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The Ghanaian News September 2012 1

Vol. 16 No. 9 September 2012 Display Advertising : 416-916-3700 / Classified Advertising: Fax: 416-916-6701

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The Banquet & ConventionCentre at 65 Claireport Cres-cent, Etobicoke, Toronto-Ontario was the scene of ex-citement and celebration of ex-cellence when 34 deservingmembers of the Ghanaian-Ca-nadian community in Canadawere honored at a glitteringevent. This was the 12th edi-tion of the Ghanaian-CanadianAchievements Awards Night.The night started with a sump-tuous dinner after which thehosts of the event, Dr. MichaelBaffoe and Yvonne FosuAdomako Kuffuor were intro-duced by Joe Kingsley Eyiah,Assistant Editor of the Ghana-ian News. Prayers were of-fered by Pastor Ebow Bonnie,a retired Minister of the Sev-enth-day Adventist Church,Ghana. Renditions of the Gha-naian and Canadian nationalanthems were done by Ms.Lucy Crentsil, who was alsoherself a recipient an award in

the Gospel Music category.Emmanuel Ayiku, the Publisher/Editor of the Ghanaian News inhis welcome address, stressedthe fact that, “excellence comesin many forms and knows noboundaries, of race, age, beliefor perception”. “Humanity”, hecontinued “is capable of greatthings and everyday we are allamazed to see the lengths towhich people will go to achievetheir dreams, to better them-selves and others and to makepositive impacts in their commu-nities and the world aroundthem.”.He used the opportunity tothank the community and spon-sors of the event for their con-tinuous support since the incep-tion of the Awards by the Gha-naian News Team twelve yearsago. However, he regretted theapathy among some quarters ofour community and implored allto put their efforts together tobuild a stronger community.

Ghana’s Consul General inToronto, Kodjo Mawutor readgreetings on behalf of the HighCommissioner-Designate toCanada, H.E. Samuel Valis-Akyianu. His Excellency Valis-Akyianu used the occasion toremind Ghanaians in Diasporaof the upcoming general elec-tions in Ghana. He asked all topray for peaceful elections. Hesaid, “Our country has earnedan enviable reputation in Africaand indeed the world at largefor her commitment to free, fairand orderly elections and we allhave a duty in ensuring that thisreputation is solidly protected.”The guest speaker for the func-tion was Dr. Martin La- Kumi,a Dental Surgeon in Toronto andOkuapemanhene of Toronto.He proudly congratulated theGhanaian News for institutingsuch a program to honor Gha-naian-Canadians, and commu-nity groups domiciled in Canadafor their special contributions.

34 Ghanaian-Canadians Honored in Toronto

A leading member of the Gha-naian community in Toronto,Dr. Martin La-Kumi, a Dental

Surgeon who is also theAkuapemfohene of Toronto, hascharged members of the com-munity to identify the naturalgifts they possess, roll up theirsleeves and provide services toimpact humanity.Delivering the Keynote speechat the 12th Annual Ghanaian-Canadian Achievement Awardsceremony in Toronto on Sep-tember 23rd, 2012, Dr. La Kumiproudly congratulated The Gha-naian News for instituting sucha program to honor Ghanaian-

Identify and executeyour natural gift

to impact humanityDr. Martin La Kumi charges

Ghanaian-CanadiansBy: Dr. Michael Baffoe, Toronto

cont'd on pg. 7cont'd on pg. 7

Group picture Award recipients with dignatries, organizers and sponsors

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2 The Ghanaian News September 2012

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The Chairman of the Af-rican Green RevolutionForum (AGRF), Dr KofiAnnan, has called on Af-rican leaders not to becomplacent despite thesuccess chalked up in thearea of agriculture in therecent past.He said it was time Afri-can leaders upheld theirpart of the bargain by in-creasing investments andencouraging public privatepartnerships to ensurethat all farmers, large andsmall, contributed to en-suring food security on thecontinent.“We cannot afford to losethe momentum in ensur-ing food security now andaction is required from allgovernments on the con-tinent and every partner toachieve this,” he said.Dr. Annan, a formerUnited Nations SecretaryGeneral, was addressingthe 2nd African GreenRevolution Forum inArusha Tanzania Thurs-day.He said African govern-ments must help farmersto expand their farms andto treat their farms asbusinesses.He indicated that throughthe Alliance for a GreenRevolution on Africa(AGRA) seven countrieshad been reached with330 new varieties ofcrops while 380 hectaresof land had been rejuve-nated in the last threeyears.Dr. Annan said Africacould transform its agri-cultural sector signifi-cantly, if their leaders col-laborated with the rightpartners adding that stra-tegic change would onlyoccur with result orientedpartnerships.Tanzanian President,Jakaya Mrisho Kikwete,

blamed African leadersfor not doing enough toensure adequate invest-ment in agriculture.He noted that many Afri-can countries had failed toimplement the 2003Maputo Declarationwhich enjoined them tocommit 10 per cent oftheir budgets to agricul-ture leaving the sectorundeveloped.Opening the ongoingAGRF, PresidentKikwete said though Af-rican leaders knew whatthey needed do torevolutionalise agricultureand help change the for-tunes of millions of Afri-cans whose lives de-pended on agriculture,they had not done that.He said: “We know whatneeds to be done, we aredoing something about itbut we have not doneenough to support the de-velopment of agriculturein Africa.”President Kikwete said ifAfrican leaders did notinvest in agriculture, themuch taunted agriculturaltransformation would belike “a song without danc-ers.”

He said it was time forAfrican leaders to adoptmore effective ways ofgrowing and developingagriculture on the conti-nent to promote food se-

curity, enhance nutritionallevels and create betterliving conditions for thepeople.

President Kikwete indi-cated that though mosteconomies in Africa reliedon agriculture, the sectorremained backwardcharacterised by tradi-tional methods of farming,low use of improvedseeds, fertilisers and lackof financial credits.He said it was disturbingthat despite the fact thatabout 70-80 per cent ofAfrica’s population wereinvolved in agriculture,only five per cent of allarable land was irrigatedin Africa.Also he said Africa usedonly 10 per cent of theworld’s fertiliser.The re-sults, he said, had beensmall farm sizes, lowyields, low income andpoverty.He said it was not surpris-ing that about 239 millionof the continent’s peoplewere food insecure.President Kikwetestressed the crucial needfor African leaders to helpscale up investments inagriculture by investing inirrigation, increase sup-port for research and ag-ricultural developmentand support mechanisedagriculture.He called on leaders to beresponsive to the needs ofall farmers, especiallysmall holder farmers, toreduce poverty and hun-ger and enhance livingstandards.The President of theAGRA, Ms Jane Karuku,noted that misguided poli-cies and neglect had af-fected the development ofagriculture in Africa andstated that the AGRA wascommitted to working tounlock the potentials in the

agricultural sector of Af-rica.She said subsistencefarming should not beseen as an acceptableway of farming and thatthe AGRA continued toprovide improved seedsand technical support, par-ticularly for small holderfarmers to improve theirproductivity and profit-ability and integrate theminto competitive markets.Ms. Melinda Gates, Co-founder and Co-Chair of

the Bill and Melinda GatesFoundation, said therewas the need to improveagriculture in Africancountries if they wantedto see a change in the livesof its people.Over 1,200 stakeholdersin agriculture, including 14heads of state, 23 minis-ters of agriculture, agri-business entrepreneursand farmers are attendingthe forum in Arusha Tan-zania.The AGRA is an initiative

of the Rockefeller Foun-dation and the Bill andMelinda Gates Foundationto help promote food se-curity on the continent.The three-day forum be-ing held on the theme:“Scaling Investment andInnovation for SustainableAgricultural Growth andFood Security would dis-cuss effective ways toensure food security onthe African continent.”Daily Graphic

Invest More In AgricultureDr Kofi Annan Urges African Governments

Dr. Kofi Annan


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KEEPING YOU IN TOUCHWITH NEWS FROMHOME AND LOCAL

COMMUNITY ISSUES

Publisher / EditorEmmanuel Ayiku

Contributing EditorsDr. Michael BaffoeJoe Kingsley Eyiah

Director of OperationsComfort Ayiku

Community ReporterJonathan Annobil

Winnipeg BureauDr. Michael Baffoe

EDITORIAL

EDITORIAL

Articles appearing invarious columns of the

Ghanaian News areintended to generate

civil and informed public discussions. You

do not have to agreewith opinions ex-

pressed by the writers.That should encourageyou to write to expressyour own views. This is

the way we generatelively and civil discus-sions in the community.

Rejoinders are notforums for personalinsults and we wantreaders to adhere to

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Opinion/ Commentary

By: Kwabena Akuoko

Political conventions areimportant facets of elec-tion campaigns, andamong other things, theyprovide a medium for dis-cussing important issuesin a party’s policies. Ac-cordingly, both the UnitedStates’ Republican Partyalso known as Grand OldParty (GOP) and theDemocratic Party hadtheir respective 2012 Na-tional Conventions inTampa, Florida and Char-lotte, North Carolina onAugust 27 - 30 and Sep-tember 3 - 6 to supposedlydiscuss their competingplatforms for the Novem-ber 6 election. While the Demo-cratic National Conven-tion (DNC) impressivelydefended the Obamaadministration’s economicrecord with statisticalfacts, the Republican Na-tional Convention (RNC)conveniently distorted thefacts for political advan-tage. The RNC was alsounsurprisingly the bastionof anti-Obama. Calcu-lated misrepresentationsof realities were not inshort supply at GOP’sgathering. Such perver-sions of facts and anti-Obama pronouncementsin my view reflect the de-terioration of civic dis-course in the UnitedStates lately. Instead ofgenuine discussion of is-sues in its platforms, theGOP resorted to bare-faced distortions about theObama administration atthe Tampa Convention. The Republicans’negative attacks againstPresident Obama was notsurprising because sinceassuming office in Janu-ary 2009, the president hasmostly been at the receiv-ing end of his political op-ponents’ constantdemonization. Uncon-cealed fabrications of is-sues and name-callinghave dominatedAmerica’s political dis-course since PresidentObama took office andthe president has for in-stance been consistentlycalled socialist, a weakleader and even “un-American” by his politicalfoes. GOP’s ridiculousstatements coming fromits Tampa conference but-tress the notion that manyAmericans are yet to ac-cept the reality that aBlackman is now thepresident. That theirWhite House or Oval Of-fice is now occupied bynone other than an Afri-can American is difficult

for many Americans toaccept. This in my per-spective partly explainsthe persistent personal at-tacks against Mr. Obamaby his political opponents. Republicans have ex-pediently refused to ac-knowledge that there is adirect correlation betweenthe lingering global reces-sion and America’s se-verely weakenedeconomy, which beganunder their watch severalyears ago. While theObama administration hasdone everything possiblesince early 2009 to rescuethe American economyfrom the brink of collapse,the president has not beencredited for his efforts.The GOP congressionalleadership has unabatedlyand calculatingly spreadfalsehoods about Presi-dent Obama’s economicpolicies. Blaming Obamafor United States’ eco-nomic woes, which wereundoubtedly apparent un-der the previous Bush ad-ministration, certainlymakes good politics forthose playing the blamegame. Albeit GOP’s spinshowever, one importantreality stands out. In 2000,the outgoing Democraticadministration underPresident Bill Clinton leftthe economy in a bettershape than he had inher-ited from PresidentGeorge H. Bush (Bush,Sr.) in 1992. The Clintonadministration cleaned upBush, Sr. economic mess,and left a record surplusfor Bush, Jr. It is then in-teresting for the Republi-cans to keep mute aboutturning a record economicsurplus into deficit undertheir watch. It is also de-ceptive and even hypo-critical for the GOP presi-dential nominee, Mr. MittRomney and his runningmate, Mr. Paul Ryan toblame President Obamafor the United States’ cur-rent economic problems. The truth is that failedRepublicans’ economicpolicies in the past underPresent George W. Bushare primarily responsiblefor America’s higher un-employment rates. Is itsurprising that the GOP’simmediate past presidentwas noticeably absentfrom the RNC in Tampa?Similarly, it is ironic for Mr.Romney to continually at-tack President Obama forthe United State’s abys-mal employment recordgiven Mr. Romney’s busi-ness past. As a business-man, Mr. Romney is said

to have engaged in the un-patriotic, but profitablepractices of outsourcing orshipping American jobsoverseas. Interestingly,Romney and Ryan in theirrespective RNC accep-tance speeches in Tampadepicted President Obamaas someone who does nothave any viable plans tostrengthen the economy.Their claim that PresidentObama lacks the courageto make tough economicdecisions is simply untrue.The Republican vice presi-dential nominee’s accep-tance speech was particu-larly deceptive and wasthus promptly described bynone other than a conser-vative analyst and FoxNews’ contributor, SallyKohn as “blatant lies andmisleading assertions”. Contrary to the RNC,which was full of misrep-resentations and the obvi-ous absence of PresidentGeorge W. Bush, PresidentClinton in his keynote ad-dress at DNC eloquentlyoutlined President Obama’seconomic accomplish-ments. And among otherthings, President Clintonaccurately remindedAmericans that PresidentObama inherited muchweaker economy and de-serves credit for slowlyturning things around. TheDNC does not dispute thefact that the unemploymentsituation could have beenbetter. But apart from sav-ing 1.1 million auto indus-try jobs through bailouts,which the Republicanshave not stopped criticizing,4.5 million private sectorjobs have been createdsince 2010 as a result ofPresident Obama’s soundeconomic policies. Republicans intensi-fied their unrelenting at-tacks against PresidentObama at their TampaConvention. They chargedthat Obama has madethings worse for Ameri-cans. But thanks to Presi-dent Obama’s sound eco-nomic policies, the auto in-dustry has been resur-rected and for the first timein decades, the three automanufacturers are collec-tively making profits. With-out President Obama’sbold, but unpopular eco-nomic policies at the gen-esis of his administration,the unemployment situationwould have been a lotworse. Instead of justmerely criticising PresidentObama, the GOP needs totell Americans what Rom-ney presidency would dodifferently to strengthenthe economy.

Political Convention: Forum forDiscussing Party Platforms or

Distorting Facts?The Ghanaian News just hosted a glitteringevent that recognized and honoured aboutthirty-four people in our communities acrossCanada for their excellent achievements invarious fields. These ranged from Academicachievements, successes in Business, nationalhonours, professional excellence and sports.Others were in music, young talents and com-munity involvement. We wish to salute all ourachievers of excellence this year and urgethem not to rest on their oars but keep pad-dling on to even greater heights.There are some important personalities anddignitaries from mainstream Canadian soci-ety: members of Parliament and Legislaturesfrom the Federal and Provincial levels, Mu-nicipal officials, and senior police officers whopatronise this event year after year. Thesepeople have to be commended for their un-flinching support for our community initia-tives.While noting with gratitude and admirationthe participation of some other members ofour community in these events, we also wishto note with regret, the absence of a largenumber of our community members from theseevents year after year. By conservative esti-mates, our community boasts of over fiftythousand people. The attendance of our com-munity members to these yearly events doesnot exceed three hundred! This ties in to thegeneral perception and display of apathy to-wards community events and initiatives bysegments of our community. As noted by ourPublisher in his welcome address at theAchievements Awards, a number of reasonsaccount for the lack of involvement of someof our community members to communityevents.Whatever their reasons may be, we wish tostrongly appeal to our community membersacross Canada to get actively involved in ini-tiatives, projects and programs in the commu-nities in which they live. And as the KeynoteSpeaker at the event also noted, we cannotalways look up to governments to help us. Wemust first help ourselves before asking foroutside support. There are so many initiativesgoing on in our communities and in the main-stream communities in which we live that needour involvements. There are so many areasthat we can volunteer our services and wemust. That shows our commitments to ourcommunities and to our new home, Canada.Volunteer opportunities are open in our com-munity and school libraries, in our hospitals,on community events and projects. You caneven help sponsor a child for some events orschool programs. You can volunteer to teachchildren in after-school programs and you canalso mentor the youth in our community. Ourinvolvements show our roles and stature asresponsible and good citizens. You get to buildand develop networks and support systemsthrough these community initiatives and in-volvements.Let us seize this opportunity to recognize theindividual talents that we have and give some-thing back to our communities and to Canada.It is fun and it is rewarding!

Getting Involved inCommunity Endeavours


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He praised the award re-cipients for their exem-plary contributions to theGhanaian community(even as far back as tomotherland, Ghana) andCanada as a whole andencouraged them to keepup with the good worksas they continue to behigh achievers.Earlier, goodwill messagessent from the followingdignitaries were acknowl-edged; Hon StephenHarper, PM of Canada,Hon Dalton McGuinty,Premier of Ontario, Hon.Jean Augustine, FairnessCommissioner, Hon JudySgro, MP, York West, HonJim Karygiannis, MP,Scarborough-Agincourt,Hon Mario Sergio, MPP,York West, Mayor RobFord, Mayor of Toronto,Mayor MaurizioBevilaqua, Mayor ofVaughan, Chief WilliamBlair, Toronto policeChief, Chief Eric Jolliffe,Police Chief of York Re-gion and CouncilorVincent Crisanti, Ward 1,Etobicoke North.The following dignitaries

were there to personallydeliver their messages:Hon Jean Augustine, Fair-ness Commissioner; Hon.Judy Sgro, MPP YorkWest; Hon JimKarygiannis, MPScarborough- Agincourt;Deputy Mayor ofVaughan Regional Coun-cilor Gino Rosati.; ChiefEric Jolliffe, York RegionPolice Chief; VincentCrisanti, Ward 1Etobicoke North Coun-cilor; and RobertoHausman, President ofPolice Foundation. Mrs.Evelyn Quist recited apoem specially writtenand dedicated to “excel-lence”, the theme of theevent.The thirty-four recipientswere honored in 14 cat-egories, namely, Politics,Religion, National Honor,Technical InnovationCommunity Service, Busi-ness, Cultural Promotion,Gospel Music, Academic,Sports, Professional Ex-cellence, Entertainment,Young Talent and Contri-bution to Music.Superintendent Patience

Quaye of the PoliceGhana Service, who isalso the head of the Anti-Human Traffic Unit, wasacknowledged as a spe-cial guest. Supt. Quayewas one of fewhardworking dignitaries’who were acknowledgedby President Obamawhen he visited Ghana in2009.There was intermittentcultural display byAgartha, a well-knowntraditional dancer based inToronto during the pro-gram.The major sponsors of theevent were Ethiopian Air-lines and Astra Qom. Theother sponsors wereImmunotec, Arrow TruckSales, Bishop Bob Tackie(sponsor of the trophies),Danipa Shanga Law Of-fice, Jason Schwartz andAll Saints University,Royal Dental Care,Lakeside Estate, VoltaDental Clinics, All NationsUniversity, Tree of LifeEmployment.

Canadians for excellentachievements in theirvarious fields of endeav-our. He paid glowing trib-ute to the award recipientsfor their exemplary con-tributions to the Ghanaiancommunity (and even asfar back as to motherland,Ghana) and Canada as awhole. He encouragedthem to keep up with theirgood works as they con-tinue to be high achievers.To the award recipients,Dr. La Kumi advised themto continue to strive forhigher heights and givesomething back to thecommunity that ishonouring them. “We arehonoring you today, butkeep in mind that those towhom much is given,much is expected. Keepup the good works andcontinue to be highachievers so that you willcontinuously become rolemodels whose action willimpact and be emulatedby others especially theyounger generation.

Dr. La-Kumi then admon-ished Ghanaians every-where to contribute theirbest to society. He said,“identify your gift, roll upyour sleeves, execute thatgift and you will impacthumanity one soul at atime.” Turning his admo-nition to the larger Gha-naian community, Dr. LaKumi challenged all to getactively involved in thedevelopment of our com-munity and the larger

34 Ghanaian-CanadiansHonored in Toronto

cont'd from pg. 1

Identify and execute your naturalgift to impact humanity

Dr. Martin La Kumi charges Ghanaian-Canadians

Ghanaian society. “As wecelebrate this success inexcellence, I will admon-ish all of you to adopt aproject or an idea that willenrich ourselves in oursociety. Let us all get in-volved in the enrichmentof our lives in the hugeCanadian mosaic. We donot have to look to the fed-eral and provincial gov-ernments to help us all thetime”.

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cont'd from pg. 1


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Ghana is poised to pro-duce about 500,00 barrelsof oil per day, as the na-tion makes more andmore new discoveries inthe oil sector, the Presi-dent, John Mahama, hassaid.He said the discoverieswould, no doubt, make thecountry a major player inthe hydrocarbon industry.Speaking at a luncheon inNew York organised bythe Business Council forInternational Understand-ing (BCIU), an

organisation made up ofthe power production ca-pacity from 3,000MW to5,000MW if all the oilwells come on board andadded that solar and re-newable energy invest-ment was also welcomed.President Mahama urgedthe investor communitiesto take advantage of thenumerous opportunitiesdotted across the countryto do business. He saidGhana has solid invest-ment credentials, pointingout that aside a peaceful

and a stable environment,the margin of investment

returns were higher.He dispelled the notionheld in certain quartersthat Ghana is only lookingup to China for invest-ments, saying that thecountry is open to invest-ment from every quarteron a win-win partnership.The president stated forinstance that while Chinaprovided three billion dol-

lars to fund criticalinfrastructural projects inGhana under favourableterms, the American gov-ernment also made avail-able 547 million dollarsunder the MillenniumChallenge account.President Mahama indi-cated that Ghana posteda GDP growth of 14 percent last year, the highestin the world and waspoised to becoming one ofthe emerging African eco-nomic tigers.He stated that, the growthwas driven mainly by gov-ernment and stressed thenecessity for the bulk ofgrowth to come from pri-vate sector investments,as the country moves tothe threshold of middleincome status.“We have a high need forinfrastructure,” President

Mahama intimated andurged interested investorsto partner the governmentunder a public-private-partnership, singling outenergy and electricity sup-ply as areas of priority.He said the good newswas that the services sec-tor had overtaken the ag-ricultural sector as themain drive of GDP.In order not to over-de-pend on oil revenues tothe detriment of other sec-tor of the economy, hesaid government was em-phasizing investment inagriculture and agro-pro-cessing.Under a program with theUSAID, he said 150 mil-lion dollars had beenmade available to boostagriculture production inGhana. Ghanaian Times

Ghana to hit half a million barrels - Mahama

President Mahama


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Cocoa has been Ghana’smain economic backboneand Kwame Nkrumah in hislove for Ghana devised thissocialist method of buying allthe cocoa from farmers, sellto overseas companies at aprofit to the nation and usethe money to develop Ghanafor all. Scholarships, waterand sewage systems, roadsand highways, electricity andmost of Ghana’s infrastruc-tures have come out of co-coa.

Under Nkrumah’s CPP, let us remindthose who were too young that corpo-rations and government agencies usedto have their annual and quarterly finan-cial statements published in the DailyGraphic. Even as high school kids someof us used to read and started to appre-ciate what a Profit and Loss or Assetsand Liabilities meant. After all thesecompanies belonged to the public andthe people had a right to know. Today,47 years after the enemies of Nkrumahoverthrew him and dissolved the CPP,and after decades of trying to erasewhatever good Nkrumah did and teachthe school kids to diminish Nkrumahachievements, Ghana is at a global dis-grace. WE have been rated the 9thworst managed nations, even thoughreported to have some of the highestgrowth rate in 2011 and 2012. After 11years of Jerry Rawlings military dicta-torship and transformation to election in1992, nobody had the decency of lead-ership to plan for a Parliament Houseand offices for the MPs.

Ghana has become a nation wheremoney is spent without disclosure andnobody accounts to the people. Planningis also out of the door. No matter weare rated poorly managed. JerryRawlings and his PNDC chants of pro-bity and accountability were mere wordsblowing in the wind and some lost theirlives at the firing squad for that. In themean time, whiles the 275 MPs for thenation of 25 million have no offices inthe last 30 years, there is a call or 45more MPs.

A report posted on the Ghana Leader-ship Forum on Sept.14 by George A.read:“The Ghana Cocoa Board(COCOBOD) has secured a US$1.5billion pre-export finance facility from aconglomerate of international banks topurchase cocoa beans in the 2012/2013cocoa season. The facility is currentlythe largest non-oil deal in sub-SaharanAfrica and was made possible by 31banks from 17 countries in Europe,American and Asia. Some of the banks,including Standard Chartered Bank,Standard Bank and SG-SSB Bank, havelocal presence in the country. The GhanaInternational Bank Plc acted as the ini-tially mandated lead arranger (IMLA)with Standard Chartered Bank as thefacility agent.”

I hereby elaborate on a note I postedand edit and add a few comments. Youall note that anytime Ghana governmentsecures external loans, they don’t givedetail that are standard information inloan transactions in any open societysuch as most Western nation. These are:the loan amount, annual or periodic in-

terest rate, the term(no of months oryears due), whetherit is amortized or in-terest only, and pay-ment amount, andany loan arrange-ment or originationfees. For those notfamiliar with finan-cial calculations, aloan of $1.5 billion at5% per annum pay-able monthly for tenyears will have apayment of $15.91million per month

for the ten years. If the interest goes to10%, the payment jumps to $19.82 mil-lion per month. If payments are deferredfor a year, the amount due become anadditional $190.1 million for the 5% or$237.9 million for the 10% loan. At theend of the 10 years the $1.5 billion bor-rowed at 5% would have become a to-tal of $1.909 billion. The 10 years at 10%would have become a total of $2.379billion.

Loan amortization is not a straight for-ward Arithmetic. It is for this lack ofunderstanding and a combined criminallack of care that Ghana keeps increas-ing in our accumulated debt burdenwhiles there is no appreciable increasein durable roads, asphalt concrete high-ways or Motorways, and water andelectricity are still problems in the mod-ern day even in the cities. It is refreshing to note that 31 Banks in17 countries in Europe, America andAsia would give Ghana loans on thestrength of our cocoa product alone, withno government guarantee. The peopleof Ghana however deserve openness.It can be easily surmised that due tocorruption the government officials al-ways fail to disclose. Past Presidents inthe post Nkrumah era always seem tobe in complicit to this culture called“nkatasoy3” (under-cover deals) in theAkan language. One can guess that forthe $1.5 billion these financiers give us,Ghana will end up paying back an addi-tional $100 million, depending on the in-terest. Within this range from say 2%to10% this will be $30 million to $150million and plenty of room for moneysto exchange hands among officials. Thisis where the massive looting of govern-ment wealth takes place and millions ofdollars go into the pockets of individualsin the government. These people are al-ready on the payroll of Government asexecutives. For God’s sake, why can’tthey be open!

On behalf of the Ghana LeadershipUnion, I hereby challenge theCOCOBOD executives and BoardChairman Dr. Anthony Fofie, and theMinister of Finance Dr. KwabenaDufuor, to start this culture of openness.Please give the public full disclosure asnormally done in the democratic nations,since the money belongs to the peopleof Ghana. The late President Mills (RIP)sat on the Right to Information Act andwe call on President Mahama to sign itnow. Please sign it within the next threemonths before the elections if he is tobe distinguished as a man if integrity.

Dr. Kwaku A. DansoPresident -Ghana Leadership Union (GLU)& Moderator GLU Forum.Contact: [email protected]

Ghana COCOBODWhere is the Truth, the Money

And the Farmers kids’ Scholarships?


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A man experienced chestpain and symptoms of tu-berculosis but couldn’t geta chest x-ray for his diag-nosis.A woman with fibroids,tumors in the uterus, hadher surgery cancelled andfrequented a hospitalemergency room whenshe suffered severe pain.Three young children —two requiring immuniza-tions to attend school andone in need of check-upafter an aorta operation— were turned awayfrom health clinics andunable to see a doctor.These are among dozensof patient cases docu-mented by the CanadianDoctors for RefugeeCare across the country,

three months after thefederal governmentslashed health-care cov-erage for refugees await-ing their chance to be-come landed immigrants.In an update on the im-pact of the $100 millionhealth cuts released, thegroup, made up of healthprofessionals acrossCanada, said the new In-terim Federal Health Pro-gram for refugees is“marred by confusion,unnecessary costs andcompromised care.”“We advised the govern-ment from the beginningthat these program cutswould reduce care, in-crease costs to other ar-eas of the health systemand needlessly threaten

public safety,” said Dr.Philip Berger, chief of fam-ily and community medi-cine at St. Michael’s Hos-pital.“Regrettably, this is ex-actly what our colleaguesare seeing in clinics andhospitals across Canada.”According to the group,which has collected casesthrough its network ofphysicians and nurses, themost-affected refugeepopulation has been preg-nant women and children,with at least six would-bemothers denied appropri-ate care.Also affected are thosewho did not seek asylumat the port of entry andonly filed their refugeeclaims later. Instead of

getting immediate cover-age, the so-called “inland”claimants must now waitfour to six weeks aftertheir asylum claims arefiled at a local immigrationoffice.The group said clinics andhospitals are refusing carebecause of confusionover what and who is cov-ered, and the inability ofthe government’s privateinsurance company, BlueCross, to provide defini-tive information.Only five out of the 30walk-in clinics surveyedin Greater Toronto saidthey understood the newrules and were accepting

the interim health cover-age for refugees.“The government is tell-ing some of the most vul-nerable members of soci-ety they are not eligible forimportant, possibly life-saving health coverage,”said Dr. Meb Rashid,medical director ofWomen’s CollegeHospital’s CrossroadsClinic.The federal governmenthas said the cuts areaimed at discouraging “un-founded” refugees fromcoming and taking advan-tage of Canada’s healthcare system.NDP immigration critic

Jinny Sims (Newton-North Delta) urged theparliamentary citizenshipand immigration commit-tee to study the impact ofthe cuts to the refugeehealth program. But thatmotion was defeated bythe Conservative majorityon the committeeWednesday.“It’s unconscionable tothink that the Conserva-tives would deny refugeesthe basic rights of healthcare,” said Sims. “It isdeeply regrettable thatthey are playing politicswith people’s lives.”The Star.com

Impact of refugee health cuts: Confusion, unnecessarycosts and compromised care


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The Ahmadiyya MuslimCommunity of Canada ex-presses indignation at a seriesof events following the releaseof an anti-Islam propagandafilm. As a result of a deroga-tory depiction of the characterof Holy Prophet of Islam in thefilm, a violent reaction wasseen in many parts of the world,leading to the killing of inno-cent people, including US dip-lomats, and destruction ofproperty. The AhmadiyyaMuslim Community con-demns such violence in anyshape or form, as it is contrary

to the teachings of Islam. Atthe same time the Communityalso condemns the content ofthe film and the denigratingdepiction of teachings of Islamand the character of the HolyProphet.“Time and again an anarchistelement has stirred the emo-tions of Muslims around theworld, by insulting their faithand revered religious figureheads; first it was the cartoons,burning of the Holy Quran andnow this film. These peopleinstigate Muslims into a vio-lent reaction and then portray

that reaction to malign the pureand pristine teachings of Islamas an intolerant and militant re-ligion,” said the President ofAhmadiyya Muslim Commu-nity Canada.The leader of the CommunityHadhrat Mirza MasroorAhmad (fifth successor of thePromised Messiah) also ex-pressed his anguish and dis-pleasure during his weekly Fri-day sermon from UK, whichwas broadcast live across theworld. He said, “…anger ofMuslims regarding the anti-Is-lam film is fully justified, but

violent reaction must be con-demned”. He further opinedon the reasons and said, “…itis their inability to defeat Is-lam that is causing them toresort to such vile acts whichthey try to justify on the basisof freedom of speech or ex-pression.“Let it not be that in the nameof freedom of speech thepeace of the entire world is de-stroyed.” He added.The Ahmadiyya MuslimCommunity feels that currentfreedom of speech rights needto be improved so that injuri-

ous comments not be madeagainst revered and historicalprophets of various faiths. Inthe current form, the freedomof speech rights provide aguise to mischief makers.Prophets of God and other re-ligious figure heads, irrespec-tive of their religious beliefsshould be above reproach ofsuch ridicule and insult. “Mus-lims need to remember thatextremism is not the answer tosuch provocation. Instead theanswer is to reform oneselfand to respond to the curses ofthe opponents by sending salu-

tations on the Holy Prophet(peace be upon him). And inworldly terms the Muslimworld needs to unite and Mus-lims who live in western coun-tries should fully utilise thepower of their right to vote.”,said Hadhrat Mirza MasroorAhmad.The Ahmadiyya MuslimJama‘at is a global religiousorganization founded in 1889.It has tens of millions of fol-lowers in over 190 countries.The Ahmadiyya MuslimJama‘at categorically rejectsall forms of extremism. Thefounder, Hadhrat MirzaGhulam Ahmad (as), thePromised Messiah and theMahdi, declared that extrem-ism and an aggressive “Jihadwith the sword” has no placein Islam. The best way to de-fend Islam is through an intel-lectual “Jihad with the pen”.The motto of the communityis “Love for All- Hatred forNone”. The community isknown for its unique approachto interfaith dialogue and ac-tive engagement in charitablework; such as running schools& hospitals in the developingcountries where the need ismost acute.

For more information pleasevisit www.alislam.org.Ahmadiyya Muslim Jama‘atCanada, 10610 Jane St.,Maple, Ontario, L6A 3A2Fax: 905-832-3220 | email:[email protected]

Ahmadiyya Muslim Jama‘at CanadaPress Release


FOCUS

Asks Joe Kingsley Eyiah, OCT, Brookview Middle School, Toronto-Canada

I think the sticker: If youcan read this, thank ateacher is losing its rel-evance on some politi-cians. It is disturbing totrace the soar relationshipthat has developed be-tween the government ofthe Ontario Province ofCanada and teachers inthe province. Such wasthe relationship whichcharacterized the tensionbetween teachers inGhana and the NPP aswell as the NDC govern-ments some years back inthat country too!

Education has been themajor facilitator and cata-lyst in the astonishingchanges and transforma-tion sweeping through theworld today. The role offormal (school) educationin the liberation of the in-dividual mind as well aseconomic dependenceand in national develop-ment is therefore quiteobvious. The major stake-

holders of formal educa-tion are the government,the teacher, the parent andthe community. Thesemajor players in educationought to have mutual re-spect towards each otherto promote the well beingof students. Teachers arethe pivot for ensuring suc-cessful learning processin the classroom. Theyare expected to bringequality learning experi-ences to the students they(teachers) teach.

Unfortunately, PremierDalton McGuinity ofOntario who was ‘put inpower’ with votes of

teachers some years backhas now turned his backto teachers by passing Bill115 taking away teachers’right to go on strike.According to Teachers’Unions in Ontario, Bill 115,“The Putting StudentsFirst Act,” is an unprec-edented attack on the es-tablished collective bar-gaining process. Legisla-tion is not negotiation!Teachers unions have al-ready withdrawn extra-curricular activities forstudents after the Ontariogovernment imposed anew contract that freezesteachers’ wages for twoyears and bans them fromwalking off the job.Bill 115, known as thePutting Students FirstAct, passed third and fi-nal reading in the provin-cial legislature on Septem-ber 11, 2012, with 82MPPs voting in favour ofit and 15 MPPs votingagainst it.

Teachers unions are urg-ing their members to pro-test the legislation by with-drawing their support forextra-curricular activities.Sam Hammond, presidentof the Elementary Teach-ers’ Federation of Ontario,called the move an initialstep in an “escalating”protest strategy.The union has also intro-duced “McGuinty Mon-days” - days on whichteachers are urged not toparticipate in any school-based meetings.

Ghana under formerPresidents J J Rawlingsand J. A. Kufour experi-

enced similar tension be-tween the governmentsand teachers in the coun-try at the detriment of stu-dents and parentsTeaching has been de-scribed as the “most rel-evant profession wehave” by the formerOntario premier WilliamDavis. We therefore haveto respect the teacher assuch.

Undoubtedly, education isthe biggest enterprise inany civilized society.Teachers play an impor-tant role in this enterprise.They make the medical

doctors, the lawyers, theaccountants, the engi-neers, the agriculturalists,the musicians, the pastors,the politicians, the nurses,the computer analysts andmany other workers whocontribute effectively tothe building of a nationanywhere. This noble pro-fession which propelseducation should not beseen at loggerheads withthe main provider of edu-cation to the detriment ofstudents and parents asbeing experienced in Pre-mier McGuinty’s Ontarioprovince in Canada and inNPP’s or NDC’s Ghana!

DOES THE TEACHER NO LONGER MATTER?

What’s in a name? Wellon the Spadina subwayextension, it will be a mu-seum.The Toronto Transit Com-mission has added a littlecharm to its subway mod-ernization project, votingon Thursday to name thestation at Steeles Ave. W.and Jane St. after theBlack Creek Pioneer Vil-lage.TTC staff had recom-mended the station remainwithin its naming conven-tions that usually relate tothe nearest major street orintersection and call thestop Steeles West.But the city councillors onthe transit board, movedby a request from theToronto Region Conser-vation Authority and

councillor AnthonyPerruzza (York West) dis-pensed with conventionand decided to honour thetourist attraction instead,although some suggestedthat the TRCA’s esti-mated 800-metre distancebetween the station andvillage was too great.Councillor MariaAugimeri (York Centre),a transit commissionerand vice-chair of theTRCA, called the pioneervillage a jewel.“It’s Toronto’s living mu-seum,” she said of theassemblage of historicbuildings near York Uni-versity.The naming isn’t unlikethat of Museum stationnear the Royal OntarioMuseum, or Osgoode sta-

TTC names new subwaystation for Black Creek

Pioneer Village

Saudi Arabia has startedexpelling 1,100 Nigerianwomen pilgrims for violat-ing the kingdom’s ruleprohibiting Muslim womenfrom entering the countrywithout a male guardian.The government-run el-Eqtisad website quotes anunnamed Saudi officialFriday as saying thewomen were detained af-

tion near the OsgoodeHall courthouse, saidAugimeri.The TTC is also chang-ing the name of the cur-rent Downsview Stationto Sheppard West to avoidconfusion withDownsview Park, the firstnew stop on the line. It willbe followed by FinchWest, York University,Highway 7 and VaughanMetropolitan Centre, aswell as Black Creek Pio-neer Village.In an online public consul-tation on station nameslast year, 61 percent of3,650 respondents fa-vored the name SteelesWest, but Black CreekPioneer Village wasn’tamong the options pro-vided on the survey.The Star.com

ter landing at the interna-tional airport in Jiddah. OnThursday, 171 were sentback and the rest will bereturned to Nigeria.The report says some ofthe women have beendetained since Monday.In Saudi Arabia, womenmust be accompanied byor have permission froma “mahram” — a male

guardian — in order totravel. But in the past,authorities allowedwomen to perform theannual hajj pilgrimage ingroups with male tour op-erators.There was no explanationfor why the authoritieswere now enforcing therule. The Toronto Star

Saudi Arabia expellingNigerian women for nothaving male guardians


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The young man had beeninvolved with gangs sincehe was a teenager. Now,in 2007, violence in theJ a n e - F i n c hneighbourhood was ramp-ing up.He knew it was coming.It was just a matter ofwhen.“I heard a voice, clear asday. It said, ‘This is yourend,’” he recalled.“Knowing the kind of lifeI had been living, I thought,‘OK, I’m going to die.’”This epiphany made himrealize he didn’t want todie this way. A week later,a savage beating sent himto hospital with a deepgash in his head.When a friend offered toget even with the assail-ants, Oppong told him no.“I said, ‘I had it coming.It’s OK.’ I realized thekind of life I was livingand I was forced to makea change.”Since that day, Opponghas become a role modelin Jane-Finch. He runsprograms for youth andnew fathers and volun-teers on the local residenttask force for UnitedWay’s Action forNeighbourhood Changeinitiative.He hopes to teach youngmen to live the life theywant and not the life theyfeel stuck in.“It is really a dark world,and you need somebodyto walk you out of the

darkness, to bring you intothe light,” he said. “I wantto be that person.”Youth don’t always knowwhat they’re getting intowhen they start sellingdrugs, Oppong said.“As you grow and ma-ture, you start to see whatyou are doing is wrong.But once you conform tothat lifestyle, it’s hard toleave.”He teaches at-risk youthto think critically about thedecisions that led them towhere they are.His youth group, calledYouth Mediation and Re-lationship Building, meetsonce a week at variouscommunity centres.Many of the young menstruggle with poverty, vio-lence, drugs and brokenhomes — issues Opponghas experienced firsthand.“You need people withpassion to engage theseyouth, because it’s not en-tirely our fault that we’regoing through what we’regoing through.”In each group session,youth first talk about whatthey are going through.Maybe they’re fightingwith a family member orstruggling at school.After listening carefully,the group works out apositive solution together.“The key words are criti-cal thinking,” Oppongsaid. “Everything you doin life, you have to com-mit 100 per cent.”

At the same time, heteaches them life is un-predictable.For example, he tellsyoung men facing un-planned pregnancies toembrace their new re-sponsibilities as fathers.“You can say that youshould have planned itproperly, but nobody cantell me life is planned.Anything can happen.”Oppong has built strongrelationships with dozensof youth he has met sincehe started the group in2009. He even asks manyof them to help with hissummer camp, which heoffers in July and Augustto kids ages 4 to 13.“Don’t let them go,” hesaid with a laugh. “Don’tgive them the chance tobreathe . . . you gotta keepthem engaged.”Oppong, a proud father oftwo, also runs a dads’group on Saturday morn-ings. It’s a way of bring-ing fathers and kids to-gether for a big family-style breakfast, he said.The group also givessingle fathers a chance totalk about divorce, childcustody and otherparenting issues.As a member of the resi-dent task force, Oppongorganizes various eventsin Jane-Finch like back-to-school barbecues andyouth summits. He alsosits on the planning com-mittee for the Resident

Reflection conference, anannual meeting of com-munity leaders fromToronto’s 13 priorityneighbourhoods.Last year, he was theconference’s MC.He has seen dramaticchanges in many of theyouth, but it hasn’t workedout for everyone. A fewhave gone back to theirold ways and have woundup in jail.“I don’t entirely blamethem,” he said. “It’s noteasy. Somebody trying togo through that changeneeds that commitment tosay to himself, ‘No mat-ter what I’m goingthrough, I’m not goingback.’”Oppong found support inthe Bible, which he cred-its with inspiring him tochange his life, once andfor all.“In the Book of John, hesays no one comes to theFather except throughhim. His way of livingwas to love your enemies,forgive, be humble, begentle, persevere, endure,be joyful.”He still thinks about thatvoice in his head that toldhim he was about to die.Now he teaches youththat death is always nearwhen you’re involved inselling drugs.“Whether you’re holdinga gun, whether you’redealing drugs, you’re kill-ing,” he said.

“Learn to embrace life,because it’s more valu-able than all the money in

Off the streets and returning to the lightHardness Oppong knew he was about to die.

Hardness Oppong teaches life lessons to young men in the Jane-Finch area. "Learn to embrace life, because it's more valuable thanall the money in the world," "Life is more precious than gold."

the world. Life is moreprecious than gold.”

culled from Toronto Star, By Laura Kane, Staff Reporter


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The province’s secondlargest municipal policedepartment has chosen awoman to lead its forcefollowing a string of con-troversies that precededthe surprise retirement ofthe last chief.Former deputy chief Jen-nifer Evans was an-nounced as Peel Region’snew chief of police Tues-day, replacing MikeMetcalf, who steppeddown this summer.“The community weserve expects the highestlevel of integrity and pro-fessionalism,” Evans saidin the Region of Peelcouncil chambers, wherechair Emil Kolb intro-duced her to an overflowcrowd.Evans’ comments come inthe wake of some recentevents that have left theforce scrambling to de-fend its integrity.In February, Ontario Su-perior Court JusticeDeena Baltman delivereda scathing decision in adrug case involving Peeldrug and vice squad offic-ers, who she said had toldcalculated lies under oath.“The police showed con-tempt not just for the ba-sic rights of every accusedbut for the sanctity of acourtroom,” Baltmansaid.Metcalf ordered an inter-nal investigation while theofficers involved re-mained on the payroll.

Charges have not yetbeen laid.Legal experts told theStar’s Betsy Powell atthe time that, if officerswere charged and foundguilty of perjury and otheroffences, a number ofpolice investigations couldbe considered tainted.“I think the integrity of ourofficers on a daily basis isabsolutely essential tocommunity service andsupport,” Evans said inresponse to questionsabout the case. “We arelooking into those investi-

gations, those allegations.I take those very seri-ously.”In her introductoryspeech, Evans addressedanother thorny issue thathas dogged the force foryears: questions about ra-cial profiling and a percep-tion that the force poorlyreflects the region’s di-verse population within itsranks.In 2007, after the OntarioHuman Rights Commis-sion found a Peel officerguilty of racial profiling ina shoplifting case, chief

Metcalf said he was “dis-appointed” with the find-ing and challenged theCommission’s assertionthat his departmentneeded better training toavoid racial profiling.Last year, a Peel officerpublicly apologized to aresident after he allegedhe had been subjected toracial profiling during aninvestigation.As of December about 14per cent of the force, in-cluding civilian staff, weremembers of visible mi-norities. Only three out of59 senior uniformed staffwere visible minorities, ina force with a totalcomplement of 2,300.About 60 per cent of PeelRegion’s residents are vis-ible minorities, accordingto Statistics Canada.Evans said during her ad-dress that the region’s di-versity is its strength, andis something the policeservice values.“We, the police, are soproud of that diversity,”she said, vowing to usherin “enhanced, productiverelationships” with com-munity partners. “As yourchief, I will make this hap-pen.”Evans’ elevation to the topjob is seen by many insid-ers as a departure fromestablished practice, someofficers said privately. Agroup of senior staff closeto Metcalf were passedover in the selection pro-cess.However, Evans has animpressive list of accom-plishments. After joiningthe force in 1983, she shotup the ranks; she servedin an investigations unit,was seconded to assist inthe Paul Bernardo case,became a homicide detec-tive and recently assistedthe British ColumbiaMissing Women Commis-sion of Inquiry.Asked what she’ll bring tothe position, Evans said:“Leaders have to take re-sponsibility and account-ability for all the actionsof all the police membersand they have to listen tothe community.”The Toronto Star

Jennifer Evans appointed Peel’s chief of police

New Peel Police Chief Jennifer Evans

City staff routinely rushthrough the recruitmentprocess in filling positionson boards, agencies andcommissions makingseemingly “arbitrary” de-cisions as a result, a newreport from the city’s om-budsman alleges.The report, titled “An In-vestigation into the Ad-ministration of the PublicAppointments Policy”, isbased off an examinationof appointments made af-ter Mayor Rob Ford as-sumed office in late 2010.The report states that un-der pressure from themayor’s office to speedup the recruitment and hir-ing process for a numberof open positions, stafffrom the city clerk’s of-fice failed to identify con-flicts-of-interest amongapplicants and to ensurethe city’s diversity policywas followed.On one occasion in thesummer of 2011 stafftwice failed to note theconflict-of-interest held byone candidate for a par-ticular board, the reportsays“Because of the acceler-ated schedule and the lackof resources, staff’s abili-ties to carry out their re-sponsibilities under thepolicy were compro-mised,” the report states.“Staff did not have therequired time or resourcesto screen applicants andprepare qualification sum-maries. This left the in-tegrity of the committee’sreview open to percep-tions that selections weredone in an arbitrary man-ner, instead of one based

on merit.”Speaking with CP24Thursday afternoon Coun.Giorgio Mammoliti, whosits on the civic appoint-ments committee, said thereport reveals serious mis-takes made by city staffbut incorrectly puts theblame on the mayor’s of-fice.“The ombudsman is thereto look at the process andthe city officials and I thinkwhat has happened hereis that she caught citystaff making mistakes andnot moving through theprocess and somehow istrying to put the onus ontothe politicians,” he said.“It is outside of her juris-diction.”Mayor’s office interferedwith hiringThe report, which wasreleased Thursday morn-ing, also accuses themayor’s office of interfer-ing with the recruitmentand hiring process.It says that on one occa-sion staff were directed toplace a recruitment ad-vertisement in the TorontoSun and National Post,but not the Toronto Star,a newspaper the mayorhas had a longstandingfeud with.“City Manager’s Office(CMO) staff informed myinvestigator that theywere directed by themayor’s staff on whichpublications to place theadvertisements. Theywere not to be placed inthe Toronto Star,” the re-port states. “CMO hadconcerns with that direc-tion, given the (Toronto)Star has a diverse read-

Ombudsman slamsmayor’s office forinterfering with

board appointments

cont'd on pg. 61


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College graduation rates con-tinued to improve around theworld during the recession,according to a recent interna-tional economic study. In moredeveloped countries, the per-centage of adults with theequivalent of a college degreerose to more than 30% in 2010.In the United States, it wasmore than 40%, which isamong the highest percentagesin the world.However, improvements inhigher education are harder toachieve in these countries.More developed economieshave had the most educatedpopulations for some time.While these countries havesteadily increased educationrates, the increases have beenmodest compared to develop-ing economies. At just above1%, the U.S. has had one ofthe smallest annual growthrates for higher educationsince 1997. In Poland, anemerging market, the annual-ized rate was 7.2% from 1997to 2010.The Organization for Eco-nomic Cooperation andDevelopment’s (OECD) Edu-cation at a Glance 2012 reportcalculated the proportion ofresidents with a college or col-lege equivalent degree in thegroup’s 34 member nations andother major economies. Basedon the report, 24/7 Wall St. iden-tified the 10 countries with thehighest proportion of adultswith a college degree.The majority of countries thatspend the most on educationhave the most educated popu-lations. As in previous years,the best educated countriestend to spend the most on ter-tiary education as a percent-age of gross domestic product.The United States and Canada,among the most educatedcountries, spend the first andthird most respectively.In an interview with 24/7 WallSt., OECD’s Chief Media Of-ficer Matthias Rumpf ex-plained that educational fund-ing appears to have a strong

relationship to how many resi-dents pursue higher education.Private spending on educa-tional institutions relative topublic expenditure is muchlarger in the countries with thehighest rates of college-equivalent education. Amongthe countries with the highestproportion of residents with atertiary education, a dispropor-tionate amount of spendingcomes from private sources,including tuition and donations.The OECD average propor-tion of private spending is 16%.In the U.S., 28% of fundingcomes from private sources.In South Korea, another coun-try in the top 10, it is more than40%.Having more education helpedpeople all over the world stayemployed during the recession,according to the OECD. Be-tween 2008 and 2010, unem-ployment rates among devel-oped nations jumped from8.8% to 12.5% for people withless than a high school educa-tion, and from 4.9% to 7.6%for people with only a highschool education. For thosewith the equivalent of a col-lege degree or more, the job-less rate went from 3.3% to just4.7%.Among the 10 countries withthe highest proportion of edu-cated adults, unemploymentrates for those with a collegeequivalent ranged from 2.8%in Australia to 5.4% in theCanada. In each country, therate remained lower than thatcountry’s national average.The OECD provided informa-tion on the percentage of resi-dents aged 25 to 64 with a ter-tiary education for each of its34 member countries, as wellas for eight other nations. 2010statistics on educational attain-ment, graduation rates, GDPper capita and unemploymentrates also were provided by theOECD. The latest figures cov-ering country-level educationexpenditure are from 2009.

These are the 10 most edu-

cated countries in the world.

1. CanadaCanada is the only nationwhere more than half of alladults had a tertiary educationin 2010. This was up from 40%of the adult population in 2000,when the country also rankedas the world’s most educated.Canada has managed to be-come a world leader in educa-tion without being a leader ineducation spending, which to-taled just 6.1% of GDP in 2009,or less than the 6.3% averagefor the OECD. A large amountof its spending went towardstertiary education, on which thecountry spent 2.5% of GDP,trailing only the United Statesand South Korea. One of thefew areas Canada did not per-form well in was attracting in-ternational students, who madeup just 6.6% of all tertiary stu-dents — lower than theOECD’s 8% average.

2. IsraelIsrael only joined the OECDin 2010. That year, its GDP percapita was more than $7,000below the OECD’s average.Despite this, the country’s highschool graduation rate was92% in 2010, well above theOECD’s 84% average. Some46% of residents had a tertiaryeducation, versus 31% for theOECD. Israel spent 7.2% ofGDP on educational institu-tions in 2009, the sixth mostamong all nations. And for thefirst time, preschool educationwill become free in 2012 evenfor children as young as threeyears old, Haaretz newspaperreported. This should benefitIsrael as, according to theOECD, “early childhood edu-cation is associated with bet-ter performance later on inschool.”

3. JapanIn 2009, Japan spent 1.6% ofGDP on college or collegeequivalent education, on parwith the OECD’s average, andjust 5.2% of GDP on educa-tion overall, well below theOECD’s 6.3% average. De-spite its relatively light spend-ing, the country still had a highschool graduation rate of 96%,the second best among all na-tions in 2010, while the percent-age of its population with a ter-tiary education was 14 per-centage points higher than theOECD’s average. However,according to The Wall StreetJournal, recent university

graduates in Japan havestruggled to find work, with15% those graduating in thespring of 2012 neither em-ployed nor enrolled in furthereducation as of August.4. United StatesAlthough the U.S. is one of justa few nations where more than40% of people had a tertiaryeducation in 2010, its educa-tion system is not without prob-lems. Among the concerns, thegraduation rate for upper sec-ondary students in 2010 was77%, well below the averagerate of 84% for the OECD.Even though graduation rateswere relatively low, the U.S. isone of the biggest spenders oneducation, with related expen-ditures equaling 7.3% of GDPin 2009. The U.S. was also theworld’s largest spender on ter-tiary education in 2009, at 2.6%of GDP. The majority of fundsfor higher education, totaling1.6% of GDP, came from pri-vate sources.

5. New ZealandThe tiny country’s populationhas grown 13.2% between2000 and 2010, as has thecountry’s education system.The number of people with acollege or college equivalenteducation rose from 29% to41% over the period. The coun-try also has become a destina-tion of choice for internationalstudents, who made up 14.2%of tertiary students in 2010.New Zealand is also a leaderin educating scientists, with16% of students choosing a sci-ence for their field of study atthe tertiary level — the highestproportion of any country.

6. South KoreaBetween 2000 and 2010, thepercentage of South Koreans

with a college education ormore rose from 24% to 40%.In addition to being well-edu-cated, many residents also in-vested considerable amountstowards their schooling. In2009, only Iceland spent morethan South Korea’s 8% of GDP.That year, no country in thestudy contributed more privatefunds for education at all lev-els than South Korea, at 3.1%of GDP, or for tertiary educa-tion, at 1.9%. Despite the in-vestment, education does notappear to have a measurableimpact on job seekers. The un-employment rate in 2010 forthose with a tertiary degree was3.3% — low relative to theOECD average of 4.7%, butnot much lower than the 3.7%rate for all workers in the coun-try.

7. United KingdomBetween 2000 and 2010, thepercentage of U.K. residentswith a tertiary education rose12 percentage points. Thecountry’s universities are alsopopular among students fromother nations. International stu-dents make up 16% of enroll-ment. The country recently hashad a shift in how education isfinanced. While in 2000 thepercentage of funds from pri-vate sources was 14.8%, it roseto 31.1% by 2009. Students alsomust cover more of the cost ofhigher education than in thepast, as the cap on tuition feeswas raised from 3,290 poundsto 9,000 pounds for the 2012-2013 year.8. FinlandFinland spent 6.4% of its grossdomestic product on educationin 2009, with 97.6% of thesefunds coming from publicsources, more than any coun-

try in the report. Between 2000and 2010, high school gradua-tion rates rose by just two per-centage points, while the num-ber of people with a collegeeducation or more rose by justsix percentage points. As a re-sult, Finland fell from fourth toeighth place among the world’smost educated countries. Finn-ish workers with a tertiary edu-cation were far more likely tobe employed than those with-out such an education — theunemployment rate was 4.4%for residents with a degree and8.4% for those without.

9. AustraliaAustralia is a preferred desti-nation for many internationalstudents, which is why it shouldcome as no surprise that theyaccounted for 21.2% of thecountry’s tertiary students in2010, higher than every coun-try other than Luxembourg.Finding a job in the country isnot especially hard for thosewith a college degree. Thecountry had an unemploymentrate of just 2.8% in 2010 forworkers with a tertiary degree,compared to a rate of just 5.2%for all workers.

10. IrelandFrom 2000 through 2010, thepercentage of people with acollege education or more inIreland nearly doubled, risingat an annual average of 7.3%— faster than any country inthe study. High school gradua-tion rates also rose during thattime, from 74% to 94%. Edu-cation has become especiallycritical for male job seekers inIreland’s workforce, as 6.3%of men with a tertiary educa-tion were unemployed in 2010versus 15.2% for all men na-tionwide.

The Most Educated Countries in the WorldBy Michael B. Sauter & Alexander E.M. Hess, 24/7 Wall St.


IMMIGRATION AND SOCIAL ISSUESBy: James A. Kwaatemg, B.A. (Hons), LLB (Hons)

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On September 14, 2012,Citizenship, Immigrationand Multiculturalism Min-ister, Jason Kenney an-nounced that, on that day,Canada had welcomed its20,000th permanent resi-dent through the Cana-dian Experience Class(CEC) immigrationstream. The Ministerrightly perceived this as areflection of thegovernment’s success inits efforts to attract aswell as to maintain theworld’s best and brightestskilled workers.

The Canadian ExperienceClass category was intro-duced in 2006 by the Gov-ernment in a bid to buildmore responsive and at-tractive labour-orientedimmigration system. Priorto the CEC program, astudent graduating from aCanadian university whowanted to stay in Canadawould, generally, havehad to return to his or herhome country to wait onthe queue for severalyears for their applica-tions to be processed.

The CEC program facili-tates and expedites thetransition from temporaryto permanent residencefor certain temporaryworkers and foreign stu-dents. Even though it wasintroduced recently, it hasseemingly earned for it-self the enviable status asCanada’s fastest growingeconomic immigrationprogram.

The 2006 announcementthat introduced the CECprogram limited the CECapplications to Skill Type“0” Management Occu-pations, Skill Level “A”(professional occupations)or Skill Level “B” (tech-nical occupations andskilled trades) of the Na-

tional Occupation Classi-fications (NOC). Lower-skilled occupations wereleft out the reason beingtheir potential vulnerabil-ity in periods of economicdownturn.

One cannot apply for per-manent residence underthe CEC category unlesshe meets certain specifiedrequirements. These re-quirements include, butnot limited to, the CECapplicant having firstlycome to Canada to workor study, having been law-fully admitted to Canada,and having temporaryresident status in Canadaat the time the applicationfor CEC is made.

Not all foreign studentswho meet the aforemen-tioned requirementsqualify for the CEC appli-cation. Foreign studentswho are in the process ofreceiving their permanentresident status throughsome other means do notqualify under the CECclass, so are internationalstudents who are recipi-

ents of select Govern-ment of Canada awardsfor foreign students. For-eign nationals who are un-documented workers inCanada, refugee claim-ants in Canada and for-eigners who have beenfound inadmissible toCanada on such groundsas health or security arealso not eligible to applyfor CEC.

The Regulations createtwo distinct streams underthe CEC program withdifferent thresholds foreach criterion. One of thetwo streams comprisesrecent foreign graduatesand the other comprisestemporary foreign work-ers.

The foreign graduates willneed to obtain 12 monthsof legal work experiencewithin a 24-month periodprior to making a CEC ap-

plication, obtain a Cana-dian credential by study-ing in Canada full-time forat least two academicyears, and meet the lan-guage benchmark fortheir occupation skill level.Temporary foreign work-ers will need to obtain 24months of legal work ex-perience in Canada withina 36-month period prior tomaking a CEC applicationand meet the languagebenchmark for their occu-pational skill level.In order to make the CECeven more responsive toCanada’s labour marketneeds and economicgoals, greater flexibilityand changes that will ex-pedite the processing ofapplications further forthose already working inCanada have been pro-posed by the Immigration.With the proposedchange, all applicants willrequire 12 months of Ca-

nadian work experiencegained in the 36 monthspreceding their applica-tion.

No doubt, the CEC pro-gram can be rightly de-scribed as a convenientand fast pathway to per-manent residency for in-ternational student gradu-ates as well as otherswith skilled work experi-ence. Contact immigrationlaw professionals formore information if youhave any problems re-garding the CEC applica-tion.

James A. Kwaateng, is anImmigration Law practitio-ner with offices located at168A Oakdale Road, Suite4, Toronto, Ontario. Forthorough discussion of yourimmigration and relatedsocial and legal issues, con-tact him at telephone num-

ber (416) 743-2758.

Success and Usefulness of the Canadian Experience Class Program

The federal government isextending a project thathelps connect Torontoyouth with community re-sources to keep themaway from gangs.Public Safety Minister VicToews announced an ad-ditional $244,000 in fund-ing for the Prevention andIntervention Torontoproject, which will keep itgoing for another ninemonths.The $4.2-million projectpairs at-risk youth be-tween the ages of 13 and24 with trained profes-

sionals to guide them tohousing, education andemployment resources.Toews says the project,which started in 2008 andis run by the city, hashelped keep youths awayfrom gang activity.Kristofer Miller, a youthfrom northwest Toronto,says the project helped

www.ghanaiannews.com

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him finish high school.The funding boost followsseveral measures takenby the city and provincialgovernments in the wakeof deadly gun violencethis summer to expandprograms aimed at keep-ing youth away fromstreet crime.The Canadian Press


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Most citizenship applicants will soon berequired to provide up-front objective evi-dence of their language ability at the timethey apply, Citizenship, Immigration andMulticulturalism Minister Jason Kenneyannounced today.This change will be implemented as ofNovember 1, 2012. Currently, Citizen-ship and Immigration Canada (CIC) as-sesses the language ability of applicants,

aged 18–54, solely through interactionswith CIC staff and by using the resultsof the citizenship knowledge test.“Extensive research has consistentlyshown that the ability to communicateeffectively in either French or English isa key factor in the success of new citi-zens in Canada,” said Minister Kenney.“We believe it is important that new citi-zens to be able to participate fully in our

economy and our society.”The Citizenship Act already requires thatapplicants be able to communicate in oneof Canada’s official languages. Thisregulatory change will not increase thelanguage level required but will changethe way that citizenship applicants aged18–54 demonstrate their language abil-ity.

Under the old rules, there was no objec-tive way to test language abilities of ap-plicants. Under the new rule, applicantsmust provide objective evidence thatthey meet the language requirement,achieving the Canadian LanguageBenchmark/Niveau de compétencelinguistique canadien 4 in speaking andlistening, when they file their application.Applicants will be required to submitacceptable evidence, such as:· the results of a CIC-approvedthird-party test; or· the evidence of completion ofsecondary or post-secondary educationin English or French; or· the evidence of achieving theappropriate language level in certaingovernment-funded language trainingprograms.While CIC will continue to use theapplicant’s interaction with CIC staff andwith citizenship judges as part of the lan-guage ability assessment, the new regu-lations mean that applicants must firstprovide objective evidence that theymeet that requirement when they filetheir application. CIC will return the ap-plications of those who do not provideevidence of language ability up front,enabling CIC to focus resources on pro-cessing those who do meet the require-ments.The requirement for adult applicants toprovide objective evidence of their lan-guage ability with their citizenship sub-mission applies to every application re-ceived as of November 1, 2012.

Minister Kenney announces new language rules forcitizenship applicants


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Defence Minister PeterMacKay says red lines havebeen placed already, ‘open forinterpretation’

Israeli President BenjaminNetanyahu praised Canada forsuspending diplomatic ties withIran, calling Prime MinisterStephen Harper “a real states-man” and “a great championof freedom and a great friendof Israel” as the two leadersmet in New York Friday.Harper and Netanyahu shookhands and posed for photosFriday morning.Netanyahu addressed the UNGeneral Assembly this week.Harper arrived in New YorkThursday to meet with severalworld leaders but will not ad-dress the UN.“I think the work you did sev-ering ties with Iran was not onlyan act of statesmanship but ofmoral clarity,” Netanyahu said,adding the Canadian decisionhad set an example for othernations, including countrieswho attended a summit ofcountries from the Non-Aligned Movement in Tehranlast month “and said nothing.”Netanyahu once again calledon the international communityto draw a “red line” on Iran.The Israeli prime minister ar-gues a military strike will benecessary and justified if theIranian regime continues tomove toward developingnuclear weapons, and wantsthe international community to“translate the agreement andprinciple of stopping Iran from

developing nuclear weaponsinto practice.”“In practice, that means set-ting red lines on their enrich-ment process. It’s their onlydiscernible and vulnerable partof their nuclear program,”Netanyahu said. “I think that ifsuch red lines are set, I believethat Iran will back off.”Harper also spoke about Iranas he met with Netanyahu Fri-day morning.“Our country has not been shyabout warning the world of thedanger the Iranian regime ulti-mately presents to all of us,”he said.But Harper did not commenton Netanyahu’s call for a “redline.” Instead, he restatedCanada’s position that it hopesthe crisis in Iran can be broughtto a peaceful conclusion.“We want to see a peacefulresolution and we work closelywith our allies to try to alert theworld to the danger this pre-sents and the necessity of deal-ing with it,” Harper said.Defence Minister Peter

MacKay faced more questionsabout Canada’s precise posi-tion on Israel’s “red line” dur-ing a Washington news con-ference Friday morning afterhis meeting with U.S. Secre-tary of Defence Leon Panetta.

“There have been a numberof red lines placed already,”MacKay said. “Iran has edgedcloser and stepped over thosered lines on a number of occa-sions now, particularly when itcomes to cooperation aroundthe subject of inspections.”

MacKay called the rhetoriccoming from the Iranian re-gime “unnerving in the ex-treme.”Canada walked out on Iranianpresident MahmoudAhmadinejad’s speech at theGeneral Assembly this week.“The achieving of nuclear ca-pability is the red line, whenand where that kicks in I guessis open to interpretation,” theCanadian defence ministersaid.

Earlier, Panetta said that theAmerican position remains thatit “will not allow Iran to obtaina nuclear weapon.”“This is not about containment,this is about prevention,” theAmerican defence secretarysaid.MacKay confirmed that

Canada’s Sept. 7 decision tosuspend its diplomatic ties,close its embassies and kickout Iranian diplomats wasmade after consultation with itsallies, including the UnitedStates.Canada’s preferred alternativeremains sanctions and diplo-matic pressure, MacKay said,

but “unfortunately those oppor-tunities are becoming less andless obvious and less and lesseffective.”“The Israelis are going to maketheir own decisions,” MacKaysaid. “Trying to shift the atti-tudes of this regime has provento be enormously challeng-ing.” CBC News

Harper avoids backing Netanyahu’s call for ‘red line’ on Iran

Prime Minister Stephen Harper met with Israeli PrimeMinister Benjamin Netanyahu in New York


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President Mahama willfinally take part in thisyear’s presidential de-bates being organised bythe Institute of EconomicAffairs.This is a sharp U-turnfrom the earlier position ofthe governing NDC afterthe party declined the in-vitation of the Institute ofEconomic Affairs for anencounter with their presi-dential candidate.A statement signed by thePropaganda Secretary of

the NDC, Mr RichardQuashiga in August thisyear stated that the NDC“wishes to reaffirm itsdecision not to participatein this year’s presidentialand vice presidential de-bate being sponsored bythe IEA.“The NDC governmenthas previously drawn theIEA’s attention to the factthat no sitting president orvice president in the 4threpublic has participatedin these debates. It is the

President Mahama InA U-turn Over IEA Debate

The Ministry of Roadsand Highways has takenover the Achimota-Ofankor road in Accrafollowing its substantialcompletion this month.The 5.7-kilometre roadwhich was expected to becompleted in three yearsdragged into six yearsdue to challenges largelyrelated to financing andchanges in the initial roaddesigns.The project started inNovember, 2006 and wasto have been completedin November, 2009.The usual gridlock, ex-haust fumes and dust ex-perienced by motorists onthe stretch was absentduring an inspection tourby the Minister of Roadsand Highways, Mr JoeGidisu, yesterday.The inspection tour was toenable the minister to at-test to the completion ofthe project prior to itstake-over from MessrsChina Railway Wuju(Group) Corporation, theChinese company thatexecuted the project.The GH¢137,234,148.62Achimota-Ofankor roadis by far the biggest

project to have been un-dertaken solely by the gov-ernment and forms partof the road sector devel-opment project.According to Mr Gidisu,it was sheer determina-tion that made the comple-tion of the project pos-sible, adding that at thetime the present adminis-tration inherited it fromthe previous administra-tion in 2009 it was only 25per cent complete.Even at that stage, pay-ment for some works donewas outstanding, hestated.He expressed thegovernment’s commit-ment to complete what hedescribed as the ‘gang ofsix’, that is the Tetteh-Quarshie-Madina road,Sofoline, Dansoman high-way, Teshie-NunguaBeach road, the SpintexRoad and the just com-pleted Achimota-Ofankorroad.Five persons have al-ready been killed in twomonths when the roadwas partially opened totraffic. The five wereknocked down by speed-ing vehicles when they

attempted to scale the re-taining walls to enablethem to cross from oneside of the road to theother. All five accidentsoccurred under the Domefootbridge.The four footbridges onthe corridor are located atan average of a distanceof 1.2 kilometres apart butMr Gidisu appealed tomotorists and pedestriansto use the road as de-signed to maximise safetyon it.The Resident Engineer ofthe project, Mr ShelterLotsu, described the roadas user friendly with fa-cilities also provided forphysically challenged per-sons.He said there were fewoutstanding works whichwould be carried out bythe contractor during aone-year defect liabilityperiod. The immediateones, however, includethe provision of bridgeparapets, a kind of guardrail made up of strongmaterials which would beinstalled at the Tantra Hilloverpass and other criti-cal sections of the road.He advised motorists to

approach the Tantra Hilloverpass with caution untilthe parapets were fixed.Angel Data and TelecomServices is also workingon the installation of traf-fic signals at the Neoplanintersection. Meanwhilebeautification which in-cludes paving and grass-ing is also ongoing.The reconstruction of theAchimota-Ofankor roadproject from a two-lanesingle carriageway to athree-lane dual carriage-way became necessary to

Achimota-Ofankor Road Completereduce the drudgery asso-ciated with travelling onthat stretch of the road.According to Mr Lotsu,motorists can now makethe four-hour journey fromthe Neoplan intersectionto Ofankor in just about 10minutes as all forms oftraffic have been elimi-nated.The Greater Accra Re-gional Minister, Nii AfoteyAgbo, who was part of theinspection team, notedthat the road would onlybe beneficial if it was used

as designed and cautionedmotorists and pedestriansagainst its abuse.The Achimota-Ofankorroad forms part of the ur-ban section of thedualisation of the Accra-Kumasi road. It has athree-lane dual carriage-way and two-lane serviceroads with asphalt con-crete surfacing, three in-terchanges and four foot-bridges, bicycle lanes, pe-destrian walkways, andlaybys along the serviceroads. Daily Graphic

party’s position to upholdthat convention”.But the General Secretaryof the NDC, JohnsonAsiedu Nketia on Fridayconfirmed to the mediathat the party’s Presiden-tial candidate will partici-pate in the debate after adelegation from the IEAled by Professor EsiSutherland managed toconvince the NDC to re-treat on their earlier posi-tion. radioxyzonline.com


By Eddie Twumasi Smith Bsc(Hons) Chem Eng, MBA,CGA, CPA

1984 Yonge St., Toronto, Ontario, Canada, M4S 1Z7

Schwarz LawBarristers and Solicitors

Tel: 416-486-2040 Fax: [email protected] www.schwarzlaw.ca

BUSINESS

Schwarz Law LLP is a full service law firm, offering sound and practicalprofessional advice in the areas of Business Law, Corporate, Commer-cial, Real Estate, General Litigation, Personal Injury, Construction Liens,Immigration and Estates and Tax Planning. Schwarz Law LLP is also as-sociated with law firms in Providenciales (Turks & Caicos Islands), Kan-sas City, Missouri (USA), Accra (Ghana) & Montreal, Quebec. JaysonSchwarz is also a foreign referral associate of Cyrus Ross International(Europe). As a result, through our network of associated firms, we canprovide national and international solutions as required.

By: Jayson Schwarz and Konstantine Chatzidimos

FIRING YOUR REALTOR AND CLOSING THE DEAL YOU MAY STILLOWE THE COMMISSION

Life basic necessities-food, clothing, shelter andtaxes takes away the en-tirety of many people’searning, especially forthose of us who have 8hours a day job.Although some Canadiansdo struggle for basic ne-cessities, the bigger prob-lem is, most Canadians doconsider just about every-thing-eating out, drivingnew cars, hopping on anairplane for vacation to bea necessity. On the con-trary, many don’t thinkputting money aside towork for them as a neces-sity or an activity that re-quires the same measureof attention throughouttheir life time. We tendto spend most of our earn-ings on the so call basicnecessities before weeven think about spendingon investment. The usualcomplaint is, there is notenough left after all thosebasic necessities aretaken care of.If we want to achieve im-portant personal and fi-nancial goals, such asowing a home, starting abusiness, helping yourkids through university,retiring with comfortableincome and so on, wehave to learn how to in-vest well.In these contemporarytimes where income isdwindling due to inflationand cost of living and un-employment rate on therise, the need for us toevaluate our choices andwhat is considered basicnecessity has becomemore important now thanbefore.Many of us leave all in-vestment choices to ourbank/RRSP managers orpersonal financial plannerto select investment op-tions without asking theright questions or verify-ing for ourselves what orwhere our “hard” earnedsavings is being invested.It is about time we startlooking at what we spendon and how much wespend. It is about time were-evaluate our values orwhat we spend on andwhy, which will affect our

habits and our habits im-pact our behavior and thesum total of behaviorshapes our character andour character defines ourpersonality or life style orpatterns in life. Havingsufficient financial re-sources or the lack of itcan sometimes be tracedto our choices and habits.The “gospel” accordingWarren Buffett succinctlyput it this way, save be-fore you spend and notspend before you save.According to WarrenBuffet, changing our hab-its on savings and spend-ing is the first basic neces-sity for wealth creation.At different age or stagein our lives our toleranceor tendency to risk of lossof investment varies,hence it is vital for us tomeasure our affinity oraversion for risk beforedeciding on what type ofinvestment vehicle we in-vest in to meet our finan-cial and investment goals.Personal Savings and Fi-nancial GoalsThe single most significantfinancial lever that indi-viduals control directly istheir management of per-sonal expenditures. Thesecond is their lifetimeeffort to obtain sufficientincome. Most people sim-ply do not save enough oftheir current income tofund adequately their fu-ture needs. Retirementmight be (X) number ofyears away from now andthe question is, can youlive on your investmentafter retirement?.To help you analyze yourfinancial affairs in detail,some certified financialplanners’ advice use ofVeriPlan. VeriPlan is avery sophisticated andcustomizable computerplanning model that en-ables you to view graphi-cal projections of yourfamily’s income, ex-penses, assets, and debtsacross your lifetime. Datainputs reflect your par-ticular situation and in-clude all your assets, in-cluding cash, bonds, equi-ties, property, real estate,private equities, and busi-ness interests. There aremany investment optionsavailable which arebonds, commodities (suchas bullion/gold),forex, realestate, futures & options,stocks, exchange tradedfunds, mutual funds andsegregate funds amongmany others. You canstart with as little as$500.00 and with someresearch or assistance

grow your portfolio withtime.Some Investment OptionsGovernment of Canadabonds?Federal bonds are amongthe safest investmentsaround. The biggest riskis that a country will de-fault, but it’s highly un-likely that Canada, whichis one of the fiscally stron-gest G7 countries, will gobankrupt.Because it’s so safe, theyield or interest investorsreceive for holding a bond is lower than other bonds.It’s especially small todaybecause of our extremelylow interest rates as ofOctober 2011, a five-yearGovernment of Canadabond pays about 1.61 percent. Still, if you’re scaredof stocks, it’s a great wayto save your money.

2. Guaranteed IncomeCertificates (GICs) ?GICs are just like bonds,but they’re issued bybanks. You “lend” thebank money by buying aGIC and, when the invest-ment matures, you getyour money back, plus in-terest. Banks usually useyour money to fund otherinvestments. GICs areprotected by the CanadaDeposit Insurance Cor-poration, so in the unlikelyevent that a financial in-stitution defaults, you’llget your money back upto $100,000. The interestyou earn depends on thelength of the GIC. You canpurchase bonds that ma-ture in just 30 days or be-tween one and five years.The longer the term, thehigher the rate, but in atime of low interest rates,you’re not looking at hugeyields; Ally’s five-yearGIC, for example, pays2.75 per cent, the highestof the bunch. You can’tsell GICs, so most peopleuse them to park somecash for a short period oftime. If you know you’llneed to buy a new carnext year, put your sav-ings in a GIC. When itmatures, you’ll make alittle more cash than whatyou’d receive in a stan-dard bank account. Checkout ratesupermarket.ca tocompare GICs and getthe best deal for yourneeds.

3. High-yield savings ac-counts if you just want to parksome cash in a bank ac-count, consider a high-

cont'd on pg. 45

Exploring Your InvestmentChoices

So you have decided to sell yourhome and have retained a real es-tate agent to help you in the pro-cess. This does not mean that youcan allow your agent to make alldecisions on your behalf. Whilegood realtors can assist greatly inselling process, you must be awareof what they are doing and provideyour input at every stage.

Selling a residential property is acomplicated process. When sucha large asset is conveyed from one person toanother all details must be meticulously ad-dressed and handled. If not, they will turn intoheadaches when it is time to close. This articlefocuses on three common errors we frequentlynotice in Agreements of Purchase and Sale.

Survey Clause

Home buyers typically request the addition of aclause in the Agreement of Purchase and Sale(the “Offer”) requiring the seller to provide an‘up-to-date survey’ to the property on or beforeclosing. Be certain that, as the seller of theproperty, you actually have the survey in yourpossession before allowing this clause to creepits way into the Offer. Moreover, if the buyersrequire an ‘up-to-date’ survey, be sure that nomodifications have been made to your propertywhich would render your current survey out ofdate. If you had a swimming pool or deck builtor added an addition to your home and yourexisting survey predates such construction, itwill be out of date and you would be required tobear the cost of preparing a new survey whichcan range anywhere from $700-$1,000.

Today most buyers purchase title insurance inlieu of requiring a survey so suggest this to anypotential buyers who are insistent on a surveywhich you cannot provide. We bring this matterto your attention because we have seen manycases where sellers’ realtors permit the surveyclause to be added without consulting with theirclients. Be diligent and aware of every clausedrafted into the Offer.

Home Inspection ClauseMany real estate deals fall through because ofthe wording of the home inspection clause.These clauses typically state that buyers havethe right to rescind their offer if they, in theirsole discretion, are unhappy with the outcomeof their home inspection. In many cases, thisclause is used unfairly by sellers when the homeinspection report yields the requirement for onlya minor repair or two. When this happens, sell-

ers lose both time and moneyas they may have declinedother offers in favour of the onewhich has fallen through. Inaddition, your home may beunfairly labelled a ‘problemhouse’ which could cost you interms of the dollar amount ofsubsequent offers.The inspection clause shouldread that the seller has the op-tion to repair any items that thehome inspection flags. Thiswording protects both the buyer

and the seller. The buyer is assured that thehome they are buying meets objective struc-tural standards, and the seller is protected againstthe whim of a buyer who changes his mind.Not all real estate agents word this clause thisway, however, so it is important for you, as theseller, to be aware of this drafting option andconvey this to your real estate professional.Included/Excluded Chattels and FixturesThe key to retain from this final section is thatyou cannot assume ANYTHING! Your Offermust be crystal clear in respect of what itemsare remaining with the property and what itemsyou are taking away with you when your houseis sold. We have encountered dozens of in-stances where poorly worded agreements haveresulted in disputes on this issue.If, for example, the buyers are under the im-pression that ‘all electric light fixtures’ are toremain with the property but you wish to takethe antique dining room chandelier with youmake certain this is provided for in the agree-ment. Do not agree to any ‘standard’ all en-compassing provisions like ‘all appliances’ and‘all window coverings’ etc… without first doinga comprehensive inventory of what your homecontains and ensuring that you do not requireany exceptions. Do not ‘assume’ that the buy-ers will understand that you ‘meant to’ excludethat antique chandelier from the ‘all electriclight fixtures’ clause.Remember, in the context of an Offer for realestate, if it is not in writing it does not count. It isvery important that you have an experiencedlawyer review the offer to make sure you areprotected.Jayson Schwarz is a real estate lawyer and part-ner in the law firm Schwarz Law LLP.Konstantine Chatzidimos is the Senior RealEstate Associate at the firm. If you have a topicin mind, or a question, mail, deliver or fax let-ters to the newspaper or to the firm, call us(888-609-8888), use the web site(www.schwarzlaw.ca), email([email protected]) and give us your ques-tions, concerns, critiques and quandaries.

Errors to Avoid WhenSelling your Property


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TALKING FINANCES

By: Gabriel Quayson, Toronto

The article will discuss the pathfor the average Joe to take toreach their first million dollars.If your goal is to make a mil-lion dollars, there are a coupleof easy ways to reach yourobjective: 1-win the lottery, 2-Inherit the money, 3-Marrywealth, 4-Get injured and Sue,5-Start businesses.If you are looking for the easi-est path to wealth, inheriting themoney would have to be at thetop of the list. Of course youhave little control over this.Marrying the money wouldprobably be the next easiest,assuming you can find an ap-propriate spouse. You can buylottery tickets and hope for thebest. There is the well-wornpath to a lawsuit. The problemis, a lawsuit can take a longtime and there is no guaran-teed of successful outcome. Starting a business is the easi-est way available for your questof your first million. Starting asuccessful business is the sur-est, most controllable pathavailable to you for making amillion. The decision to start abusiness gets us to a key partof our conversation. There are

two mentalities at work in oureconomy today. Either you canbe someone else’s employee,or you can be the one who hiresthe employees. You can workfor a business, or you can owna business of your own.It is usually a good idea to bean employee when you firstembark on the path for mil-lions. There are lots of goodreasons to be an employee,initially. For example, being anemployee is a great way tolearn how a business works sothat you can open a businessof your own. You simply needto become an employee withthat approach in mind. Juniorlawyers who work for sea-soned lawyers before strikingout on their own could leavetheir old firm with loyal clients,precedents, contact, learnedsolution to common problemsthat would have taken themdecades to acquire if theystarted on their own.In other words, you work sothat you can learn the ropes.Go into the job with the inten-tion of learning everything youpossibly can while someoneelse pays you to get your edu-

cation. Many large corpora-tions even make a point of ad-vertising this fact. For ex-ample, McDonald’s says on itsWeb site: “You’ll be encour-aged to grow, learn and de-velop the broad-based skillsyou’ll need to move up fast —with McDonald’s Corporation,an independent McDonald’sfranchisee, or almost any com-pany in the world. Having suchexperience on your resume willopen eyes, not to mentiondoors.” Compare this to a nor-mal college education and youwill realize how great a dealthis is. When you are in col-lege, you pay to get educated.When you are an employee,someone else pays you to geteducated — it is a much betterdeal.

So let’s assume that you havemade the decision to start abusiness, and you have workedto learn the ropes. People arenot very kind to those who startunsuccessful businesses. Theinstant you are successful,however, you are a hero andthey start calling you an entre-preneur, wonder boy, the gifted,etc. The whole point of creat-ing a successful business, ofcourse, is to have it generatemoney. There are two ways toextract the money from a busi-ness you create. You can ei-ther take the money out as yougo along, in the form of a sal-ary and dividends. Or you cansell the business and take yourreward in a lump sum. Or, inthe ideal case, you do both.In the ideal case, the moneythat you pull out of the busi-ness is being generated as pas-sive income. For example, let’ssay you start a restaurant. Youhire all of the staff, and thenyou hire someone to managethe staff so the restaurant“runs itself” without you everhaving to actually be there.That is passive income. Ahouse you own that generatessteady rental income everymonth is another example.Author, Marshall Brian indi-

cated as follows:”Those whokeep trying eventually do suc-ceed. That is a fact of life.Luck favors the prepared, andit also favors the persistent”.You will hear people say,“Nine out of every 10 busi-nesses fail, so why bother?”Here is another way to look atthat — the chance of successis 10 percent. You start ninebusinesses that fail and then thetenth one succeeds and youmake a million bucks — thoseare damn good odds. Comparethat to a lottery, where, for ex-ample, 9,999,999 out of every10,000,000 tickets fail. And tensof millions of people play thelottery even though the oddsare that bad. Starting a busi-ness is not as easy as buying alottery ticket.

It is common knowledge that“Anything you practice getseasier.” The more you prac-tice something, the easier itgets. So the first business youstart is going to be hard. Youknow nothing. You will makemistakes. You will try thingsthat don’t work. The secondbusiness you start would be abit easier. And the next one iseasier still. Right now you lookat “starting a business” and itlooks hard. That’s becauseyou’ve never done it before.You haven’t practiced. Simplystart practicing and it will be-come trivial and eventually itwill be just like riding a bike,walking or playing yourfavourite video game.You are never going to get richpracticing video games. WhatI would suggest is that you stop

How to Make Your First Million Dollars

cont'd on pg. 44


Sadly announcing thepassing away of

Mrs. Patricia Zigah, 44

Mrs. Patricia Zigah died on Friday, September 21st 2012while visiting Toronto, Canada. She is survived by

husband Rev. Stephen Zigah of Fountain Gate Church,Tema and four children.

CELEBRATION OF LIFEFuneral Rites: Sunday, September 30, 2012Venue: The Apostles' Continuation Church Int'l

10 Belfield Road (Kipling/Belfield)Time: 3:00 p.m.

The Late Mrs. Patricia Zigah

The government, in thenext couple of weeks,plans to sell US$1.5 billionin foreign currency tokeep the cedi from resum-ing this year’s slide torecord lows against themajor trading currencieslike the dollar as the coun-try heads into elections inDecember.“We don’t want the cedito fall too low, and wedon’t want it to rise toohigh,” Adams Nyinaku,head of treasury at theBank of Ghana, said in aninterview in Accra. “If thecurrency weakens toomuch it affects importersand if it becomes toostrong it does not encour-age exporters.”The currency of WestAfrica’s second-biggesteconomy fell to a recordof 1.9575 a dollar on Aug7. as demand for foreignexchange to meet eco-nomic growth-driven im-port needs soared. Thecountry’s economy, whichgrew 14.4 percent lastyear following the start ofoil exports, is forecast toexpand 9.4 percent thisyear, according to the Fi-nance Ministry.To stem the cedi’s drop,the central bank increasedits key interest rate thisyear by 2.5 percentagepoints to 15 percent, of-fered new shorter-dura-tion Treasury bills to mopup excess liquidity andasked banks to increasecedi reserves kept with it.The cedi has gained 1.2percent this month andweakened 0.2% to 1.9105a dollar.Ghana’s central bank sellsdollars to the market ondemand from companiesthat import goods includ-ing fuel. That contrastswith other African centralbanks such as Nigeria andAngola where regularauctions of dollars areheld.Oil ImportsSo far this year, the cen-tral bank has sold $3.4 bil-lion, including $1.9 billionfor oil imports, Nyinakusaid. Of the $1.5 billion tobe sold before the end ofthe year, $1 billion will beused for imports of fueland $500 million for non-oil importers, he said.Spending by political par-ties before the electionsmay see companies’s cedicoffers rise and increasethe amount of local cur-

rency in circulation, ac-cording to Yaw Adu-Koranteng, a researchanalyst at Accra-basedGold Coast Securities Ltd.That could weaken thecurrency 1.5 percent fromits Sept. 17 closing of1.8955, he said in an in-terview.President John DramaniMahama will seek to winhis first term in office anda second parliamentarymajority for the rulingNational Democratic Con-gress party in the Decem-ber polls.Mahama, who replacedPresident John Atta Millsfollowing his death in July,faces Nana Akufo-Addoof the main oppositionNew Patriotic Party.

Reserves DeclineThe dollar auctions shouldbe enough to ease pres-sure on the cedi fromelection spending, accord-ing to Nyinaku. “I believesome of the political par-ties may even contributeto dollar inflows throughfinancial support frommembers abroad.”The West African nation’sgross international re-serves, from which it sellsthe U.S currency, de-clined to $4 billion in Julyfrom $4.1 billion in June,the central bank said in areport yesterday.The reserves will risewhen the bank exchangesthe Ghana Cocoa Board’sUS$1.5 billion trade-fi-nance loan for cedis in thefirst week of October,Nyinaku said. The boardthat regulates the cocoaindustry signed the loanwith banks on Sept. 12 forthe purchase of cocoabeans in the 2012-13 cropseason. The board in turnlends the money to li-censed buying companiesthat purchase the beansfrom farmers.Business confidence de-clinesThe Business ConfidenceIndex, computed from thelatest Bank of Ghana sur-veys, show a decline from96.4 in March 2012 to95.1 in June 2012, drivenby softened business sen-timents on the exchangerate, sales prospects,profit levels, as well ashigher inflation expecta-tions.Similarly, the ConsumerConfidence Index de-clined from 99.5 in May

2012 to 98.4 in July 2012driven by the lower macroconfidence sub index;however the consumerwelfare sub-index in-creased.According to the CentralBank’s Composite Indexof Economic Activity(CIEA) showed an annualgrowth of 7.7 per cent inJune 2012, compared to20.1 per cent in the sameperiod of 2011. The com-ponents which contributedto the growth in the CIEAwere industrial electricityconsumption, credit to theprivate sector and im-ports.Headline inflation re-mained unchanged at 9.5per cent in August, as itwas in July 2012. Foodinflation fell from 5.5 percent in July to 4.4 per centin August 2012, while thenon-food inflation compo-nent went up from 12.0per cent in July to 12.5 percent in August 2012.Banks tighten creditstance for enterprisesThe Credit Conditions sur-vey conducted by theBank of Ghana in July2012 revealed tightenedcredit stance for enter-prises and households’credit for mortgages. Thetightening of credit stancewas more pronounced forsmall and medium sizedenterprises on account ofinadequate cash flows tosupport repayment, weakfinancial performance andinadequate security, ac-cording to the survey.However, the creditstance on households’consumer credit continuedto ease.According to the CentralBank, the Private sectorcredit continued to showstrong growth in the firsthalf year. Nominal creditgrew by 41.3 per cent ona year-on-year basis toGH¢10.4 billion in July2012, compared to 25 percent a year ago. In realterms, credit to the privatesector recorded a 29 percent annual growth incomparison to 15.4 percent in July 2011.The banking industry’stotal assets was GH¢24.3billion in July 2012 com-pared with GH¢19.5 bil-lion in July 2011, and waslargely funded by 5 bankdeposits. Over the oneyear period to July 2012,total deposits increased to

Ghana cedi to rebound…. As govt prepares to sell US$1.5 Billion ahead of Election

cont'd on pg. 45


Community InformationMovement of United Ghanaians

Abroad( MUGA-GHANA FIRST )

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Youth JournalThe

MOVING FORWARD WITH OUR YOUTH THE FUTURE OF OUR COMMUNITY

The Ghanaian Newsonline Check it out

www.ghanaiannews.ca

By Kwabena Akuoko, MSW, RSW, Toronto

Nervous tension, other-wise known as stress is ei-ther the body or mind’s wayof responding to any kindof demand, and a pro-longed high level of it couldeasily result in burnout. El-evated stress level is usu-ally associated with tired-ness, sickness and also thelack of ability to contem-plate, or simply thinkclearly. This is a clear indi-cation that if not handledappropriately, stress couldhave tremendous negative conse-quences on one’s physical health andemotional or mental well being. Among some of the most tellingnegative physical and disturbing healthconsequences of stress are symptomssuch as persistent headaches or fatigue,change in sleep patterns, irritability, andlack of motivation, anger and dread ofgoing to work as well as the inability topay attention to life’s important respon-sibilities such as parenting. Stress caneven cause people to suffer severe men-tal breakdowns. Although it is an indi-vidual experience, nonetheless, stressaffects family dynamics in a profoundway. It is not uncommon for instancefor a parent, especially a mother’s stress-ful experience to be inadvertently ex-tended to her children of all ages. Thisdoes not however preclude the fact thatchildren occasionally go through theirown stressful experiences. Above all, parental stress particu-larly creates a climate of tension, worry,disruption and even chaos in the familyenvironment, which is supposed to besafe, secure and comfortable for chil-dren to grow up in. In this context, itdoes not take long for a parent’s stressto be observable in his or her children.Many known causes of children’sstresses are thus unsurprisingly linkedwith their parents’. Parental stress thushas significant effects on children regard-less of how parents try to hide it. So it isimportant for parents with young chil-dren to find positive coping mechanismsto deal with their stress instead of theusual attempts to hide it by pretendingthat nothing is out of the ordinary. Re-search simply suggests that stress iscontagious between children and parentseven if the affected parent is not awareof his or her own stressful condition be-cause any changes in their behaviour asa result of pressure inhibit effectiveparenting. While many parents try hard to hidetheir constant worries from closed fam-ily members, parental stress has consis-tently been linked with children’s anxi-eties. A serious stressful situation alsoinhibits parents’ ability to carry out manyimportant tasks, including parenting ap-propriately. And hence stress is recog-nized as a legitimate reason for takingtime off work. Unfortunately however,parents do not have the option of takingtime off from parenting responsibilitiesdue to elevated stress levels. A stressedout parent’s only viable option is to de-

vice his or her own positivecoping mechanisms to liveup to their parental respon-sibilities. Thus despite thefact that parental stress hasserious effects on childrenas a result of weakeningparents’ capability, they areforced to manage stressfulsituations and parental re-sponsibilities at the sametime. Consequently, aparent’s stress may quicklybe observable in their chil-

dren because ever-present parentalstress leads to a climate of uneasinessand severely disruptive and chaotic fam-ily environment, which are contrary tosafe, secure and comfortable setting toraise children. Many of parents mistakenly assumethat they can do a good job protectingtheir children from parental stress, butresearch indicates that children are morelikely than not to pick up on their par-ents’ stress anyway. Thus no matter howparents or caregivers try to hide it fromtheir children, parental stress affects chil-dren. Understanding and dealing withstress appropriately then can hugely pre-vent or reduce its negative effects onchildren of all ages. This is simply evi-denced by the fact that children and ado-lescents who are highly exposed to theirparents’ stressful experiences are morelikely and vulnerable to worries than theircounterparts with no or less exposure.Contrary to the general, but often mis-taken held belief that youngsters do notknow much, they can actually sense thattheir parents are stressed out and hencetend to be unduly anxious, frightened andhelpless. It is therefore always impor-tant for parents to explain any stressfulsituations to children at age appropriatelevel. Otherwise children may unneces-sarily blame themselves and assume thatthey have done something wrong tocause their parents’ anxieties. Stressevidently takes a toll on parents therebyresulting in decreased use of effectiveparenting skills with negative effects onchildren. Stress is a fact of life and is as aresult of so many things around us inour daily lives. Extreme stress level hasthe potential of inhibiting us to do impor-tant things in life such as the ability toparent effectively. An adult family mem-ber, especially a parent’s stressful situa-tion can escalate and result in negativeeffects on his or her children. Stress isreal or imagined reaction to situations,events or people that allow individualsto experience symptoms of worry, anxi-ety and even withdrawal or engagementin isolation. Relationships, including par-ent-child, can thus be significantly andnegatively altered by stress. It is thusextremely important for parents to rec-ognize their stress triggers and deal ef-fectively with them before they becomeobservable in their children. Parents’ability to take care of their own physicaland emotional well being is a good start-ing point towards combating parentalstress before it becomes noticeable theirchildren.

Parental Stress Has NegativeEffects on Children and Family

Dynamics

By: David Adade

November 10th, 2012 willmark the debut of theyouth choir album“Hope,” led by choir mas-ter Billy Deborah Grant,and will initiate the begin-ning of a recording seriesof spiritual devotion, fos-tering an evangelicalprowess that will em-power. The theme of thealbum, which is also itsname stems from a bibli-cal connotation, one thatis reminiscent ofmankind’s impendingdoom, and its apparentclaims to “Hope”, quotingEphesians 2:1-7.Hope is a belief that is in-herent to the ministry, con-stituting a moral persever-ance in the face of over-bearing obstacles; that itwas mankind’s right tohave faith when dealingwith adversity, and to bepatient. Billy saw this tes-timony as the shaping ideafor the project, which willbe to empower and en-lighten the masses. Thestory begins with a skep-

tic, who was blessed witha gift to shape a unitedvoice.The launching of the al-bum will be inducted as amilestone achievementfor the youth choir, but ofcourse the journey, orrather the trial towardscompletion wasn’t re-motely close to anythingeasy. Billy described thejourney involved “a lot ofplanning,” and a “vision ofactualization” to createwhat the choir had in-tended, and “transition thedream” into a physicalmanifestation. It wasaround May or June of2012 that Billy wouldcome to the realizationthat there was potentialfor the choir, but he wasnot without his share ofdoubts.Publishing fears and lackof exposure were thingsthat triggered his initialhesitation, but there werepeople close by to swayhis mind. It was a proce-dure that would require alot of moral sustenance,

whether it was from themembers of the choir, orthe church. PrinceDonkor, Deacon of thechurch, as liaison andformer choir leader, be-came an advisory aide forthe young choir. As a men-tor, he would guide themspiritually, and assist in thecollaborative process thatthe choir had undergone.Billy was reassured thatwhen the album debut, itwould be “well received”because of the choir’sreputational style that isbeloved by the congrega-tion of Living Word, andpossibly, others.The album titled, “Hope”is schedule to arrive earlyNovember and is sure tobe a hit amongst admirersof the gospel genre. Billystrongly believes that thealbum will be a reflectionof their determination asa growing choir, a groupfirmly engraved in spread-ing the message of Hope,and as adequate musi-cians with a wondroussound that will rouse thedoubtful.

The Premonitions of Hope: AMilestone Crafted through Faith

Debut of Living Word YouthChoir’s album, “Hope”

By: Vernon Ayiku

These are the facts: twoyears ago, when MayorRob Ford was only a citycouncilor, he used his citycouncil letterhead to sendletters asking for dona-tions to buy sports equip-ment for underprivilegedkids: for a Foundation thathe set up in 2010. Whiledoing this, Ford used theofficial city council signa-ture to ask city lobbyiststo support his personalfundraiser. By doing this,Ford violated the Munici-pal Conflict of InterestAct, which states and pro-hibits use of City Councilresources for personaluse. Mayor Rob Ford ad-mits to have never readthe document. The ques-tion now is whether theMayor made an honestmistake or knowinglycommitted a serious of-fense.Some might argue that

Ford’s heart was in theright place; that he merelyintended on raising moneyto keep at-risk-youth offthe street. Here are morefacts: City council hadasked Ford repay the sumof roughly $3100 back tothe donors. Rob Ford hasrefused.The problem is Ford isnow the Mayor and lob-byist groups and otherswho donated to his“cause” may now be at anadvantage when it comesto getting favourabletreatment from the City.He voted no on the Coun-cil resolution officially de-signed to repay the donorsmoney back. Is this not aconflict of interest? Whywas the mayor allowed tovote in the first place onthis issue?Without reading the Pro-vincial Conflict of Interestcode one can assume this

is another violation. Andyet, current Mayor RobFord did not opt to removehimself from the voting.In fact, no member ofcouncil demanded he re-move himself. It took a pri-vate Citizen named PaulMagder and a formalcomplaint to the city, toget the issue to trial.Conclusion from his ac-tions - Mayor Rob Fordbroke the rules. The ques-tion now is this: Is the of-fense serious enough tohave him removed fromoffice? Of course themoney did go towardsfootball equipment and nothis private funding. Butthe fact of the matter is,the Mayor was wrong inhis actions and has no realdefense, other then beingoblivious to the rules. Thisis not Rob Ford’s firstscandal and if he is al-lowed to stay in office, onecan guess it won’t be hislast.

Mayor Rob Ford’s Conflictof Interest Trail


Achievement Awards in pictures


Achievement

Rev. Joseph Osei-Amoah(Religion) with Dr. La-KumiJoseph Ashun (Professional Excellence) with

Ivan Torino, Country Sales Manager, Astra Qom

George Akwasi GyabaahAnderson, Politics recipeint with

Hon. Jean Augustine

John Alandi, CommunityService recipient with Fasil

Kasa, Ethiopian Airline

Keli Tamaklo (NationalHonor) with Chief EricJolliffe York Reg. Police

Patrick Benjamin Frans (Young Talent)with Kodjo Mawutor, Consul General

Abigail Amartey ( Academic)with Prof. Joseph Mensah

Jonathan Nii Anang Sowah (TeInnovation) with Jean Pierre,

Immunotec

Sam Kwaku Asare-Bediako (Contribu-tion to Music) with Gino Rosati

Deputy Mayor of Vaughan

Mary Sackeyfio (Commu-nity Service) with FasilKasa, Ethiopian Airline

Joel Nti Amankwah (Young Talent) withMr. Kodjo Mawutor, Consul General

Emmanuel Arthur (Entertainment) withEmmanuel Ayiku

Douglas Boakye Acheampong (Enter-tainment) with Emmanuel Ayiku

Sammy Ansah (Gospel Music) with GinoRosati, Deputy Mayor of Vaughan

Connecting Path Canada (CommService) with Fasil Kasa, Ethiopian

Dr. Yosef Kwamie (ProfessionalExcellence) with Ivan Torino,

Country Sales Manager, Astra Qom

Richard Addai (Sports) withManager of Arrow Truck

Lucy Crentsil (Gospel Music) withRosati, Deputy Mayor of Vaug

Albert Mc Ansah Isaacs (Aca-demic) with Prof. Joseph Mensah

Constable Charles Obeng(National Honor) with ChiefEric Jolliffe, York Reg. Police

Yusuf Serbeh (Business)with Rameshwer Sangha

Mr. & Mrs. Boahen (Business) withRameshwer Sangha

Foster Owusu (Business)with Rameshwer Sangha

Tiffany Emma Quaye(Sports) with Manager of

Arrow TruckDavid Asafua Inkumsah (Sports)

with Manager of Arrow Truck

Charles Kingsley Marful(Professional Excellence) with

Manager of Arrow Truck

Emmanuel Duodu (ProfessionalExcellence) with Ivan Torino, Country

Sales Manager, Astra Qom

Ewe Canadian Promo

Nana Kwadwo Effah and John OwusuMensah (Community Service)

Fasil Kasa, E

VEt

Vincent Oppong Kyekyeku(Young Talent) with Mr. Kodjo

Mawutor

Prof. Noble Donkor (ProfessionalExcellence) with Chief Eric Jolliffe,

York Reg. Police


Awards 2012

echnical VP of

munityn Airline

h Ginoghan

Cultural Org. of Ontario (Culturalotion) with Foster Owusu

DANIPA with Emmanuel AyikuFrom left: Mr. Joe Kingsley Eyiah, Mrs. Yvonne Kuffuor, Dr.

Michael Baffoe, MCs

Supt. Patience Quaye

Ethiopian Airline (Sponsor)

Evelyn Quist (poet)

Lucy Crentsil (L) singing ofNational Anthem with MCs

Mrs. Victoria Mintah Marfo (L) and Mrs. Comfort Ayiku

Presentation of Scholarshipto Ghanaian News by

Roberto Hausman, PoliceFoundation

Hon. Jim Karygiannis (MP Scarborough-Agincourt) with Mr. & Mrs. Ayiku

Hon. Judy Sgro (MP York West) withEmmanuel Ayiku

Mr. Kodjo Mawutor,Consul General

Emmanuel Ayiku,Publisher of

Ghanaian News

Chief Eric Jolliffe, York Regional Police with Deputy Mayor ofVaughan and invited guests

Dignitaries

Vincent Crisanti (Councilor Ward 1 -tobicoke North) with Emmanuel Ayiku

Ghanaian News team with Hon. Jean Augustine

Emmanuel Ayiku with York Regional Police Chief Eric Jolliffe, Deputy Mayor ofVaughan Gino Rosati, Roberto Hausman and other Police Officers

Traditional Dancer,Agartha

George Anderson, Abigail Annobil, Vernon Ayiku

Pastor Ebow Bonnie


PEOPLE AND PLACES2 Roman Catholic Fathersfrom Ghana visit Toronto

Abes Music Foundation organizesBBQ for its students for their session

ceive Queen s Diam

David NiiLarmie Tetteh

wedsAmandaOwusuahOsei atFruitful

House onSunday

September 9,2012

From left: Deacon Joseph Owusu Afriyie (St Andrews), Father John Owusu Frimpong(Koforidua Diocese-Suhum), Fr. Raphael Frimpong (Koforidua Diocese-Somanya), Fr.

Alex Osei (St. Andrews), Fr. Joseph Gyim Austin ( Saskatoon Diocese)

A delegation of 16 women po-lice officers from Ghana at-tended the 6 days InternationalAssociation of Women Police(IAWP) held in St. Johns, NewFoundland, Canada.

It was led by SuperitendentPatience Quaye, Director of theAnti-Human Trafficking Unit(CID) of the Ghana Police Ser-vice. The mission of the asso-ciation is to raise the profile ofwomen in criminal justice inter-nationally. 750 delegates from54 countries including Ghanaattended the conference.

During the conference, Supt.Patience Quaye was elected asthe Coordinator for Region 18-Africa, with Audrey LeahMofomme as Co-ordinator toassist her, for 3 years.

According to Supt. PatienceQuaye, Ghana has gone a longway in women policing. Ghanacelebrated 60 years of Women

in Police Service on 2nd Sep-tember this year. At the mo-ment there are 6308 Womenin the Police Force with 138of them as officers. The cur-rent ambassador to SierraLeone, H.E. Elizabeth MillsRobertson was the first womanInspector General of Police inGhana.

During President Obama’svisit to Ghana in 2009, he ac-knowledged the exceptionalwork of 2 Ghanaians. Theywere ace investigative reporterAnas Aremeyaw Anas andSupt. Patience Quaye, Direc-tor of the Anti-Human Traf-ficking Unit. She also said thatthe Police Ladies Associationwas formed 22 years ago andthat efforts are being made toeducate all women in the Po-lice Force to join the associa-tion of Women Police inGhana. The delegation hassince returned home.

Ghanaian Police Officers attend conference in CanadaBy Jonathan Annobil, Toronto

Supt. Patience Quaye (2nd right sitting) and Mr. Kodjo Mawutor, Consul General for Ghana inToronto and other officers

StudentsBBQ Times


mond Jubilee Awards

Benjamin Osei, a Youth Activistand Chief Evans Amoah-Boateng (Okyeame Dogo), a‘Cultural Ambassador’, allbased in Toronto were amongthe 43 recipients from the YorkWest constituency in the GreaterToronto Area who were hon-ored with Queen’s medals onSeptember 14, 2012.The Queen’s Diamond JubileeMedal presentation which was

2 Ghanaian-Canadians among Outstanding Citizenshonored with Queen’s medals in York West

From Joe Kingsley Eyiah, Toronto

organized at the JamaicanCanadian Association Hallin Toronto was presentedby Hon. Judy Sgro, Mem-ber of Parliament (MP)for York West and MarioSergio, Member of Pro-vincial Parliament (MPP)for York West.The CommemorativeMedal for Her MajestyQueen Elizabeth II’s Dia-

mond Jubilee was created to mark the60th anniversary of Her Majesty’s ac-cession to the Throne on February 6th,1952. It is awarded to those personswho have made a significant contribu-tion to Canada, to their community or

to their fellow Canadians.A total of 60,000 outstanding Cana-dian citizens were selected throughoutCanada for the Queen’s Diamond Ju-bilee medal awards.

Chief Evans Amoah-Boateng (Okyeame Dogo) and Benjamin Oseireceiving their awards

Hon. Judy Sgro and some of the recipients


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At just 19 years old, ProscoviaAlengot Oromait was recentlyelected to Ugandan Parliament,making her the youngest (andfirst teenage) politician in all ofAfrica.

She had plans to go to collegeafter graduating high school lastyear, but those plans were de-railed when her father, also apolitician, died in July. She de-cided to run for his spot as aParliament member in their lo-

cal Usuk county, and ended upwinning by a large margin, withalmost twice as many votes asthe race’s runner-up

Some, naturally have ques-tioned her age. But Oromait

said in a local TV interview thatage shouldn’t be a concern: “Itdoes not matter. It’s not agethat works, it’s the brain andthe knowledge that one has.”

Oromait is not the world’s firstteenage Parliament member.Sweden elected an 18-year-old in 2010, while Canada

elected a 19-year-old in 2011.

Outside of working on herfather’s campaigns, Oromait’sexperience comes from school,where she headed the debateclub, the school newsletter, andthe patriotism club. In Parlia-ment, she says she’ll focus onthings like improving roads andeducation.

19 year old first teenager federal law maker in Africa

Proscovia Alengot Oromait

A plane heading for the Everest re-gion has crashed on the outskirts ofNepal’s capital, killing all 19 peopleon board including seven British tour-ists.The plane, operated by Sita Air, camedown minutes after take-off fromKathmandu. Officials said it crashedinto a river bank and caught fire.Sixteen passengers and three crewwere on board the twin-propellerDornier.The UK Foreign Office has con-firmed the British deaths and said rela-tives have been informed.As well as the seven Britons, fiveChinese nationals and seven Nepalinationals were on the plane, includ-ing the three Nepalese crew, police

and aviation officials said.Friday’s plane crash has once againdrawn international attention toNepal’s poor air safety record.The crash is the second this year.Four months ago, 15 people diedwhen an Agni Air plane carrying In-dian pilgrims to a Hindu religious sitein northern Nepal crashed at a high-altitude airport.In September last year, another planeon a mountain sight-seeing flightcrashed into a hillside nearKathmandu, killing all 19 people onboard.Since 1949 - the year the first aircraftlanded in Nepal - there have beenmore than 70 different crashes involv-

Nepal plane crash:Seven Britons killed

cont'd on pg. 43


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From the beginning of thisyear when political cam-paigning for the Decem-ber 2012 Presidential andParliamentary Electionsstarted in Ghana, we haveheard countless pleas andadmonitions from varioussectors of Ghanaian soci-ety imploring citizens toensure that the comingelections are peaceful.Who wants violence toengulf the country duringor after the elections? Wemay all be tempted to say,“no-one”. But the answeris that there are certainlysome people in Ghanawho are gunning for vio-lence around the electionsin Ghana.The call for peace hascome from the highest lev-els of the political estab-lishment. Before formerPresident Mills died “en-suring peace in the De-cember 2012 elections”was his favorite line inevery speech he gave. Iwatched and listed to himdeliver an address to Gha-naian workers at the MayDay celebration rally atthe Sunyani CoronationPark in the Brong Ahaforegion. He vowed that hewould spare no efforts toensure peace in the com-ing elections and that“Ghana is our only home”and we need to protect it.Well said, from the fatherof the nation. Since thenand before he died tenweeks later, he alwaysstressed the need and im-portance of peace duringand after the elections.Since President Mills died,the mantle for calling forpeaceful elections hasfallen to his successor,John Dramani Mahama.He has been hammeringthe “peace” gospel every-

where he has had the op-portunity to interact withpeople. His operatives inhis NDC party and gov-ernment have also takenup the clarion call to ham-mer home the peace gos-pel. This call for peace hasbeen taken up by othercommunity and opinionleaders in the country.The religious leaders havealso taken it up praying“ceaselessly” and preach-ing “peace” at every givenchurch opportunity.It is however disturbing tonote that the “peace” thatPresident Mills, Mahamaand their party and gov-ernment officials havecalled for is not the sameconcept that we all under-stand. Various actionsand utterances by theNDC and its governmentofficials do not show thatwe are all on the samepage when it comes to in-terpreting and ensuring“peace” in Ghana duringand after the elections.The NDC governmentand its party machineryhave engaged in certainacts as well as utterancesthat do not bode for“peace”. For starters, thegovernment, using theElectoral Commission, asits ‘agent provocateur”has embarked on an ac-tion which to all intentsand purposes will createchaos which will in turn

lead to violence.The government decidedto create new DistrictAssemblies after the re-port of the last nationalCensus was released in2011. They argued thatthe census figures showthat certain Districts inthe country needed to besplit up to ensure fair andequitable representationof the people. For all weknow as public knowl-edge, the census figureswere so flawed that Gha-naians do not have anyconfidence in the figuresthat the Ghana StatisticalService produced fromthe census. The idea ofcreating new Districtswas just a ploy for some-thing bigger to come. Fewmonths after the new Dis-trict Assemblies were an-nounced, the ElectoralCommission, a supposedly“independent” body, an-nounced that it was goingto create 45 new constitu-encies out of the existing230. The argument of theCommission was that thenew Districts that havebeen created need to beserved by members ofParliament as well. Itclaimed its power to do sofrom the 1992 Constitutionof the Republic of Ghana.No-one has challengedthe power of the ElectoralCommission to exercisethe power given to it un-der the Constitution.However we need to lookat this issue from threeangles: Firstly, why do weneed as many as close tothree hundred (300) Mem-bers of Parliament for acountry the size of Ghanaand its population of 25million people? Whatpositive impact has thecurrent 230 Members of

Parliament brought untothe lives of Ghanaian citi-zens to warrant the addi-tion of another 45 whowill all be found nice ac-commodations in Accraand given public “loans”to buy official cars forwhich they have no inten-tion of paying back any-way?A lot of people have raisedissues with the actions ofthe Electoral Commissionat this time. People havebeen arguing that the pur-ported creation of the 45new constituencies onlytwo months to the elec-tions will be recipe forchaos and disaster. TheElectoral Commission hasstaunchly refused to listento any complaints or rea-soning from the generalpublic. It must be notedthat the ruling party andgovernment is stronglybacking this ElectoralCommission’s action.Some people have evenargued that the idea andprocess for the creationof these new constituen-cies were mooted by thegovernment itself. TheElectoral Commission ismerely carrying out theorders and wishes of itsmaster and funder.Recently, an audio tapeemerged and was airedon the radio waves inGhana in which the na-tional organizer of the rul-ing NDC was heard dis-cussing plans to causechaos and violence inGhana during the elec-tions with a back-up planto blame it on the opposi-tion NPP if and when theplan backfires. The NDCnational organizer washeard discussing how theparty had recruited thugswho would be given iden-tification tags of the Na-

tional Security Agency.Their duty will be just togo out there during theelections and generateviolence.Since the tape aired, manyopinion leaders in Ghanahave called for the arrestof this man called GyanBoateng. The Presidentof the country, JohnDramani Mahama, whohas been leading thepeace “gospel” choir hassaid nothing and donenothing about this explo-sive and sinister ploy toplunge the country intochaos and potential vio-lence during the elections.It should be recalled thatwhen Assin North MPKennedy Agyepong saidsomething similar, but ofless severity on radio lastyear, the government senttwelve armoured cars toarrest him. They chargedhim with all kinds of stu-pid charges, from treasonto terrorism. President

Mahama’s own nationalparty organizer is planning,with the approval of theparty, to use state appa-ratus to cause violenceand the President saysand does nothing? Doeshe have any more moralauthority to preach“peace”.It seems to me that the“peace” that is wishedfor Ghana during the elec-tions is on the terms andconditions of the rulingand current government.“Peace”, to them is whenthe other parties and citi-zens shut up and do notcomplain when the gov-ernment and its party en-gage in illegal acts duringthe elections. I submit thatthis peace gospel accord-ing to Mahama and oth-ers is a recipe for disas-ter in Ghana, come De-cember 2012. They bet-ter stop preaching thispeace gospel. It sounds sohollow and dishonest!!

The “Gospel” of peaceful Elections in Ghana


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ing planes and helicopters, inwhich more than 650 peoplehave been killed.While the lat-est crash appears in part dueto exceptional circumstances,critics say that many passen-ger aircraft in Nepal are oftenpoorly maintained, one of themain reasons for so manycrashes.But critics say that there is alsoanother serious malaise inNepali aviation - a regulatorybody that has consistentlyfailed to prevent airline opera-tors from cutting corners onsafety in what is a competitivemarket.The British Embassy inKathmandu said the UK am-bassador had gone toTribhuvan University Teach-ing Hospital, where the bodiesof those who died had beentaken.The cause of the crash is notyet known. However, the gen-eral manager of Tribhuvan In-ternational Airport, RatishChandra Lal Suman, said it ap-

peared that the plane hadstruck a bird.He said air traffic control con-tacted the pilot after noticingan unusual manoeuvre minutesafter take-off and the pilot saidhis plane had hit a vulture.Mr. Suman said the plane hadbeen attempting to get back tothe airport when it crashed.Nepalese officials later saidthat the flight recorders hadbeen recovered from thewreckage.

They said initial reports sug-gested the crash happened asthe pilots tried to change direc-tion and land again after suf-fering “technical glitches”.Nepalese Prime MinisterBaburam Bhattarai promisedto take action to prevent simi-lar accidents, but did not givedetails.“I am saddened by the deathof the locals and foreign na-tionals in the plane crash. I paycondolences to the families ofthe dead,” he said.

Nepal plane crash: SevenBritons killed

cont'd from pg. 40

cont'd on pg. 60


By Golda Abena Quayson

View Point Community Concerns

Doris Osei Bonsu,Crisis Counselor,

Toronto

A new school year is insession and there are a lotof expectations on bothteachers and parents. Par-ents expect teachers to domuch for their children andteachers also expect par-ents to play their part intheir children’s education.This school year journeyfor children can be suc-cessful if teachers and par-ents work together as a team.

The relationship between teachers andparents is an extremely powerful com-ponent in student success. Yet so manyparents go through the school year with-out communicating with the teachers oftheir children or understanding what todo or not to do. Many African parentsbelieve that they have no role to play inthe school and that their authority endsat the school gates. Many avoid or anddo not make time to see their children’steachers throughout the school year. Thisis wrong!

One of the most important things teach-ers expect parents to do is to make timeto participate in some activities inside theschool or outside the school. Teachersexpect parents to monitor and planproper bed times for their children toenable them to function properly duringschool hours. We all know that if a childor even adult does not get proper rest orsleep, we cannot function properly dur-ing the day at school or work.Teachers expect that parents do not dotheir children’s homework for them, butwork with them. It is important to letyour child teach you what she/he islearning in school for you to gain an un-derstanding of his/her progress or diffi-culties. Check on homework regularly,but don’t do it for the child! It’s impor-tant to review your child’s homework,but if she gets an answer wrong, takethe time to help him/her understand why.“Please don’t just tell her the right an-swer,” Nelson says. “That defeats thepurpose of homework!”Let your childunderstand that you would not be presentduring her/his test or examination time.Check children’s agendas and take-homefolders every night. According to theNational PTA, talking with your childrenis one of the most critical steps of healthyparenting. Communication is the key toa successful parenting. Not only doesthis help you stay on top of updates andwhat’s going on in the classroom, but italso shows your child that you are check-ing in.Teachers expect that parents should trustthem when their child is misbehaving inschool. In the same vein, parents shouldnot always accept the reports and thecomplaints that come from school abouttheir children, but rather make an ap-pointment to see the teacher to discusswhatever the report is about. Trust inthe teacher’s feedback. Just because achild doesn’t exhibit a particular behav-ior at home doesn’t mean he doesn’texhibit that behavior in the classroom.So if a teacher reports a particular be-havior that you haven’t seen before,don’t rush to say, “Well, I’ve never seenhim do that.” The classroom and home

environments are quitedifferent, and oftentimeschildren behave differ-ently when forced to fol-low rules and work withpeers. Listen to what theteacher has to say andwork with him/her to finda solution.Remember that theteacher is on your side.Teachers truly care aboutyour children and wantthem to be successful.

“The child’s success is our success,”explains Nelson. If your child’s teachercontacts you about a problem or some-thing that happened at school, under-stand that the teacher is trying to workwith you to resolve any conflicts that maybe getting in the way of your child’s suc-cess. Don’t show up for a meeting un-announced. It’s great if you want to meetwith a teacher to discuss an issue or chatabout your child, but don’t show up atschool without any warning. Instead,schedule a time to meet, not only doesthis show that you respect the teacher’stime, but it also gives him/her time toprepare for the meeting and provide youwith everything you want to know.Don’t go over the teacher’s head. Ifyou’re having an issue with the teacher,your child, the subject matter or the class-room in general, talk directly with theteacher before going to the principal orother administrators. Ninety-five per-cent of the time, a problem can be re-solved between the teacher and parentwith a simple phone call unless it is re-ally necessary to show up. Address be-havior issues at home. Children don’tenjoy getting in trouble, so when theycome home and tell you about how meanthe teacher is, keep in mind they may betelling the story in a way that they won’tget punished. If this happens, try to getto the heart of the issue and uncover thefacts so you can address it.Teachers expect parents to provide andteach their teens good nutrition habitsand for the younger ones, pack properhealthy lunches. Studies show that mostof the snacks that contain high salt andsugars cause and increase behaviouralproblems. Establish a regular routineeach night. This includes having childrenpack their backpacks the night before;to make sure they have everything theyneed for school the next day. “The num-ber one thing students tell teachers is,‘My homework is done, but I left it atsitting on the table or I forgot my lunchin the fridge,’” A simple evening routinecan prevent this and prevent childrenfrom feeling rushed or disorganized inthe morning.

Make an effort and go to Open HouseNight. A good parent-teacher relation-ship leads to a good student-teacher re-lationship, so don’t skip the open house!Most teachers honestly have stated thatthey have never met parents in an en-tire school year. This is a sad fact. Usethe open house as a time to get to knowthe teacher, ask questions, uncover ex-pectations, address problems and findout what’s going on in the classroom. The parents-teacher interaction rests onthree principles: respect the teacher, beinvolved and be organized” and that willhelp your child to succeed.

What Teachers expect Parents toKnow during the School Year

An out of control youthis a teenage boy or girlwho has no respect forthe authority of parentsand/or the conventions ofsociety. Many parentsknow that only too well.What they usually do notknow, is how to deal withthe problem. It is not onlythe being of the youth thatis threatened; it is well-being of the entire familythat is at risk with thepresence of an “out-of-control” youth . Parentslose heart and becomestressed, anxious, de-pressed, and often ill inthe process. An out-of-control-youth can evenaffect the health and well-being of other membersof the family.

Lets’ be clear exactlywhat we mean when wespeak of an out of con-trol youth. Many teenag-ers today go through pe-riods of rebellion or un-happiness. This is oftendescribed as teenageangst. They may growout of it in due course,with no lasting harmfuleffects. But when a youthor teen is described asout of control, it meansthat nothing the parentsdo has an effect on their

behavior. These teens areeffectively a law untothemselves, until the po-lice or law enforcementagents step in.

Usually other authorityfigures like teachers, min-isters of faith and evenbus drivers are treatedwith the same contemptby an out of controlyouth. At the same time,we should not be toohard on our youngpeople. If a youth hasgone out of control, youcan be rest assured thatthe loving, caring childyou once knew is still inthere somewhere, butthat his or her life hasbeen overcome by a num-ber of factors that mayinclude, but not limited to:* Bitterness* Anger* Inferiority feelings* Low-self-esteem* A sense of injustice* A feeling of confusion.Often, an out of controlyouth does not evenknow what is driving thisbehavior.

This emotional web cancause parents to despair.After all, as far as they areconcerned they did theirbest. Other kids in the

same family turned outwell, what went wrongwith Daniel or Bernice isoften the question theyask themselves.

What we forget is that,each child is an individual.Most parents just do notknow what is causingtheir out of control youthto behave as they do.This can be very de-pressing to parents. Thatis why expert help is re-quired. Doing it alone isthe rock many parentsflounder on. They try todeal with it as much asthey can until they losecontrol of the situation.Often they are ashamedto admit the problem, asthey feel they will bejudged as ineffective par-ents.

There are programs youand your child can par-ticipate. You can also at-tend forums and work-shops to learn moreabout how to deal without of control youth.Seek psychologicalcounseling for your childas well as enrolling him inrehabilitative programs.An old adage admon-ishes us that ‘the soonerthe intervention, thesooner the cure”.

PARENTING AN OUTOF CONTROL YOUTH

playing video games and getrid of your television. Take themusic off your iPod. Insteadgo get some books-on-CD thattalk about starting businesses. Put those on your iPod and lis-ten to them over and overagain. The first time you lis-ten, they might not make muchsense. That’s because all of thematerial is new. The secondtime through the book willmake a lot more sense. Andthen the third time you will un-derstand what is going on.Practice makes perfect. Here is how America works.What we’ve got is a $10 tril-lion economy. That means that,all over this nation, there arepeople handing each other $10

trillion in return for goods andservices each year. You callup Domino’s and pay $10 for apizza — that is0.0000000001% of the Ameri-can economy. You actuallyplay a role in that $10 trillionfigure every time you buysomething.Your job is to look at the Ameri-can economy and all thepeople in it. Now think to your-self, “What can I do that someof these people need? Whatcan I do that would make theirlives better in some way, andthey would be willing to paymoney for?” All you need todo is figure out a way to snag0.00001% of the money flow-ing around in the Americaneconomy in one year and you

have made a million dollars. The business you establish/start does not have to be a com-plicated idea, and it does noteven have to be original. Forexample, let’s take the idea ofselling pizza. People like pizza— you know that. If you canstart a pizza restaurant, and ifyou make $1 profit off of eachpizza you sell, and if you sell amillion pizzas, you have madea million dollars. It has hap-pened before. Ever heard ofDomino’s? Papa John’s?Pizza Hut? Little Caesars?Chuck E Cheese’s? PizzaNova? Pizza Pizza? Lots ofpeople have made a lot ofmoney selling pizza. And it willhappen again.

How to Make Your First Million Dollarscont'd from pg. 29


LifestyleThis column is devoted to answering your questions

on health and discusions of diseases which arecommon among the African Canadians.

Ask The Doctor By: David Yaw Twum-Barima, MD, MSc, FRCPC

yield savings account.These accounts havehigher interest rates thanregular savings accounts,though some of them re-quire a minimum balanceoften $5,000 to get thathigh yield. If you fall be-low the minimum youcould get dinged with anot-so-insignificant fee.Be careful to avoid ac-counts with transactionfees if you think you’ll bemaking frequent with-drawals. Online banks,such as Ally and ING, of-ten have better interestrates (lately between oneand two per cent) and nominimum balances orfees.

4. Corporate bonds?corporate bonds can berisky, but they can alsogive your portfolio amuch-needed income in-fusion. Essentially, you’relending business moneyand in return they’re pay-ing you interest. A com-pany is more likely to gobankrupt than a country,so investors get a higheryield on corporate debtthan on federal bonds of-ten at least two per centhigher, with some corpo-rate bonds offering evenmore income. Corporatesare still considered saferthan stocks, but makesure to stick to highly ratedbonds (all bonds are ratedby rating agencies such asStandard & Poor’s) BBBand above. Be carefulwith lower-rated bonds(ratings go from AAA,which is the best, to D, theworst) as there’s more ofa chance the companywill default on its loansand you’ll lose your in-vestment.

5. Mutual FundsA mutual fund is a type ofp r o f e s s i o n a l l y -managed collective in-vestment vehicle thatpools money from manyinvestors topurchase securities. Whilethere is no legal definitionof mutual fund, the termis most commonly appliedonly to those collectiveinvestment vehicles thatare regulated, available tothe general public andopen-ended innature. Hedge funds arenot considered a type ofmutual fund.Mutual funds are pack-aged in many different“flavors” or industries.Depending on your indus-try preference or risk tol-erance you can makeyour selection accord-ingly.

6. Segregated Funds?“Seg” funds are a lotlike mutual funds they’refunds that hold a basketof stocks but they’re is-sued by insurance com-panies. Yes, you’re play-ing the market, but there’sone big difference be-tween” seg” and mutualfunds: Your principal isguaranteed. That meansthe market can fall tonothing and you’ll still getback what you put in; andif it rises, you get yourmoney plus the higher re-turns. Sounds great, right? Thereis a caveat. You have tohold the fund for between10 and 15 years beforegetting that principalguarantee. Fees are alsohigher. Only consider thisoption if you really thinkthe market won’t improvemuch over the next de-cade.

7. Exchange TradedFunds (EFTs)

An exchange- t radedfund (ETF) is an invest-ment fund traded on stockexchanges, muchlike stocks. An ETF holdsassets such as stocks,commodities, or bonds,and trades close to its netasset value over thecourse of the trading day.Most ETFs trackan index, such as a stockindex or bond index. ETFsmay be attractive as in-vestments because oftheir low costs, tax effi-ciency, and stock-like fea-tures. ETF combines thevaluation feature ofa mutual fund or unit in-vestment trust, which canbe bought or sold at theend of each trading dayfor its net asset value,with the tradability featureof a closed-end fund,which trades throughoutthe trading day at pricesthat may be more or lessthan its net asset value.

8. StocksInvestment in dividendpaying stocks with poten-tial for capital apprecia-tion. Some people are ofthe view that stock trad-ing is a risky investmentand not a place for thefaint hearted. I have a dif-ferent view from this per-ception. Stocks selectedbased on strong funda-mentals and leading fac-tors can outperform otherinvestment vehicles men-tioned beforehand.

In my next article I willpresent some of the indi-cators to watch out forwhen selecting stocks forinvestment. Stay tuned!

Exploring Your Investment Choicescont'd from pg. 28

GH¢17.6 billion fromGH¢13.8 billion.The quality of the bank-ing industry’s loan portfo-lio improved in the periodunder review. Non-per-forming loans ratio de-clined to 13.4 per cent inJuly 2012 from 16.4 percent in July 2011. TheDMB’s solvency as mea-sured by the Capital Ad-equacy Ratio continued tobe strong and was abovethe statutory minimum of10 per cent, although itdeclined to 15.5 per centin July 2012 from 17 percent in July 2011.Growth in broad moneysupply slowed down sig-nificantly from 42.6 percent in July 2011 to 27.7per cent in July 2012. Themain source of changewas from Net DomesticAssets (NDA) of thebanking system.Investors shift to longdated instruments

Investors in the countryhave shifted their invest-ment portfolio to longdated instruments as in-terest rates continued totrend upwards in themoney market.BetweenDecember 2011 and Au-gust 2012, the rates on 91-day treasury bills rose to22.7 per cent from 10.7per cent, while 182-daybills rates moved to 22.9per cent from 11.3 percent.1-year fixed notesreached 22.5 per centfrom 11.3 per cent. Simi-larly, 2-year fixed notesincreased to 23 per centfrom 12.4 per cent. 3-yearfixed notes increased to24 per cent from 14 percent, while 5-year bondswent up to 23 per centfrom 14.3 per cent.The interbank weightedaverage rate increased to16.8 per cent in August

2012 from 6.6 per cent inDecember 2011.The average 3-month de-posit rate increased to 10per cent in July 2012, from7.8 per cent in December2011, while average lend-ing rates declined to 24.7per cent from 25.9 percent in the same period.On a year to date basis,therefore, the lending de-posit spread narrowed to14.7 per cent in July 2012,compared to 18.2 per centin December 2011.Base rate quotations forbanks ranged between12.7 per cent and 26 percent in July 2012. On theaverage, bank’s baserates fell to 20.5 per centin July from 25.9 per centin May 2012, despite themonetary policy rate hikesand increasing trend ofrates on money marketinstruments.ECONOMY TIMES

Ghana cedi to reboundcont'd from pg. 30

When your child gets themunchies, be prepared tooffer a quick-and-healthyfix. Start with these 10tips for healthier children’ssnacks.

Snacking is a major pas-time for many kids — andthat’s not necessarilybad. Snacking can helpyour child curb hungerthroughout the day, aswell as provide energyand important nutrients.But the quality of thesnacks is key. Considerthese 10 tips for healthierchildren’s snacks.1. Keep junk food out ofthe house.Your child won’t clamorfor cookies or candy barsif you don’t keep themon hand. Instead, set agood example by snack-ing on healthy foodsyourself.2. Go for the grain.Whole-grain snacks —such as whole-grain pret-zels or tortillas and high-fiber, whole-grain cereals

— can give your childenergy with some stayingpower.3. Mix and match.Serve baby carrots orother raw veggies withfat-free ranch dressing.Dip graham crackersticks or fresh fruit in fat-free yogurt. Top celery,apples or bananas withpeanut butter.4. Broaden the menu.Offer out-of-the-usualfare, such as pineapple,cranberries, red or yel-low peppers, mangoes,tangelos or roasted soynuts.5. Revisit breakfast.Many breakfast foods —such as low-sugar,

whole-grain cereals andwhole-grain toast —make great afternoonsnacks. Likewise, a smallserving of last night’s cas-serole could double as anafter-school snack. continued:Children’s snacks: 10 tipsfor healthier snacking6. Sweeten it up.Healthy children’s snacksdon’t need to be bland.To satisfy your child’ssweet tooth, offer fat-freepudding, frozen yogurt orfrozen fruit bars. Or useskim milk, fat-free yogurtand fresh fruit to makeyour own smoothies.7. Have fun.Use a cookie cutter tomake shapes out of low-fat cheese slices, whole-grain bread or whole-grain tortillas. Eat dicedfruit with chopsticks ormake fruit kebabs. Makea tower out of whole-grain crackers, spellwords with pretzel sticks,or make funny faces on aplate using different types

of fruit.8. Promote indepen-dence.Keep a selection ofready-to-eat veggies inthe refrigerator. Leavefresh fruit in a bowl on thecounter. Store low-sugar,whole-grain cereal andfruit canned or packagedin its own juice in an eas-ily accessible cabinet.9. Don’t be fooled by la-beling gimmicks.

Foods marketed as low-fat or fat-free can still behigh in calories. Like-wise, foods touted ascholesterol-free can stillbe high in fat, saturatedfat and sugar. Check nu-trition labels to find outthe whole story.10. Designate a snackingzone.Restrict snacking to thekitchen. You’ll save yourchild countless calories

from mindless munchingin front of the TV. If yourchild needs to snack onthe go, offer stringcheese, yogurt sticks,cereal bars or other drip-free items.Teaching your child tomake healthy snackchoices now will set thestage for a lifetime ofhealthy snacking. Starttoday! Modified from MayoClinic Housecall.

Children’s snacks: 10 tips for healthier snacking


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Jesus Is The Answer Salon2475 Finch Ave. W., Toronto, Ont.,

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Specialized In:All Types Of

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416-660-9991

416-569-2453

Gladys

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The future of Somalia andthe well-being of itspeople rests significantlyon empowering its largeyouth population, said theUnited Nations Develop-ment Programme(UNDP) today at anevent in New Yorklaunching the agency’shighly-anticipated SomaliaHuman Development Re-port 2012: Empoweringyouth for peace and de-velopment. This is thefirst report of its kind onthis war-torn Horn of Af-rica country in more thana decade.“As witnessed in the Arabregion and elsewhere,young people can serveas potent drivers of politi-cal, social and economictransformation,” said key-note speaker SimaBahous, UNDP’s Re-gional Director of the Re-gional Bureau for theArab States. “We can nolonger afford to overlookthe potential gains fromplacing youth at the cen-ter of Somalia’s develop-ment,” she said, addingthat over 70 percent ofSomalia’s population isunder the age of thirty.The launch follows theSomalia mini-Summit

which took place thisweek during the UN Gen-eral Assembly, where thecountry’s newly electedpresident, Hassan SheikhMohamud, joined theUnited Nations Secre-tary-General and key So-mali policymakers viavideo conference fromMogadishu to discuss avision for Somalia’s futurethat focuses on peace-building and economic re-covery.The new report – whichis based on surveys con-ducted in more than 3,000households in south cen-tral Somalia, Puntland andSomaliland - reveals thatalthough the majority ofSomali youth believe theyhave a right to be edu-cated (82%) and a rightto decent work (71%),they feel disempoweredby multiple structural bar-riers built into the family,institutions, local govern-ment and society at–large.This lack of viable educa-tion and employment op-portunities – in addition toclan and cultural preju-dices – has created a highlevel of frustration and dis-contentment amongyoung people. Therefore,radical shifts in policiesand attitudes are neededin order to empower andplace them at the core ofthe development agenda.“What young Somalis re-ally want is a differentfuture for themselves, onein which they can make adecent living in peace, andweigh in on the decisionsthat affect their lives,”said Mark Bowden,UNDP’s Resident Repre-sentative in Somalia, add-

ing that two thirds ofSomalia’s youth are un-employed – one of thehighest rates of jobless-ness in the world. “Thedanger is that when insti-tutions and labour marketsfail to respond to theneeds of young people,marginalized youth cangravitate towards vio-lence as a means to anend.”The report contains aYouth Charter, developedby youth representativesfrom Somaliland, Puntlandand south central Soma-lia, with inputs from awider group within Soma-lia and in the diaspora.The charter underlines theaspirations, perceptionsand needs of young Soma-lis - such as free and com-pulsory basic educationand greater representationof youth in parliament -while serving as a guidingset of principles that thegovernment, developmentagencies and civil societyshould abide by in orderto engage youth and en-sure the inclusion of theirneeds in the design of de-velopment policies.

As part of the solution, thereport recommends put-ting the empowerment ofexcluded groups – suchas youth and women - atthe centre of Somalia’snational developmentagenda, and calls for abroadening of the currentclan-based electoral sys-tem to includemarginalized groups. Jobcreation and improvededucational opportunitiesfor all social groups, in-cluding those that have

already missed out onsuch opportunities, willalso help pave the waytowards a more stablenation. There is also aneed for a platform foryoung Somalis to expressthemselves freely at alllevels, while strengtheningthe capacity of local au-thorities to support youthprogrammes.To ensure young peopleremain at the center ofnational and local plans forpeace and development,UNDP is working withthe new government, civilsociety and internationalpartners, building on pastinitiatives - such as pro-viding vocational trainingto youth at risk, equippingyoung Somalis with schol-arships and employmentopportunities, trainingyoung Somali women andmen as police recruits - tohelp create a better futurefor Somali youth.“Harnessing the full po-tential of Somalia’s youthis the key to new dyna-mism and hope,” said Ms.Bahous. “Opportunitiescould come through pro-viding quality educationand decent jobs—chan-neling the demographicdividend into economicgains and social transfor-mation.”A powerful new vision forSomalia is now needed,one oriented around build-ing an inclusive society,where young people feelempowered, and have thecapabilities and opportuni-ties to improve their livesand bring about lastingpeace and stability to thisHorn of Africa nation.

New UNDP Report Says Investing inYouth Key to Somalia’s Future


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Contact: Bismarck Bright or Nick Bright

16 Taber Road, Etobicoke, Ont.

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Joe AkrofiTel: (416) 748-2864

Oil Lube, Grease, brakes, Tune-Ups

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35 Taber Rd. #3, Rexdale, Ont.

Contact: Sam

Tel: (416)743-696966 Milvan Dr. Units 6& 7, North York, Ont.

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GENERAL REPAIR ON ALL MAKE & MODELS

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235 Dixon Rd., Unit 107 Etobicoke, Ont. M9P 2M5

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Ga-Adangbe’s inToronto packed the LunaBallroom to celebrate ingrand style the 2012Homowo Festival. Afterthe playing of the nationalanthems, Mr. EugeneKotey did the openingprayer immediately fol-lowed by Mr. EmmanuelQuaye, President of theassociation’s welcomeaddress. He gave briefactivities of the associa-tion in the past year.Pouring of libation andsprinkling of Kpoikpoiwas performed by Mr.Isaac Akrong. AsHomowo depicts plentyof harvest, dinner wasserved for everybody atthe event with lots of left-overs. Mr. KodjoMawutor, Consul Gen-eral in Toronto was thekeynote speaker whobrought greetings fromthe Government ofGhana. He told the audi-

ence to be law abidingand be good ambassa-dors of Ghana over herein Canada.There were a series ofcultural displays as wellas azonto dance compe-tition by kids who thrilledthe audience with theirazonto moves, with thewinners taking home giftcertificates. Some mem-bers of the associationwere also presentedawards. Nii Okine fromMontreal, Freeman andSlimflex from Torontoalso entertained the audi-ence. The segment whichdrew more than half ofthe audience to partici-pate was the Kpaashimo(Wogbedjeke) whichwas led by Nii Kwei AkuV Ga Mantse of Torontodoing the famous dance.After that the floor wasopened for free for alldance till the wee hoursof the morning.

2012 Homowo Festival celebrated by Ga-AdangbeAssociation of Toronto

By Jonathan Annobil, Toronto

Pouring libation

The chiefs and queens


Rev. McKeown Quainoo and Pastor Joseph Fynn Sackey

Rev. McKeown Quainoo and family

Apos. Emmanuel Owusu Bediako and Elders

Rev. Quainoo and family being prayed over

Congregation

Response by Rev. Quainoo PIWC Congregation

Rev. Ransford Obeng and some Elders

PIWC Choir

Rev. Joseph Fynn Sackey and family being prayed over

Rev. Fynn Sackey and family

welcomeservice at

The Churchof Pentecoston Sunday

September 9,2012

Response by Pastor Fynn Sackey


Trinity Baptist Church Acts Conference 2012August 31st to Sept 9th 2012

HFC Bank Ghana Ltd. Orga-nized a housing and mortgagefair in Toronto. It was a 2 dayevent held at 2 venues. It wasfrom Saturday September 8 toSunday September 9th 2012.The first venue on Saturdaywas at the Grandravine Com-munity Centre and the secondon Sunday was at NorthwoodCommunity Centre all inNorth York.HFC was in town to sell Non-Resident Ghanaian (NRG)Products – Foreign SavingsAccount, Home PurchaseMortgage, Equity Mortgageand Home Improvement Mort-gage.According to the Manager, theidea of coming to Toronto wasto offer Ghanaians in Torontoand Canada as a whole to own

homes in Ghana and open USDaccount also. Also help is availableto those who have started buildingalready and have reached lintellevel to be given mortgages to com-plete the building. He added thatHFC is the only bank that providesGhanaians in the Diaspora the op-portunity to create wealth throughhome ownership.The manager also added that thebank has been in existence over22years and that the bank in 2004received a universal banking licensefrom Bank of Ghana and that ma-jority of its shareholders are institu-tions. He said that he was impressedwith the attendance and hoped thatit will bring good results. Mr. CharlesBonsu continued that deposits in theaccounts opened could be used tosecure mortgages to build houses.

HFC organizes housing fair in TorontoBy Jonathan Annobil, Toronto

Main speakers were Rev. Eastwood Anaba, Rev. Alfred Nyamekye and Rev. Herbert Addowith host Pastor Rev. Nana Amoakohene

Rev. Eastwood Anaba

Rev. Nana Amoakohene

Congregation

CongregationCongregation

Congregation

Group of delegation from Ghana

Participants with officers from HFC Participants with officers from HFC


Celebration of Life for Mrs. Osei Afriyie

Ghanaian Choir of All Nations Full Gospel Church, Toronto

Family members Mr. Osei Afriyie with family

Rev. Dr. Samuel Donkor with some Pastor and EldersKwaku Gyasi with choir

Family members

Kweku Ackah Boafo,MCFamily Members

Chief mourners

Mr. Osei Afriyie and children

Traditional display of gifts

At AllNations

FullGospelChurch

on SundaySept. 15,

2012Rev. Samuel Kyereme


Saturday, October 20th 2012

Final funeral rites of OpaninKwadwo Antwi father of

Bismarck Antwi Agyei held atAmansie Multicultural Centreon Saturday, 15th Sept. 2012

Bismarck Antwi Agyei (2nd from left) with chief mourners

Chief mourners


Prince Adu-TwumPhotographyFor All Your:*Outdoorings

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Isaac Best Photos IncIsaac Best Photos IncIsaac Best Photos IncIsaac Best Photos IncIsaac Best Photos Inc..... Mattress! Mattress!! Mattress!!!

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SHIPPING INCSHIPPING INCSHIPPING INCSHIPPING INCSHIPPING INC.....

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or

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ership, the largest circu-lation in Toronto and the‘best demographics.’ TheCMO informed my inves-tigator that when theyraised this with theMayor’s staff, they weretold that ‘we do not likethe Star.’”

The report also cites con-cerns regarding the “levelof direction from themayor’s office” through-out the hiring process, atone point referencing aJuly, 2011 meeting toshort-list candidates thatwas attended by stafffrom the mayor’s office.“The city clerk’s officeobserved that political staffattendance during com-mittee in-camera sessionswas ‘unusual’ and that ithad never happened be-fore in their experience,”the report says. “Ac-counts of the Mayor’sstaff activities during themeeting varied. One at-tendee said that themayor’s staff had severalfiles with lists of namesmarked confidential. Theattendee said that the listswere on some of themembers’ desks. Anotherattendee saw a list ofnames for each commit-tee on a few of the mem-bers’ desks. A third at-tendee saw the mayor’sstaff handing a membersheets of paper withnames on them.”Speaking with reportersafter attending agroundbreaking ceremony

for the Pan Am GamesAquatic Centre Thursdayafternoon, Mayor RobFord said his city staff didnot act inappropriately.“I have actually cleanedup the process that wehad before,” he said. “Itis a very clean, aboveboard and transparentprocess.”Councillor accused ofthreatening staffThe report, which wasprepared by ombudsmanFiona Crean, also de-scribes a contentiousmeeting of the civic actioncommittee in which thecommittee chair threat-ened a member of thecity’s staff.According to the report,the councillor grew “out-raged” after a staff mem-ber brought up an appar-ent conflict-of-interestheld by a candidate be-fore the committee andthen took to their feet,pointed and screamed‘I’m going to get you,”adding that the staff mem-ber had “fooled” othermembers of council butnot him.Responding to the allega-tion Thursday afternoon,Mammoliti said he wasn’tthe one described in thereport but defended theperson who is withoutmentioning them by name.The civic appointmentscommittee is chaired byCoun. Frances Nunziata.“That certainly wasn’tme, however I am cer-

tainly a councillor whosetail will not be wagged bythe bureaucracy and I cantell you that when mistakesare made to the degreethat they were some poli-ticians like myself willchallenge staff on a regu-lar basis and if they aretrying to fight back letsdrop our gloves and wewill decide who the win-ner will be,” Mammolitisaid. “The staff of the citybetter role up their sleevesand be ready for a fightbecause I will be thewatchdog and the om-budsman myself. Staffwill not influence the ac-tions and decisions ofcommittees and whenthey do I have somethingto say about it.”Four recommendationsmade

The report makes four

Ombudsman slams mayor’s office for interferingwith board appointmentscont'd from pg. 14

recommendations, all ofwhich were accepted bythe city: Review the Public Ap-pointments Policy to cor-rect any omissions orshort-comings. Consoli-date responsibility for ad-ministering the Public Ap-pointments Policy into asingle unit and ensure ithas adequate resources. Require that staff re-port in writing to the CivicAppointments Committeeany known informationabout potential conflicts ofinterest. Develop sustainedcommunity engagementstrategies to attract andrecruit applicants from di-verse communities.City boards, agencies andcommissions are respon-sible for about $15 billionin city assets.Cp24.com

A Canadian border cross-ing sign Only C$20 in dairyis allowed across the bor-der duty-freeA Canadian police officerwas among three peoplecharged as the country’sauthorities announcedthey had busted a majorcheese-smuggling ring.A joint US-Canadian in-vestigation foundC$200,000 (£125,600) ofcheese and other productswere illicitly brought overthe border into southernOntario.The smugglers sold largequantities of cheese,which is cheaper in theUS, to restaurants, it is al-leged.The other two mencharged were civilians,one a former police of-ficer.The Niagara RegionalPolice (NRP) announcedthe charges in a news re-lease on Thursday.Constable Scott Heron,39, a member of the NRP,faces counts of con-spiracy, smuggling andother violations of cus-toms law.Casey Langelaan, 48, aformer member of thepolice force, and BerniePollino, 44, a resident ofFort Erie, face the samecharges.In their statement,Niagara police said an in-vestigation had been on-going since January 2012.Mr Heron was suspendedfrom the police force inJune.“The network involvedthe purchasing of cases of

cheese and other fooditems and transportingthese cases into Canada,without declaring theitems or paying duty,” po-lice said.Once the cases arrivedthe country, they weredistributed to restaurantsin southern Ontario.The accused allegedlymade a profit of overC$165,000.The charges come threedays after CBC Newsfirst reported the forcewas conducting an inter-nal investigation intocheese smuggling.A pizzeria owner west ofNiagara Falls told CBCthat he had been ques-tioned by police over theissue, but assured them hehad not bought any con-traband dairy.“We get all our stuff le-git,” said the restaurateur.“We thought it was a jokeat first. Who is going togo around trying to sellsmuggled cheese?”Only C$20 or 20kg (44lb)of dairy products can bebrought into Canada dutyfree, according to Cana-dian Border ServicesAgency spokeswomanJean D’Amelio Swyer.Civil penalties for smug-gling can amount to245.5% the value of theproduct.Canadian cheese pricesare higher because of re-strictions by the country’sdairy board, as well astight controls on US im-ports of cheaper cheese.BBC News

Canadacheese-smuggling

ring bustedpoliceman charged

The Dornier 228 aircraft hadbeen heading for Lukla, thehub for trekking in the Everestregion.The trekking season has justbegun in Nepal and thousandsof climbers, including manyWesterners, head to thecountry’s famous Himalayanpeaks.A spokeswoman for localtravel firm Sherpa Adventuressaid the British group had ar-rived in Nepal on Wednesdayand was due to start trekkingon Friday until 16 October.Police spokesman BinodSingh told the AFP news

agency that “the pilots seem tohave tried to land it safely onthe banks of the river but unfor-tunately the plane caught fire”.One of the first rescuers to reachthe crash site, police officerBhagwan Bhandari, describedthe scene as “terrifying”.“There was fire coming fromthe aircraft. Red flames werereaching up to 20m (65ft) abovethe ground,” he said.Climber Alan Hinkes says thelanding strip at Lukla is wheremost crashes happen“It wasn’t possible to get insideto conduct rescue operations.We could hear blasts from theparts and engines of the air-craft.”Images showed burning wreck-age at the crash site and dozensof rescue and security person-nel.British mountaineer Alan Hinkestold the BBC he had taken theflight from Kathmandu to Luklamany times and that problemsusually occurred at the Luklaend.“The landing strip in Lukla is abit like an aircraft carrier with amountain at the end of it, with a1,000ft drop at the end of therunway. Normally crashes hap-pen at that end,” he said.He added: “It is not the safestplace to fly, I must admit, but itis what you have to do to getinto the mountains.”Aviation accidents involvingsmall aircraft are not uncom-mon in mountainous Nepal.In May, 15 people were killedwhen a plane crashed trying toland at an airport in the north ofthe country.

And in September 2011, 19people were killed when a Bud-dha Air plane crashed during aflight to view Mount Everest.BBC News

Nepal plane crash:Seven Britons killed

cont'd from pg. 43


Let's Think Family - By Rev. Dr. Samuel Kisseadoo

Every form of love has an ele-ment of possessiveness. Buttrue love also allows freedom.Love should not therefore beallowed to possess to the pointof putting shackles on the oneyou love, or putting a cagearound the money or propertyetc., whereby people even “getelectrocuted” or “chasedaway by lions” when they tryto touch it.It could be your special food athome, cell phone, sound sys-tem, ministry, business, pro-gram, girlfriend, boyfriend,spouse, fiancée, computer,special friend, family member,child, sports, your preciousbody, clothing, jewelry etc.You can be deceived to believeyou are carefully protecting thething or person, when you areactually possessing with crazyimmature passion that is rootedin intense selfishness, andrather engaging in indirect sla-very. Undue possessivenesscan unconsciously imprisonyou as well with selfish lovethat will restrict and squeezeyou in return, and keep peopleor even future blessings awayfrom you, as you try to love theother person or thing with over-zealous infatuation.If love is not properly guardedand strictly supervised, it canget out of control, run wild, andcreate untold chaos plus severedamages all over the place.You hear all the stories in thenews and witness all the vio-lence due to competitive jeal-

ousy and rivalry over love, be-trayals, suspicions, and accu-sations in relationships andmarriages, and among familymembers and friends, right?When you love something orsomeone, you literally possessthe thing or the person in yourheart to some extent, depend-ing on the level and intensityof your love. That is why youmust carefully watch yourmind (thoughts) and heart(emotions) to find out whereand how you allow them to goday by day.If you are a true Christian, thepeace of God in your heart isalways a sure indicator whenyour thoughts and heart aregoing astray out of step withthe directions and will of God’sSpirit, and being deceived tooperate in the flesh. We canbe so jealous (negative feelingthat someone is also gettingwhat you have) or envious (de-siring to possess what some-one has) regarding things orpeople we love.Honestly, when you havestrong love for someone or for

something, the “natural selfishman” in you (which we areborn with as sinners) will be-gin to feel selfish and yellwithin you: “Hei! That is onlyfor me! Don’t touch my thing!”It is your duty to see the dan-ger, admit it, and quickly kickthat negative thought out ofyour mind, and quench thoseselfish feelings in your heartbefore they sink deeper intoyour spirit and stay there stub-bornly to torment you and de-ceive you to take unwarrantedand sometimes even stupidsteps to “protect your thing.”Suspicion and mistrust sud-denly spring up like mushroomin the dark, when you feel andbegin to panic, that your loveis being shared or stolen bysomeone. No matter whomyou are dealing with, the per-son suddenly becomes afeared or threatening competi-tor (even your pastor, fellowminister, church elder, or dea-con, brother, sister, parent,child, boss, in-law, trustedcounselor, friend, ministry part-ner, business partner, politicalcomrade etc.). Some bossesquickly fire people meaning-lessly, people move away tolive somewhere else, othersimmediately cease all commu-nication, and people resignpositions with no given reason(which they alone know).Some married men can go tothe extent of taking the wifehostage and making her a slaveat home with no interactionswith anyone.

Some spouses or fiancées (la-dies and gentlemen alike) willbehave like spying agentsscreening everything and spy-ing every move, reading be-hind everything of yours includ-ing your phone calls, time outof the home, e-mails, internetsearches, colors and stains inyour garments especially un-der wears, and even youcoughing and sneezing. Loveis such a strong emotional andspiritual force and a fire to theextent that when it becomesSELFISH LOVE that is mis-directed and mishandled, it canburn us and burn anyone elsethat comes within the range ofthe destructive emission com-ing out of us.Most of it is normally the re-sults of vengeance and theburning passions of envy andjealousy that seeks to possessthe thing or person all alonewithout sharing the sweetness,passion, benefits, or glory withanyone. These negative ap-plications of the passion of self-ish love are can result in thingslike violence; hard words;abuses; setting of traps to framethe person; crafting lies; defa-mation of character; secretslander; spreading of false ru-mors; publications to destroyreputation; obstruction of theperson’s benefits or favors; hin-dering his or her opportunities;robbing the person of impor-tant things; stopping him or herfrom having friends or evencontacting family membersand people who can help him

or her; painful break of sweetrelationship and marriageplans, or flourishing marriageor business; using every spiri-tual and physical means to stopone from sharing property ormoney; pronouncing curses;convincing or paying people todo harm to the person; andother wicked schemes etc. Wemust see the thoughts and feel-ings plus the entire idea of loveas an important gift from Godthat we are privileged to inheritand exercise.We must learn how to exer-cise and apply love with therequired wisdom, carefulness,godliness, and fear of God at-tached to our thoughts and feel-ings of love and affection to-wards people. Application ofscriptures like 1 Corinthians 13:1-8; 1 Peter 4:8, plus sincereprayers from our hearts, willalways enable us to allow thepossessive nature of love tooperate correctly in our heartsand minds, for us to havepeople and things on our heartsfor real love, concerns, care,compassion, sympathy, kind-ness, and mercy without pos-sessing to the extent of mak-ing things and people our ownin selfish ways that will ratherdestroy the essence and truemeaning of love, and do moreharm than good. Yes, learn tocarefully, wisely, sensibly,spiritually, and maturely guardany love you have at anytime,for it to receive God’s ap-proval, favor, and blessings.Tune in to JOY 99.7 FM in

Accra, Ghana on Saturdays at5:30 am – 6:00 am (GhanaTime) or US Eastern ST1:30am – 2:00am March toOctober, and listen to Dr.Kisseadoo’s broadcast “HopeFor Your Family”. Accessanywhere in the world on theInternet usingMYJOYONLINE.COM, andclick on “Live Radio”. Obtain9 of Dr. Kisseadoo’s booksonline from:RedLeadBooks.com orAmazon.com using his name.Contact him in the USA (1-757-7289330) for copies of his 14books, free counseling andprayer. Visit his website:www.fruitfulministriesint.comfor essentials that will enrichyour relationships and minis-try. Get copies of his booksfrom Challenge Bookstore &other bookstores in Ghana, orcall 233-20-8209567 or 233-276-322982 in Accra or 233-275-353802 in Kumasi for mes-sage CD’s, books, free coun-seling, prayer, and seminars.Use DrSamuel Kisseadoo toaccess his Wall on Facebook.Copyright June 2012. Rev. Dr.Samuel A. Kisseadoo (Profes-sor of Biology, USA. Interna-tional Evangelist. Ordained &Licensed Minister. Teacher,Author, Prayer Minister, Con-ference Speaker). Founderand President, Fruitful Minis-tries International Inc. (Evan-gelistic & Teaching Ministry).6 Red Robin Turn, Hampton,Virginia 23669, USA.

Love is possessive, and must be carefully guarded

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Day and Time of Worship:Sunday: Bible Class Meeting: 9:00 a.m. - 10.30 a.m.

Church Service: 10:30 a.m. - 1:30 p.m. Jericho Hour Prayer Meeting - 7:00 - 8:00 p.m.

Friday: Bible Teaching/Prayer Meeting 8:00 p.m. - 10.00 p.m. Saturday Organizational Meeting: 6.30p.m. - 9.30 p.m.

Contact: Tel: (416) 743-4555 (Church)

In Montreal at:Place of Worship: 6870 Rue de Terreborne, Montreal, Que, H4B 1C5

Day and Time of WorshipSunday Divine Service: 12:30 p.m. - 3:30 p.m.Friday Prayer Meetings: 7:00 p.m. - 9:00 p.m.

Contact: Rev. Emmanuel Ohene Gyimah - 514-542-0871

Anna Phillips (Church Secretary) 514-421-4152SERVICES ARE CONDUCTED FOLLOWING THE TRADITIONAL GHANA METHODIST LITURGY.

PLEASE COME AND JOIN US. WE HAVE A PLACE FOR YOU. GOD RICHLY BLESS YOU

PLACES OF WORSHIP DIRECTORY

The Apostolic Church Int'l.

94 Kenhar Drive, Unit 39 & 40, North York, Ont.

The SuperintendentMinister-In-Charge

invites youto worship with us

Toronto SocietyPlace of Worship: 19 Penn Drive, North York, Ont. (off Finch Av./Milvan)

Ghana Methodist Churches in Canada ( SOCIETIES UNDER THE GHANA METHODIST CONFERENCE)

Pastor: 905-791-8190 Cell: 647-218-1052Church: 416-740-1979

270 Rutherford Road, Unit 10Brampton, Ontario, L6W 3K7

BRAMPTON ASSEMBLY

TORONTO CENTRAL ASSEMBLY

The Apostolic ChurchInternational (Toronto Assembly)

is a Branch of The ApostolicChurch in Ghana

Apostle F.Y. Agyemang(Area Supt. Canada-Wide)

Sunday (Worship) - 10:30 a.m. - 1:30 p.m.Wednes: - (Bible Studies) - 7:30 p.m.Fri: (Intercessory/Deliverance Prayers) -7:30 p.m. - 9:00 p.m.Fri: (Alt.) All Night - 10:30 p.m. - 3:00 a.m.

Saturday(Alt.) Women's, Men's,Youth Movement Meetings)5:00 - 7:00 p.m.

1st Saturday of every month Prayer for breakthrough) (Montreal)9:30 a.m. - 2:30 p.m.

HAMILTON ASSEMBLY

801 King Street EastHamilton, Ontario, L8M 1A8

Meeting Schedule

MONTREAL ASSEMBLYElder Eric Frimpong - 514-748-1545 Church 514-279-6565

845 Jean Talon West, Montreal, Quebec, H3N 1S5

Church ServicesSunday Service:

Bible Study: 10 a.m.-11a.m.Worship Service: 11a.m. - 1p.m.

Wednesday: Bible Study6:30p.m.-7:30p.m.

Friday Night Prayer: 8p.m.-10p.m.

CHRIST REDEEMER CHURCHCHRIST REDEEMER CHURCHCHRIST REDEEMER CHURCHCHRIST REDEEMER CHURCHCHRIST REDEEMER CHURCHPastor-in-charge: Pastor Eric Amoah

Location: 4 Racine, Unit 9 (Kipling/Rexdale)

Tel: (416) 748-1242 Cell: (416) 300-9970

Pastor Eric Amoah

EVANGELASSEMBLY OF GOD CHURCH

Church ActivitiesSunday School: 10a.m. -11:00a.m.Church Service: 11a.m. - 1:30p.m.Sunday Evening: 7p.m. - 8:30p.m.Wednesday Bible Studies: 7p.m. - 8:30p.m.Friday Prayer Meeting: 7p.m. - 9:00p.m.

1245 Martin Grove Road, Rexdale, Ontario, M9W 1L4

Pastor in Charge Rev. Milton Offei

Tel: 416-242-7950 Fax: 416-242-8573

HOLY ALPHA & OMEGA CHURCH

We invite you to worship with us

Church Service:Sunday Worship: 10.00a.m. - 12.30 p.m.Wednesday Bible Studies: 6.00p.m. - 7.30 p.m.Friday Prayer Meeting: 7.00p.m. - 9.00 p.m.

869 Wilson Avenue, North York, Ont.

Prophet John MensahJESUS Loves You

Tel: 416-638-5990 / 416-419-6671

Very Rev. Dr. EmmanuelAsare-Kusi

Invites you to worship with us at

Rev. Dr. StephenOfori-Darko

Redemption Faith Church

This is a loving and caring Church that preaches and teaches thewhole counsel of God. A place where the word of God is backed bystrong anointing to bring Salvation, Healing and Deliverance to all

people who believe on the LORD JESUS CHRIST

CHURCH ACTIVITIES:Sunday Search the Scriptures - 12 noon - 12-45 p.m.Church Service - 12:45 p.m. - 2:00 p.m.Fridays - 7:00 p.m. - 8:30 p.m.

Bible Studies, Intercession & Deliverance

Tel: 905-495-1936 Fax: 905-495-1937

1485 ALBION ROAD (Albion/Kipling)


FOOD FOR LIFEFOOD FOR LIFEFOOD FOR LIFEFOOD FOR LIFEFOOD FOR LIFE

Living Word

139 Millwick DriveToronto, Ont. (Steeles/Islington)

Tel: 416- 741-6285Fax: 416- 741-0133

Email:[email protected]

(Affiliated with P.A.O.C.)

Senior Pastor:Rev. Joseph Osei-Amoah

Church Activities

Sunday Early Morning Prayer: 8:30 a.m.

Sunday School: 9:30 a.m. Worship Service: 10:30 a.m. Tuesday Prayer: 10:00 a.m-12 noon

Wednesday Bible Study 7:00 p.m.-8:30 p.m. Friday Prayer 7:00 p.m.-9:00 p.m.

(Last Friday of the month “All Night Prayer”): 7:30 p.m.-12 mid-night Youth Service (Fridays): 7:00 p.m.-9:00 p.m. Departmental Meeting

(Every other Sunday): 7:00 p.m.-8:30 p.m.

Assembly of God Church

Bringing the Gospel to our Community By: Rev. Joseph Osei-Amoah

Peace Light MinistriesSenior Pastor & Founder:

Rev. Augustine Adu-Anane BRE, M.Th. CPC

Senior Associate Pastor:Rev. Eleanor Adu-Anane BRE, ECE

TIME OF WORSHIP

Wednesday: Bible Study 7:00 - 9:00 pmFriday: Group Prayer Meeting 8:00 - 11:00 pmSunday: Christian Education 9:30 am - 10:30 amSunday Service: 10:30 am - 12:30 pm

Tel: 416-839-1662 / 647-892-9412LOCATION: 100 Penn Drive, Unit #3, North York, Ont. M9L 2A9

Happy are those who work for PEACE, for God will call themHis children Mtt: 5:9

Rev. AugustineAdu-Anane

Sunday, September23, 2012, the 12th Anni-versary of the GhanaianCanadian AchievementCerebration will foreverbe etched on my mind asthe day twenty nine otherGhanaian-Canadians andI previously approved bythe Selection Committeeof the Ghanaian Newswere recognized for ourcontribution to the variousfields of endeavor in theCanadian Society. I wasincluded for serving as thecolumnist for “FOODFOR LIFE, -Bringing theGospel to our Commu-nity” for over twelveyears. I was excited be-cause two of the recipi-ents, Albert Mc-AnsahIsaacs, a third-year medi-cal student at the Univer-sity of British Columbia inVancouver, and VincentOppong Kyekyeku, anoutstanding young musi-cian, were from my pas-torate. I becameVincent’s Pastor, in 1996when he was only twoyears old. I take his op-portunity to thank Mr. andMrs. Emmanuel Ayiku,Publishers of the Ghana-ian News, for offering methe opportunity to sharethe word of God from thiscolumn at the inception ofthis great communityNew Paper. I also thankthe Selecting Committeefor recognizing my work.I still remember Dr.Michael Baffoe’s word ofencouragement to me forwriting a good piece.Messages of congratula-tion from the Prime Min-isters of Canada, the Pre-mier of Ontario, theGhana High Commis-sioner to Canada, someleading Federal andOntario Political leaders,

Mayors of our variousMunicipalities, some Gha-naian community tradi-tional rulers and heads ofvarious businesses wereheart-warming. I wouldlike to thank my dear wifeMary, my son Kofi, lead-ers and some members ofLiving Word Assembly ofGod Church, Toronto, whowere present to rejoicewith us. Readers of mycolumn who have had theopportunity tell me thatyou do so have encour-aged me to continue. Fi-nally I am grateful to theLiving God and His Son,the Lord Jesus Christ,who accepted me as oneof His servants and of-fered me this medium toshare His life-giving wordwith others. “But, beloved, weare confident of betterthings concerning you,yes, things that accom-pany salvation, though wespeak in this manner. 10,For God is not unjust toforget your work and la-bor of love which youhave shown toward Hisname, in that you haveministered to the saints,and do minister.” (Heb6:9-10 NKJV) The writerof the Letter to the He-brews assured the He-brew followers of theLord Jesus Christ whowere serving God underdifficult circumstancesthat the Lord would neverforget their labor of loveas they serve one anotherand by sharing the goodnews of the risen Saviorwith whoever would trustin Him. We are living in atime when it is becomingmore and more unpopularand even dangerous insome places to be identi-fied with the Lord Jesus

Christ. Under such cir-cumstance, it is easy togive up one’s faith in or-der to feel safe or accept-able to everyone. Nodoubt such action woulddisplease the Lord: “Andhe who does not take hiscross and follow after Meis not worthy of Me. 39He who finds his life willlose it, and he who loseshis life for My sake willfind it.” (Matt 10:38-39NKJV) The Lord Jesusdoes not want us to do thework of love with the“victim mentality”. Thegospel of Christ is so pow-erful that, it thrives betterin places where Chris-tians suffer most. TheApostle Paul, a persecu-tor of the followers ofJesus, who was miracu-lously transformed,preached Christ so pow-erfully that he ended up aprisoner of Rome. At theend of his letter to thePhilippian Christians, hewrote, “All the saintsgreet you, but especiallythose who are of Caesar’shousehold.” (Philippians4: 22) Right under thenose of the Emperor ofRome, members of hisown household were con-verted to Christianity byhis prisoner-the ApostlePaul. The gospel wepreach is not human phi-losophy, nor some out-moded ideas of the past,but as the Lord Jesus de-

clared, “It is the Spirit whogives life; the flesh prof-its nothing. The wordsthat I speak to you arespirit, and they are life.”(John 6:63) The gospel isvery effective in dealingwith the problems of thetotal man: spirit, soul andbody and answers ques-tions of humanity’s past,present and the futurewhen it is presented andaccepted by faith. During the ministryof the Lord Jesus, theword of God was so sat-isfying that a woman lis-tening to Him “… raisedher voice and said to Him,“Blessed is the womb thatbore You, and the breastswhich nursed You!” 28But He said, “More thanthat, blessed are thosewho hear the word of Godand keep it!” (“Luke11:27-28) Another time,some Temple guards whowere sent to arrest Jesusas he was teaching thecrowd returned to thosewho sent them withoutJesus, “Then the officerscame to the chief priestsand Pharisees, who saidto them, “Why have you

not brought Him?” 46 Theofficers answered, “Noman ever spoke like thisMan!” 47 Then the Phari-sees answered them,“Are you also deceived?”(John 7:45-47) The wordmust be received and ap-plied to the everyday lifeto make it beneficial to theindividual. As our world isprogressively beingplunged into spiritualdarkness, it is the word ofGod that can provide thespiritual light needed tosee our way around. ThePsalmist writes, “Yourword is a lamp to my feetand a light to my path.”(Psalm 119:105) In diffi-cult times the Psalmistagain writes, “Greatpeace have those wholove Your law, and noth-ing causes them tostumble.” (Psalm119:165) Christianity is notreligion by which a mantries to do something toplease his God. It is a wayof life by which a caringGod extends His love tohumanity through thedeath and resurrection ofHis Son, the Lord JesusChrist, making it possiblefor whoever believes in

Jesus to be reconciled toGod. The Lord immedi-ately adopts the individualas His child (John 1:12)and sends His Spirit to livein the new believer whogradually transforms thebeliever’s life to conformto the image of His Son.This is a life time processas the individual also in-teracts with peoplearound him and by tellingothers about his new ex-perience in Christ. Finally,at the coming of Christ,we shall be honored ac-cording to our faithfulnessas Christ’s representativeon earth at the gatheringof people of all genera-tions who have trusted inGod. “For I am alreadybeing poured out as adrink offering, and thetime of my departure is athand. 7 I have fought thegood fight, I have finishedthe race, I have kept thefaith. 8 Finally, there is laidup for me the crown ofrighteousness, which theLord, the righteous Judge,will give to me on thatDay, and not to me onlybut also to all who haveloved His appearing.” (2Tim 4:6-8).

THE COMING DAY OF RECOGNITION FOR THE BELIEVER


Bethel Prayer Ministry Int'l

Worship Hours:Sunday Service: 9am - 1pm Tuesday 9am - 2 pm ConsultationWednesday: 7pm - 9p.m. Friday: 9pm - 12 pmSaturday (Prayer Warriors) 6pm - 8pm

Location: 52 Carrier Drive, Unit 12, (Albion/Hwy 27)Etobicoke, Ont., M9w 5S5

End-Time Harvest Ministry

Worship Hours

Sundays (Mornings) 10 - 12:45pmWednesday (Bible Study) 7 -8:30 pmFriday (All Night Prayer) 8-10:30pm

COME AND EXPERIENCE THE POWER OF THE WORD

Join us at 196 Toryork Drive(Corner of Weston/Finch)

Tel: 416-743-2507IT’S HARVEST TIME SO REACH OUT AND MAKE A DIFFERENCE

It’s A Great Commission!

Invites you for a wonderful time with the Lord

Rev Moses Sarpong

Contact: Res. 416-740-6963 Church 416-642-0390

Do you desire to experience the power and thepresence of God demonstrated in your life? Do

you want to experience themarvelous work of God's grace in your life?

Then, Bethel Prayer Ministry International wouldlike to invite you to visit their church where the

word of God is preached powerfully to release thepower of God in your life.

COME AND YOU WILL BE BLESSEDPastor Dennis Awuku

Senior Pastor

Worship Schedule:

Ghana Calvary MethodistUnited Church, Toronto

Invites all Christians to join us to worship and glorify theLiving God

Venue of Worship65 Mayall Avenue, Toronto

(Route: Through Jethro Road or Haymarket Road,off Wilson Ave. between Weston Rd. and Jane St., or

walk across bridge from Chalkfarm North)

Tel: 416-614-6110 Email: [email protected]

Sunday

Church Service/Class Meetings:

10:00 a.m. - 12:30 p.m.

Friday

Prayer Meeting: 7:00 - 9:00 p.m.

Saturday

Youth Musical & Computer

Lessons Fellowship Meetings

Choir Practice, Singing Band Practice

65 Mayall Avenue,Toronto Ontario, M3L 1E7

Tel: 416-614-6110 647-341-7305


Very Rev. De-GraftSemie Obiri

(Calvary Methodist)

Auxilliary MinisterRev.

Samuel Victor Mpereh

647-770-8440


THE APOSTLES'CONTINUATION CHURCH

INTERNATIONAL (CANADA)

Worship With Us At These Branches In Canada

SERVICE TIMES:Worship Service - Sunday 10:30 a.m.Bible Studies - Wednesday 7:00 p.m.All Night Service - Friday 9:30 p.m.Deliverance - Saturday 4:00 p.m.

North AmericanHeadquarters:

Toronto10 Belfield Road

Tel: 416-247-6629

Montreal Assembly378 Cremazie East

Montreal, Quebec, H2P 1E5

Tel: 514-271-9083

Pastor-In-Charge: John Arhin

Contact: 514-274-2978

10 Belfield RoadToronto, Ont., M9W 1G1

Tel: 416-247-6629Fax: 416-247-5308

Website:www.apostlescontinuation.orgApostle Charles Anokye-Manu

Scarborough Assembly1632 Midland Ave., M1P 1C2

Tel: 416-288-1333Pastor In-Charge: Pastor Patrick Antwi

Contact: 647-402-4708

Praise Temple of Christ International

336 Gary Ray Drive @ SignetWorship Schedule

Sunday Worship - 10 am - 12:30 pmWednesday - Bible Study - 7 pm - 9 pmFriday - Prayer Meeting - 8 pm - 10 pm

Second and last Friday of each monthAll Night Prayer Meeting 8 pm - 12 midnight

Snr. Pastor: Apostle Osei-Bonsu

For information call:Apostle - 647-330-3346 (cell) or 905-216-5733 (Res)

Emmanuel - 647-701-1912 (cell)

Lighthouse Assembly of God ChurchSenior Pastor: Isaac Takyi De-Graft

NEW LOCATION: 42 Steinway Blvd. Unit 1&2 (Hwy 27/Steeles) Toronto, Ontario, M9W 6Y6

Tel: 416-740-1200 Fax: 416-740-6435Email: [email protected]: http:/www/lighthouseag.ca

Exclusive English Service: 8:00am - 10:00amSchool of the Light: 10:00am - 10:45amExclusive Ghanaian Service : 10:45am - 1:00amTuesday(Time with the Holy Spirit) 10:00 am-12:30 pmWednesday(School of Ministry) 7:00 pm - 9:00 pm -TorontoniansThursday(School of Ministry) 7:00 pm - 9:00 pm - BramptoniansFriday(Time in His Presence) 7:00 pm - 9:30 pmEvery First Friday is Special Youth Service 7:00 pm - 9:30 pmEvery Fouth Friday is Half Night Service: 9:00 pm - 12:30 am

Days And Time of WorshipSunday - Divine Worship - 10a.m. - 1p.m.Wednesday - Bible Studies - 7p.m. - 9p.m.Friday - Prayer / Deliverance - 7p.m. - 10p.m.

Power of Grace Chapel Int'lInvites all Christians, Non-Christians and

members of the Resurrection Power Tradition tojoin us worship the Great Jehovah

Rev. Joe BonnahPastor-in-charge

Contact Lines:

Tel: 416-321-2796 (Pastor's Res) 289-981-1547 (Church)

Cell: 647-921-2414

Place of Worship:

350 Deerhide Cres, North York, ON

Immanuel Assembly of God

For more info contact: 647-880-4216

LOCATION

Don Montgomery Community Centre2467 Eglinton Ave. E. Scarborough, Ont.,

(Kennedy/Eglinton Subway Station)

Church, ScarboroughSunday School: 9:30am -10:30amChurch Service: 10:30am - 12 noon

There will be devotion each morning or eveningfrom Monday to Friday on line

6:00 am to 7:00 am or 7:00 pm to 8:00 pm.Online telephone # 647-722-5570.Access code: 226688# or 124488#Rev. Douglas O. Ansah

Pastor-in-charge

Border officers atHeathrow Airport havemade their biggest can-nabis seizure in threeyears after containers ar-riving on a plane fromGhana were found withdrugs worth £4.3million.The drugs, which weighedaround 1.5 tonnes and hada street value of £4.3 mil-lion, were found in threeseparate freight contain-ers filled with fresh fruitand vegetables.Border Force officialsfound the cannabis in

tape-wrapped com-pressed packages withinboxes on the flight fromAccra on Monday.After being seized thedrug was taken underarmed escort to a securelocation, where it will bestored until it is inciner-ated.Marc Owen, HeathrowDirector for BorderForce, said: “This wassmuggling on an industrialscale. It is a significantquantity of cannabis, ourbiggest seizure of this kind

in several years atHeathrow.“The fact we havestopped it reaching thestreets of the UK willmake a substantial dent inthe profits of the criminalsresponsible.“The international drugtrade is a vile business thatBorder Force officersplay a key part in disrupt-ing.”Officers are trying to dis-cover the intended desti-nation of the drugs.standard.co.uk

Biggest cannabis haul from Ghanaseized at Heathrow Airport


Eugene Kotey, Clerk of Session - 905-502-7875, Jennifer Agbanti, Treasurer - 905-908-2152

NNNNNeeeeew Cow Cow Cow Cow Covvvvvenant Bapenant Bapenant Bapenant Bapenant BaptistististististttttChurChurChurChurChurccccch of Th of Th of Th of Th of Torororororontontontontontooooo

Venue:Kipling Avenue Baptist Church (lower auditorium)

2240 Kipling Avenue, Etobicoke, Ontario, M9W 4L4

Contact Us:

Tel: 416-900-3945 - Church office

416-312-1218, 416-262-4570Email: [email protected]

Website: www.newcovenantbaptistchurch.ca

JESUS says, "Come and see" John 1:39Your miracle is awaiting your presence at the service.

Minister -in-charge: Rev. John Adedapo

P.O. Box 12514, Etobicoke, ON. M9R 4C7

N C

CB

Have you missed the Sunday morning Service?You have not missed it all - your blessing has not eluded you.Join us for spirit-filled and powerful ministration on:

1. Sunday Evening 4 pm - 7 pm Sunday School 4 pm - 5 pm

Worship Service 5 pm - 7 pm

2. Friday All Night Prayer Vigil (12 midnight - 3:00 am)

WORSHIP SCHEDULE.Sunday - Divine Worship 10am- 12pmWednesday - Bible Study 7pm - 10pm(Call ahead)Friday Prayer Meeting 7pm - 10pm(Call ahead)

190 BOVAIRD DRIVE, UNIT 12 @ HWY 10,BRAMPTON

New Light Chapel International

You have been to Calvary for pardon, but youhave not been to Pentecost for power.

We invite you to worship with us and experiencethe Pentecostal power in your life.

Rev. Kwaku Asare

905-654-7364, 905-840-2012, 416-270-6822For information call: Rev. Kwaku Asare

Join us on Sundays for worship at:Venue: Meadowvale Community Centre, Mississauga

Address: 6655 Glen Erin DriveMain Intersection: Glen Erin Drive and Aquitaine Avenue

Room: Youth and Seniors

Time: 3.00PM-6.00PM

Contact: Pastor Isaac K. BonfulTel: 289-997-7186

Email: [email protected]"...Be transformed by the renewing of your mind..." Romans 12:2a

Assembly of God Church, Missisauga

Transformation Centre

At a time the political mapof Ghana is being re-drawin an exercise that manyhave criticized as a clearcase of gerrymanderingwith the inclusion of 45 ad-ditional seats in Parlia-ment barely two monthsto elections, Hermajesty’s Great Britainhas served notice that itintends to reduce thenumber of Parliamentaryseats in the nation. Thepeople would vote on it intwo years time, before be-coming operational.

Unlike the obvious abuseof the Parliamentary pro-cess currently takingplace in Ghana, whereMembers of Parliamenthave been called fromtheir constituency dutiesjust to while away in thehouse, and ensure thatthere is a semblance ofParliament duties for 21days in order for the Con-stitutional instrument tomature, in Britain, theBoundary Commission,the independent body incharge of drawing thepolitical map of Britain,has given a two-year no-tice before the vote on re-ducing the number ofseats takes place.

Britain has a population of62, 641, 000 and a total of

650 seats in Parliament,popularly referred to asthe House of Commons.The Times of London pub-lished a report on Tuesday,September 13, about anew political map of GreatBritain.

“The exercise is beingcarried out by the Bound-ary Commission, and aimsto equalize the size of con-stituencies. It will also re-duce the number of MPsacross Britain by 50”.Every constituency, apartfrom two specified excep-tion, will have an elector-ate that is no smaller than72,810, and no larger than80, 473.

In Ghana, where there isno quota for the elector-ate of constituencies,some members Parlia-ment represent less than20,000 electorates, whileothers have huge num-bers to cater for.

In Britain, the BoundaryCommission’s blue-print,according to the Times’newspaper, has generateda number of complaintsfrom MPs, including Cabi-net Ministers such asGeorge Osborne, theChancellor of Exchequer(Finance Minister), KenClarke, Justice Secretary,

and Ian Duncan Smith,Work and Pension Secre-tary, who would be forcedto oust MPs from theirparties to save their ca-reers. Judging by the pro-posal, their constituencieswould split up.

These landmark proposalswere published on Mon-day September 12, 2011,and are scheduled to bevoted upon in two yearstime.

This is a far cry from theGhanaian experience,which is to add 45 seats,to bring the total represen-tation in Parliament to 275,for a population of 24 mil-lion. The rush, with whichthe exercise is being un-dertaken in Ghana, politi-cal analysts have warned,could be a recipe for di-saster.

It is almost certain thatthe maturity of the CI.78,in whatever version,would be too late for theElectoral Commission tocapture all candidates ac-curately for the 2012 voteon December 7. The Dis-trict Assembly electionsof 2010 had many prob-lems, because the Legis-lative Instrument was lateto Parliament and waspasses late.The Chronicle

45 seats drama... Britainsets mark for EC


Christian Hope Ministry Int'l

Apostle-in-charge: Apostle Twumasi Ankrah

Invites You All To Come Worship With Us

Tel: 647-344-6726 Cell: 416-200-2453

TIME OF WORSHIP:Sunday 10:30 am - 1:30 pmTuesday 6:00 pm - 8:00 pmFriday 8:00 pm - 10:00 pm

VENUE: 1177 Finch Dr. #20, North York

"And these signs will follow those who believe, in My Name they will cast out demons, they willspeak with new tongues, they will take up serpents, and if they drink anything deadly, it will byno means hurt them, they will lay hands on the sick , and they will recover. Amen (Mark 16:17)

"COME AND EXPERIENCE THE POWER OF GOD"

Apostle Twumasi Ankrah

Rev. Fr. Gabriel Opoku Ware

Priest-in-charge

416-901-3932Cell:

647-624-4044

Living Praise Ministries Int'lChurch

Pastor Sam & Helena Addai Pastor Elvis & Sonia HenryOur ServicesFriday: 7:30 p.m. Healing and Deliverance ServiceSunday: 10:30 a.m. - Intercessory Prayer 10:00 a.m. - Worship Team 12:00 noon - Sunday Sch., children 3-13 yrs.Weekly Spiritual GrowthTuesday: Bible Study, 7:00 p.m. at the churchFriday: Youth Ministry, 7:30 p.m. at the churchFriday: Prayer and Revival Service, 7:30 p.m. at the church

1877 Merivale Road, Ottawa, Ontario, K2O 1Y8Tel: 613-228-2189, 1-800-973-2189

We are a diverse group of individuals who come together to build achurch based upon a common foundation in Christ Jesus

Pastor Sam Addai

Welcome HomeEvangelistic Ministries

Worship Celebration ServicesSunday Worship Celebration: 10 a.m.

Friday Prayer Meeting / Discipleship Group:8 p.m. - 10 p.m.

Last Sunday of Every Month: Healing Service

Place of Worship236 Queen Mary Drive Brampton, ON L7A 3L3

Affiliated with the Evangelical Church In Canada

Snr. Pastor & Founder: Evang. & Prophetess Winnie Manu BRE, M. Div.

Contact Info: Tel: 647 210 7057 Fax: 905 495 4789 Website: www.whemtoday .org Email: [email protected]

Healing Service: Last Sunday of every month atCheyne Middle School. 236 Queen Mary Dr. Brampton.

Gospel Action Ministry

Service Schedule Sunday: Church Service - 12:30 pm - 3:00 pm Tuesday: Prayer Meeting - 7:00 pm - 8:00 pm Friday: Bible/Prayer Meeting 7:00 pm - 9:00 pm

Last Friday of the month: All Night Prayer Meeting 11:00 pm

Location: 135 Oakdale Rd.

(Back door)

Rev. Peter Awuah

Senior Pastor: Rev. Peter Awuah

Tel:

416-836-9235, 416-667-8637

Glory Pentecostal Ministry ofToronto

Invites all Christians and Non-Christiansto join us to worship the Almighty God

PLACE OF WORSHIP230 Eddystone Ave., #207, North York, Ont. M3N 1H7

WORSHIP SCHEDULESunday Regular Service 11:00 am to 1:30 pmTuesday Prayer and Healing Service 6:00 pm to 8:00 pmFriday Prayer Night 9:00 pm to 11:00 pm

Pastor-in-charge: Rev. Rockson Owusu Atwima

416-708-7742Elder Moses Frimpong 905-673-7237

We are more tan our conquerors Romans 8:37"Come and see the manifestation and the power of the Holy Spirit at work"

GHANAIAN ANGLICAN CHURCHOF TORONTO

1716 Lawrence Avenue West (Jane & Lawrence)

Bro. S.H. Morris(People's Warden) -905-792-9761Sis. Monica Akrofi(Priest's Warden)-416-748-8246Sis. Beatrice Asare(Secretary) -416-745-8148

Sunday: Bible Study - 2pm-3:00pmSunday Worship - 3pm-5:00pmWednesday: Teaching/Prayer - 7pm-9:00pmThursday: Prayer Meeting -10am-12noonFriday: Prayer Meeting - 7pm-9:00pmSaturday: Group Meetings - 3pm-7:30pm

Priest-in-charge:

Tuesday: Anointing Today, 7:30 a.m. on Vision TV (61)First Friday of each month: Midnight Prayer Meetings 11p.m.to1 a.m.

St. John's Anglican ChurchVENUE: 2125 WESTON RD., WESTON ONT.

Isaac Aborah-Sei - 647-859-9922Daniel Oteng - 647-891-4211Evans Ackah - 647-403-6385Dwomoh Abebrese - 647-774-0747

Ghanaian Congregation

Sunday: Bible Study - 1:00 pm - 1:30 pmRegular Service: 1:30 pm - 3:00 pm

Priest-in-charge: Rev. Michelle Childs-Ward ,

Incumbent 647-234-8229

Rev. Fr. Jojo Eduam Entsiwah,Associate Priest 647-400-7055

DIVINE DESTINY CHAPELDIVINE DESTINY CHAPELDIVINE DESTINY CHAPELDIVINE DESTINY CHAPELDIVINE DESTINY CHAPELINTERNAINTERNAINTERNAINTERNAINTERNATIONALTIONALTIONALTIONALTIONAL

Come And Be Empowered To Take Hold Of Your Destiny

Invites You To Come And Worship With UsAs We Exalt The Name Of Our Lord

Place of Worship:807 Arrow Rd.Sunday Service:

1:30 pm - 4:00 pmWednesday Service:7:00 pm - 9:00 pmFor more info. contact:

Email:[email protected]

PastorKoff Otten Duncan

Tel: 416-717-2291


with Jonathan AnnobilAround the Ghana Sports Scene

Six years after Frenchfootball legend ZinedineZidane was ejected fromthe 2006 World Cup cham-pionships for headbuttinganother player, the infa-mous moment has beenimmortalised in the formof a bronze statue in theheart of the French capi-tal.

It was a moment thatFrance will never forget.In the 110th minute of the2006 World Cup final be-tween France and Italy,Les Bleus captainZinedine Zidaneheadbutted Italian de-fender Marco Materazzi.Zidane was ejected from

the game, France lost anda nation was left heartbro-ken.Now the infamous movehas been immortalised inthe form of a massivebronze statue on exhibitoutside of Paris’ worldfamous Pompidou centre.

Ghana’s dream of reach-ing the quarter-finals ofthe FIFA U-17 Women’sWorld Cup for the firsttime were kept alive asthey cruised to a 5-0 winover Uruguay at Baku’sBavil Stadium.Having never made itpast the group stage in twoattempts, the Africanswere eager to assert theirdominance over Uruguay,which they did from thevery first minute. After asuccession of chances inthe opening stages, theybroke the deadlock asearly as the eight minutewhen Jane Ayieyamheaded home SherifatuSumaila’s corner.Although the pace slack-

ened after the deadlockwas broken, Ghana neverlost control and doubledtheir advantage in the 24thminute when PriscillaOkyere headed homefrom the edge of the box.Ghana made it three onthe stroke of half-timewhen Regina Antwi’s ballfound Alberta Aialey onthe edge of thebox. Anabel Ubal rushedoff her line to claim theball from Aialey’s feet, butthe ball slipped from hergrasp and the forwardwas handed a simple op-portunity to score.Two goals in as many min-utes completed the rout inthe second half against atiring Uruguay. Fatima

AlHassan made it four inthe 78th minute and 60seconds later Okyerescored her second ofthe game.Ghana will now be hopingfor a positive result fromtheir final game againstChina in Baku on Sundayto ensure their progres-sion to the last eight.The quote“This match was veryimportant for us. The winhas put us in a good posi-tion to qualify for the nextround - we needed to winat all costs. I am happythat my girls won, but Ithink there are still somethings that need to bed o n e . ” M a - U dDramani, Ghana coach

Statue of Zidane Headbuttingunveiled in Paris

Five star Ghana keephopes alive

Ghana winger AlbertAdomah believes he hasreturned to his best formfor Bristol City in the En-glish Npower Champion-ship.The 24-year-old London-born has been impressivefor the Robins in an earlyseason scoring twice andproviding three assists insix league starts.Adomah is in confidentmood and is hoping to con-tinue help City’s goodform against LeedsUnited on Saturday.

“I’m playing with confi-dence and I think I’mback to my best,” He toldBristol City Player.“It doesn’t matter how theteam are doing, but whenI get the ball it’s up to mehow I perform.“I know we have onlyplayed seven games, butat the moment the table ispleasant to look at.”Leeds United travel tothe Ashton Gate Stadiumon Saturday on the backof their impressive back-to-back wins against

Nottingham Forest in theLeague and Everton inthe Capital One Cup onTuesday but Adomah whohas twoGhanacaps believes Citycan stop them in theirtracks.“They’re going to be highin confidence after beat-ing Everton in the CapitalOne Cup.”“However, we have beengood at home this season.We will be looking toshow them what we areall about on Saturday.”

Albert Adomah praises hisdevastating form

Coach Maxwell Konaduinsists the Ghana U-20team can still get elimi-nated by Morocco despiteholding a healthy first legadvantage.The Black Satellites were4 -1 winners over Moroccoin the first leg match ofthe African Youth Cham-pionship qualifier playedlast weekend in Tamale.The resounding win hasseen many already talkingof Algeria 2013 even be-fore the return leg matchis played in Rabat.

But Konadu who wasbrought in as interimcoach of the side says itis too early to get corkydespite holding a goodcushion going into theaway encounter.“Everything is possible infootball and therefore it isimportant toremain focusbecause thework is not yet done,” hetold GHANAsoccernet.com.“They (Morocco) playedthe game here and we didthe scoring so if the sameshould happen in their

home and the start scor-ing what will then happen.“We therefore don’t haveto be complacent and wemust go there and fightand show that we want toqualify and not them.”The Black Satellites havebeen struggling to regainits spark that made themWorld Champions in 2009.The team is currentlycamping at theG h a n a m a n S o c c e rSchool of Excellenceahead of their trip toRabat for the second leg.

Ghana U-20 coach Konaduwarns against complacency

Ghana boxing legendAzumah Nelson sufferedan embarrassing humilia-tion at the Kotoko Inter-national Airport on Thurs-day night when he wasreprehensibly refused en-try to board a Delta Air-line flight to the UnitedStates.The iconic Ghanaian fig-ure was travelling to theStates to attend an impor-tant gathering of ex-WBC Super feather-weight greats for a bigcharity event scheduledfor Saturday September29 in Las Vegas.Azumah is reported tohave been involved in aminor accident enroute tothe airport due to theheavy downpour but man-aged to arrive at the air-port for check-in at8:20pm.But the duty manager atthe airlines, Vicky VonWilliams who insisted thelegend and his spokesper-son were ten minutes late,prevented them fromboarding the flight claim-ing their time for check-in had passed.Eyewitnesses sayAzumah and his spokes-person were shabbilytreated by madam Will-iams but she shockinglyallowed some expatriateswho had arrived muchlater to check-in andboarded the same flightwhich was due for fly at

10:10pm.The discriminating posturefrom the duty manager isreported to have angeredsome personnel at the air-port who were obviouslysurprised at the way theGhanaian legend was be-ing treated.Questions are being askedif airlines do not havegraced periods for check-in and whether there areno provisions for emer-gency cases.The latest incident has re-ignited talks of thepoor business-customerrelation that has rockedsome of the airline com-panies operating in thecountry.Many of such companiesthat operate in the Avia-tion industry have beenaccused for taking pas-sengers for a ‘ride ‘andmaking the business envi-ronment hostile and the‘undignified’ manner inwhich one of thecountry’s finest wastreated is just one of suchepisodes that occur ondaily basis.The three-time worldchampion is expected tojoin other boxing greatsincluding Mike Tyson,Sugar Ray Leonard,Lennox Lewis, JeffFenech, Larry Holmes,Ken Norton, TommyHearns, Roberto Duran,Julio Cesar Chavez, Os-car De La Hoya and

George Foreman for theground-breaking fund-raising event in Las Ve-gas on Saturday.WBC and world re-nowned Swiss luxurywatchmaker Hublot areorganizing this legendarynight at the prestigiousopulent Bellagio Hotel.This spectacular, star-studded event is aimed tocelebrate and support theinauguration of the WBCPension Fund.This one-time event willunite 12 of the greatestboxing legends, not tofight in the ring, but tobattle for the needs oftheir constituents.Twelve elegant and highlycoveted unique watches,each of which commemo-rates the world’s 12greatest boxers to gracethe ring will be auctionedby Bonhams for WBCPension Fund thatevening.The 12winning bidders will re-ceive their watch fromthe fighter himself on astaged ring set surroundedby more than 300 guests.All proceeds from thesale of each watch willsupport WBC’s charitableinitiative, which includes aretired boxer’s pensionand emergency fund inmore than 40 countriesaround the world.

Delta Airlines embarassAzuma Nelson


If you are interested in a career in Law Enforcement,You could apply for a $10,000 Scholarship

The “Ghanaian News” has two Scholarships available to qualifiedcandidates who are serious about a Law Enforcement career. Trainingwill be provided by the Canadian Law Enforcement Training College.

ghanaian news - september 2012 edition

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