dreams & money october issue 2

25 OCTOBER 2011

www.dreamsandmoney.com

FORTNIGHTLYPAGES Dream Issue10 1 11

Higher Standards Agents... Higher Results!™

Perrii Muthuraman MBA; M.Com

HomeLife/GTA Realty Inc., Brokerage*

* In

dep

end

entl

y o

wn

ed a

nd

op

erat

ed

www.homelifegtarealty.com Email : [email protected]

Sales Representative

1711 McCowan Rd., #206Toronto, ON M1S 2Y3Bus : 416.321.6969

Dream Homeis within your reach

LET ME SHOW YOU WHERE AND HOW?

Lift Light, Shovel Right

'You've got to find what you love,' Jobs says

2 4 10

Email: [email protected] [email protected]

www.indiafinancebazaar.com

Mobile: 011 91 99625 34431 / 99628 99343

Doha Brokerage and Financial Services Ltd- Associate of Doha Bank, Qatar

Director -

India Finance BazaarPresident -

Indian Financial Market AcademyPresident -

· Online Investments in Indian Stock Market· Online Mutual Fund Investments· Online E-Gold, E-Silver Investment (24 carat Pure Gold)· Investments in Indian properties· Corporate Fixed Income Deposit

M.Shekar

Das NarayanasamyMortgage Broker

416-543-6614Fax: 1-888-511-8960, E-mail: [email protected]

Lic# M08007147

Real Mortgage AssociatesLicence No: 10464

SERVICE WITH INTEGRITY, DEPENDABILITY AND KNOWLEDGE

MONEYDREAMS &

COMET

SERVICESCOMMERCIAL

www.cometcommercialservices.com

We work with licensedprofessionals

s Immigration matters (especially appeals)

s Small claims court matters (value of claim up to $25000).

s Traffic tickets.

s Dispute resolution services (includes acting for parties in an arbitration or a tribunal.)

s Book keeping and income tax services (Quick books/Quick tax)

s Business Plans

s Commissioner for Oaths

ProfessionalismIntegrity Reliability

CEO

Certified:Immigration Counselor (M095456)

Arbitrator - Prof AdminTrust and Estate practitioner

SADICK KESHAVJEE

T: 416 422 3313E: [email protected]

INSIDE

STORIES

Editorial

How to Make Small Claims Court Work for You?

8

5

10

So you want to be a ForSale By Owner 7

2

Market View& Outlook

Cross-border shopping will After household debt loads hit a remain a thorn in the side of record high, consumer borrowing “

retailers," the BMO study said. slowed. Personal loan growth rose 3.4 per cent in July compared to 5.2 per cent With consumers looking to pay a year earlier and an average of 9 per down record high household debts and cent for the past decade.American retailers luring them over the

border with deep discounts, Canadians Cross-border shopping is on the are likely to spend less at home, a report rise. Same-day car travel to the U.S. by BMO Capital Markets predicts. jumped 16 per cent in the first eight

months of the year, the fastest pace since the early 1990s, the last time the loonie rose above parity with the American greenback.

During the early 1990s the Canadian dollar was worth as much as nearly 90 cents U.S. Presently, Canadian dollar is almost par with U.S. dollar.

Canadian retail sales are expected to be up about 2.5 per cent in November and December, compared with a gain of The forecast is based on recent 3.1 per cent in last year's holiday season, economic trends, including:the study said.

Real consumer spending slowed to Goods that can be shipped quite 2.2 per cent in the first half of this year,

easily or cheaply — books, games, toys compared to 3.3 per cent the previous online — those retailers will year.

Canadian mutual fund sales slid into money market funds with $248.8 negative territory in September, as million in net redemptions compared redemptions outweighed sales during with $4.5 million in August.the tumultuous month on stock markets, Money Market funds' net redemp-according to the Investment Funds tions were $248.8 million and year-to-Institute of Canada. date net redemptions were $4.78 billion.

Net redemptions were $205.1 Balanced fund net sales were $485.1 million in September, compared to net million in September compared to sales of $202.3 million in August and $478.7 million in August.$1.33 billion last September.

Bond funds also slipped, with sales Equity fund sales tumbled sharply, falling to $1.04 billion from $1.26

the industry organization said, reporting billion for August.$1.6 billion in redemptions, which was

Funds under management for unchanged from August.September totalled $748.6 billion, down

Investors also pulled cash out of 3.9 per cent from August levels.

BOC keeps cents per U.S. dollar. It had traded as rate unchangedhigh as 1.0009 cents before the release.

The Bank of Canada is keeping its The yield on the Government of Canada target overnight interest rate unchanged two-year bond plunged 12 basis points at one percent. This rate remains at 1 to 0.98 percent.percent, since September 2010, The

The bank reduced its forecast for Bank of Canada also cut its growth growth this year to 2.1 percent from a outlook for the Canadian economy and 2.8 percent estimate in July. Growth presented a significantly more cautious next year will be 1.9 percent, down from view of the outlooka 2.6 percent estimate, the bank forecast.

Canada’s currency fell following the It raised its growth projection for 2013 statement, dropping 0.4 percent to 99.28 to 2.9 percent from 2.1 percent.

Real Estate Career NightInterested in Real Estate Career?

to Register call 416 298 8383Coming Soon: Real Estate Class Phase I, Phase II & Phase III

When:Where:

Come and learn:How to become a Real Estate AgentHow to earn 6 figure salaryHow flexible & rewarding Real Estate career is

Carney said he is encouraged that European leaders are no longer "in denial" about the seriousness of the problem, and are saying the right things about tackling the problem.

"The words are right, they're working In Canada we have very few direct on the right things, we have to see the ties with Europe, but surely our “ actions," he said.

financial markets, our financial institu-Carney made clear that the crisis tions would be indirectly affected," he

could damage the global economy, said.including Canada's, but not to the extent

"A severe outcome in Europe could that the Lehman Brothers collapse did in substantial slow (U.S. growth), and then 2008.have a knock-on effect on Canada. We're

Carney said the current 440-billion aware of that, and that's why we're taking euro emergency fund is woefully steps."

Canada criticizehandling Carney

has right to Europe's of crisis: In an interview with CBC, the Canadian central banker, Mark Carney said Europe's failureso far to arrest the problem is putting the economies of Canada and other countries at jeopardy.

inadequate and said a facility of one trillion euros, and likely more, will be required.

Carney further said he is interested in taking charge of the Swiss-based Financial Stability Board, which will police new global banking regulations, when the position comes open later this fall.

"There are many people who think a Canadian would be suitable for the

would be an add-on to his duties at the role," he said. "If I'm asked to do it I

Bank of Canada.would serve." He made clear the post

Turn Pg.6

Cross-borderCanadian

Shopping -A 'thorn' For Retailers

Mutual fund sales plummet tumultuous September

into negative territory in

2

25 OCTOBER 2011 MONEYDREAMS &

ometimes the only way to collect what is owing you is to sue. So when all else fails, the S

Remember that a licensed paralegal Sometimes it is a good idea splitting ultimate alternative is, taking them to can assist in issues that are not too the claim into two transactions, if this is court. But first make sure they have and you cannot sue for wages lost while involved. possible. assets or an income. There is no point attending the hearing (usually one

suing if you cannot collect. If it is a contested divorce, an morning or afternoon in court). accident claim or an involved estate If your claim is equal to, or less than You Cannot sue for: You should consider whether or not matter, I would recommend a lawyer.$25000, you may approach Small you have enough evidence to support Ÿ Matters involving ownership of

Claims Court. In Small Claims Court, Something worth considering is a your claim if it is just your word against land you can choose to bring your case legal shield cover like that of Prepaid that of the other person it may be

Ÿ Matters involving wills, mali-yourself or hire a lawyer or a paralegal Legal. This is a debt free company listed difficult to prove your case. Any cious prosecution, false impris-to represent you. on the New York Stock Exchange. For documents for example, letters, bills, onment or defamation libel and the price of a cup of coffee a day, they leases or witnesses may be a benefit in But here are some issues one should slandercan assist in most legal issues. Without proving your case. consider, before considering a claim.

extra charge, they will have a partner in Ÿ Matters involving governmentsa reputable Canadian law firm call you

within 3 days, research the law, and have

You should know that in many cases Sometimes people sue the wrong a draft of a letter e mailed to you within you cannot sue after a certain period of person and as a result they lose their another 3 days.time has gone by. case. As a general rule you are allowed They will, on your enrolling, do a

to sue with one civil claim form as many For general debt problems such as professionally drafted will, living will, people companies or firms as are contracts, loans, damage deposits and and enduring power of attorney. I have involved in the problem.rent you must sue within two years from had them do a dozen letters for me over

the time the debt began. Canada with its strong social justice the past year, and have prepared my ethic allows for individuals to do their estate documentation. No long term If you are suing for injuries or own thing when one is aggrieved. My commitment. damages caused to yourself or your only suggestion is to tread carefully, property for example assault car Their obligation is to only do the first especially if it is “uncharted” territory. accident etc you must sue within two letter. This suits me fine, because this is

LL.B (Hon).Lon has years of the injury or damages. If you a good starting point for any subsequent carried out a sizeable amount of such work Before suing you may make a wish to sue your own insurance com-small claims court action I wish to in Alberta, and generally works with

written demand of the other party for pany for failure to pay you as a result of make, thereafter. licensed professionals.payment by specific date in the hope that an accident you must do so within one He is an associate of Prepaid legal, you do not have to take the matter to year. mentors new associates, and assists new

If your claim is for more than civil members with the form filling for their wills, court. You may also find that there is an living wills etc.division limit ($ 25000) you can drop agency or ombudsman that will help

the extra amount this is called “aban- He can be contacted at you solve your [email protected] There are filing fees, witness fees donment”.

What you cannot sue for

If you have to sue someone Time limits Who to sue

Before You Sue Alternatives Sadick H Keshavjee

Jurisdiction

Is it worth suing?Costs

How to Make for You? Small Claims Court WorkSADICK H KESHAVJEE LL.B (Hon).Lon

Canadian Economy

September jobs growth: Canada Vs U.S.

Canada's manufacturers exceed expectations

Ontario Securities Commission's new enforcement measures

Canadian housing resale market up slightly in August, but stronger from year-ago

assertion of what the bank calls “flexi- laid off between 2008 and 2011 got a ble inflation targeting,” or the gover- paid job within four months, up from 42 Statistics Canada reported that the nor's right to take longer than usual to percent in the previous two recessions.overall consumer price index rose to 3.2 bring inflation to the 2-per-cent target. Some analysts suggest this is per cent in September and core inflation

because the construction sector is so rate has climbed to 2.2 per cent, primar-much healthier than in the United States. ily because of the rising cost of gasoline average price for a resale home made its Canada's larger public sector could also and food. Canada created six times as many smallest year-over-year increase since play a role, since civil servants are more The mandate from the government jobs as expected in September., January, rising to $352,600.likely to find jobs quickly.to the Bank of Canada is between 1 [per Canada's stunning gain of 60,900 new That's up 6.5 per cent from

cent] and 3 per cent. jobs, reported by Statistics Canada September a year earlier.would be comparable to half a million new U.S. positions. U.S. employment Fresh data released middle of rose 103,000 in September . October shows Canada's manufacturers The Ontario Securities Commission

Statscan said the jobless rate fell to posted a surprisingly robust 1.4 per cent has enacted four new measures aimed at 7.1 percent in August from 7.3 percent, jump in sales to $47.6 billion, almost encouraging companies or individuals far below a U.S. unemployment rate that three times expectations, while in the to come forward with any potential has stayed stubbornly above 9 percent. U.S., consumers bought enough autos, breaches of trading laws.The U.S. jobless rate was 9.1 percent in clothing and furniture in September to

The OSC has brought in a program September . boost retail sales by 1.1 per cent.under which companies will not be

The unemployment rate was Positive reports of employment subject to enforcement action if they Canada's lowest since December 2008, growth in the U.S. and Canada added to voluntarily report any potential and appears to reflect the greater speed the brightening sentiment in equity breaches of provincial securities laws, with which Canadians who lose their markets that had seen little to cheer or any actions considered contrary to the jobs manage to return to work. about since late July.Mr. Flaherty noted that even at 2.2 public interest.

per cent, the core inflation rate is within A jobless American has about a 15 The new program for "no enforce-the current accepted range. Mr. Flaherty percent chance of leaving unemployment action" agreements also shields further responded to the news by saying ment in a month, while in Canada the parties that co-operate in an investiga-he's more concerned about growth and chances are about 33 percent, Statscan tion. The organization representing jobs. said recently. About half of Canadians

Another new measure, called the "no Canada's real estate agents says the In spite of the fact that core inflation contest settlement" program allows the resale market picked up the pace in

rate is now above the Bank of Canada's September.

overall inflation target of 2 per cent. Mr. In its monthly report, the Canadian Flaherty and Bank of Canada Governor

Real Estate Association says sales of Mark Carney must jointly decide before existing homes rose 2.7 per cent in the end of the year whether to renew the September compared with August.five-year-old target or make adjust-

The increase was even greater ments.compared to the same period last year The 2-per-cent target is expected to with sales activity up 11 per cent from be renewed with a more forceful September 2010. However, the national

N Vews & iews

D tiges

3

25 OCTOBER 2011MONEYDREAMS &

OSC to issue a protective order, such as and the European Union are a step closer to a trading halt on a company's shares, even signing a free trade deal. The offers though there has been no admission of guilt representing the core negotiating positions by the party being investigated. of the two sides have not been made public.

The OSC said it has also clarified the The federal government claims a process for a company to voluntarily comprehensive deal with the economi-disclose potential breaches so all parties cally-troubled European continent will know how to best come forward with result in a 20 per cent increase in bilateral information. trade,give the Canadian economy a $12-

billion boost and create almost 80,000 In order to further encourage so-called jobs.self-reporting, the OSC said it will be more

transparent about the credit for co- The rosy assessment is rejected by operation it gives parties that produce unions and other civil society groups who information. believe Europe has the most to gain from

such a deal.The OSC has consulted with investors, market participants and the securities Critics fear a free trade deal with litigation bar, but is also asking for public Europe would open up government feedback on the new initiatives until Dec. services such as municipal water facilities 20. to privatization and outside competition, as

well as eliminate local preferences for such government spending as Ontario's Green OSC's changes will take place before Plan. Supporters believe that competition the possible implementation of a national will bring benefits to consumers, espe-securities regulator.cially through reduction in prices.

Alberta and Quebec have court challenges on the constitutionality of the

Canada has no major comprehensive national securities regulator plan, saying trade deals or investment agreements with the federal government would be overstep-China. The Canadian Council of Chief ping its bounds if it were to form a central-Executives and the Canada China Business ized watchdog to oversee all of Canada's Council, jointly commissioned a study in capital markets.this regard. The report, written by Wendy Canada is the only country in the G20 Dobson of the University of Toronto's without a national securities regulator like Rotman School of Management was the Securities and Exchange Commission released recently.in the United States.

"The fact is, right now, looking at In Canada, there are 13 provincial and Canada's presence in the region, we're not territorial regulators, which critics say there, other than some large firms," she creates regulatory red tape and raises the said in an interview.cost for companies who want to list their

"I'm talking about a region which will shares on Canadian stock marketsbecome 50 per cent of the world economy in the middle of the century and we have no

Trade Minister Ed Fast says Canada FTAs (free trade agreements). In the last 20

National Securities Regulator

Canada-China free trade?

Canada-EU free-trade

years, we haven't had much interest or Canadian companies such as industrial commitment to how the region evolves." giant Bombardier, insurers Manulife and

Sun Life and the big banks operate in Dobson's 27-page report, does not China and have been growing their specifically criticize the Conservative businesses there for years.government, but she makes clear in her

comments that she believes Prime Minister But some Canadian stock market-listed Stephen Harper erred in his early antago- companies such as logging operator Sino-nism to the nominally communist country. Forest and gold miner Silvercorp have

been accused of accounting fraud related to Last week, Trade Minister Ed Fast their operations in China.completed a seven-day visit to the country

extolling the business opportunities. He Overall, while bilateral trade and also said the two countries were close to investment with the region is on the finally inking an investment protection upswing, particularly in China, Canada is agreement that has been in the works since still a minor player in the region. Canada's 1994. bilateral trade with China is only one-tenth

that with the U.S. and China enjoys a Canada has had successes at the massive trade surplus with Canada.corporate level and some misses. Major

See the trend of sales for yourselfMLSGTA MARKET .....STILL HOT?

Explanation : This chart plots monthly MLS® new listings for the current year and the previous three years. The recurring seasonal trend can be examined along with comparisons to previous years for each month.

Source : Toronto Real Estate Board

4

OCTOBER 2011 MONEYDREAMS &

Stay safe this season

Don't let the snow pile up:

Pick the right shovel:

Push, don't throw:

Bend your knees:

Warm up:

Take a break:

Dress for the weather.

When you consider that a shovelful of snow weighs 5 to 7 pounds, you realize how much weight you have to lift to clear your sidewalk or driveway — on average, several hundred pounds! These tips will help keep your back in top shape:

If the weather report calls for several days of snow, frequent shoveling will allow you to move smaller amounts of snow at once.

Use a l igh tweight pusher type shovel. If you are using a metal shovel, spray it with Teflon first, so snow won't stick to it.

Always push the snow to the side rather than throwing it. That way you a v o i d l i f t i n g h e a v y shovelfuls of snow, and sudden twisting or turning movements.

If you find you have to lift a shovelful of snow, use your knees and your leg and arm muscles to do the pushing and lifting, while

keeping your back straight.

Before tackling any strenuous activity take the time to warm up with some overall conditioning (a 10- to 15-minute walk, even on the spot, should do it), followed by some simple stretching.

If you feel tired or short of breath, stop and take a rest. Shake out your arms and legs. Stop shovelling immediately if you feel chest pain or back pain. If you have back pain that is

severe or that persists for more

than a day after shovelling, see a chiropractor. If you have chest pain that is severe, see a medical doctor immedi-ately.

Layered clothing works better to keep your muscles warm and your skin dry so you don't get chilled. You may want to invest in clothing designed specifically for winter outdoor activity

This winter, have fun and stay fit

or layer garments made of natural even though it's cold outside. Be sure to fibres. drink lots of water or juice before,

during and after winter sports.

Rest when you feel tired. Stop your activity immediately if you experience Chiropractors are regulated primary sudden or prolonged pain in any joint or health care providers, like medical

four intensive years of training at an muscle. Cool down by stretching, and doctors, dentists and optometrists. This

accredited chiropractic college. Their change into dry, warm clothes. means they can see you without a

training enables them to assess, diag-referral from another health care

nose and treat disorders related to the provider. In Canada, chiropractors are

spine, nervous system and joints.Don't be fooled by the temperature! required to complete a minimum of Your active body needs plenty of fluids Source: www.chiropractic.on.cathree years of university, followed by

Know when to rest.What is a chiropractor?

Stay hydrated.

Male FemaleMale FemaleMale Female

Term 10* age 30 age 40 age 50

$ 11$ 21

$ 14$ 27

$ 17$ 60

$ 100 000$ 500 000

$ 9$ 15

$ 12$ 21

$ 13$ 40

*The most preferred rates. Rates may vary based on your health and smoker status.To Save Money & Buy Peace –Talk to , your trusted advisor**. **Representing Manulife, RBC Insurance, Canada life, Industrial alliance and many others

Perrii Phone: 416 473 6100

Protect your most valuable asset - yourself and your loved ones Buy term insurance buy peace. Price: cup of coffee a day or even less.Save money. Compare our rates with Banks' Mortgage insurance rates.

Ten tips forMAINTAINING A HEALTHY BACKŸ Exercise regularly

Ÿ Follow a healthy diet

Ÿ Maintain good posture

Ÿ Stretch your spine before and after sports

Ÿ Don't overload your backpack or shoulder bag

Ÿ Stretch your legs and back after each hour of sitting

Ÿ Never cradle the phone between your neck and shoulder

Ÿ Sleep on your back or side, not on your stomach

Ÿ Invest in a good chair, pillow and mattress

Ÿ Have regular spinal check-ups

Lift Shovel Light, Right

t least 70 percent of Canada's elementary school students use A

computers. As a result of this increased periodic stretch breaks during comput-usage, doctors of chiropractic are ing time. Stretches can include: clench-

There should be two inches between treating more young patients suffering ing hands into fists and moving them in the front edge of the seat and the back of from the effects of working at computer 10 circles inward and 10 circles out-the knees. The chair should have arm stations that are either designed for ward; placing hands in a praying supports so that elbows are resting adults or poorly designed for children. position and squeezing them together within a 70- to 135-degree angle to the

for 10 seconds and then pointing them A study conducted by a team of computer keyboard.downward and squeezing them together researchers from Cornell University

Wrists should be in a neutral for 10 seconds; spreading fingers apart found that 40 percent of the elementary position while typing – not angled up or and then closing them one by one; school children they studied used down. The mousing surface should be standing and wrapping arms around the computer workstations that put them at close to the keyboard so your child body and turning all the way to the left postural risk. The remaining 60 percent

and then all the way to the right.scored in a range indicating "some concern." Your child's muscles need adequate

hydration to work properly and avoid "Emphasis needs to be placed on injury. Encourage your child to drink teaching children how to properly use four 8-ounce glasses of water a day. computer workstations,"Carbonated beverages, juices and other sweet drinks are not a substitute.

If children and adults in your home Urge your child's school or PTA

share the same computer workstation, officials to provide education on correct

make sure that the workstation can be computer ergonomics and to install

modified for each child's use. doesn't have to hold the arm out.ergonomically correct workstations.

Position the computer monitor's top The child's knees should be posi-"If your child continues to complain

of the screen at or below the child's eye tioned at an approximate 90- to 120-of pain and strain from sitting at a

level. This can be accomplished by degree angle. To accomplish this angle, computer, see a doctor of chiropractic,"

taking the computer off its base or stand, feet can be placed on a foot rest, box, "A chiropractor can help alleviate or having the child sit on firm pillows or stool or similar object.

your child's pain and help prevent phone books to reach the desired height. Reduce eyestrain by making sure further injury.”

Make sure the chair at the worksta- there is adequate lighting and that there For more information on health and safety tion fits the child correctly. An ergo- is no glare on the monitor screen. Use an visit the Ontario Chiropractic Association

nomic back cushion, pillow or a rolled- antiglare screen if necessary.Web site at www.chiropractic.on.ca or

up towel can be placed in the small of call 1877-327-2273. Dr. George Traitses, Limit your child's time at the the child's back for added back support. 416-499-5656computer and make sure he or she takes

Here are some tips

Computer Ergonomics Children and Dr.George Traitses

5


DISCLAIMERDreams and Money takes care to present all

the information as accurately and efficiently as possible. Any advice or recommendation appearing in the paper is also part of information only. They should not be construed as an expert opinion. Please note that no representation or warranty with respect to the accuracy or the completeness of the information is given. Information always keeps changing. Hence all the information, including advice and recommendations are to be treated as of general nature only. For your speci f ic circumstances, you are always advised to consult an expert before acting on any information.

unsolicited articles are welcomeselected ones will be publishedemail : [email protected]

& community news

Copyright © 2010 Dreams and Money, Canada. All Rights Reserved.

Editor-in-Chief & PublisherPerrii Muthuraman

Direct : 416 473 6100

Editor & Technical AdvisorAishwar Muthuraman

105-2100 Ellesmere Road,Scarborough, ON, M1H 3B7

Ph: 647 352 4945 | Fax: 647 352 6110Email: [email protected]

www.dreamsandmoney.com

Layout, Graphic Designing & Digital Epaper

NEWSSMART, INDIA

www.newssmart.in

Editorial & Development Committee

V.S. Thurairajah

Raja M. Mahendran

Kumaar.M.Suntharakumar

NargisNanji

Chandresh Brahmbhatt

Karthik .M

Das Narayanasamy

At Dreams & Money, we want to help people lead happy lives. We want to help people reach their dreams. A lot of dreams in the world require financial awareness and proper planning to bring to fruition. To get this financial knowledge can be challenging. We realize this, and want to make this process simpler.

We will bring you financial news happening around you that impacts you, along with timeless classics on topics like financial planning, life skills, health etc. to help you grow all around to reach your dreams.

If you are someone who shares this same passion, and think you can contribute to us in any way (writing articles, spread-ing the message etc.), please let us know. We’ll be happy to hear from you.

THE MISSION

EDITORIALS OPINION

am honored to be with you today friends' rooms, I returned coke bottles at your commencement from one for the 5¢ deposits to buy food with, and I

of the finest universities in the world. I I would walk the 7 miles across town never graduated from college. Truth be every Sunday night to get one good meal told, this is the closest I've ever gotten to a week at the Hare Krishna temple. I a college graduation. Today I want to tell loved it. And much of what I stumbled you three stories from my life. That's it. into by following my curiosity and No big deal. Just three stories. intuition turned out to be priceless later

on. Let me give you one example:

Reed College at that time offered perhaps the best calligraphy instruction I dropped out of Reed College after in the country. Throughout the campus the first 6 months, but then stayed every poster, every label on every around as a drop-in for another 18 drawer, was beaut i fu l ly hand months or so before I really quit. So why calligraphed. Because I had dropped out did I drop out?and didn't have to take the normal

It started before I was born. My classes, I decided to take a calligraphy biological mother was a young, unwed class to learn how to do this. I learned college graduate student, and she about serif and san serif typefaces, about decided to put me up for adoption. She varying the amount of space between felt very strongly that I should be different letter combinations, about adopted by college graduates, so what makes great typography great. It everything was all set for me to be was beautiful, historical, artistically adopted at birth by a lawyer and his subtle in a way that science can't wife. Except that when I popped out capture, and I found it fascinating.they decided at the last minute that they

None of this had even a hope of any really wanted a girl. So my parents, who practical application in my life. But ten were on a waiting list, got a call in the years later, when we were designing the middle of the night asking: "We have an first Macintosh computer, it all came unexpected baby boy; do you want back to me. And we designed it all into him?" They said: "Of course." My the Mac. It was the first computer with biological mother later found out that

my mother had never graduated from college and that my father had never graduated from high school. She refused to sign the final adoption papers. She only relented a few months later when my parents promised that I would someday go to college.

And 17 years later I did go to college. But I naively chose a college that was almost as expensive as Stanford, and all of my working-class parents' savings

beautiful typography. If I had never were being spent on my college tuition. dropped in on that single course in After six months, I couldn't see the value college, the Mac would have never had in it. I had no idea what I wanted to do multiple typefaces or proportionally with my life and no idea how college spaced fonts. And since Windows just was going to help me figure it out. And copied the Mac, it's likely that no here I was spending all of the money my personal computer would have them. If I parents had saved their entire life. So I had never dropped out, I would have decided to drop out and trust that it never dropped in on this calligraphy would all work out OK. It was pretty class, and personal computers might not scary at the time, but looking back it was have the wonderful typography that one of the best decisions I ever made. they do. Of course it was impossible to The minute I dropped out I could stop connect the dots looking forward when I taking the required classes that didn't was in college. But it was very, very interest me, and begin dropping in on clear looking backwards ten years later.the ones that looked interesting.

Again, you can't connect the dots It wasn't all romantic. I didn't have a looking forward; you can only connect dorm room, so I slept on the floor in

The first story is aboutconnecting the dots

Study after study reveals that number one concern of Canadians is “How to save while paying debts?” Our advice to you is pay off your expensive debts first. Pay off as quickly as you can. The value of interest saved from paying off debts is often more valuable than the interest or return earned on your savings or investments. Remember return from the investment is often not guaranteed. If it is guaranteed, it may not be attractive. Advice given here is more suited to low and medium income earners. If you are in the high tax bracket, you may need to take taxation in to account.

In our opinion, savings is only a secondary goal. Learning to live within the means is a primary goal. For many problems, forgetting this simple principle of life is the cause. When the primary goal is achieved, effortlessly secondary goal will be achieved. Make budgeting part of your life.

Tracking your expenses is a good habit. Not only it increases your memory, it also helps you to identify and cut wasteful or discretionary expenses.

Credit cards and store cards are the most expensive (or dangerous) debts. Pay the credit card in full every month. Credit card is not an ATM machine. If you're a person, who concurs with the primary and secondary goals mentioned here, you won't even think of store cards. Buying goods on long term credit from stores is often expensive even than the most expensive credit cards. Be watchful of yourself. Your attitude!

When you think of saving or investment, follow one simple rule: Don't invest in anything that you don't understand. That is one of the principles many great billionaires follow.

Like a company or a business organization, know your assets and liabilities every month. The difference between your assets and liabilities is your net worth. It should grow month after month. Be watchful. Whether you become rich or not, you will lead relatively a happy and peaceful financial life, when you do this exercise every month.

If money is not a problem, then many things may not be a problem in life. Good times or bad times, learn to manage money; learn to manage your life. It's time to take charge. Good luck.

How To SaveWhile Paying Debts?

'You've got to find what you love,' Jobs saysThis is a prepared text of the Commencement address delivered by

Steve Jobs, CEO of Apple Computer and of Pixar Animation Studios, on June 12, 2005.

WHICH… are the top 5 concerns Canadians have about their finances?

1. How can I save AND pay down my debt?

2. Should I have an RSP or a TFSA…or both?

3. Should I pay down my mortgage, or contribute to my RSP or my TFSA?

4. How can I pay for my children's education?

5. When will I be able to afford to retire?

WHAT… are the top 5 tips RBC Financial Planning recommends to help Canadians deal with their financial

concerns? 5. Reduce your most expensive ŸThe average RSP contribution in debts as much and as quickly as 2010 was $4,5251. Pay yourself first - a simple but you can.very effective lifelong approach. ŸTop 2010 RSP investments:

HOW… important are financial Mutua l funds ; GICs /Term 2. Have a plan - and write/type it plans, RSPs, TFSAs to Canadians? deposits; Savings accountsout, so you can share it to gain

advice about the best ways to Ÿ1-in-5 Canadians (19 per cent) has Ÿ36 per cent of Canadians have make your plan work for you. a formal financial plan opened TFSAs

3. Learn about tax-saving options - Ÿ70 per cent of these Canadians feel ŸTop three reasons Canadians have RSPs, TFSAs, HISAs, RESPs, they are better off because of their TFSAs: Tax shelter (37 per cent); RDSPs. plan emergency savings (36 per cent);

long-term retirement savings (36 4. Make regular contributions to the Ÿ61 per cent of Canadians have an per cent)tax-savings options that are best RSP

(Source: RBC media release)for you.

Tips and Facts from RBC

Turn Pg.6

6

OCTOBER 2011 MONEYDREAMS &

from Pg. 5 You've got to find what you love. And that is as true for your work as it is for them looking backwards. So you your lovers. Your work is going to fill a have to trust that the dots will somehow large part of your life, and the only way connect in your future. You have to trust to be truly satisfied is to do what you in something — your gut, destiny, life, believe is great work. And the only way karma, whatever. This approach has to do great work is to love what you do. never let me down, and it has made all If you haven't found it yet, keep looking. the difference in my life.Don't settle. As with all matters of the heart, you'll know when you find it. And, like any great relationship, it just

I was lucky — I found what I loved to gets better and better as the years roll on. do early in life. Woz and I started Apple So keep looking until you find it. Don't in my parents garage when I was 20. We settle.worked hard, and in 10 years Apple had grown from just the two of us in a garage

When I was 17, I read a quote that into a $2 billion company with over went something like: "If you live each 4000 employees. We had just released day as if it was your last, someday you'll our finest creation — the Macintosh — a most certainly be right." It made an year earlier, and I had just turned 30. impression on me, and since then, for And then I got fired. How can you get the past 33 years, I have looked in the fired from a company you started? Well, mirror every morning and asked myself: as Apple grew we hired someone who I "If today were the last day of my life, thought was very talented to run the would I want to do what I am about to do company with me, and for the first year today?" And whenever the answer has or so things went well. But then our been "No" for too many days in a row, I visions of the future began to diverge know I need to change something.and eventually we had a falling out.

When we did, our Board of Directors Remembering that I'll be dead soon sided with him. So at 30 I was out. And is the most important tool I've ever very publicly out. What had been the encountered to help me make the big focus of my entire adult life was gone, and it was devastating.

I really didn't know what to do for a few months. I felt that I had let the previous generation of entrepreneurs down - that I had dropped the baton as it was being passed to me. I met with David Packard and Bob Noyce and tried to apologize for screwing up so badly. I was a very public failure, and I even thought about running away from the valley. But something slowly began to dawn on me — I still loved what I did. The turn of events at Apple had not changed that one bit. I had been rejected, but I was still in love. And so I decided to start over.

I didn't see it then, but it turned out that getting fired from Apple was the choices in life. Because almost best thing that could have ever everything — all external expectations, happened to me. The heaviness of being all pride, all fear of embarrassment or successful was replaced by the lightness failure - these things just fall away in the of being a beginner again, less sure face of death, leaving only what is truly about everything. It freed me to enter important. Remembering that you are one of the most creative periods of my going to die is the best way I know to life. avoid the trap of thinking you have

something to lose. You are already During the next five years, I started a naked. There is no reason not to follow company named NeXT, another your heart.company named Pixar, and fell in love

with an amazing woman who would About a year ago I was diagnosed become my wife. Pixar went on to create with cancer. I had a scan at 7:30 in the the worlds first computer animated morning, and it clearly showed a tumor feature film, Toy Story, and is now the on my pancreas. I didn't even know what most successful animation studio in the a pancreas was. The doctors told me this world. In a remarkable turn of events, was almost certainly a type of cancer Apple bought NeXT, I returned to that is incurable, and that I should Apple, and the technology we expect to live no longer than three to six developed at NeXT is at the heart of months. My doctor advised me to go Apple's current renaissance. And home and get my affairs in order, which Laurene and I have a wonderful family is doctor's code for prepare to die. It together. means to try to tell your kids everything

you thought you'd have the next 10 I'm pretty sure none of this would years to tell them in just a few months. It have happened if I hadn't been fired means to make sure everything is from Apple. It was awful tasting buttoned up so that it will be as easy as medicine, but I guess the patient needed possible for your family. It means to say it. Sometimes life hits you in the head your goodbyes.with a brick. Don't lose faith. I'm

convinced that the only thing that kept I lived with that diagnosis all day. me going was that I loved what I did. Later that evening I had a biopsy, where

My second story is about love and loss

My third story is about death

Cross-border shopping... committee that he's prepared to look at reducing tariffs and to use "informal From Pg.1persuasive powers'' with retailers if

probably face difficulties. needed to reduce the Canada-U.S. price “The Canadian dollar likely would gap on consumer goods.

have to fall below 90 cents U.S. before “It is like 3 days family trip. It is Canadians will change their cross- amazing how much I am saving, New border shopping habits”, BMO senior Hampshire is tax free state”said one economist Sal Guatieri said frequent cross-shopper. “Saving money

Finance Minister Jim Flaherty has is more important than being patriotic” said he did not have the answers as to said another consumer. “Even if the why prices remain stubbornly higher in dollar went down to 90 cents (which Canada — on average about 20 per cent shows no signs of doing), regardless, more — despite the fact the loonie has US purchases are still less than any steadily risen against the U.S. dollar place in Alberta. New luxury cars are over the last five years. still five figures discounted.”

Flaherty recently told a Senate

they stuck an endoscope down my courage to follow your heart and throat, through my stomach and into my intuition. They somehow already know intestines, put a needle into my pancreas what you truly want to become. and got a few cells from the tumor. I was Everything else is secondary.sedated, but my wife, who was there, When I was young, there was an told me that when they viewed the cells amazing publication called The Whole under a microscope the doctors started Earth Catalog, which was one of the crying because it turned out to be a very bibles of my generation. It was created rare form of pancreatic cancer that is by a fellow named Stewart Brand not far curable with surgery. I had the surgery from here in Menlo Park, and he brought and I'm fine now. it to life with his poetic touch. This was

This was the closest I've been to in the late 1960's, before personal facing death, and I hope it's the closest I computers and desktop publishing, so it get for a few more decades. Having was all made with typewriters, scissors, lived through it, I can now say this to and polaroid cameras. It was sort of like you with a bit more certainty than when Google in paperback form, 35 years death was a useful but purely before Google came along: it was intellectual concept: idealistic, and overflowing with neat

tools and great notions.No one wants to die. Even people who want to go to heaven don't want to Stewart and his team put out several die to get there. And yet death is the issues of The Whole Earth Catalog, and destination we all share. No one has ever then when it had run its course, they put escaped it. And that is as it should be, out a final issue. It was the mid-1970s, because Death is very likely the single and I was your age. On the back cover of best invention of Life. It is Life's change their final issue was a photograph of an agent. It clears out the old to make way early morning country road, the kind for the new. Right now the new is you, you might find yourself hitchhiking on but someday not too long from now, you if you were so adventurous. Beneath it will gradually become the old and be were the words: "Stay Hungry. Stay cleared away. Sorry to be so dramatic, Foolish." It was their farewell message but it is quite true. as they signed off. Stay Hungry. Stay

Foolish. And I have always wished that Your time is limited, so don't waste it for myself. And now, as you graduate to living someone else's life. Don't be begin anew, I wish that for you.trapped by dogma — which is living

with the results of other people's Stay Hungry. Stay Foolish.thinking. Don't let the noise of others' Thank you all very much.opinions drown out your own inner

Source : www.news.stanford.edu/news/ voice. And most important, have the 2005/june15/jobs-061505.html

“...you can't connect the dots As with all matters of the heart, you'll looking forward; you can only connect know when you find it. And, like any them looking backwards. So you have great relationship, it just gets better and to trust that the dots will somehow better as the years roll on. So keep connect in your future. You have to looking until you find it. Don't settle."trust in something — your gut, destiny, "Your time is limited, so don't waste life, karma, whatever. This approach it living someone else's life. Don't be has never let me down, and it has made trapped by dogma — which is living all the difference in my life." with the results of other people's

"Sometimes life hits you in the thinking. Don't let the noise of others' head with a brick. Don't lose faith. I'm opinions drown out your own inner convinced that the only thing that kept voice. And most important, have the me going was that I loved what I did. courage to follow your heart and You've got to find what you love." intuition. They somehow already

know what you truly want to become. “...the only way to do great work is Everything else is secondary."to love what you do. If you haven't

found it yet, keep looking. Don't settle. “Stay Hungry. Stay Foolish."

Nice Quotes from "Steve Jobs”

7


t's a good idea to sell your home by yourself. No doubt, you will save I

realtor's commission.

All that is required is to have all the required information, time and the skills needed for the job. If you think, you Negotiation is an art. It can enhance have them, venture out to test your the price, when handled properly. If presumptions. someone makes a lowball offer, keeping

your emotions in check, treat it as an Many FSBO owners think that opening bid, not an insult. Be realistic. selling a home means putting a sign on Remember many potential buyers

the lawn, an ad in the paper and in the net expect an FSBO property to be a and hold an open house once in a while. bargain. Selling a home, in fact, means much more than that.

To start with you must be willing to Another hurdle is the considerable answer the following questions to any time it takes to research your home's potential buyers. value, prepare marketing materials and

Ÿ Why are you selling? then organize and host open houses on the weekends and showings on the

Ÿ Where are you moving?weekdays--possibly for months on end.

Ÿ When are you moving? It is like a full time or part-time job, depending upon your need and circum-The purpose of this article is to give stances.you some tips on how to sell “own

houses” privately. And also to inform the potential sellers that they can

Be honest with yourself. You might approach the author to sell their house in be ready to put more effort into selling the professional market, if and when the house than an agent would. But if they decide.you're going to skimp on research or

Handling a transaction without a marketing, you'll likely end up sacrific-middleman is more work and stress for ing in a lower sale price what you'd save the buyer as well as the seller. Many in commissions. Also, you'll have potential buyers expect an FSBO sacrificed your weekends and family property to be a bargain. The biggest leisure times.barrier for many homeowners to selling

Setting the right price is key to a house themselves is emotional. Your fetching top dollars for your home home holds priceless memories to you. quickly. The author can guide you to fix Yet, my advice to you is to remain the right price for free in GTA.unemotional in the process of selling.

If your homework still leaves you You have to look at your home as a fearful of mispricing your home, commodity: no emotions please, consider paying for an appraisal. (It will otherwise you can't do it.

Do you think that a qualified realtor will have emotions on selling your property?

What is your temperament and negotiating skills?

Do you have the required time?

So you want Sale Owner to be a For By By PerriiMuthuraman

Q3

Q4

Just a little somethingto keep your mind active:

Q1

Q2

The first 4 images are the questions and the answers are given on Page No.8

Please do not look at the answers first, these are really good. Try it.

Thinking outside the box

amenities, like a three-car garage, granite counter tops or a finished basement. Then add high-quality photos and possibly a well-produced video tour

cost you $300 to $500 in most areas.) that show off your property's best You might also pay for a home inspec- features.tion in advance ($400 to $700). The

Is the potential buyer "prequalified" inspection will alert you to any prob-for mortgage? Such a bidder is unlikely lems that could provide buyers with to leave you disappointed on your negotiating leverage doorstep, after his offer to buy.

Do decide in advance whether you Do your math once again with regard plan to cut out realtors entirely or are

to realtor's commission and the benefits. willing to pay a commission to a buyer's Which will result in better price with agent, and factor that decision into your least amount of your time? After this list price. analysis, if you decide to become

In the home sale market you've got to FSBO, feel free to contact the author to spend money to make money. So make make use of his any of the following free sure your home is primed to impress services.

Since you don't have an agent to do 1. Fixing the asking price the marketing, you'll also need to budget (sale price)several hundred to a few thousand

2. Tips on how to sell privately.dollars for promotional expenses. Promote your home both online and 3. Offer formsprint media. 4. Open house guidelines

Multiple Listing Service (MLS)—is 5. Steps to financingthe dominant database used by agents.

6. Questions to ask buyers.You can have access to this database by is a realtor with hiring a limited-service or full service

He is looking after his own clients' needs broker selling their houses for top dollars. He is ready to help you to sell your house for top In terms of content, take a multime-dollars. Contact him at dia approach. Highlight the price, email: location, number of bedrooms and

Perrii Homelife GTA inc.

416 473 [email protected]

BEDSIDE MANNERSSusie's husband had been slipping in and out of a coma for several months.

Things looked grim, but she was by his bedside every single day. One day as he slipped back into consciousness, he motioned for her to come close to him. She pulled the chair close to the bed and leaned her ear close to be able to hear him.

"You know" he whispered, his eyes filling with tears, "you have been with me through all the bad times. When I got fired, you stuck right beside me. When my business went under, there you were. When we lost the house, you were there. When I got shot, you stuck with me. When my health started failing, you were still by my side. "And you know what?"

"What, dear?" she asked gently, smiling to herself.

“I think you're bad luck."

8


1.10.2011 to 15.10.2011 Reconstruction of Financial Assets and Enforcement of Security Interest Market declined during the first (SARFAESI) Act and debt recovery acts week of the month on resumption of to enable banks to effectively deal with selling by foreign funds and likely the menace of bad loans and also muted to weak second quarter earnings. encourage them to disburse credit freely Global recession fears and data showing to home and corporate loan seekers. The a decline in service sector activity in the government recently raised its borrow-month of September 2011 also weighed ing target for the current fiscal year by on sentiment. Sell-off in banking shares 11 Billion U.S Dollar surprising the after rating agency Moody's down-market and fueling worries that it may graded State Bank of India. The market even overshoot the new estimate fell in three out of four trading sessions because of muted revenue growth amid during the week. Market edged higher a slowing economy and swelling during the week on strong Infosys subsidies. The market regulator results. The market gave thumbs up to

good second quarter results from IT bellwether Infosys, which also raised its full year earnings guidance on 12 October 2011. Data showing sustained buying by foreign funds recently underpinned sentiment. The market rose in three out of five trading sessions during the week, with the barometer Sensex settling above the psychological 17,000 mark and the Nifty regaining the psychological the 5,000 level

Securities and Exchange Board of India India's services sector contracted for

recently set a minimum net worth of 25 the first time in more than two years as

million U.S dollar for companies that new business dried up and expectations

wish to issue structured products or weakened amid concern over a flagging

market-linked debentures to raise funds.world economy. The seasonally

Foreign institutional investors (FIIs) adjusted HSBC Market Business inflow totaled half a billion U.s dollar in Activity Index, based on a survey of five trading sessions from 7 October around 400 firms, plunged in September 2011 to 13 October 2011. Industrial to 49.8 -- its lowest reading since April output in the month of August 2011 rose 2009 -- and below the 50 mark which a slower-than expected 4.1% from a separates growth from contraction. year earlier. The government also

The government approved amend-revised upwards the industrial produc

ments to the Securitization and

I M M Ondian arket view & arket utlook M.Shekar

TSX TREND - 3 months July 5 to Oct 4 2011

TSX TREND - 1 month Sep 6, 2011 to Oct 4, 2011

TSX TREND - Oct 4, 2011 to Oct 24, 2011

IS FINALLY?MARKET HEADING NORTH

tion growth for May 2011 to 6.15% from 5.91% reported earlier. Inflation, on all goods traffic from Saturday 15 as measured by the wholesale price October 2011 to 5%, from 2%. Finance index (WPI), rose 9.72% in September ministers and central bankers from the 2011, compared with a 9.78% rise in Group of 20 leading industrialized and August 2011 developing economies meet in Paris on

Friday, 14 October and Saturday, 15 October, with the euro zone's sovereign Market follows the global cues. debt crisis firmly in the spotlight, as Market continues to be volatile as worries grow over possible contagion to second quarter results to be declared by bigger nations such as Italy and Spain. corporate will dictate the trend. Indian

A weak rupee boosts revenue of IT stocks will continue to take cues from firms in rupee terms as the IT sector developments in Europe which has been derives a lion's share of revenue from grappling with debt crisis. Stock-exports. Shares of tractors, fertilizers, specific activity may dominate trade in agrochemicals firms may edge higher the near-term as earnings trickle in. after good rains this year. FMCG shares Investors will closely watch the man-and two-wheeler makers may also gain agement commentary at the time of as good rains may boost rural sales. announcement of Q2 September 2011 Reserve Bank of India's likely half results, which will provide cues on yearly review of monetary policy will futures earnings outlook. The Q2 results be on 25 October 2011, decisions taken season has started on a positive note, in the meeting would provide further with good results from IT bellwether cues. Infosys, which has also revised upwards

its full year earnings guidance in both Due to global economic fears, dollar and rupee terms. market trades at a high volatile trend. In

such a situation, foreign / NRI investors The market will on Monday react to can get fundamentally strong compa-Reliance Industries' Q2 result which is nies at a lower price, like a discount sale. declared on Saturday, 15 October 2011. And also when stock market is highly IT major TCS, housing finance major volatile, NRIs can choose other invest-HDFC and med ia ma jo r Zee ment products that give capital protec-Entertainment Enterprises unveil Q2 tion as well as wealth creation. Our results on Monday, 17 October 2011. exercise is to provide real time under-Shares of steel, coal, iron ore and standing and choosing right investment cement firms may edge lower as Indian products for the exact situation. We Railways has raised tariffs for the "busy offer online as well offline on stock season", which runs from October to market and other allied financial June, to 10% from 7%. The railways products training with short and long also raised the development surcharge term duration depending upon the individual need. We also provide professional services to structure your investment portfolio.

Any queries, feel free to send mail at [email protected] or call +91 99625 34431

Market outlook

Stocks generally surged based on the raising optimism on Europe. Economically sensitive stocks stand to benefit from a rebound in economic activity more so than their defensive counterparts. Energy stocks lead the way with a gain of 28 per cent. Other sectors that have performed better: consumer discretionary stocks, materials, financials, industrials and technology. The moves coincide to a large degree with the start of earnings season. In China, preliminary data on manu-facturing activity in October rose to 51.1, putting the indicator in positive territory for the first time in four months. Any reading above 50 denotes expansion

Thinking outside the box Answers.1. The last person took the basket with the egg in it.2. All the other card players were women.3. Pour the juice from the second glass into the fifth.4. The recluse lived in a lighthouse.

9


* In

dep

end

entl

y o

wn

ed a

nd

op

erat

ed

Contact

immediately if youare a seller or buyer

PERRII

[email protected]

416.473.6100

HomeLife/GTA Realty Inc.,5215 Finch Ave. E. Suite 203 Toronto, ON. M1S OC2 Bus : 416.321.6969

Brokerage*

Commercial or Residential

There are many interested buyers, willing to buy both Residential & Commercial properties in

Toronto, Scarborough, Markham & Stouffville

**A trusted advisor

Insurance you can trustInsurance you can trustInsurance you can trustInsurance you can trustA Home you will loveA Home you will loveA Home you will loveA Home you will love

****

Relax - It's Perrii! your interest is his # 1 priority! Always!

Perrii Muthuraman MBA; M.ComCommercial & Residential Sales Representative

representing Manulife, RBC, Canada life, Industrial Alliance & many others - for insurance

8


A butcher watching over his shop is following him all the way.really surprised when he sees a dog The dog then comes to a bus stop, coming inside the shop. He shoos him and starts looking at the timetable. The away. But later, the dog is back again. butcher is in awe as the dog stops a bus So, he goes over to the dog and notices' by pulling its left leg up and gets in it. it has a note in its mouth. He takes the The butcher follows the dog into the note and it reads, "Can I have 12 bus.sausages and a leg of lamb, please.”

The dog then shows a ticket, which is The dog has money in its mouth, as tied to its belt, to the bus conductor. The

well. The butcher looks inside and, low butcher is nearly fainting at this sight, so and behold, there is a $10 note there. So are the other passengers in the bus.he takes the money and puts the sau-

The dog then sits near the driver's seat looking outside waiting for the bus stop to come. As soon as the stop is in sight, the dog stands and wags its tail to inform the conductor.

Then, without waiting for the bus to stop completely, it jumps out of the bus and runs to a house very close to the stop. It opens the big iron gate and rushes inside towards the door.

As it approaches the wooden door, the dog suddenly changes its mind and heads towards the garden. It goes to the window, and beats its head against it several times, walks back, jumps off, and waits at the door.

The butcher watches as a big guy opens the door, and starts abusing the dog, kicking him and punching him, and swearing at him.

sages and lamb in a bag, placing it in the The butcher surprised with this, runs

dog's mouth. The butcher is so up, and stops the guy. "What in heaven's

impressed, and since it's about closing name are you doing? The dog is a

time, he decides to shut the shop and genius. He could be on TV, for the life of

follow the dog. So off he goes.me!" to which the guy responds: "You

The dog is walking down the street, call this clever? This is the second time when it comes to a level crossing the dog this week that this stupid dog's forgotten puts down the bag, jumps up and presses his key.”the button. Moral of the story...

Then it waits patiently, bag in mouth, You may continue to exceed onlookers' expectations but shall always fall short of for the lights to turn. They do, and it the bosses' expectations.walks across the road, with the butcher

A nurse took the tired, anxious the cries and moans of the other patients.s e r v i c e m a n t o t h e b e d s i d e . Now and then she heard him say a “Your son is here,” she said to the old few gentle words. The dying man said man. She had to repeat the words several nothing, only held tightly to his son all times before the patient's eyes opened. through the night.

Heavily sedated because of the pain Along towards dawn, the old man of his heart attack, he dimly saw the died. The Marine released the now young uniformed Marine standing lifeless hand he had been holding and outside the oxygen tent. He reached out went to tell the nurse. While she did his hand. The Marine wrapped his what she had to do, he waited.toughened fingers around the old man's

Finally, she returned. She started to limp ones, squeezing a message of love

offer words of sympathy, but the Marine and encouragement.

interrupted her.The nurse brought a chair so that the

“Who was that man?” he asked.Marine could sit beside the bed. All

The nurse was startled, “He was your through the night the young Marine sat father,” she answered.there in the poorly lighted ward, holding

“No, he wasn't,” the Marine replied.the old man's hand and offering him “I never saw him before in my life.”w o r d s o f l o v e a n d s t r e n g t h .

Occasionally, the nurse suggested that “Then why didn't you say something the Marine move away and rest awhile. when I took you to him?”

He refused. Whenever the nurse “I knew right away there had been a came into the ward, the Marine was mistake, but I also knew he needed his oblivious of her and of the night noises son, and his son just wasn't here. When I of the hospital – the clanking of the realized that he was too sick to tell oxygen tank, the laughter of the night whether or not I was his son, knowing staff members exchanging greetings, how much he needed me, I stayed.”

here once was a little boy who had a bad temper. His father T

gave him a bag of nails and told him that every time he lost his temper, he must hammer a nail into the fence.

The first day the boy had driven 37 nails into the fence. Over the next few weeks as he learned to control his anger, the number of nails hammered daily, gradually dwindled down. He discov-ered it was easier to hold his temper than to drive those nails into the fence. Finally the day came when the boy didn't lose his temper at all. He told his father about it and the father suggested that the boy now pull out one nail for each day that he was able to hold his

like this one.”temper.You can put a knife in a man and The days passed and the young boy

draw it out. It won't matter how many was finally able to tell his father that all times you say I'm sorry, the wound is the nails were gone. The father took his still there.son by the hand and led him to the fence.

He said “you have done well, my son, Make sure you control your temper but look at the holes in the fence. The the next time you are tempted to say fence will never be the same. When you something you will regret later.say things in anger, they leave a scar just

WOULD SHAKE IT OFF AND STEP UP!

his parable is told of a farmer This he did, blow after blow. “Shake who owned an old mule. The T it off and step up…shake it off and step

mule fell into the farmer's well. The up…shake it off and step up!” He farmer heard the mule praying or repeated to encourage himself. No whatever mules do when they fall into matter how painful the blows, or how wells. After carefully assessing the distressing the situation seemed, the old situation, the farmer sympathized with mule fought panic and just kept right on the mule, but decided that neither the SHAKING IT OFF AND STEPPING mule nor the well was worth the trouble UP!of saving. Instead, he called his neigh-

It wasn't long before the old mule, bors together, told them what had

battered and exhausted, stepped happened, and enlisted them to help

triumphantly over the wall of that well! haul dirt to bury the old mule in the well

What seemed like it would bury him and put him out of his misery.

actually helped him . . . all because of the Initially the old mule was hysterical! manner in which he handled his adver-

But as the farmer and his neighbors sity.continued shoveling and the dirt hit his

THAT'S LIFE! If we face our back, a thought struck him. It suddenly

problems and respond to them posi-dawned on him that every time a shovel

tively, and refuse to give in to panic, load of dirt landed on his back, HE

bitterness, or self-pity.

n old man lived alone in a and dug up the entire garden without village. He wanted to spade his finding any guns.A

potato garden, but it was very hard Confused, the old man wrote another work. His only son, who would have note to his son telling him what hap-helped him, was in prison. pened, and asked him what to do next.

The old man wrote a letter to his son His son's reply was: 'Go ahead and and men t ioned h i s s i t ua t ion : plant your potatoes, Dad.. It's the best I Dear Son, I am feeling pretty bad could do for you from here.'because it looks like I won't be able to

moral:plant my potato garden this year. I hate

no matter where you are in the world, if you to miss doing the garden, because your have decided to do something deep from mother always loved planting time. I'm your heart you can do it. it is the thought

that matters.. not where you are or where just getting too old to be digging up a the person is….garden plot. If you were

here, all my troubles would be over. I know you would dig the plot for me, if you weren't in prison.

Love, Dad Shortly, the old man received this telegram: 'For Heaven's sake, Dad, don't dig up the garden!! That's where I buried the GUNS!!' At 4 a.m. the next morning, a dozen FBI agents and local police officers showed up

Management lesson every salaried person for

Military Story: The Marines Father

T CEMPER ONTROL

F D Pace ifficulties ositively

Attitude importance and its …

dreams & money october issue 2

Documents

s book

canadian dollar

financial services

s dispute resolution

indian stock market

s traffic tickets

small claims court work

american retailers