Editorial Dandia jamboree jhalle and the Deepavali Jagamag is long done as well but the taste lingers on. What a flawless performance!!!! The artists, the programs the jhavan all got superlative approval ratings. To the Amchi crowd; Sagan Banquet Hall Event may have set a few butterflies on with a mid-morning start. Not too long ago the OKA celebrated its Panchwees Varsh and now this Thees Varsh razzmatazz. This was probably the most amazing spectacle eclipsing all other events before. Way to go Vinaya-Guru EC troupe!!!! All you Amchilets you folks are an amazing bunch. That enthu, the talent and more is such a refreshing outlook at the things to come a few years down the line. More about this with a link to the event inside. October- November has been seriously busy for many in the Amchi crowd. Weddings, Receptions were the talk of the town as our Young Turks turn the leaf in this book of life. The inquisitive nature of a Amchi is legendary. Perfection is often the reason for success. Time and again we see this. Be it in programming or organization of events, or even in the Javana spread. It is thus no wonder that Deepavali extravaganza was jagmagging long after the event. As I said the Young Turks of OKA are rearing to go in this Wild Wild West. If you are getting restless and spending sleepless nights tossing and turning on your bed PHIKKIR not ... 1-800- Amol is a phone call away. A write up on his start up was published a few E Samachars ago. If you as a youngster (all of us are included in this Mamma) think your voice needs to be heard ... 1-800- Shreya (Nayak) is a call away. Read up about her and be inspired. If you think that’s it... yo Amchi’s we have one of our own contributions to the Canadian Armed Forces. A proud moment for the Sthakekars and indeed to all of us at the OKA with Nikhil Sthalekar. Read about him inside as well. This edition of E-Samachar will not carry our trademark signature Konkani recipe. I know, I know Neeta- Murali May be saying Kassale maharaya.... Jhavan ani Konkani go together. So for them and you all Allambe bhutthi is coming to town next ESamachar. The singing Kokke birds have now turned Culture Criminals. A small sneak preview of this was seen by all at the Deepavali event where Rathnakar Maam’s Dance steps are putting my nimble moves to shame. What can I say, Shivdas Maam - Sadanand Maam were galavanting too aka Disco Estyle. More details about Culture Criminals are posted inside. Arvindu- Jayesh- Srikant : Orchestra at Sagan was a freebie trailer ... so tickets ghevnu bhittari yevka. This EC juggernaut rolls on. As many of the OKA snow birds have flown to India the rest of us are standing guard protecting the Far North. Lastly wonder why the Coyotes of ERIN, Ontario were howling their hearts out yesterday. and the Raven Kylo’s were cawing... (just saying) Ek hooona hoona kaapi ani bhajjile kajubi ghevnu read this months’s E samachar…. Niranjan Kamath

INSIDE THIS ISSUE

Editorial ..............................1

President’s Message ...........2

Timeless ..............................3

Young Turks of OKA ..........4

My OKA Grooming .............6

Gender Inclusion in the Digital Economy .............................7

Captain Nirmal N Sthalekar………………………….9

Culture ................................11

Diabetes Seminar….……..….14

Estate Planning in the Cyber Age ......................................15

Obituary…………………….17/18

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Volume XII Issue Dec - 2018

EDITION

Dear OKA family, Namaskaru!

You must all be reliving our bright, Jagamag Deepavali celebrations, through our YouTube and Facebook links. Thank you to all our members, who opened up their hearts and homes for the hours of practise that culminated in the wonderful programs. Thank you to our sponsors, who made it possible to keep our costs within reach, as we published and distributed our biennial directory this year. And thank you to our fantastic Executive Committee who worked tirelessly behind the scenes! In our 30th year, it is great to see how the vision of our founding members has resulted in a vibrant and sustaining Konkani Association, and our members – adults and youth alike – reach greater heights in their chosen profession and/or hobby. It was a proud moment for parents and families of the thirteen students recognized for either entering or graduating from recognized universities. We are indeed fortunate to have exemplary role models for our youth right within our Konkani community – including our Jagmag Deepavali key note speakers Dr. Abhaya Kulkarni and Amol Rao, to our young achievers featured in the current eSamachar - Captain Nirmal N Sthalekar and Shreya Nayak. Congratulations, Captain Nirmal and Shreya, and all the best from the OKA family! At Jagmag Deepavali, we all experienced a sneak peek of the much awaited OKA 30th Anniversary special – a Bollywood musical treat “Timeless” by our very own talented team – the Culture Criminals, on February 9, 2019. Looking forward to meeting you all at this foot tapping event!!!

Wishing you all Happy Holidays and a Very Happy New Year 2019!!

Vinaya & Gurunath Pai, President Ontario Konkani Association

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PRESIDENT’S MESSAGE

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YOUNG TURKS OF OKA...

Students entering University since Diwali 2017

Name University Details

Neha Kamath Western University Pursuing her honours in Medical Sciences

Deeksha Nayak Carleton University Pursuing her Bachelors of Public Affiars and Policy Management

Mridvika Malebannur

University of To-ronto Pursue a degree in Management and Accounting

Aparna Udiaver Western University Pursuing her undergraduate program in General Sciences

Naomi Tallur Western University Early Acceptance Richard Ivey School of Business Management

Students graduated from University since Diwali 2017

Name University Details

Kaushik Baliga McMaster Univer-sity

Majored in Psychology, Neuro Science and Behavior, with a specialization in Mental Health. Kaushik is now accepted at University of Sydney for Doctor of Medicine.

Sanjana Kamath McMaster Univer-sity

Graduated in Life Sciences and is now accepted at AUC Medical College, St. Marten

Madhu Rao Waterloo Universi-ty Into Environmental Sciences

Malika Ganguli Trent University Biology, specializing in Health Sciences. Mailka is accepted at Ross Medical School, Barbados

Devdutt Kamath Western University Graduate in Bachelor of Science Honours Program, Biology Major and pursuing Masters at University of Guelph

Ravish Kamath York University

Bachelor of Fine Arts with Dean's Honour Roll. Ravish is now doing one year Music Composition Program with Sheridan College where he creates music for animated movies for Pixar Presentation

Mitali Prabhu Centennial College Marketing Management and International Business Management

Vignesh Prabhu Centennial College Electromechanical Engineering Automation & Robotics

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Some of the students’ thoughts on what the Ontario Konkani Association meant to them, and how they would like to give back to the Konkani Community. Neha Kamath There are many aspects of my life, that are of great importance to me. Excelling in my academics with honors, staying fit, playing for sports teams, giving back to my community, spending time with my family and cooking them different meals, including the most basic Konkani meal without setting the house on fire. Through all this, I have become a well-rounded person, who not only values school but also my roots and cultural background. Ever since I can remember, the OKA community has been an integral part of my life. From Diwali dances to shlokas at Ugadi, they have all helped me understand my rich heritage and gain a sense of belonging. Although strenuous at times, I found happiness in giving back to my community. It helped me grow as a caring and confident person. I’ll always be grateful to OKA and want to give back by helping both our seniors and youth. Planning programs where we can give back to the community, teambuilding activities or workshops to network. As an OKA youth coordinator, I have been involved in the past, and I hope to be just as involved in the future of our community as well. Deeksha Nayak OKA, previously known as KAO, had always been what I considered my roots, when I had just moved into this country as a six year old. My initial impression of Canada was actually through OKA where I met friends my age and felt reassured knowing that I have a piece of home in a place I was not confident of and knew nothing about. To many people, OKA may have been an organization where they attend events when they miss India, but to me, it was much more than that. Through OKA, I got rid of my stage fright, met my current friends, and pursued dancing, singing and speech writing - talents I was not even aware I had. With all these life lasting opportunities OKA has granted me, I feel anything I do will be insufficient. However, I intend on continuing my journey in the OKA community by giving feedback to my younger brother when he becomes a youth coordinator and express my support towards the organization. I also intend on becoming part of the OKA committee once again, except this time playing a more experienced role like entertainment coordinator, vice president...or maybe even president one day. Go Neha- Deeksha, go after your dreams. You will certainly realize them

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MY OKA GROOMING

By: Aparna Udiaver It’s that time of year again- back to school! Except this time, for me, I’m heading off to university. Graduating high school and moving on to any form of higher education is a very significant rite of passage that occurs in the lives of many teenagers, and often brings about many emotions for both the parents and the student. As I am writing this, it is the day before I leave home and create my own “dorm sweet dorm” at Western University in London, Ontario, which is about 2 hours away from my home. Although I still am very excited to start this new chapter of my life, as I was packing my belongings these past few days, that sheer excitement of having a newfound independence is now turning into more of a bittersweet feeling. I have been an active member of the OKA community for as long as I have memories, and is one of the main causes of my bittersweet feeling towards going to university. I remember when many of my childhood OKA friends who were older than me left for university, it was very sentimental to see them all grown up and going in different directions to pursue their respective passions. Now that I am in the same boat as them, I can’t help but remind myself of this quote I once read, “families are like branches on a tree. We grow in different directions yet our roots remain as one.” To me, the OKA community is like one big family and no matter where we all go in life, we will all have the same fond memories and values engrained in us that are basically our “roots”, which can never be taken away from us. If I were to list all the great memories I have from OKA, the list would truly be endless, but all the way from practice sessions at Earl Bales for the 2006 Konkani Sammelan, performing at countless Dandiya/Diwali/Ugadi functions to becoming youth coordinator, in addition to having loads of fun, I’ve gained an immense number of skills that will serve me well into this next phase of my life. For example, through performing group dances from a very young age, I have learned to overcome stage fright and be more confident in front of large audiences. In addition, being a part of the committee has taught me a lot about working effectively in teams, how to delegate the work, and the importance of giving back to the community. All in all, I am very grateful to be part of such a wonderful organization, and I really hope the younger generation gains as much (and perhaps even more) out of OKA than I did! Looking forward to meeting everyone at future OKA events!

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SHREYA NAYAK ON GENDER INCLUSION IN THE DIGITAL ECONOMY

OCTOBER 18, 2018 by SEE GIRL WORK

Shreya Nayak, Protégé, Digital Literacy Advocate and Winning Future Leaders Connect member, joins International Dignitaries in the UK to talk Leadership. Canadian Management Consultant, City of Toronto Protégé and Digital Literacy Advocate, Shreya Nayak works with the world’s largest fortune 500 companies, while also increasing female participation in politics and bringing digital skills to communities and small businesses across North America. Shreya is a recent graduate with distinction from Trinity College, University of Toronto St. George Campus with a bachelor’s degree in International Relations. She worked extensively in bringing participatory budgets to communities in Toronto and actively advocates for increased female participation in the technology industry. Recently, Shreya was one of two winners from Canada selected to travel to the UK for the British Council’s Future Leaders Connect program. “I was selected into the British Council Future Leaders 2018 Cohort because of my policy vision to increase gender inclusion in the digital economy through education.” Future Leaders Connect offers its members the opportunity to be part of a long-term global network of emerging policy leaders. Members travel to the UK for nine days of advanced policy and leadership development in partnership with the University of Cambridge.

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Each individual in the program was selected based on their vision for improving their country through policy and their potential to be a senior leader in the future. “My insatiable need to increase gender inclusion in the digital economy stemmed from my personal experiences working in the industry and witnessing, first-hand, the importance of equipping girls and women with digital skills.” Shreya recently reflected after completing Future Leaders Connect training in Mexico City. Outside of her full-time management consulting role at Accenture, Shreya was recently named the 2018 City of Toronto Protégé, a position granted to nine Canadian women who have displayed remarkable commitment to sustainable city development. As a Protégé, Shreya works with Canadian politicians and high schools to encourage girls to pursue careers in STEM (science, technology, engineering and mathematics). Shreya also promotes bilateral and cultural understanding between youth in Canada and Asia as the Youth Council President of the Asia Pacific Foundation of Canada. Shreya envisions a future where gender equality in the global workforce is a reality and equal female representation in technology and digital workforce is no longer a dream. “Leadership is within all of us, we just have to realize it, and act on it.” The 2018 Future Leaders Connect members participated in an evening of debate and conversation in London with Prince Zeid bin Ra’ad Zeid al-Hussein, former United Nations High Commissioner for Human Rights and Louise Arbour, UN Special Representative for International Migration and former United Nations High Commissioner for Human Rights. Also, in attendance were dignitaries from The Elders, an independent group of world leaders founded by Nelson Mandela in 2007, working together for peace, justice and human rights. Applications for the next Future Leaders Connect will open in March 2019 at https://www.britishcouncil.org/future-leaders-connect/apply

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CAPTAIN NIRMAL N STHALEKAR

Recently awarded the top student award in the Forward Ob-servation Officer course

A Forward Observation Officer (FOO) is responsible for directing artillery and mortar fire onto a target, and may direct naval gunfire, or be a Forward Air Controller for close air support. The aim of the FOO course is to prepare officers for deployment as a FOO within the Royal Regiment of Canadian Artillery and within the Combat Team environment.

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It is a very demanding and intensive course that focuses on the ability of the FOO to advise the Supported Arms Commander in matters of fire support as well as the coordination and employment of indirect weapon systems. This course is an important step in the progression of an Artillery Officer and is generally the next phase of training after deployment on the Gun line. The course is vital in the development of the candidates' technical, tactical and leadership skills as a member of the combined arms team. Candidates train in an Indirect Fire simulator and in the field on live fire exercises, where they experience training designed to simulate real life observation posts that they will occupy on future operations. This course is designed to give candidates the skill set and confidence required to direct both lethal and non-lethal effects during any operation where the Canadian Armed Forces are deployed.

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CULTURE

Mulky An interesting piece of history you may not have known There is place called Mulky in Dakshina Kannada district, halfway in between the Mangaluru-Udupi Highway. Mulky has several historical temples. Apart from the Durga Parameshwari Temple build by a stranded Muslim some 800-years who, Mulky is also famous for the 500+ years old Shri Venkataramana Temple, where Shri Ugra Narasimha is the main deity.

HISTORY:

Mulki happened to be the capital of a small kingdom of Jain rulers called “Savanths”. Standing on the banks of river Shambhavi, close to the Arabian sea, the Mulky town boasts of one of the most prominent temples of GSB community. On the eastern part of Mulki facing East is our Shri Venkataramana Temple located in an area called “Vola-Lanke” which if literally translated into English, means the “Inner Lanka”. The presiding Lord of this Temple Lord Ugra Narasimha is popularly known as Volalanke Ugra Narasimha or Volalankadisha. Why is this place called as Volalanke? The Sthala Purana says that Lord Hanuman on his way back carrying the mountain of herbs mistook this beautiful locality for Lanka and started descending. But soon he realised that this is not Lanka and therefore at once ascended and resumed his journey calling this as Volalanke. The word Mulki is actually derived from “Moolikapura”. Moolika – means medicinal herbs. This place was quite famous for the Ayurvedic herbs and roots of medicinal properties prompting people to name it Moolikapura. People say that a few herbs had fallen here in Mulki from the mountain of herbs that Hanuman was carrying and hence the herbs and medicinal plants grew here naturally. The temple was originally consecrated as “Vittala Gudi”. On invitation from the Jain rulers around 13th century. Only 5 GSB (Gaud Saraswat Brahman) families from Bhatkal (much before Islamization, where majority of locals speak GSB Konkani even today) came and settled down in Mulki. The Vittala idol belonging to the “Vatsa Gotra” family was installed in a small temple and called as the Vittala Gudi. This is believed to be sometime in the 13th century. Later more families came and settled in Mulki and made it their home.

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Sometime in early 16th century (about 500+ years back) because of some political upheavals in Karkala, there was threat to the Shri Venkataramana Temple of Karkala. Karkala is famously known as "Padu Tirupati". In order to protect their beloved Lord Venkataramana’s Idol the people of Karkala secretly carried the idols and hid them in a well in Mulki Vittala Gudi. After sometime when normalcy had returned at Karkala they came to Mulki to retrieve the idols from the well after a few years. But however much they tried they could not find the idols in the well. Disappointed, they returned to Karkala. Much to the delight of Mulki people they could find the idols when they searched for it. Mulki people claimed that since Karkala people had not found the idols and they had found it – it shows that the Lord wants to stay back in Mulki. People from Karkala were very much disappointed and worried and did not know what to do. The Lord appeared in a dream to them and said that they should go back and one Sanyasi will give them an Idol of Lord in Karkala itself in a few days. People of Mulki happily consecrated the idol of Lord Venkataramana in the Vittala Gudi and the Vittala Gudi became – Shri Venkataramana Temple Mulki. TODAY: After 500+ years, the local Mulky GSBs were pleasantly surprised through the ‘Darshana Patri’ that the well is still there in the temple premises and he showed the exact spot. People prayed to the God almighty Ugra Narasimha, after seeking his approval started digging the 1-2 feet thick concrete ground at the exact spot directed by the ‘Darshana Patri’ when he was on Avesha (invoking God in his body) and people started digging. Voila, a beautiful small well was found, in which the original Venkataramana Murthy of Karkala was hidden in this well and later found by the Mulky GSB some 500+ years ago!! The presence of this well was completely forgotten all these years, till God revealed the spot thru the Deva-Darshana. These facts are beyond any science or reasoning and only a true Bhakta can feel and resonate with this marvel. No sonar was used.

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Ugra Narasimha in Mulki is indeed unique in many respects: Lord is Astha Bhuja – 8 armed Lord is Trinetra – 3 eye Lord is standing on one leg Lord is Ugra – he is depicted slaying the demon Hiranyakashipu with his nails (Nakhashtra). Usually Lord will be accompanied by either Goddess Lakshmi or Prahlad. Here they are not there. Lord is holding the intestines of Hiranyakashipu and wearing it as a garland. Lord has Brighu Lanchana on his chest Lord has a very beautiful Kamala – Nabhi Kamala Lord is holding Chakra in one of his right arms and Shankha in one of his left arms. The impression on sandalwood paste of the Chakra is given as Abhaya Hasta Prasdam in the Temple. This is usually worn by people in silver lockets for protection. {Source: Recounted by a friend whose home I had visited earlier}

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DIABETES SEMINAR - A GREAT SUCCESS!! The Diabetes Management seminar cohosted by OKA and SVBF in collaboration with the South Asian Diabetes Chapter of Diabetes Canada on Sunday October 21, 2018 at the SVBF Community Centre in Etobicoke was a great success. The program covered informative topics including Diagnosis and Clinical Course, Treatment of Disease, Holistic Approach, Lifestyle Intervention for Diabetes Prevention and Management, Healthy Cooking for Diabetes and Community Resources for Preventing and Managing Diabetes. The speaker panel consisted of six highly qualified speakers: Dr. Shakkeela Kunjummar a Family Physician specialized in Diabetes, Dr. Nisha Nigil Haroon an Endocrinologist specialized in Diabetes and Osteoporosis who is also an Assistant Professor at the North Ontario School of Medicine, Veena Shanbhag a Pharmacist, Certified Diabetes Educator and a Certified Yoga Teacher, Shabnam Jabrani a Registered Dietician and Certified Diabetes Educator, Siva Swaminathan a Chef, Educator, winner of numerous awards, Cofounder and Executive Chair of South Asian Diabetes Chapter of Diabetes Canada and Baredu Abdulshekur, Registered Nurse and Certified Diabetes Educator. All six speakers were of very high caliber. Everyone enjoyed their presentations and felt that each speaker had very important and useful message to take home. Speakers had so much to say and the participants wanted to hear more. At the end of the day, there were over 80 written questions. The speakers are now busy trying to answer them. SVBF provided the hall and food both were excellent. Even the speakers were quite impressed with the facility. Dr. Param Bhat of SVBF made all the arrangements which gave the professional/business look to the hall. The attendees are truly thankful to Param. Attendance was excellent but could have been much larger. Before the seminar, 102 had registered, 6 of whom dropped out. However, there were quite a few drop ins, total attendance was estimated to be around 110. Of the preregistered, 42 were from OKA, 28 were from SVBF, 13 were from Marathi Mandal Seniors Group, 6 speakers and 7 were from Rexdale Community Services and South Asian Diabetes Chapter. Sudhir Nayak and Ulhas Kamath at the Registration desk, Gurunath Pai at the projector and Mahesh Nileshwar at the PA system ensured the smooth running of the seminar. Suvarna Mankikar took care of tea and snacks as the attendees arrived and made sure in general everything was moving well. Shivdas and Sheetal Pai, Nandan Shanbhag, Vinaya Pai and Nandini Bhat extended their helping hand whenever and wherever needed. Displays of highly useful material by Belen Victoria, Dr. Nisha Nigil Haroon and Diabetes Canada added a special touch to the event. Most of the speakers and the attendees have already shown interest in follow up sessions. I hope leadership of the larger organizations like Bharati Kala Manram, Kananda Sangh and Marathis Bhashik Mandal will actively participate in the future sessions and help their membership learn more about Diabetes so that they can help their children/youth take necessary precautions and those with diabetes manage it and continue to live a healthy and happy life. There are quite a few experts, social workers, doctors, scientists, pharmacists, educators and other health care workers in our communities who are standing by to help our community. In future, we should be able to hold information sessions, on other topics of importance, such as Parkinson Disease, Alzheimer's, Dementia, Mental Health, Heart & Stroke, Hypothyroidism, Osteoporosis etc. If those who attended the Diabetes seminar found it informative and useful are requested to tell the others so they will consider attending the future sessions. Any help in getting sponsorship will be very much appreciated. In order to make these sessions feasible and affordable we may have to invite members of other Indian organizations. Efforts will be made to give the OKA members opportunity to register ahead of others and it is hoped that our members will take the advantage

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ESTATE PLANNING IN THE CYBER AGE

With more and more Canadians conducting their daily business online – from banking and business meetings to shopping and hailing a cab – it should be no surprise that digital assets are

increasing. According to Deloitte Canada, the average Canadian has $1,000 to $2,000 in value stored online. Deloitte estimates that by 2020, the average Canadian will accumulate $10,000 worth of digital assets over a lifetime.’ Most people are aware of the importance of creating an estate plan that includes bank and investment accounts, real estate and other property. Digital assets are often overlooked but, as Canadians’ digital wallets grow, these considerations will grow in importance. If left unaddressed, family members may find it difficult (or even impossible) to access your digital accounts and information, leading to possible financial costs, the loss of items with sentimental value and even identity theft. That’s why it is essential when creating an estate plan

to outline instructions that grant a trusted person the power to access and handle your digital assets in the event of incapacity (during your lifetime) or upon death. WHAT IS A DIGITAL ASSET? A digital asset is any information about you or created by you that exists in electronic form. These assets include a wide variety of accounts and information, which may or may not have a monetary value.

Hardware Physical devices that hold data include laptops, smartphones, tablets, e-readers, digital cameras and digital music players. Hardware also encompasses any external hard drives, flash/USB drives, and SD cards or disks used for storage or backup.

Data Consider all those files (documents, music, photos, videos, e-books) stored on your devices or in a cloud-based data storage account. In the case of a downloaded song or book, you’ve purchased only the license to use it rather than purchased a copy outright. But other files – photographs, artwork, poetry, videos or any other intellectual property you have created – constitute part of your digital estate.

Email, websites and social media accounts Your email and social media accounts contain a lot of information about you – personal details, contact lists, electronic messages and photographs. The contents may have sentimental value or might simply need to be closed after your death to prevent hacking or fraud. Websites, personal blogs and domain names, whether they produce income or not, should also be considered.

Accounts with stored value Many Canadians hold virtual accounts that have stored financial value, such as PayPal and Bitcoin. Other accounts to remember include those associated with credits or rewards, such as loyalty programs, credit cards with cash-back rewards, gift cards, online 1 www.theglobeandmail.com/globe-investor/personal-finance/what-to-do-about-online-accounts-and-assets-after-death/ article14024031

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shopping accounts and even video games.

Business-related digital assets If you own or are a partner in a business, clear instructions on the treatment of business-related digital assets, such as email accounts, websites and business data, will help to ensure continuity after your death or upon any incapacity during your lifetime. If the business has any patents or other intellectual property (copyrighted materials or trademarks), these can constitute digital assets as well. Keep in mind that any power of attorney or will that you prepare should be consistent with other documents that govern your business relationship(s).

HOW TO GET STARTED The first step to getting your digital estate in order is to take inventory. List all your digital as-sets and how to access them – the physical location or website associated with them, any ac-count numbers or usernames, and your passwords.

Next Step, figure out what you want done with your digital assets. Should an email account be disabled? Are there photos to pass on to loved ones? You may want to consider transferring administrative rights to a website domain to someone else. Perhaps there is monetary value that needs to be distributed. An attorney/representative (in the event of incapacity during your lifetime) and a trustee (appointed pursuant to your will) should be assigned to manage your digital accounts according to your instructions. This could be the executor of your existing will, or you could ask a different person to handle your digital assets specifically. You may want to designate different people for different assets (for example, if you have both personal and busi-ness digital assets to be disbursed).

Finally, store these instructions in a secure place. At some point, passwords for your digital assets must be provided to your attorney/representative or trustee to allow them appropriate access. In some cases, website administrators may refuse access without the username and password. However, care needs to be taken to ensure passwords are secure. Keep sensitive information in a lock box or safety deposit box, with your lawyer or in another secure location. Passwords should not be included as part of your will because, if probated, they become pub-lic.

With so much taking place online, digital accounts and information need a place in the estate planning process. Speak to your advisor and a lawyer to help create a compre-hensive estate plan that includes all your assets – digital and otherwise.

Sunil Heda, CPA (US), is an Investment Advisor with Manulife Securities Incorporated and Life Insurance Advisor with Manulife Securities Insurance Inc. This article is for information purpose only. Sunil Heda can be reached at 416 571 0369 (cell)/905-605-7400, sunil.heda@manulifesecurities.ca or www.sunilheda.com

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OBITUARY

We receive with great sorrow the news of Smt. Shobhalaxmi Shenoy (mother of Deepa and Sujata Nayak) leaving for her heavenly abode on November 22, 2018.

The Vaikunth Samradhane was held on December 4, 2018 in Mumbai. Please join us in praying for the departed soul. Our heartfelt condolences to Dr. Sudhir and Dr. Vinutha Shenoy, Deepa and Shashikant Nayak, Sujata and Srikant Nayak, and

grandchildren – Sharan, Upasana, Deeksha and Sathyen.

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OBITUARY

K DEVADAS SHENOY

22nd January 1933 6th October 2018

Mr. K Devadas Shenoy Passed away unexpectedly in Markham, Ontario Canada

His sudden passing is deeply mourned by his wife Smt. Lakshmi Shenoy; his children and their families. Divakar & Roopa Shenoy, Vasanthi and Ramesh Shenoy (Bangalore), Kumar and Smitha Shenoy (Mangalore), his grandchildren Vignesh, Abhay, Uma, Rajesh; as well as their extended family and friends. He peacefully passed away in presence of his wife, son, daughter-in-law and with his youngest grandson in Canada. Born to Ramachandra & Devaki Shenoy in Karthattu, Southern Karnataka, he was loved by all his family members and his two sisters. He worked in Hotel Dasaprakash Group spanned many offices in Chennai, Ooty, Coimbatore. After glorious and dedicated career for more than 35 years, he retired in 1994 and settled in Bangalore. Devadas Shenoy was endowed with a versatile personality and he made the best use of his talents in his professional and personal life. He was very humble who would always put family first. He had a great love for God and would spend hours praying, He found happiness in the small things in life, surrounded by books and the people who loved him. He would always donate to charities and temples to the best of his abilities. For many, he was inspiring role model who supported social causes and lived life to the fullest. He will be greatly missed and fondly remembered.