertas implicaciones a

nivel psicológico y emocional, ya que activa la liberación de sustancias como

la serotonina y la dopamina, las cuales producen una notable sensación de

mejoría y bienestar.

Por todo lo anterior, el masaje terapéutico es considerado un

recurso importante para la fisioterapia, la cual es ampliamente

usada en centros de salud en todo el mundo para contribuir

al mejoramiento de la salud y calidad de vida. Y en la Clínica de

terapia Hands For Health hemos ayudado a cientos de pacientes

durante la última década a lograr ese importante objetivo.

HEALTH


El Masaje Terapéutico


While most people associate allergies with runny noses, sinus congestion, hacking and

sneezing, very few of them realize that some sight discomfort is actually an eye allergy.

Many people who have ocular allergies experience itching as the primary symptom of discomfort. Others feel a burning sensation and “eye fatigue” that urge them to rub their eyes frequently. Some common symptoms include redness, lid swelling, tearing, light sensitivity. “grittiness” and swollen eyes.

When the immune system becomes activated due to the specific condition of the person, and overreacts to substances such as pollen or pet allergens, allergy may occur. So while many people enjoy spring and fall season, others live in dread of those times when the trees, grass and weeds begin to pollinate. People who are sensitive to these allergens experience seasonal allergic conjunctivitis.

The reason the eyes are very sensitive to these substances is that, like the skin, they are exposed surfaces unprotected that are especially vulnerable to allergens and other irritants. Therefore, the management of ocular allergies is aimed at preventing the contact with allergens, controlling the inflammation and preventing ocular surface damage secondary to the allergic response.

Visiting the Eye doctor is essential to

determine your specific eye condition and

establish the most effective treatment.

However, to minimize the symptoms, is

recommended:

• Avoid rubbing the eyes.• Use cold compresses on the eyelids or

preservative-free artificial tears drops.• Avoid wearing contact lenses while allergy is

present.• Use of filters in air conditioners and replace

them frequently.• Minimize carpeting that may retain dust mites.• Avoid sharing towels.• Use sunglasses.• Wash bed linens frequently.

Mientras que la mayoría de las personas asocian la alergia a la congestión

nasal, el escozor en la garganta, la rinitis y el estornudo; pocos notan que algunas molestias en la vista son producto de alergia en los ojos.

Muchas de los personas que tienen alergia ocular experimentan picazón en los ojos como principal síntoma. Otros, manifiestan una sensación de ardor y “fatiga ocular” que les incita a frotarse los ojos frecuentemente. Algunos síntomas comunes incluyen enrojecimiento del área ocular, hinchazón de parpados, inflamación de la superficie de los

ojos, lagrimeo, y sensibilidad a la luz.Cuando el sistema inmunológico es activado debido a la condición específica de la persona y reacciona a sustancias como el polen o los alergenos de mascotas, puede presentarse la alergia. Así que, mientras muchas personas disfrutan de la primavera y el otoño, otras viven con temor a la época en que los árboles, pasto y malezas comienzan a polinizar. Las personas que son sensibles a estos alergenos experimentan lo que conocemos como conjuntivitis alérgica estacional.

La razón por la cual los ojos son muy sensibles a estas sustancias es que son superficies expuestas sin protección al igual que la piel y por lo tanto son especialmente vulnerables a los alergenos y otros irritantes. Por eso, el tratamiento de las alergias oculares está dirigido a prevenir el contacto directo con los alergenos, controlar la inflamación y evitar el daño de la superficie ocular.

Visitar al especialista de ojos es esencial

para determinar su condición ocular

específica y establecer el tratamiento más

efectivo. Sin embargo, para minimizar la

sintomatología, es recomendable:

• Evitar frotarse los ojos.• Colocarse compresas de agua fría sobre los

párpados o lágrimas artificiales, preferible-mente libre de preservativos.

• Evitar el uso de lentes de contacto mientras esté presente la alergia.

• Utilizar filtros en aires acondicionados y cambiarlos frecuentemente.

• Minimizar el uso de alfombras, las cuales retienen ácaros del polvo.

• Evitar compartir toallas.• Usar lentes de sol.• Lavar la ropa de cama con frecuencia.

HEALTH

EYE ALLERGIES “BLOOMING”

EL “FLORECIMIENTO” DE LAS ALERGIAS OCULARES.

BY /POR DR. JULIO PEREZ


TECHNOLOGY

THE IMPORTANCE OF IMPLEMENTING PREVENTATIVE MEASURES TO PROTECT YOUR INFORMATION

BY JORGE BAQUERO

More than occasionally, we might ask ourselves how we can better protect our computers but most importantly, the data contained on that hard drive. Currently very few people take cautionary methods in the use of their

computers and in the protection of its parts. Only until one or more components suffer a failure and only then do we begin to take action. In most cases it’s not always in time to save our treasured information.

There are many steps that can be taken to protect our system against failures such as in the sudden loss of electricity due to power outage which can a major cause of data loss.At this time, I would like to mention some preventative measures to be taken in order to avoid damage to computer equipment and in the prevention of data loss. Measures to be taken for protection of a computer:

1.Avoid physical damage to the equipment:

The insides of the computer is composed of many separate electronic parts which work together and each component has a limited shelf life as originally created by the manufacturer. This shelf life is also affected by and may start a faster decline due to external factors such as electricity, vibration, moisture, dust, overheating and lack of user attention and not withstanding that of human error. All of these have a play in the over all performance of the computer and therefore it is difficult to determine precisely how the combined components will stand up in use and without any failures in the final count.

2. Electrical ground: All electric sockets are composed of 2 lines; negative and positive. Through these lines is how the electric current flows. Some outlets have a third line called earth; this third line which is designed to make it through the connected components can expel excess energy supplied from a voltage rise.If the computer is not connected to an outlet with a third land line, the excess energy may not be expelled and may bring added danger to the computer components. Therefore, the first

recommendation is to have an electrical ground at the power outlet. (This work should be performed by an electrician).

3. Voltage regulator and Surge Protection:

Lets first establish the difference between a surge protector and a voltage regulator:

• Voltage Regulator: A device designed to maintain an adequate level of voltage to the connected components, the voltage regulator must maintain a margin of 100V and 115V for 110VAC inputs to 210V and 230V and 220VAC inputs.• Surge: A device designed to remove only the strong voltage spikes that may exist in an outlet. It is vital to have at least the voltage regulator, especially if you live in an area prone to power failures, with components that work to protect with an excess of energy or decreased energy regulator.

4. Keep components at proper temperature levels:

It is recommended that you keep the computer components at the lowest possible temperature, as higher temperature levels can cause component failures or even decrease the life of components and /or damage them.

5.Perform computer maintenance a minimum of every six months or at least once a year:

It doesn’t make any sense to wait till the computer starts to show signs of slowing down, lack of performance or waiting to see problems from it’s being too dirty. There are various options for cleaning components from dust, corrosion and/or overheating. It would also be highly useful to check ahead of time on various parts such as fans, cables, capacitators and parts being used. Early detection on the declining performance on any of these items could help in the prevention of serious harm to any one or more parts or even to prevent the entire system from failure.

To Know more about it call us

(647) 830-6699.


Javeriana University Professional Alumni Association

Javerianos en Canada “JEC” 10 years

anniversary Mayo 11th 2004 at Orale Bar,

Yorkville-Toronto, the former Colombian

Consul, Mrs. Catalina Chaux and Francisco

Garzon put together around 70 Alumni’s

from Javeriana University. It was a solid first

step to constitute the Association which

today are conformed for more than 500

professionals in Canada graduated from the

University in pre and post degree academic

programs. JEC was formally registered as

Non- Profit organization in 2015.

La Guia Hispana 30th Anniversary

Congratulations to Daniel Morano in yours

30th anniversary leading the Guia Hispana

Directory, the largest Hispanic directory

in Greater Toronto Area. Well done and

important milestone to celebrate!

EVENTS /EVENTOS

Carassauga – Festival of Cultures

PABELLON LATINO del Festival de Culturas

de Mississauga “CARASSAUGA”. Un evento

en el que participan mas de 72 países al

rededor del mundo mostrando lo mejor de

su cultura a través del Arte, Folklor, Música y

Gastronomía

Fecha: 23 al 25 de Mayo, 2014

Costo: $12/persona

Lugar: Cawthra Community Centre - 1399

Cawthra Road, Mississauga

ConnekTA & Drawing Alegría, Coctel de Lanzamiento

ConnekTA con su slogan ‘Conectando

Talento con Oportunidades’ promoverá

foros de pensamiento y creación de

oportunidades y responsabilidad social

utilizando el networking. Apoyará

asociaciones profesionales existentes.

Buscara activamente reunir recursos para

apoyar Jornadas de Cirugía en niños con

problemas de labio y paladar hendido en

Latin América, comenzando en el 2014.

Estos dos programas son una Iniciativa de

Francisco Garzon y familia.

Fecha: 30 de Mayo, 2014

Costo: No tiene costo – Solo por Invitacion

Lugar: Mississauga

Información: [email protected]

Canadian Colombian Children’s Organization The CCCO 8th Annual Charity Golf Tournament 2014

Date: 6 de Junio, 2014 @ 11 am

Cost: $160 Green Fee (Incluye Green Fee,

Carro de Golf y Almuerzo)

Where: Carlisle Golf and Country Club

523 Carlisle Road, Carlisle ON

www.theccco.org o 416 621 6299

Mundial de Futbol Brasil 2014

Que el futbol nos una con una sola voz. Se

acerca el evento deportivo más importante

del mundo. Aquí las selecciones que estarán

representando Latinoamérica: Argentina,

Brasil, Chile, Colombia, Costa Rica, Ecuador,

Honduras, México y Uruguay.

Fecha: Junio 12 (Inauguración)

Julio 13 (Final)

Panamerican Foods Festival 2014

Panamerican Food Festival se complace

en anunciar el festival de este verano;

preparense y marquen sus calendarios para

el festival del sabor gastronimico, nuestro

Festival 2014 Panamerican Food Festival

Lugar: Daniels Spectrum

Fecha: Del 8 al 10 de Agosto del 2014

Dirección: 585 Dundas Street West, toronto

Más info: [email protected]

Francisco Garzon TEAM 4th Annual Golf Tournament 2014

Apoyando el programa Drawing Alegría

En el 2014 el torneo buscara reunir recursos

para apoyar Jornadas de Cirugía para niños

con malformaciones de labio leporino y

paladar hendido en Latinoamérica. No

necesitas ser un Golfista experto, anímate, la

idea es pasarla muy rico y apoyar. Habrá Golf,

Premios, Cena y Fiesta “Par-tee” al final.

Lugar: Indian Wells Golf Club – Walkers Line

Fecha: 11 July 2014

Hora: 11 am – 1 am

Costo: $160 Golf-Dinner-Party

$60 Dinner & Party

Dress Code:

Golf etiquette – Dinner – Formal

Boat Cruise Casa Cultural Colombiana - CCC

Por novena ves y aseguarndo un excelente

momento de entretenimiento y muestra

del folclor Colombiano, este año sarpa el

barco Northern Spirit – El barco más grande

de la marina del Harbortfront – haciendo el

tradicional recorrido en la bahia del Lago

Ontario. Habra musica en vivo y atracciones

folcroricas Colombianas.

Lugar: Harbourfront Centre

Fecha: 20 de Julio 2014

Dirección: Queen’s Quay and York Street

www.casaculturalcolombiana.com

COMMUNITY


UN Lugar

para crecerSu Negocio

[email protected] | www.thebestgroup.ca

BU

SIN

ES S

- EN T R EPRENE

UR

S - SE R V I C E s - T E A

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