Moving out by Gabriel Saldana

I buy my own diamonds and I buy my own rings

By Janice Desautels

To save or not to save – the choice is yours. But when time is on your side, saving for the future can be accomplished easier than you think.
A simple, fast and doable strategy helps form a habit of saving so that the money won’t be missed and a routine can be established.
Pay yourself first
One example of a strategy is to pay yourself first. What this means is that every day you work, put aside the first hour of pay toward your savings strategy. For minimum wage, which is about $10 an hour, saving that first hour (paying yourself first) can amount to $2,400 to $2,600 a year. Could this help you with your goal – be it buying a car, paying for tuition, or moving out on your own?
The routine of paying yourself first can be relatively painless by setting up pre-authorized transfers to a savings vehicle as soon as your paycheque is deposited. As time progresses, your attention goes elsewhere and your spending behaviour will have adjusted to accommodate the difference.
Moving on to more substantial goals requires more planning. In my last column, I spoke about financial literacy being the ability to understand, analyze and use financial information. This understanding is integral to making the right decisions when it comes to saving for a future goal.
Net wealth
To increase our net wealth over time, there are a number of variables that must be considered, like putting money aside and not spending it, and saving consistently even if it’s a small amount at first. This strategy will give you the discipline needed to save more over time.
Another variable is time; the longer you wait to save, the more it will cost to meet your future goals. If you start earlier, your money has more time to compound in growth, and you’ll have less to contribute to reach the goal you’re working toward. That growth will come in some form of a rate of return achieved on that savings, and over time, should increase your net wealth.
The next variable is the rate of inflation. Is the investment in which you’re saving at least providing a rate of return that exceeds inflation? This is key to preserving your net wealth, and will ensure that in the future, your money will have the same purchasing power as it does today.
The last variable that affects your net wealth is taxes. This is often overlooked, but taxes will most likely be the largest bill you pay in your lifetime, so you need to ensure that you only pay what is required.
Since there are many factors that affect our savings success, don’t go it alone. Gather the expertise to help you. Look for a financial services representative that listens to your needs, what your goals are, and then most importantly, helps you understand your options.
Don’t be sold on a one-size-fits-all concept. It should be tailor-made for you so that you understand all the information and see the value in the savings plan. Over time, this will have a very positive impact in reaching your financial goals.
Janice Desautels has been working with families and individuals for the last seven years helping educate in the field of financial literacy. She is a Certified Financial Educator with over 15 years experience in teaching and training adults.

USB

Thousands of dollars in scholarships for French learners

In 1997, French for the Future founders John Ralston Saul and Lisa Balfour Bowen imagined a future in which all young Canadians feel pride in their country’s linguistic duality, and enthusiastically pursue and embrace their own bilingualism.
Almost 20 years later, the national not-for-profit organization remains faithful to this vision and continues to be a key player in promoting the French language among students from Grades 7-12.
This fall, French for the Future launches its 10th annual National Essay Contest offering winners a share of $215,000 in scholarships at eight Canadian universities that offer French language and French immersion programs.
From Oct.1 to Dec.19, students from Grade 10 to Grade 12 from across the country (Secondary IV, V, and CEGEP 1 in Quebec) are invited to submit a 750-word essay in French exploring their take on the value of sports, arts and culture on communities. This year’s theme was inspired by the words of Michaëlle Jean, the former Governor General of Canada: “Sports culture and arts are necessities that bring together communities and give youth a way to express themselves.”

Participating universities include:
• Campus Saint-Jean, University of Alberta (Alberta)
• French Language Centre, University of Lethbridge (Alberta)
• Glendon College of York University (Ontario)
• Laurentian University (Ontario)
• Université de Moncton (New Brunswick)
• University of Ottawa (Ontario)
• Université de Saint-Boniface (Manitoba)
• Université Sainte-Anne (Nova Scotia)

Scholarships range in value from $1,000 to $12,000 and can be applied to first-language French or French immersion programs depending upon the university and student preference. A full list of scholarships can be found on the French for the Future website.
The goal of the contest, as with all other French for the Future programs, is to encourage students to explore their French language skills. The contest can also provide teachers with a great classroom activity that has the potential to really shape a student’s post-secondary experience.
Essays must be submitted through French for the Future’s website by 11:59 p.m. on Friday, Dec.19. Judging is conducted in a blind fashion by a group of teachers from across the country.
Interested students, teachers and parents are encouraged to visit the French for the Future website for full details and insight into how judges evaluate submissions.
“Writing the essay itself was a great experience. It gave me an opportunity to refine my French skills and expand my vocabulary,” says Winnipeg’s Elizabeth Roberts, who won a $3,000 scholarship to Université de Saint-Boniface. “While I am very grateful to have received a scholarship, seeing my grandparents so proud of my essay and having their seal of approval was the best reward I could have had.”
French for the Future executive director Danielle Lamothe reports: “teachers who use the essay contest as a class assignment have told us that it’s a great way to connect schoolwork with students’ future goals. The possibility of a scholarship motivates many to invest more time and energy into their work and that’s great for everyone.”
Beyond the essay contest, French for the Future delivers three additional core programs all similarly targeted to youth and teachers. For more information on French for the Future’s programs, please visit http://www.french-future.org.
-French for the Future

EVE Online - Mining

EVE is Real

By Stephan Bazzochi

With fall upon us, it’s time to look forward to chillier weather, snow – more snow – and cold. (At least the mosquitoes are beginning to migrate south.)
It’s time to put away the summer toys and hunker down for a good season of gaming to keep ourselves nice and snug indoors.
We’ve covered some casual and fun games in the past months – now it’s time to get serious. And there is no game more serious than the addiction I have spent the last eight years trying to shake.
I have spent months trying not to write about it. Alas, I ended up hitting that subscribe button, transferring the funds from my bank account and diving back into the world of wonder, beauty, and unbelievable levels of treachery.
With the new update of Hyperion just being released, there really was no better time. Being a lifelong fan of science fiction, artful trolling, scamming, espionage, and many things that almost all other games frown upon, it’s no surprise that my love of EVE never dies.
You’ve seen the ads – read countless articles about the massive battles, the unbelievable thefts of player assets, the scams, the spreadsheets, and the beauty of the graphics.
EVE delivers on all these things and then some.
There is no other game I have played for this length of time. I leave for months on end, then every time, get sucked back in. There is no escape. Continue reading

Slurpee

Event marketing is approachable for big & small businesses

By Jon Waldman

Over the summer, a number of businesses, be they Winnipeg-based, national, or international, ran community events in support of charities.
We’re all familiar with them and know them well – Tim Hortons’ Camp Day and A&W’s Cruisin’ to End MS are but two examples of the variety of events that we see on an annual basis.
The interesting part of these events is that while altruism is present, there’s also the aspect of #RCS (Real Company Stuff, as I’ve discussed in the past). An individual or company is going to be more likely to want to work with or purchase from an organization that shows true community support rather than just being about the almighty dollar.
So with that in mind, I wanted to take some space to talk about philanthropic event marketing, and the factors that will make it the success you want it to be.
The first thing to know about these events is that everyone is wise to you putting it on. No matter how well-intentioned your efforts are, the knowledge of corporate tie-in is there; branding goes along with it that ties back to your business, be it directly naming the event after your business or identifying as a sponsor. So don’t fear this element.
Second, remember that your event should have some unique aspect to it. Golf tournaments are great, for example, but what will be the hook that brings players in (outside of associates that will come as a quid pro quo when you support their event)? Will it be a featured guest keynote speaker or the chance to win a high-dollar prize? This will be key to bringing your audience to your event, whether it’s a closed-door session or something open to the public.
Third, generate the needed publicity. This is often hard because you’re at times trying to strike the balance between too much or too little exposure. Let’s say that your restaurant will match donations made to a particular charitable organization for every dollar donated during a given period. That sounds great in theory, but if your cause goes viral, you could easily end up donating more than anticipated. The same overload can happen if the draw to your location is larger than anticipated, so be ready with extra hands on deck.
At the same time, you want to ensure that enough of an audience is there to make your endeavour worthwhile. This is where factors such as weather will play a part, so planning a backup rain day or an alternate indoor location will be pertinent to your success.
Finally, make your effort accessible. This is one that often gets overlooked – not everyone can afford the $60 green fee for a golf tournament, so look at alternate means to get more involvement. Remember, you generate the same amount of money if you have 10 people donating $100 or 100 people donating $10, but with the latter you reach more eyes.
This is where I tip my cap (or cup) to 7-Eleven, who in September ran a promotion where a thirsty shopper could pay whatever they liked for a large Slurpee, with all proceeds going to charity. Imagine the freedom to donate $2 or $20. It’s simple, easy, and for the margin on syrup and ice, an easy endeavour for the 24-hour mini mart to engage in.
So with all this in mind, go forth in your philanthropic event planning, and know that your cause and company will benefit in the end.

Jon Waldman is a marketing strategist with Cohesive Marketing. To learn more about the services the company offers, call 204-992-6400 or visit http://www.cohesive.ca.

burger

The Pegasus Publications burger

By Ian Leatt

How do you like yours? Loaded with all the trimmings: lettuce, tomato, cucumber, mayonnaise, mustard, ketchup, onions, pickles, cheese, and bacon?
Marinated in beer with all sorts of other goodies?
Stuffed with cheese, waiting for that gooey ooze of hot, mouth-watering cheese to explode in your mouth?
Smoked then barbecued? Roasted then finished on the barbecue?
There are so many ways of preparing a hamburger, and in my opinion, every one is simply stunning. Let us know your favourite. Who knows, we may even have to try it and invite you over!
Here is one burger we like to make at our office after we’ve stopped devouring Le Burger Week creations, and still want more.

1 kilo ground beef
2 cups bread crumbs (freshly made)
2 eggs
1½ large onions
Lettuce
4 tomatoes
Pickles
Mustard
Mayonnaise
Barbecue sauce
Ketchup
Kaiser buns
Salt and pepper to taste

Creating the perfect beef burger is like making a miracle happen, and its appearance should be something pretty special too. (We’ll get to that later.)
To begin, prepare the beef. Make sure your bowl is large enough, and place the ground beef inside. Add the onion, finely diced, then the two cups of fresh bread crumbs. (I make my own bread crumbs, always adding chopped parsley, white and black pepper, cayenne pepper, paprika, oregano and other herbs.)
Finally, add the two large eggs, beaten.
Mix the ingredients together and then mould into round patties. Size is up to you. Place in the refrigerator for at least four hours before use.
Cooking time is important. Slow-cooked burgers are a treat, and of course, if you’re doing things the manly way, you’re cooking them on the barbecue. (Why is it that so many men like to barbecue but won’t cook in the kitchen?)
Heat the barbecue to the required temperature, usually around 300 degrees. While you are waiting for the barbecue to heat, take the burgers out of the refrigerator and cover one side with a sauce of your choice. Then place the burger on the barbecue sauce side down, and spread more sauce on top.
Some people say you should only turn burgers once, keeping the juice in, but temperature is the real key. Turn the burgers when the blood starts to show and keep doing this until the burgers are blood-free.
What you put in the bun with the burger is up to you.
Here’s my formula:
Slice the bun open and on one side spread mustard (usually Dijon), then on the other side spread the mayonnaise. Place an onion slice on the bottom part of the bun, then add sliced tomato, cucumber and lettuce.
Then, simply place the burger on top, add a pinch of salt and pepper for taste, and enjoy.
I mustn’t forget to add that the burger doesn’t have to be just beef. There’s nothing wrong with pork, chicken, lamb, fish… Any burger is a great burger.

Ian Leatt is general manager of Pegasus Publications Inc.

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