கவனிக்க: இந்த மின்னூலைத் தனிப்பட்ட வாசிப்பு, உசாத்துணைத் தேவைகளுக்கு மட்டுமே பயன்படுத்தலாம். வேறு பயன்பாடுகளுக்கு ஆசிரியரின்/பதிப்புரிமையாளரின் அனுமதி பெறப்பட வேண்டும்.
இது கூகிள் எழுத்துணரியால் தானியக்கமாக உருவாக்கப்பட்ட கோப்பு. இந்த மின்னூல் மெய்ப்புப் பார்க்கப்படவில்லை.
இந்தப் படைப்பின் நூலகப் பக்கத்தினை பார்வையிட பின்வரும் இணைப்புக்குச் செல்லவும்: தாய்வீடு 2007.12 
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jha;tPL • brk;gH 2007 ed;wp kwg;gJ...
q;F tho ehq;fs; epidj; s; Ntiy nrhy;tJ s; Mrpup- hu;fs; ?
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Gq;FLjPT gioa khzth; rq;fk;
,lk;: ];fhgNuh rptpf; nrd;lh;
fhyk;: 26.01.2008 Neuk;: gp.g. 1.00 - 6:00 tiu

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jha;tPL • brk;gH 2007
fpwp];k];fhyj;jpy; tPLfis myq;fhpj;jy;
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- tPL tpw;gidg; gpujpepjp -
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- 6 - fpwp];k]; fhyj;jpy;...
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jhf fj;jhpg;gjd; %yk; Gifgpbg;gijj; jtpUq;f
• tpLKiwfhyj;jpw;Fhpa gyfhuq;fs; jahhpg;gij jtiuf; $l;br; Nrh;j;J> thrpg;gjw;F>
Kd;dpUe;Nj Muk;gpAq;fs;. tPl;L Ntiy nra;tjw;F> fpwp];k]; tho;j;J ml;ilfis vOJtjw;F my;- yJ Fl;bj; J}f;fk; Nghl mioAq;fs;. cq;fs; Fspayiwapy; ePz;l nkOF-
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th;j;jpfisr; nfhOj;jp itAq;fs;.
• ad;dy;fs;> fjTfspw;fpilNa Fsph;fhw;W cl;GF cq;fs; tPl;by; rpWgps;isfs; ,Ue;-
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Ventilation and Air Conditioning) cw;gj mwpTWj;jy;fSf;Nfw;g Rj;jpfhpAq;fs;.
• tspf;Foha;fspy; (Air ducts) fopTg;nghUl;fs; dth vd rhpghUq;fs; Ntw;Gf;F milahskhFk;.
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rpwpa fopTj; Jz;Lf;fhfpjq;fisf; nfhz;L kyh; tisaq;fisr; nra;Aq;- fs;.
CrpKidg; gFjp (Nozzle) milgl;bUf;fpd ghpNrhjpAq;fs;.
• Rth;fs;> RtiuAk; cl;Gwj;jsj;ijAk; ,iz
gpd; fjTfspy; cl;GwKk; ntspg;GwKk; ad;dy;fspYk; kyh; tisaq;fis
,k; khjj;jpw;Fhpa Kf;fpa Fw
(Base boards)> jsghlq;fs;> jsk; (Floor) vd;gtw;i
• cq;fs; Nkhl;lhh; thfdj;jpDs; khhpfhy thdpi itf;fyhk;.
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njh
÷Õ> ∂w ̨B T‚Á¶ kV∫Ô sÚDA ̨S ̇Ô·V?
240 Bedrooms, 78 Washrooms, 825,000 square feet, 40 acre garden, 1500 doors, 750 windows, movie theatres, swimming pools, many more..
÷[–D √È kƒ]Ô^... ∂m √¬ ̨∫ÔVD ∂ ́ı\ÁTM m ́]i¶kƒ\VÔ ∂m su√ÁTM¬ ̨_ÁÈ. gTMVKD ®[TMV_ c∫Ô”¬z ÿ√VÚ›>\VTM, ∏Ω›> ∂w ̨Bo>V ̇ ÷_È›Á> kV∫ ̨› > ́xΩ•D.
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fspy; itg;gjw;Fhpa nkOFth;j;jpfs; vd ghUq;fs;. Nkyjpfkhfj; Njitg;- kpAq;fs;.
pd; Nkw;gFjpfis 1/4mq;Fy ePsKs;s ifgpbg;gijj; jtpUq;fs;.
fhuq;fs; jahhpg;gij xU fpoikf;F ;.
khitj; jahhpj;J ciwepiyapy; ;gLk; NghJ fdyLg;gpy; (Oven) ,l;L ke).
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,Uf;fpd;wjh vd rhpghUq;fs;.
gl;lgb ntg;gNkw;wpapd; (Furnace) Njitahapd; khw;Wq;fs;.
prPuhf;Fk; cgfuzq;fis (Heating, nditioning) cw;gj;jpnra;gth;fspd; ;jpfhpAq;fs;.
cts) fopTg;nghUl;fs; fhzg;gLfpd;w-
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pDs; khhpfhy thdpiyf;Fhpa mtruj; mfw;Wk; fUtpfs; (Compact shovel, ice light)> kzy;(thfdk; tOf;fpr; nry;yf; >Xh; jbj;j fk;gspg;Nghh;it> FsphpypUe;J ; vd;gtw;iw jahh; epiyapy; itAq;fs;.
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gdpf;fPyq;fis (Snow flakes) nts;- isf; fhfpjj;jpy; ntl;b cUthf;Fq; fs;. ,tw;iw ,uz;bypUe;J 5 Mf mtw;wpd; gUkDf;Nfw;g gphpj;J fjT fs; ad;dy;fs; Frpdp mYkhhpfspy; xl;Lq;fs;. ,g;gdpf; fPyq;fis vt;thW nra;tJ vd;W ghh;g;Nghk;. nts;isf; fhfpjj;jpy; rhpahd rJuq;- fshf (mit ve;j msthf ,Ug;gp- Dk;) ntl;b vLf;fTk;. gpd;dh; mjid rJukhf tUk;tiu miuthrpahf ,uz;L jlit kbf;fTk;. gpd;dh; mjid Kf;Nfhzkhf kbf;fTk;. ikag;gFjpia tpl;L mjd; ;Xuq;fs; vy;yhtw;iwAk; myq;fhu Ntiyg;- ghLilajhf ntl;Lq;fs;. ,tw;iw tphpj;J cq;fs; gdpg;gspq;Ffs; vt; thW te;jpUf;fpwJ vd;W ghUq;fs;. gpd;dh; mtw;iw jl;ilahf tphpj;J xU Nfhg;G (File) xd;wpDs; mLf;fp itAq;fs;. ,tw;iwg; gad;gLj;jpa- gpd; mfw;Wk;Nghj fpope;J tpLtjhy; xUtUlj;jpw;F kl;LNk ,tw;iwg; gad;gLj;jyhk;.
•
cq;fs; gps;isfspd; fpwp];k]; Gj;jfq;fs;> cq;fs; fpwp];k]; iftp idg; Gj;jfq;fs;> tpLKiwfhy rQ;rpiffs; vd;gtw;iw Nfhg;gp Nkirfs;> Fspayiwfspy; xOq;- fhf mLf;fp itAq;fs;.
•
ghpRg; nghjpfis rpwg;ghd ftdk; vLj;J nghjp nra;J fpwp];k]; kuj;- ijr; Rw;wp vt;ntt; ,lq;fspy; itg;gJ vd;gijf; Fwpj;J rpwg;ghd ftdk; vLq;fs;. ,g;ghpRg; nghUl;fs; jpwf;fg;gLk; ehs; tiu ,it mw;Gj- khd tpLKiw myq;fhug; nghUl;f- shf ,Uf;Fk;. gioa tpLKiw tho;j;J ml;ilfis fj;jhpj;J ghpRg; nghUl;fspy; ngah;fis vOJtjw;F ml;ilfshfg; (Tags) gad;gLj;jyhk;.
•
cq;fs; FLk;g mq;fj;jth;fSld; tpLKiwfhyj;jpy; ePq;fs; gfph;e;J nfhz;l ehl;fspd; glq;fis ntl;b
‚Á¶ kV∫Ô  ̇Ô·V?
square feet, 40 movie theatres, e..
. ∂m ∂ ́ı\ÁTM
_ÁÈ. gTMVKD >\VTM, ∏Ω›>  ̨› > ́xΩ•D.
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k;.
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SHRI PARAMSOTHY
Sales Representative Dir: 647.285.4663
Office: 905.812.9000, fax: 905.812.6909
shri@shri.ca, www.shri.ca
TERREQUITY REALTY, BROKERAGE, Independently Owned And Operated 2690 Erin Centre Blvd., Unit A5, Mississauga, ON L5M 5P5

Page 7
jha;tPL • brk;gH 2007
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jpd; Ng ghl;il kUz;ltd; fz;Zf;F ,Uz;lnjy;yhk; Nga; vd;gijg;Nghy; kfpe;j muR jkpo; vd;W njupe;j midtiuAk; ms;spr; nry;fpd;wJ.  mur mikr;ruitapy; ,Uf;Fk; kiyafj; jkpo;f; fl;rpfisr; rhu;e;jtu;fs; ,e;j eltbf;iff;F vjpuhf Fuy; vOg;gpapUf;fpd;wdu;. fle;jfhyq;fspy; ,lk; ngw;w flj;jy;fs; ifJfSf;Fk; vjpuhf ,tu;fs; $l;Lr; Nru;e;J Fuy; nfhLj;jpUe;jhy; rpyNtis ,e;jf; ifJfs; jtpu;f;fg;gl;bUf;fyhk;.
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tsu;r;rp cs;Sk; GwKk; ,Uf;f Ntz;Lk;. gy ,dk; thOfpd;w xU ehl;by; xU ,dkhf ek;ik milahsg;gLj;j ,t; tsu;r;rp kpf Kf;fpakhdJ. nghUshjhu tsu;r;rp vd;gJ> njhlu;Gilatu; jk;ik ,dkhf milahsg;gLj;jpdhw;jhd; ,dj;jpd; tsu;r;rp. ,y;iynad;why; mJ jdp kdpj tsu;r;rp. tl mnkupf;fhtpy; nghUshjhuj;jpy; cau;e;jpUf;Fk; gyu; jk;ik jkpou;fshf milahsk; fhl;bf; nfhs;tjpy;iy. fy;tpapdhy; cau; gjtpfspy; ,Uf;Fk; gyUk;  nghwhik mfy Ntz;Lk;. xUtUf;F xUtu; cjTk; vz;zk; tYg;ngw Ntz;Lk;. vy;yh epiyfspYk; ,d xw;Wik Ngzg;gl Ntz;Lk;. ,itnay;yhk; xU ,jopd; Mrpupau; jiyaq;fj;jpy; ,lk;ngWfpd;w tplaq;fs; ,y;iy vd cq;fspy; gyu; fUjyhk;. Mdhy; ,g;NghJs;s fdbaj; jkpo;r;r%fj;jpw;F kpf mtrpakhd nra;jpfs; ,it. vkf;fpilNa gpupTfs;> gpsTfs; kype;J fplf;fpd;wd. fhl;bf; nfhLg;Gfs;> nfLg;Gfs; vq;Fk; ,Uf;fpd;wd.
gy;ypdg; gz;ghl;Lf;Fs; ,Wf;fkhf ,Uf;f Ntz;ba vk; xUikg;ghl;il rpijf;Fk; fhuzpfis tpyf;fp> xUkdjhf ,ize;J tho mLj;j jiyKiwf;NfDk; fw;Wf;nfhLf;Fk; tho;it tho Kay;Nthk;.
,J Kw;wpYk; ,ytrkhd Nrit!!
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Njhlk;goj Vyf;fha; ,l;L> mi #l;by; i Njitf;Nf ehSf;Fk nfhLf;Fk Gjpjhf n
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cq;fs yJ c $ila ,dpg;Gj ghpRfs fs;> my;yJ ug; ng ifgpba
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cq;fs
ngaH www.inayam.net
xypgu mtw;wp

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6k; gf;fj; njhlHr;rp...
my;yJ fhy; jLg;Gfis (Rugs)> gr;ir – rptg;G fye;jjhf khw;wpg; vLj;J mtw;iw xU nghpa Ngh];lh;
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•
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•
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cq;fs; fl;by; tphpg;Gfs;> comforters>
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Publisher & Editor : P.J. Dilipkumar gjpg;ghsH> MrpupaH : gp.N[. bypg;FkhH
MNyhrfH FO : Qhdk; yk;Ngl;> kh%yd;> fUzh>
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tiufiy MNyhrid : fUzh (b[p tiufiy mikak;)
njhlHGfs;: For More Info : Editor
P.O.Box #63581 Woodside Squarew 1571 Sandhurast Circ. Toronto, ON. M1V 1V0
Montréal tpepNahfk; : RFkhud; rpd;idah
1-514-299-3186 Ottawa tpepNahfk; : mnyf;]; rptrk;G
1-613 -276-7253
Tel: 416-646-3422, 416.400.6406 Fax: 416.849.0594 Web: www.veedunews.com E-mail: thaiveedu@gmail.com
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• No Money Down Programs
• Credit ∏ ́flEÁ· c^·k ̇Ô^ Late Payment, Bankruptcy a
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TEL: 416.526

 ́VD  ̨Úi RAM KRISH Senior Mortgage Consultant The Mortgage Alliance company of Canada
Head Office: 2005 Sheppard Ave. E, Suite 200, Toronto, ON M2J 5B4 Phone: 416.499.5454, Fax: 416.499.8366 TEL: 416.526.4996
oney Down Programs it ∏ ́flEÁ· c^·k ̇Ô^ Credit ÷_ÈV>k ̇Ô^ Payment, Bankruptcy and R9’s - No Problem B zΩk ́kV· ̇Ô”¬zD, ∑B ÿ>Va_ kVF©A^·k ̇Ô”¬zD Mortgage
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jha;tPL • brk;gH 2007

Page 9
jha;tPL • brk;gH 2007 Gjpa tPLfisf; nfhs;tdT n juk; cau;j;JjYk; (Upgrad
Ntyh Rg;ukzpak;
- Certified Home Inspector -
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Everything DIRECT FROM MANUFACTURER
Factory Direct Prices Custom Custom Made Made Wood & Vinyl Shutters Blinds Draper California Style Shutters Plantation Style Shutters
Traditional Style Shutters Arches
Swags Sheers Valance Curtains
(We Do Any Colour Of
And Mo
Paint & Stain)
Vertical Blinds Venetian Blinds Wood Blinds Bamboo Shades Roller Shades And More
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ROYAL ROYAL
SHUTTERS SHUTTERS & & BLINDS BLINDS
INC. INC.
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Sales - Service - Installations
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- 9 -
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Siva Ratn
4
No.

Siva Ratnasingam Mortgage Consultant 416.430.0111
2005, 2006 Diamond award winner No. 1 Invis Mortgage agent in Canada
CEYLINGO FINANCIAL GROUP.
2929 Lawrence ave east, suite 203 Scarborough, ON M1P 2S8
Karuna Gobalapillai Mortgage Consultant 416.430.0111
jha;tPL • brk;gH 2007





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jha;tPL • brk;gH 2007
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Mortgage fl;lhky; %d;W khjk; tPl;by; ,Uf;f
fUzh Nfhghygps;is
- tPL tpw;gidg; gpujpepjp -
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•
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Page 12
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®\¬ÿÔ[Æ ŒÚ >M¬z
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MAILVAGANAM (MIKE)
Senior Acc
Residen (2006 Platinum
416-2
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jha;tPL • brk;gH 2007
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TWO PROFESSIONAL MORTGAGE SPECIALISTS UNDER ONE ROOF WITH RATES YOU CAN’T BEAT
MAILVAGANAM (MIKE) AHILAN Senior Accounts Manager Residential Mortgages (2006 Platinum Award winner) 416-220-1184
VINCE SINNADURAI Senior Accounts Manager Residential Mortgages (2006 Platinum Award winner) 416-917-9462
416.438.1688
Fax: 416.438.1612 2250 Midland Ave., #3 (South of Sheppard) Unit 3, Scarborough, ON M1P 4R9





Page 13
jha;tPL • brk;gH 2007
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NkNy gy Ritahd re;ju;g;gq;fspy; vg;gb el;l



Page 14
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kVμ¬ÁÔ ∑k ̇¬Ô\Vkm ÷MB ÷_Èÿ\V
I 401/Hurontario
can also Commercial/Retail
assist you with: Mortgage Financing,
$250,000 Busy, Excellent Location. The Heart Commercial/Retail
Home Inspection, Of Amc Courtney Park Entertainment Area. A Profitable
Real Estate Restaurant (Turn Key To Make Money)
Lawyer
Elaguppillai (Mike) Srinathan,
B.Sc. Sales Representative Direct: 416.276.1225 esrinathan@trebnet.com HOMELIFE/GTA Realty Inc. 1711 McCowan Rd., Suite 206, Toronto, ON M1S 3Y3
W.Oak Tr / 3rd Line
$299,900 3 Bedrooms, 3 Washrooms, End Unit!Hardwood Floors.Modern Shaker- Stlye Kitchen Cabinets.Neutral Colours Througout.
Mccowan/16th Ave
$449,000 4 Bedrooms, 3 Washroom, Brand New Never Lived.Yorkwoods Popular Bridelwood.Practical Layout Very Bright & Neutral
Markham/Eglinton
$105,000 2 Bedrooms, 2 Washrooms, Large Spacious Unit Balcony, Steps Tp Ttc, Schools, Shopping, Priced To Sell Fast.
Middlefield/Denison
$394,900 4+1 Bedrooms, 4 Washroom, Home In Prestigous Location Corner Lot. Great Layout 4 Bdrm House With 1 Bedroom Basement Apartment
Finch And Middlefiel
$130,050 Brand New Two Storey Indoor Mall Located Right At The South East Corner Of Finch And Middlefield.
Mccowan/Eglinton
$173,000 2+1 Bedrooms, 2 Washrooms, Newly Renovated Spacious Unit. Excellent Condition! Renovation Includes New Laminate Flooring
Morningside/Sheppard
$459,000 4 Bedrooms, 3 Washroom, Less Than 3 Years Old Detached Mattamy Build Home. 4 Bedrooms On The 2nd Floor And A Library.
Markham & Steeles
$395,000 4+2 Bedrooms, 4 Washroom, Newer Home In Fast Growing Neighbourhood! 2 Min.To Ttc & Steeles, Front Door Glass Enclosure
Mccowan & Denison
$299,900 3 Bedrooms, 3 Washroom, Hardwood Floors Throughout. Parking For 4 Cars & Brand New Finished Basement
Middlefield/14th Ave
$479,900 4+2 Bedrooms, 4 Washrooms, Shows 10+++, Interlocked Driv Wooded Deck In Backyard Significant Home
Brimley/Finch East
$234,900 3+1 Bedrooms, 2 Washroom Beautiful Townhouse Close To Amenities. Excellent Location. C To Schools, Ttc, Parks, Shopping
Neilson & Finch
$329,000 4 Bedrooms, 3 Washroom, Ap
1700 Sqft. 9 Ft Celings, Parqu Flooring On Main Floor An
Hallways
Taunton/Wilson
$399,300 5 Bedrooms, 3 Washrooms, Bedroom Home, 5th Bedroom 3.84X3.18. **4 W/I Closets** M Floor Office, Main Floor Laun

∑k ̇¬Ô\Vkm ÷MB ÷_Èÿ\V[§_...
) Srinathan,
B.Sc.
5
N M1S 3Y3
Middlefield/14th Ave
$479,900 edrooms, 4 Washrooms, ouse
10+++, Interlocked Driveway, ooded Deck In Backyard,
Significant Home
Brimley/Finch East
$234,900 1 Bedrooms, 2 Washrooms,
tiful Townhouse Close To All ities. Excellent Location. Close ools, Ttc, Parks, Shopping Malls.
*New Retail/Restaurant Units Available for SALE/LEASE*
I can also assist you with: Mortgage Financing, Home Inspection, Real Estate Lawyer
Taunton/Wilson
$399,300 edrooms, 3 Washrooms, 5 oom Home, 5th Bedroom Is 3.18. **4 W/I Closets** Main r Office, Main Floor Laundry
Neilson & Finch
$329,000 rooms, 3 Washroom, Approx 0 Sqft. 9 Ft Celings, Parquet oring On Main Floor And
Hallways
Finch/Neilson
$279,900 4 Bedrooms, 2 Washrooms, Bright, This Bungalow Is A Perfect Home. Totally Renovated, Spent Thousands Of $$. 4-Brdm
Birchmount/Steels
$409,000 3+1 Bedrooms, 3 Washroom, Beautifully Well Kept Home In Quiet & Convenient Location. Owner Spends $ On Upgrades.
14th/Markham
$349,900 3 Bedrooms, 3 Washroom, All Brick Remington Built Home, Professionally Landscaped Lot, Interlock Driveway
Brimley & Denison
$279,900 3+1 Bedrooms, 2 Washroom, Newly Renovated Homein This Quiet Markham Neighbourhood, South West Facing
Torbram/Sandalwood
$439,900 4+1 Bedrooms, 5 Washroom, Gorgeous Corner Lot In Springdale.Executive Home With A Professional Finish Basement
Markham/Highglen
$369,900 4 Bedrooms, 3 Washroom, Well Maintained Home. Bright And Spacious, Convenient Location, Close To Shopping
jha;tPL • brk;gH 2007





Page 15
jha;tPL • brk;gH 2007
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17k; gf;fk; ghu;f;f...





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kf;fs; Nritapd; kfj;Jtk
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jha;tPL • brk;gH 2007 f;fs; Nritapd; kfj;Jtk;
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ijAk; cly; tUj;jj;ijAk; jkJ tUe;jp> Nfhkhspahf> ,jdhy; Fbf;fj;
kjk; khw;Wk; Ntiyf;Fr; rhjfkhf njhlq;fp> jpdKk; tPL nrd;why;
khw;wptpLfpwhu;fs;. r%f Nrit vd;gJ Fbj;J> mjd; fhuzkhf Cirrhosis of the
ve;j tpj vjpu;ghu;g;Gk; ,y;yhky; nra;ag; liver my;yJ Travelling Pancreatic vd;W
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nra;af;$lhJ. Mq;fpyj;jpy; ,t;thwhd vkJ mYtyfj;jpy; fhj;J ,Ue;jij
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r%f Nrit my;y> mJ xU tpahghu tpjkhd nfhba Nehahy; ,we;jdu;.
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Vw;wf;nfhs;sg;gLk;. vdNt ehk; vkJ tzq;Ftjpy; gpuNahrdkpy;iy.
r%f Nritia vt;tpj vjpu;ghu;g;Gk; ,y;yhky; nra;aNtz;Lk;. kdpjdhfg; ,d;Dk; rpyu;> Vior; rpwhu;fSf;Fk;
gpwe;j xt;nthUtUk; jd;dhyhd tNahjpgUf;Fk; cjtpnra;AKfkhf mtu;
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“kf;fs; NritNa kNfrd; Nrit” rkaj;ij ,opTgLj;jp> “me;jr; rkak; ngha;> mJ ,iwtid mila cj thJ> fz;lijAk; nja;tnkd;W ek;ghjPu;fs;> ,iwtd; xUtNd cz;L> mtDf;F cUtk; fpilahJ> ePq;fs; cUtq;fis tzq;FfpwPu;fs;” vd;W Nftykhfr; nrhy;yp> mtu;fs; kdij khw;wptpLfpwhu;fs;. ‘mbNky; mb mbj;- jhy; mk;kpAk; efUk;” vd;gJNghy; cjtp ngw;wtu;fspd; kdij mtu;fs; tpUk;gpNah tpUk;ghkNyh khw;wptpL
tPL gj;jpupifapy; tpsk;guk; nra;tPH. tzpfj;jpd; vy;iyfis tpupthf;FtPH!
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jha;tPL • brk;gH 2007
kJ Nghijapy; thfdk;...
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(Mandatory alcohol education
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2003
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mnkhpf;fhit gw;wp Ma;T nra;gth;f Sf;F ,J ey;y Neuk;. vkJ Ma;thsh; fs; vy;yhg; gpur;ridAk; mnkhpf;fhtp dhy; jhd; vd;W ntWk;thia nky;Y gth;fSf;F ,e;j mnkhpf;f ehzaj;jpd; tPo;r;rp mty; fpilj;j khjphp.
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Page 19
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Page 20
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Justin William
Broker Cell: 416.803.7344
Ravi Raveendran
Broker Cell: 416.817.8479
Wilton Gnanapragasam
Sales Representative Cell: 416.554.4747
HomeLife GTA Realty Inc.,
Brokerage*1711 McCowan Rd, Su
This is not intend to solicit properties currently listed for sale
I Nghd; gpsh];kh up.tp [p.gp.v]; etpNfrd; nfhilth nrhf;fNsw; iyt; ,d;#ud;];
a gift that lasts
,e;j tUlk; cq;fs; FLk;gj;Jf;F cq;f
IN
SU
LIFE R
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C
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For All Your Real Estate Needs
$ 159,000
Kipling & Steeles
2 Bedroom Condominium Absolutely Move In Condition Large sw Corner Unit Gorgeous View Call Ravi For Details....
$ 349,500
McCowan & Finch
3+2 Bedroom Clean House Great Location
In Scarborough Basement Apartment W/Entrance Renovated Kitchen & Washrooms Call Wilton For Details....
familyprotection.ca
Ke
Rainbow V One Bedro Great Faci Walk To S Call Wilto
Mor
Beautif 4+2 Be Lots O Walk-O Call Ra
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IN
SU
LIFE R
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r Real Estate Needs
1711 McCowan Rd, Suite 206, Scarborough, On.
familyprotection.ca
ium ondition
...
h
ouse rborough W/Entrance
Washrooms ls....
give the gift of life insurance
a gift that lasts longer
$ 149,900
Kennedy & Eglinton
Rainbow Village Condominium One Bedroom Plus Solarium Great Facilities & Day Care Ctr Walk To Subway & Ttc. Call Wilton For Details....
$ 234,900
Warden & Finch
S
Spacious Luxury Condo Approx 1375 Sq Ft Excellent Neighbourhood 24 Hrs Security Call Wilton For Details....
$ 419,500 o
ld
Morningside & Finch Beautiful Detached House 4+2 Bedrooms Lots Of Upgrades Walk-Out Finished Bsmt Call Ravi For Details....
Detached Full Brick House Almost 5 Years New 3 Good Size Bedrooms Larger Lot Call Justin For Details....
Office: 416.321.6969
*Independently owned and operated
McCowan & Finch
3 Bedroom Condo Townhouse Well Maintained House Basement Apartment Ttc At Your Door Step Call Justin For Details....
$ 164,900
Neilson & McLevin
Well Maintained Condominium 2 Bedrm W/Ensuite Washrm Recently Renovated Unit Two Parking Spaces Call Wilton For Details....
$ 329,000
McCowan & Denison
3+1 Bedroom House Finished Basement Approx 1600 Sq Ft Recently Painted Call Justin For Details...
$ 239,900
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jha;tPL • brk;gH 2007
$ 234,900
Brimley & Finch
Beautiful Condo Townhouse Excellent Location Spacious 3+1 Bedrooms Close To Schools & Ttc. Call Ravi For Details....
$ 324,900
Markham & Elson
Less Than 5 Years Old Well Kept Semi Detached Hse Spacious 3 Bedrooms Double Door Main Entry Call Ravi For Details....
$ 369,900
Mornings.. & Old Finch
$ 236,900
Pharmacy & Finch
4 bedroom Condo Townhouse Totally Renovated Laminated Floor Throughout Convenient & Quiet Location Call Justin For Details...
S
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Page 21
jha;tPL • brk;gH 2007
• INVES Condo Prope
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East Mall/Burnhmthop
$234,000
Condo Townhouse 2 Storey, 3+1 Bedrooms, 3 Washrooms, First Time Buyer's Affordable Dream Home In High Demand Area(Etobicoke). Well Maintained And Thousands Of Dollars Spent
Warden / Finch
$349,900
Link 2-Storey, 3 Bedrooms, 3 Washrooms, All Brick Remington Built Home, Professionally Landscaped Lot, Interlock Driveway & Back Patio Area. Oak Hardwood & Ceramics On Main Floor
Warden / Finch
$174,900
Condo Apt, 3 Bedrooms, 2 Washrooms, First Time Buyer's Dream Home.Move In Condition.Well Maintained Condo In Great Location (Warden & Finch)With Laminate Floors.
Mclevin/Neilson
$279,000
Detached 2-Storey, 4 Bedrooms, 4 Washrooms, Beautiful Home!! This Home Features 4 Spacious Bedrooms And Has Hardwood Floors, Renovated Kitchen And Bathrooms
Brimley & Denison
$279,900
LInk 2-Storey, 3+1 Bedrooms, 2 Washrooms, Newly Renovated Homein This Quiet Markham Neighbourhood, South West Facing, Walking Distance To School, Park, Bus To Finch Subway
Hwy 10/Vodden
$239,900
Detached 2-Storey, 3 Bedrooms, 2 Washrooms, Excellent Starter Home, Fully Landscaped, Front Patio With Interlocking Brick, Roof One Year New, Furnace 2Years New, Basement has 3 Pc Washroom
Markham/Sheppard
$227,900
Att/Row/Twnhouse 2-Storey, 3 Bedrooms, 2 Washrooms, Immac.Sparkling Home On Child Safe Quiet Court. New Brdloom & New Laminate Flrs, Liv & Din May/06 Fresh Paint Throughout.
Kennedy/Major Mac
$485,000
Detached 2-Storey, 4 Bedrooms, 4 Washrooms, Bright & Lovely 7Yr Quality Built Mattamy Home In Markham, Easy Access To Public Transportation, Schools & Amenities
Param Gnane Broker 416.230.1107 HomeLife GTA Realt
Office West 145 Traders Blvd., Suite #28 Mississauga Tel: 905.712.2666
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Param Gnaneswaran Broker 416.230.1107 HomeLife GTA Realty Inc. Brokerage
ice West
Traders Blvd., te #28 sissauga el: 905.712.2666
Office East 1711 McCowan Rd., Suite #206 Scarborough Tel: 416.321.6969
Hy7/Glenvale
$249,900
Semi-Detached 2-Storey, 3+2 Bedrooms, 2 Washrooms, A Perfect Investment Opportunity.Mature And Established Neighbourhood. Two Bed Room And 3 Piece Bath In Basement
Nellson/Mclevin
$229,900
Detached 2-Storey, 3 Bedrooms, 3 Washrooms, Good Starter Home, Well Kept Move In Condition , Recentily Painted And Renovated Kitchen, Step To Ttc, Close To All Schools
Derry Rd/Tenth Line
$299,900
Semi-Detached 2-Storey, 3 Bedrooms, 2 Washrooms, 2nd Floor Sunfilled Family Room - Soaring '9' F O O T Ceiling!**Tasteful Quality Laminated Flooring And Staircase
Britania/10 Linc
$259,000
Att/Row/Twnhouse 2 Storey, 3+1 Bedrooms, 3 Washrooms, 3 Bedroom Free Hold Townhome, Large Fenced Backyard, Separate Entrance To The Finished Basement With 2nd Kitchen
Markham/Sheppard
$229,900
Att/Row/Twnhouse 2 Storey, 4+1 Bedrooms, 3 Washrooms, Upgraded, Clean And Bright 4 Bedroom Home With A Separate Entrance To Basement Apartment.
Derry/Second Line
$306,000
Semi-detached 2-Storey,3 Bedrooms, 2 Washrooms, Gorgeous Mattamy Home, With Upgraded Light Fixtures, Ceramic Kitchen Backsplash, Mirrored Closet
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jha;tPL • brk;gH 2007





Page 23
jha;tPL • brk;gH 2007
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• xU ngupa Hotel ,y; mjDila Lift (Elevator) nraw;gLk; Ntfk; Nghjh njd;W thbf;ifahsh;fs; gy jlit Kiwg;ghL nra;Jtpl;lhh;fshk;. mij khw;w ngUe;njhif nryT Vw;gLNk vd;W Kjyhsp ftiyg;gl;Lf; nfhz;- bUf;ifapy; xU Hotel Copad; nrhd;dhuhk; lift f;F ntspNaAk; cs;- NsAk; ngupa Kfk;ghh;f;Fk; fz;zhb iag; nghUj;jpdhnyd;d vd;W Nahrid nrhd;dhuhk;. mij Vw;W KjyhspAk; mijg; nghUj;jpa gpd; Kiwg;ghL xope;Jtpl;ljhk;. thbf;ifahsh;fs; jq;fs; moiff; fz;zhbapy; ghh;g;gjp NyNa Neuj;ijr; nrytopj;Jtpl;lhh; fshk;. gpur;rid rpW nrytpy; jPu;f;fg; gl;Ltpl;lJ.
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For Rent
3 Bed Room Condo Town Ho
Finch & Birchmount
416 - 587 6442
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Finch & Birchmount
416 - 587 6442
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nrhh;f;fk;> eufk; Neh;ikahf tPL tpw;why; (tpahghuk; nra;jhy;) nrhh;f;fk; nry;thh;fshk;. Neh;ik jtwp tpahghuk; nra;jhy; eufk; nry;thh;fshk;. vq;F nry;y tpUk;GtPh;fs; vd;W vd;idf; Nfl;lhy; vq;f Nghdhy; $l tPL tpw;fyhNkh mq;F jhd; Nghf tpUg;gk; vd;Ngd;!
Njhy;tp kdg;ghd;ik Njhy;tp tuyhk;. Njhy;tp kdg;ghd;ik jhd; tuf;$lhJ.
gbg;gbahf ePq;fs; vl;l epidg;gJ kpf caukhff; $l ,Uf;fyhk; Mdhy; mij mila Ntz;Lkhdhy; xt;nthUgbahf vLj;J itj;Jj;jhd; Kd;Ndwpr; nry;yNtz;Lk;.
tpkh;rdk; cd; clk;gpy; Gz; ,y;yhjtiu cd; kPJ xUth; cg;igj; J}tpdhy; vupag; Nghtjpy;iy. ek;kPJ Fw;wkpy;yhj gl;rj; jpy; gpwuJ tpkh;rdq;fs; ek;ikg;ghjpf;f Ntz;bajpy;iy.
kfhj;kh jPtputhjpahk; Mkhk; td;Kiwiaj; Jsp $l Mjupf; fhj jPtputhjp.
TOWN HOUSE FOR SALE/RENT
PHARMACY & FINCH re;jpg;Gf;F mUfpy;
Beautiful newly painted 3=1 Bedroom Town House with finished basement, Great end unit (Like Semi with single garage( upgraded kitchen, laminated 4 tile floors & 3 wash rooms
tpw;gidf;F my;yJ thliff;F cz;L. Close to TTC (24 hrs) Hwy 404 & 401 Price : $ 229,000. Available immediately .
Call: (416) 937 2114
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Page 24
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Unique Financial & Business Solutions Inc
One Stop for all Your Fin
We Offer
• FREE Mortgage Consultation
• Residential & Commercial
• Business Loan & Personal Loan
• Real Property Marketing
• Life Insurance
• All Accounting and Bookkeeping services
COMMERCIAL MORTGAGE
• Commercial Interest starts from 5.5%
• New Business Loans
Harry 416.856.4276
•
•
÷Èkƒ goÈVƒÁTM•¶[ T‚|¬ÔVTM Ô¶–>
• Ist & 2nd Mortgage
• Commercial Mortgage
• Re-Finance to get rid of your loans
• Bridge Financing
• Cottage Properties Financing
• Up to 90% LTV
• Non-Permanent Resid
• Rental Properties Fina
K.N. KANNAN Mortgage Consultant Tel: 416-854-6183 Montréal: 1-514-787-9486 Office: 416.273.8232 Fax: 416.214.1999 inviskana@gmail.com, www.invis.ca
90 Kennedy Rd. S., Unit C, Brampton 701 Evans Ave., Suite 600, Toronto, On M9C 1A3 GTA

jha;tPL • brk;gH 2007 Unique Financial Business Solutions Inc.
all Your Financial Needs
Harry
Kannan
Lingan 416.856.4276
416.854.6183
416.830.2700
COMMERCIAL MORTGAGE
tarts from 5.5% • Bussiness Loans
• New Plazas
oÈVƒÁTM•¶[ T‚|¬ÔVTM Ô¶–>sÿ√≈
Cottage Properties
• Self-Employed Financing
• No Money Down Mortgage Up to 90% LTV Non-Permanent Residents Rental Properties Financing
ANNAN
4-6183 514-787-9486
Head Office: GTA Square 256 & 257 - 5215 Finch Avenue East, Scarborough, ON. M1P 5H4 Branch: 16 – 2857 Lawrence Avenue East, Scarborough, ON. M1P 2S9





Page 25
jha;tPL • brk;gH 2007
Nrkpg;Gld; Nru;e;j gy rYif nfhLf;;Fk; fhg;GWjp Universal Life
MAs; fhg;GWjp (Whole life Insurance), jtizf; fhg;GWjp vd;gtw;iwg; nghWj; jtiuapy; xUtuJ khjhe;j fl;Lg; gzj;ij my;yJ tUl fl;Lg;gzj;ij epu;zapg;gJ mtutupd; taJ> Mzh> ngz;zh vd;w tpguk;> Gifj;jy; my;yJ Gifapiy cgNahfg;gLj;Jgtuh> ,y;- iyah vd;w tptuk;> mtutupd; Njfepiy gw;wpa tptuk; MfpadthFk;. taijg; nghWj;jtiu ngUk;ghYk; xUtuJ ta Jf; fzpg;G fhg;GWjpf;F kDr;nra;Ak; ehspypUe;J 6khjj;jpw;Fs; fpl;ba ta- ijj;jhd; kDr;nra;Ak; tajhff; fzpg; gpy; fUj;jpy; vLf;fg;gLk;. mg;gbapUe; Jk;> vLf;Fk; jpl;lk; ePz;lfhy jpl;lkhf ,Ug;gpd; fl;Lg;gzj;ijf; Fiwg;gjw;F tajpidg; gpd;Nghl;Lk; (Back dating the age) fzpg;gpy; fUj;jpy; nfhs;syhk;. ,e;j Kiwapid mNefkhd epWtdq; fs; 80 tajpw;Fl;gl;ltu;fl;F kl;LNk mDkjpg;ghu;fs;. ,e;j Kiwapy;> fdlh itg; nghWj;jtiu Ntiy, rPNjh\;z epiy(Weather) Mfpa ,uz;LNk epr;;ra khf> cWjpahff; $wpf;nfhs;s Kbah ky; jpBnud jLkhw;wk; fhl;Lk; fhuzp- fshfj; jpfo;tjdhy; ,ij ek;gpf;nfh-
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416.706.3530, 905.428.9299, 905.763.8912
Fax: 905.428.9307 Email: george14@sympatico.ca
\[M¬Ô°D! kVÔTM¬ ÔV©AÆ] (Car Insurance), y ÔV©AÆ] (Fire Insurance) ÿƒFk]_ÁÈ!
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- 25 -
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1. Death benefit Guarantee 2. Stock Market Guarantee 3. Creditor proof Guarantee 4. Probate bipass Guarantee 5. Bonus for long term clients mj;Jld; ,k;khjpupahd Nrkpg;Gfspy; gy;NtW jpl;lq;fspy; gzj;ij xJf;F tjdhy;> vj;jUzj;jpYk; vy;yh Nrkpg; Gj; jpl;lq;fSk; Fiwthd my;yJ gL √u§¶
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63.8912
,k;khjpupahd jpl;lq;fs; Foe;ijfs;> thypg taJilNahu;> jpUkzkhd ngw;Nwhu;> tNahjpgu;fs; vd gy;NtW gl;l tFg;gpdUf;Fk; vt;thW rpwg;ghfr; nraw;gLk; vd ,dp Muha;Nthk;.
Nkhrkhd tl;btPjj;jpidf; nfhLf;fkhl; lhJ vd;gJ cWjp. mj;Jld;> fhg;GWjp epWtdk;%yk; Muk;gpf;Fk; jpl;lk; vd;w gbahy;> vg;NghJk; cq;fSf;F kd MWjiyf; nfhLf;Fk; Nrkpg;Gj; jp;l;l khfNt ,Uf;Fk;. tUl Kbtpy; ,e;j
1. rpW Foe;ijfs; rpW Foe;ijfisg; nghWj;jtiu>
Nrkpg;gpd; tsu;r;rp tPjj;ij xU mwpf;if %yk; (Annual statement) epWtdk; cq;f Sf;F mwptpj;Jf;nfhz;Nl ,Uf;Fk;. mtu;fsJ fhg;GWjpf;fhd fhuzpahd
mj;Jld; vf;Fwpg;gpl;l tUlj;jpYk; Cost of Insurance,id tUlh tUlk; 20
nkhj;jk; 4 juk; Nrkpg;Gj; jpl;lq;fis my;yJ 25 tUlk; kl;Lk; mjpfupf;Fk;
epge;jidapd;wp khw;Wtjw;Fk; mDkjpg; fhuzpahf (YRT to age 25) my;yJ 20
ghu;fs;. xUrpy epWtdq;fisg; nghWj; ]_ÁÈ!
tUlj;jpw;F kl;Lk; xUNghJk; khwhky;
26k; gf;fk; ghu;f;f...





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jtiu Nrkpg;Gj; jpl;lq;fspd; tsu;r;rp njhlu;e;J $bf;nfhz;L NghFk;gbahd xOq;FfSk; nra;J jug;gLk;. ,e;j xOq;fpid Market Resetting vd miog; Nghk;. ,e;j Nrkpg;gpd; tsu;r;rpapdhy; fhg;GWjpj; njhifAk; tUlhtUlk; mjp fupj;Jf;nfhz;L Nghtjdhy; gps;is apd; gy;fiyf; fof gbg;gpw;Fj; Njitg; gLk; gzj;ij Vw;nfdNt Kd; ,jo;f spy; Fwp;g;gpl;l Leveraging concept vd;w mZFKiw%yk; tUkhdtupapd;wp> tq;fpapypUe;J gzj;ij fhg;GWjp xg;ge; jj;jpd; ngw;Nwhu; vLj;J> gps;isapd; gbg;gpw;Fg; gpuNahfg;gLj;jyhk;. gps;is apd; gbg;gpd; juhjuk; vjpu;ghu;j;jijtpl mjpfgl;rk; Nkyjpfkhfp> mjd; gpujp- gypg;ghf murhq;fj;jpd; nrytpy; Nkw; gbg;igj; njhlu;thuhapd;> (,e;j khjpup ahd mjpu;\;lrhypfs; vk; jkpopdj;jpy; cUthfpapUf;fpwhu;fs;) ,e;j Nkyjpf Nrkpg;G gps;isapd; vjpu;fhyj;jpy; ve;jj; Njitf;Fk; cjTk; fhuzpahf ,Uf;Fk; my;yJ gps;isapd; MAs; fhg;gWjp njhlu;e;J (ePq;fs; gzk; nrYj;jhk NyNa) tpiythrpf;Nfw;g mjpfupj;Jf; nfhz;Nl NghFk;.
2. thypg taJilNahu; ,tu;fisg; nghWj;jtiuAk; fhg;GWjpf; fhd fhuzpfis 10my;yJ 15 my;yJ 20 tUlj;jpw;F kl;Lk; my;yJ tho;ehs; G+uhf cj;juthjg;gLj;jp> Nkyjpfkhf fl;lf;$ba njhifiar; Nrkpg;Gj; jpl;lj; jpy; xJf;Ftjdhy; mtu;fs; ,isg;gh Wk; tajpy; (Retirement) Njitahd fzprkhd njhiifia tUkhdtup apd;wp ngw;Wf;nfhs;Sk; tha;g;G cz;L. my;yJ Fwpg;gpl;l taJ jhz;baJk; fl;Lg;gzj;ij epWj;jpdhYk; kDr;nra;j fhg;gWjp njhlu;e;J tpiythrpf;Nfw;g $bf;nfhz;L NghFk; xOq;fpidAk;
tPLtiu cwT tPjp tiu...
25k; gf;fj; njhlHr;rp...
Vw;gLj;jyhk;.
3. ,se; jk;gjpapdUf;F my;yJ gps;isfs; cs;s ,sk; FLk;gj;jhu;f;F: ,tu;fisg; nghWj;jtiu> fhg;GWjp xg;- ge;jj;jpd; KO mjpfhuj;ijAk;> cupik fisAk; jdpNa xUtNuh my;yJ fztd;> kidtp Mfpa ,UtUNkh rkgq;F Nfhup (Single or joint ownership) tpz;zg;gpf;f yhk;. gps;isfSf;fhd fhg;GWjpia mtutu; taJ 25 jhz;baTld; jdpj;jdp ahf gpuj;jpNafkhf fhg;GWjpj; jpl;lkhf me;j tajpw;Nfw;g khjhe;j fl;lzj; jpw;F kUj;JtuPjpapd;wp kDr;nra;ayhk;. ,e;j mZFKiw KOf; FLk;gKk; jkJ nryit kpfTk; Fiwj;J mjpfgl;rk; fhg;GWjpf;F kDr;nra;a Kad;why;; nfhLf;fg;gLk; jpl;lkhFk;. ,e;j khjpu- pahd jpl;lj;ij Mq;fpyj;jpy; Multi life Universal Life vd miof;fpNwhk;. ,jd; gpufhuk; mjpfgl;rk; 6 FLk;g cWg;gpd Uf;Fk; xNu xg;ge;jk; xt;nthUtupd; ngaiuAk; Fwpg;gpl;L> mtutu;f;fhd fhg;GWjpj; njhifAk; vOj;jpy; nfhLf; fg;gLk;. ,t;nthOq;if tpahghuj;jpy; ,Uf;Fk; gq;fhspfSk; gpd;gw;wyhk;. ,e;j Vw;ghL FLk;gkhf ,Ug;gpDk; tpahghu khf ,Ug;gpDk; ahuhtJ xU egu; gLNkhrkhd Njfepiyapy; ,Ug;ghuh apd;> fhg;GWjpj; jpl;lj;jpd; Nrkpg;G tsu;r;rp tPjj;jpd; gq;Fjhuuhf mtiu epakpj;J> jpBnud mtUf;F kuzk; Vw; gLk;NghJ me;j Nrkpg;G kl;Lk; mtuJ thupRjhuUf;Fr; nrd;wila xOq;Ffs; nra;ayhk;. NkYk;> ,e;j fhg;GWjp epW tdq;fspd; Nrkpg;Gj; jpl;lq;fisg; nghWj;jtiu fhg;GWjp nra;ag;gl;l (Insured) Nrkpg;Gj; jpl;lq;fs; epWtdq; fisg; nghWj;J 6 Nrkpg;Gj; jpl;lq; fspUe;J Vwj;jho 400 Nrkpg;Gj; jpl;lq;
fs; ,U fle;j 8m -j;j rPuhd orical retur af; $Wk idAkpd;w trjpfSk
4. Kjpat Kjpatu;f fhg;GWjpj Jf;nfhz fl;Lg; gz rhyTk; r taJ mj Fj; jf;f njhifAk gzj;ij rYifahd Benefit jt gps;isfN yhk;. (gF fshf 18t Ntz;Lk;.) vd;gJ t Fk; fhu fhg;GWjp ilAk; K fl;Lk; j epue;ju C taJ 60 m fisg; n fl;Lg;gzj xOq;ifA yhk;. ,j tic paymen payor vd il vy;yh vd;wgbah cq;fSf;F Fk; kd M jpl;lkhf nlhyu; c gzkhf ilr; nra rhu;ghf f

tiu...
jha;tPL • brk;gH 2007
Uf;F
; cs;s ;F:
;GWjp xg;- ;> cupik fztd;> q;F Nfhup ;zg;gpf;f g;GWjpia ; jdpj;jdp jpl;lkhf fl;lzj; ra;ayhk;. Kk; jkJ jpfgl;rk; ad;why;; ;j khjpu- Multi life k;. ,jd; cWg;gpd hUtupd; tu;f;fhd ; nfhLf; hghuj;jpy; hk;. ,e;j tpahghu U egu; ,Ug;ghuh Nrkpg;G mtiu uzk; Vw; ; mtuJ Oq;Ffs; ;GWjp epW q;fisg; a;ag;gl;l epWtdq; ; jpl;lq; j; jpl;lq;
fs; ,Ug;gjdhy;> ,e;j jpl;lq;fs; fle;j 8my;yJ 10tUlq;fshff; nfhL -j;j rPuhd tsu;r;rpiag; nghWj;J (Hist- orical returns) Nju;e;njLf;ff;$ba rhj;jp af; $Wk; tUlhtUlk; xUtpj epge;j idAkpd;wp jpl;lq;fis khw;wf;$ba trjpfSk; cz;L.
4. Kjpatu;fSf;F Kjpatu;fisg; nghWj;jtiu> ,e;j fhg;GWjpj;jpl;lk; tUlhtUlk; mjpfupj;- Jf;nfhz;L NghFk; jpl;lkhf khjhe;j fl;Lg; gzk; khwhj jpl;lkhf vLg;gJ rhyTk; rpwe;jJ. fhuzk;> ,tu;fsJ taJ mjpfupf;f> mjpfupf;f tpiythrpf; Fj; jf;fgb kDr;nra;j fhg;GWjpj; njhifAk; mjpfupf;Fk;. ,e;jf; fl;Lg; gzj;ij ,tu;fSk; fl;lyhk;. (murhq;f rYifahd Welfare my;yJ Old Age Benefit jtpu) my;yJ ,tu;fs; rhu;ghf gps;isfNsh Ngug;gps;isfNsh fl;l yhk;. (gFjpNeu> KONeuNtiy ghu;g;gtu; fshf 18taJf;F Nkw;gl;ltuhf ,Uf;f Ntz;Lk;.) mj;Jld;> kuzk;> Cdk; vd;gJ tajpidg; nghWj;J epu;zapf; Fk; fhuzpay;y vd;w fhuzj;jhy;> fhg;GWjp nra;ag;gl;l Kjpatu; kuzk- ilAk; Kd;du;;> ,tUf;fhfg; gzk; fl;Lk; jkf;F jpBu; kuzk; my;yJ epue;ju Cdk; Vw;gLk; jWthapy; jkJ taJ 60 my;yJ 65 taJtiu (epWtdq; fisg; nghWj;J) ,e;j tNahjpgupd; fl;Lg;gzj;ij epWtdNk fl;Ltjw;fhd xOq;ifAk; Muk;gj;jpNyNa nra;a yhk;. ,jidNa Mq;fpyj;jpy; Automa- tic payment benefit on death or Disability of payor vd miof;fpNwhk;. ,e;j Vw;ghl;- il vy;yh epWtdq;fSk; nra;tjpy;iy vd;wgbahy;> jPu tprhupj;Jr; nra;tJ cq;fSf;Fk; cq;fisr; rhu;e;NjhUf; Fk; kd MWjy; jpl;lj;ijf; nfhLf;Fk; jpl;lkhf mikAk;. cjhuzkhf. 100 nlhyu; cq;fsJ Muk;g khjhe;j fl;Lg; gzkhf ,Ug;gpd;> Nkw;fz;l Vw;ghl; ilr; nra;Ak;NghJ> epWtdk; cq;fs; rhu;ghf fl;lNtz;ba khjhe;jf; fl;Lg;
gzk; 200 nlhyuhf tpz;zg;gpf;fyhk;. ,g;gbahd xOq;ifr;nra;tjdhy; jpBu; kuzk; my;yJ epue;ju Cdk; Vw;gLk; jWthapy; epWtdj;jhy; fl;lg;gLk; Nkyjp fj; njhifahd 100 nlhyu; (200 - 100) Nrkpg;Gj; jpl;lj;jpw;F xJf;fg;gl;L> Nrkpg;G tsu tsu me;j tsu;r;rp tPjj;jpw;F Vw;g kDr;nra;j fhg;GWjpj; njhifAk; tsu;r;rpailAk; vd;gJ cWjp.
mz;ikapy; kUj;JtuPjpapd;wp khjhe;j fl;Lg;gzk; khwhky; tUlhtUlk; mjp- fupf;Fk; fhg;GWjpj; jpl;lj;ij mwpKfg; gLj;jpAs;shu;fs;. ,e;j tsu;r;rp tUlh tUlk; 3 tPjj;jpdhy; mjpfupf;fg;gLk;. rhjhuz kuzk; Vw;gbd; me;j rkak; cs;s Gjpa fhg;GWjpj; njhif thupR fhuiu tUkhdtupapd;wpr; nrd;wilAk;. mfhy kuzkhapd; ,e;j Gjpa njhif Ald; Muk;gj;jpy; kDr;nra;j njhif Mfpa ,uz;Lk; tUkhdtupapd;wp thupR jhuiur; nrd;wilAk;. ,e;j mfhy kuzk; nghJkf;fs; gpuahzk; nra;Ak; thfdkhd (Public carrier) Mfha tpkhdk;> thlif tz;b> Gifapujk;> g];tz;b Mfpatw;wpd; %yk; Vw;gbd;> Muk;gj;jpy; kDr;nra;j njhifAld; ,ul;bg;ghd gzKk; Gjpa fhg;GWjpj; njhifAk; tUkhdtupapd;wp thupRjhu- iur; nrd;wilAk;. cjhuzkhf Muk;g tpz;zg;gj; njhif 30>000 nlhyu;fshf Tk;> %d;W tUl Kbtpy; Gjpa fhg;GW jpj; njhif $ 32>700 MfTk; ,Ug;gpd; ,r;re;ju;g;gj;jpy; thupRjhuUf;Ff; fpilf; Fk; njhif $ 92,000 (2x30,000+32,000) Mf ,Uf;Fk;.
,e;jj; jpl;lk; cldbahf mKYf;Ff; nfhz;Ltug;glTs;s jpl;lk; vd;gJ Fwpg;gplj;jf;fjhFk;.
xU rpwpa ,ilNtisf;Fg;gpd; tpiutpy; kPz;Lk; gj;jpupifthapyhf njhlu;G nfhs;Ntd;.





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jha;tPL • brk;gH 2007
gq;Fr; re;ij rupe;Jnfhz;NlapUf;fpd; wJ. gzj;jpd; kjpg;G $Ltjw;Fg; gjpyh ff; Fiwe;Jnfhz;ly;yth tUfpd;wJ vd;W gyu; ftiyg;gLfpd;wdu;. jpdrup thq;fptpw;Fk; re;ij tzpfu;fSf;F Nahridfs; $WtJ ,f;fl;Liuj; njhl upd; Nehf;fky;y. Mdhy;> mNj rkaj;- jpy;> njhiyNehf;fpy;> ePz;l fhyj;jpw;F vd> Fwpg;ghf Xa;Tfhyk;> gps;isfs; gbg;G vd Nrkpf;f tpisNthUf;F ga Ds;s KjyPLfs; gw;wpa nra;jpfisf; $WtNj ,f;fl;Liuj; njhlupd; Nehf;f khFk;.
gq;Fr; re;ij vd;gJ vg;NghJNk Vwpf; nfhz;bUf;fhJ. rpyrkak; VWk; rpyrk- ak; ,wq;Fk;. fle;j gj;J tUlq;fis vLj;Jf;nfhs;Nthk;. jw;rkak; mnkupf;f tPl;Lf; fld;fspdhy; nghUshjhuk; ghjpf;fg;gl;bUf;fpd;wJ. mjdhy; gq;Fr; re;ijapy; mbf;fb tPo;r;rp Vw;gLfpd;wJ. xUthuk; tpiy tpuy; msT Vwpdhy; kWthuk; ifasT tpiy fPNo ,wq;F- fpd;wJ. ftiy> gak;> gPjp> ,njy;yhk; fhuzq;fs;. Mdhy;> ,J epue;jukh- djh? ,y;iy> 2001 nrg;nuk;gupy; mnk- upf;fh gaq;futhjpfspd; jhf;FjYf;F MshdNghJ> tpiyfspy; ngUk; tPo;r;rp Vw;gl;lJ. rpy fhyj;jpw;Fg; gpwF re;ij VWKfkhdJ. jpUk;g 2002y; vd;uhd; (Enron)> Ntu;y;l; fhk; Nghd;w fk;gdpf- spd; mjpUg;jpahd epiyikahy; re;ij
VJ’S RENOVATION & CARPET CLEANING
• HARDWOOD FLOORING
• PLUMBING
• BASEMENT WORKS
• ELECTRICAL WIRING
• CARPET CLEANING (RESIDENTIAL/COMMERCIAL)
• TOTAL RENOVATION
CONTACT: VJ. KUMAR 647.588.2880
fhRNkNy fhRtUk; NeukpJ.
ngup Kj;Juhkd;
- epjpj;Jiw MNyhrfu; -
apy; kPz;Lk; tPo;r;rp Vw;gl;lJ. rpy fhyj;Jf;Fg; gpd;> re;ij gioa epiy ikf;Fj; jpUk;gpaJ. 2003,y;  kPz;Lk; tpiyr; rupT. ,g;gbr; nrhy;ypf;nfhz;Nl Nghfyhk;. rupj;jpuk; jpUk;Gfpd;wJ vd;ghu;fs;. mJ gq;Fr; re;ijiag; nghWj;jtiu kpfTk; cz;ik.
,t;thW vt;thW g yhgk; m Nkhrkil gaj;jpd; tpl;L nts el;lj;ij $baJ. , tiwAk; VWKfkha Nghl;L g rpyNuh ,e vd;W ghJ jukhf m
tpahghuj;i ,wf;fk; nfhs;sNt ahdhy; m epr;rak;; c vd;why; ‘mrypd;’ thrp Vw;wj cs;sJ. gy rka vLg;gJk; jpw;F vd nra;Ak;Ng yJ yhg mjpfkhfN
gyNgUf;F ,wf;fq;fi ,Uf;fyhk mj;jifN cjtpAld yPLnra;t juyhk;. V Wk; xU F KjyPLnr fs; ,j;ji
RUB
®o Ø

VJ’S
R 588.2880
fhRNkNy fhRtUk; NeukpJ.
- 27 -
J. rpy a epiy uhf; Aj;- ,g;gbr; rupj;jpuk; gq;Fr; kpfTk;
ahf;fg;gl;LtpLk;. ,ij Mq;fpyj;jpy; Dollar cost averaging vd;ghu;fs;. mjw;- Fk; Kd;djhf KjyPL nra;tjpy; ek; Kila Nehf;fk; my;yJ Fwpf;Nfhs; vd;d vd;gJ njspthf ,Uf;fNtz;Lk;. Diversification vd;W nrhy;yg;gLk; vy;yh tw;wpYk; nfhQ;rk; nfhQ;rk; KjyPL nra;Ak; Af;jpiaAk; filg;gpbf;f Ntz; Lk;. tq;fp itg;Gfspy; vt;tsT? gq;Fr; re;ijapy; vt;tsT? muR fld; gj;jp uq;fspy; vt;tsT? tq;fp Nrkpg;Gf; fzf;fpy; vt;tsT? vd;W xt;nthd;wp- Yk; jpl;lkpl;L KjyPLnra;aNtz;Lk;. xt;nthd;wpYk; vt;tsT vd;gJ mtu- tupd; jd;ik kw;Wk; #o;epiyf;F Vw;g khWgLk;.
nrd;w khjk; Fwpg;gpl;lijg; Nghd;W> khje;NjhWk; E}W nlhyu;fis xUtu; kpa+r;Rty; gz;l;by; Rkhu; Kg;gJ tU- lq;fSf;Fg; Nghl;L tUfpwhu; vd;why; ,tUf;F Kg;gJ tUl Kbtpy; vt;t- sT njhif cj;Njrkhff; fpilf;Fk; vd;W epidf;fpwPu;fs;? 30 tUlq;fspy; ,tu; fl;ba mry; njhif 36>000 nlhyu;fs;. ,tUf;F kpA+r;Rty; gz;by; Vwj;jho 1>56>704 nlhyu;fs; fpilf;Fk;. Mkhk; - Vwj;jho xd;wiu yl;rk; nlhyu; fSf;F Nky;! ,t;thW js;shLk; gq;Fr; re;ijapy; vt;thW gzj;ijg; NghLtJ? vt;thW yhgk; miltJ? epiyik ,t;thW NkhrkilAk; re;ju;g;gq;fspy;> gyu; gaj;jpd; fhuzkhf gq;Fr; re;ijia tpl;L ntspNaWfpd;wdu;. gak; jw;fhypf el;lj;ij epue;ju el;lkhf;fr; nra;af; $baJ. ,d;Dk; rpyNuh el;lj;jpy; vy;yh tiwAk; tpw;Wtpl;L> jpUk;g tpiyfs;
,q;F ehk; ,tUf;Ff; fpilf;Fk; tsu;r; rpia 7.5 rjtPjkhf vLj;Jf;nfhz; Nlhk;. eilKiwapy; ,ijtpl $lTk; fpilf;fyhk;. rw;Nw FiwaTk; fpilf; fyhk;. cWjpnra;ag;gl;l tq;fp itg;Gf spy; 4 rjtPjj;jpy; E}W nlhyiu 30 tUlj;Jf;Ff; Fiwahky; Nrkpj;J te;jhy; vd;d fpilf;Fk;? Rkhu; 85 Mapuk; nlhyu;fs; kl;LNk! VWKfkha; Nghl;L gq;Ffis ,Uf;ifapy; thq;Ftu;. $lg; ,d;Dk; gzk;
NkYk; ,jpy; ftdpf;f rpyNuh ,e;j gq;Fr; re;ijNa Ntz;lhk;
Ntz;bait: vd;W jukhf ghJfhg;ghd mZFfpd;wdu;.
KjyPLfis epue;-
re;ij siu ,q;F Vw;wNkh> ngupjhfg; ,wf;fNkh ghjpg;gjpy;iy. KjyPl;lh
tpahghuj;ijg; Nghd;W KjyPl;bYk; Vw;w ,wf;fk; ,ay;ghdJ vd;gijg; Gupe;J
NkYk; rpW Jspfs; ngU nts;skhfpd; wJ. ,y;iyah?
nfhs;sNtz;Lk;. mg;gbg; Gupatpy;iy ahdhy; mjpy; ,wq;ff;$lhJ. ‘wp];f;’ epr;rak;; cs;sJ. ‘wp];f;’ vLf;ftpy;iy vd;why; VWk; tpiythrpapy; cq;fs; ‘mrypd;’ cz;ikahd kjpg;G (tpiy-
tho;tpd; tsu;r;rpf;F> ey;y epjp MNyhrfu; xUtupd; el;Gk; NritAk; epr;rak; Njitahdtw;wpy; xd;W vd;W ehd; nrhy;yTk; Ntz;Lkh?
thrp Vw;wj;jhy;) (Inflation)Fiwa tha;g;G cs;sJ. mijj; jLg;gjw;fhff;$l rpy gy rkaq;fspy; jpl;lkpl;l ‘wp];f;’ vLg;gJk; mtrpakhfpd;wJ. ePz;l fhyj; jpw;F vd gq;Fr; re;ijapy; KjyPL nra;Ak;NghJ fpilf;Fk; tUtha; my;- yJ yhgk; tq;fp itg;Gf;fis tpl mjpfkhfNt ,Ue;Jte;Js;sJ.
gyNgUf;F gq;Fr; re;ijapd; Vw;w ,wf;fq;fisf; ftdpf;f Neukpy;yhky; ,Uf;fyhk;. GupahkYk; ,Uf;fyhk;. mj;jifNahu; jFe;j epjp MNyhrfupd; cjtpAld; kpA+r;Rty; gz;Lfspy; Kj- yPLnra;tJ njhiyNehf;fpy; gad; juyhk;. Vw;wNkh ,wf;fNkh khje;Njh- Wk; xU Fwpg;gpl;l njhifia ,t;thW KjyPLnra;ayhk;. tpiy Vw;w ,wf;fq; fs; ,j;jifa mZFKiwahy; ruhrup
RUBAN PEST CONTROL
KANTHAN 416•291•3997
®o ØflE› ÿ>V_ÁÈBV...?
ÿ√ˆ. x›m ́V\[ W]›mÁ≈ epjpj;Jiw goÈVƒÁTMÔ”¶[
MNyhrfu;
ÌΩB oƒÁk
Perrii Muthuraman
MBA, M.Comm, PFP Senior Financial Personal Advisor
Banking Officer
Direct Line: 416.439-3040 x:2008 2010
T|Ô^ ÿ>V¶Ï\VΩ T|Ô^ ÿ>VauƒVÁÈÔ^ sBV√V ́ WÁÈB∫Ô^ g ̨B ∂ÁTM›m ÷¶∫ÔπKD ®o, ØflE› ÿ>V_ÁÈÔÁ· ∂≈ok ¿¬Ô ∂Áw•∫Ô^!





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jha;tPL • brk;gH 2007





Page 29
jha;tPL • brk;gH 2007
fLikahd kyf;Fly; Neh tprpj;jpukhd khw;Wr; rpfpr;i
Clostridium Difficile(C.Difficile) vd;Dk; gf;uPwpahtpdhy; Vw;gLk; fl;Lg;gLj;j Kbahj tapw;Nul;l Neha;f;F xU Gjpa tprpj;jpukhd rpfpr;ir!
;Flypy; Vw;gLk; xU tifahd gf;uPwpah (C.Difficile)f;fspdhy; Vw;gLj;Jk; kpfTk; fLikahd Neha; ,JthFk;.
rpW fha;r;ry;> tapw;Nwhl;lk;> tapw;Wtyp vd;w epiyapy; njhlq;fp> ,J fLik- ahd epiyf;F - mjhtJ fl;Lg;gLj;j Kbahj msTf;F tapw;Nwhl;lj;jpid cUthf;Fk;. xU ehSf;F Fiwe;jJ gj;Jj; jlitf;F Nky; kyk; fopf;f Ntz;ba nfhLikia vjpu;nfhs;s Ntz;btUk;.
vd fy;f mNdfkhf itj;jparhiyfs;> kUj;Jt
kUj;Jt r tpLjpfs; Nghd;w ,lq;fspy; ,Ue;J
jJ. ,f; fpUkp njhw;wpf;nfhs;Stjhf itj;- jpaepGzu;fs; njuptpf;fpd;wdu;.
rhjhuzk ik tpis mnkupf;fhtpy; xt;nthU tUlKk; Rkhu;
fzf;fpy; 20>000 Ngu; ,e;Neha;f;F cs;shfpd;wdu;
cjtp tf vd;Wk;> 2003 ,y; fpA+ngf; khfhzj;jpy;
vd;w jPi ,e;Nehapdhy; Rkhu; 2>000 Ngu; kuzj;jp-
Nkw;gb e idj; jOtpapUe;jhu;fs; vd;Wk; Gs;sp
it Fly tpguq;fs; njuptpf;fpd;wd.
tpLfpd;wJ myu;r;rp ,e;Neha;f;F kUe;jhf Muk;g fhyq;f-
tapw;Nwl;l spy; md;upgNahw;wpf; (Anti/Biotic) kUe;- jpid lhf;lu;fs; toq;Ffpdhu;fs;.
Mdhy;> F Mdhy; ,J tapw;Nwhl;lj;jpid NkYk;
f;F xU NkYk; mjpfupf;fr; nra;jJ. ,k;kUe;J
%yk; Rk rpy Nehahspfis xU ehSf;F ehw;gJ
Fzkila jlit kyryf; $lj;jpid Nehf;fp Xl
sJ. Ntz;ba epiyikf;F cUthf;fpaJ

- ikahd kyf;Fly; Neha;!
29 -
pj;jpukhd khw;Wr; rpfpr;ir!!
kUj;Jt ; ,Ue;J hf itj;-
k; Rkhu; hfpd;wdu; hzj;jpy; kuzj;jp- k; Gs;sp
fhyq;f- ic) kUe;- pdhu;fs;. NkYk; k;kUe;J ehw;gJ hf;fp Xl thf;fpaJ
vd fy;fup efupy; ,Ue;J ntsptUk; kUj;Jt rQ;rpif xd;W njuptpj;jpUe; jJ.
rhjhuzkhd kdpju;fspd; Flypy; ed;- ik tpistpw;Fk; gw;wPupahf;fs; Nfhbf;- fzf;fpy; ,Ue;J rkpghl;bw;F ngUk; cjtp tfpf;fpd;wd. Mdhy; C.Difficile vd;w jPik tpistpf;Fk; gw;uPwpah Nkw;gb ed;ik tpistpf;Fk; gw;uPwpah it Flypy; ,Ue;J mwNt mfw;wp tpLfpd;wJ. ,jdhy; Vw;gLk; Fly; myu;r;rp %yk; fl;Lg;gLj;j Kbahj tapw;Nwl;l epiy Muk;gkhfpwJ.
Mdhy;> Fzg;gLj;j Kbahj ,e;Neha;- f;F xU Gjpa tprpj;jpu rpfpr;ir Kiw %yk; Rkhu; 1>000 Nehahspfs; G+uz Fzkilar; nra;jjhfj; njupate;Js;- sJ.
wQ;rd;; gpuhd;rp];
- tPL tpw;gidg; gpujpepjp -
mJ vg;gbj; njupAkh? MNuhf;fpakhd xUtupd; kyj;jpid vLj;J> mJ MNuhf;fpakhdJ vd;gjid kUj;Jt Ez;gupNrhjidf; $lj;jpy; gupNrhjidnra;J> mjid rw;W jput epiyf;F khw;wp Nehahspapd; Fj thapy; topahf Flypd; cs;Ns nrYj;Jtjd; %yk; ,d; Nehahspapd; Flypy; ed;ik nra;Ak; gw;uPw;ahf;fis kPz;Lk; gutr; nra;fpd;wdu;. %yk; ,d; Nehiaf; fl;Lg;ghl;bw;Fs; nfhd;Ltu Kbfpd;wJ.
,f;nfhba NehapypUe;J ghJfhf;Fk; rpfpr;ir ,g;NghJ kUj;Jt cyfpy; ngupa ntw;wpahff; fzpf;fg; gLfpd;wJ! ,jid Kjypy; ];fhz;bNetpad; ehL- fspy; (Nehu;Nt> Rtpld;> gpd;yhe;J) gup- Nrhjid nra;J ntw;wpfz;L> jw;NghJ fdlhtpYk;> mnkupf;fhtpYk; ,r;rpfpr;- irapy; ntw;wpfhZk; epiyf;F te;Js;- sdu;.
fdlhtpy; fy;Nfup efu itj;jparhiy apy; gzpGupAk; itj;jpaepGzu; lhf;lu; nuhk; Y}ap (Dr. Tom Louie) Vuhskhd NehahspfSf;F ,r;rpfpr;irapidr; nra;J> Kw;whff; FzkilAk; epiyf;- Ff; nfhz;Lte;J ntw;wpfz;Ls;shu;. vdpDk;> Nehahspapd; FLk;gj;jpy; MNuhf;fpakhd epiyapy; ,Uf;Fk; xU- tu; jkJ kyj;jpidr; Nrfupj;J ed; nfhil nra;Ak; epiyikf;F jahuhf ,Uj;jy; Ntz;Lk;.
,e;Nehapdhy; fle;j gjpdhd;F khjq;- fshfg; ghjpf;fg;gl;L> ,r;rprpr;irapy; ntw;wpfz;l nuhud;Nuhitr; Nru;e;j ngz;kzp xUtUf;F> kyk; jhdkhf cjtpnra;j mtuJ rNfhjup ,r;rpfpr;- ir gw;wp kUj;Jt rQ;rpiff;F toq;- fpa Ngl;bapy; gpd;tUkhW $wpAs;shu;:
~~jhq;fKbahj ,e;Nehahy; ghjpf;fg;- gl;l vdJ rNfhjupf;F kyk; nfhLj;J cjt ehd; Kd;te;Njd;. I];fpwPk; ngl;bapy; vdJ kyj;jpid vLj;J> Ie;J ehl;fshf Fspu; rhjdg; ngl;b- apy; Nrfupj;J itj;J> ,tw;wpid vLj;Jf;nfhz;L> nuhud;Nuhtpy; ,Ue;J fy;Nfup itj;jparhiyf;F tpkhdj;jpy; gazk;nra;Njd;. ,jid vLj;Jf;nfhz;L tpkhdj;jpy; nghjpfSld; nghjpahff; nfhz;L nry;tJ rpukkhf ,Ue;jJ. fy;Nfup itj;jparhiyapy; ,e;Nehahy; ghjpf;fg;gl;bUe;j vdJ rNfhjupf;F kyf; Fjk; topahf vdJ kyj;jpid cl;GFj;jpdu;. rpfpr;irapy; ntw;wpAk; fz;ldu;.||
Mdhy; ,J nfhQ;rk; rpukkhd rpfpr;- irahf ,Ue;jhYk; kpfTk; gaDs;sjhf ,Ue;jjhff; Fwpg;gpl;lhu;. fdlhtpy; rpy itj;jparhiyfspy; rpy kUj;Jtu;fs; kl;Lk; Nehahsp> kyk; ed;nfhil toq;Fgtu; MfpNahu; xj;jhir toq;fpdhy; rpwg;ghfr; nra;JKbf;fpwhu;fs;. kuzj;ij cUthf;Fk; ,f;nfhba NehapypUe;J kdpjFyk; tpLjiyngWtjw;F itj;jpau;fs; my;Yk; gfYk; gy Nfhzq;fspYk; ,Ue;J rpe;jpf;fpwhu;fs; vd;gjw;F ,k; Kaw;rp Xu; vLj;Jf;fhl;lhFk;.





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tPL thq;f> kw;Wk;  cq;fSld; ehd; gfpu;e;Jnfhs;s epidj;jtw;wpy; rpytw;iwAk; Nfs;tp gjpy; tbtj;jpy; jUfpd;Nwd;.
xU thbf;ifahsUf;F  ve;jtifahd cw;gj;jpfis thbf;ifahsh; ngWfpd;wdh; vd;gij tpsq;fpf; nfhs;tjw;F thbf;ifahs Uf;F rpwe;j mwpitf;nfhLj;J mth; fSld; ehk; Ntiy nra;AKfkhf Tk; vk;Kld; (jufh;fSld;) Ntiy nra;AKfkhfTk; vk;ik njhopy; hPjpapy; topfhl;Lfpd;wdh;. vdNt thbf;ifahsh; xUtUf;F ,t;thW topfhl;lg;gl;l  ,iza fhl;rp ,

jha;tPL thq;Fk;NghJ ftdpf;f Ntz;ba
• brk;gH 2007
Nkyjpf nryTfs;
q;FNthh;
•
tUkhdj;jpw;F thbf;ifahsh; jFjp
•
nfhs;tdT tpiyapd; 20%. Uf;fpwhh;
ngwyhk;.
cWjpahd tPjkh (Fixed Rate)
•
my;yJ jpwe;j khWgLk; tPjkh (Consum
(Open Variable Rate) xU thbf; f;F  cq;fs; tPl;il thq;FtJld; ,ize;j rl;l> eph;thf fl;lzq;fSld; nfhLf;f Ntz;ba gzk; midj;Jk; G+h;j;jpahf;Fk; nryTfSs; mlq;Fk;. ,it tPl;bd; tpw;Fk; tpiyapy; 1.5% - 4% tiuapyhdjhf ruhrhpahff; fhzg;gLk;. xt;nthd;iwAk; tpsq;fpf;nfhs;sy;> kpfTk; jpUj;jkhf cq;fs; tuTnryitj; jpl;lkplTk;> kpfTk; nrsfhpakhd tPL thq;Fk; mDgtj;jpw;Fk; cq;fis ,l;Lr; nry;Yk;.
khjphp fl;lz msTfs;
fl;lzj;jpd; Nehf;fk;
epy gjpTf; fl;lzk;. (rpy rkak; epy ghpkhw;w thp (Land Transfer Tax)> cWjp gjpT thp(Deed Registration fee)> nrhj;J thq;Fk; thp (Property Purchase Tax or Tarrif) vd rpy rkak; miof;fg;gLk;).
mNefkhd khfhzq;fspy; ePq;fs; tPl;il thq;Fk; NghJ xU jlit thpia tpjpg;gh;. nrhj;jpd; nfhs;tdT tpiyapd; tPjj;jpid ,e;j thp mbg;gilahff; nfhz;bUg;gJld;> khfhzj;jpw;F khfhzk; NtWgLk;. jw;Nghija tPjj;ij fz;lwp- tjw;F cq;fs; rl;lj;juzp my;yJ nehj;jhhpRld; fijAq;fs;.
rl;l/nehj;jhhpR fl;;lzq;fs;
nfhs;tdT tpiyapd; 0%,ypUe;J 4%tiuahff; fhzg;gLk;.
cq;fs; eyd;fisg; ghJfhf;f nrhj;jpid  cq;fs; Gjpa tPl;il rl;lhPjpahf clikahff; nfhs;Sk; Neuj;jpy; nrhj;Jlik fhg;GWjp mKypy; ,Uf;f Ntz;Lk; vd;W Nfl;ghh;. rpy fhg;GWjpf; fk;gdpfs; tPl;Lg;ghpNrhjidf;fhd ep&gzj;ijf; Nfl;fyhk; my;yJ rpy tifahd thoplq;fl;F fhg;GWjp nra;ahky; tplyhk;. ePq;fs; cq;fs; fhg;GWjp epWtdj;ij fhyjhkjkpy;yhky; gl;baypy; Nrh;j;Jf; nfhs;tij cWjpg;gLj;Jq;fs;.
tPl;Lg; ghpNrhjid(xU Gjpa tPl;il ePq;fs; thq;FtPh;fshapd; ,J Njitapy;iy)
tPl;bdJk; mjd; cs;slf;fq; fspd; ngWkhdj;jp w;Nfw;g NtWgLk;
kPs; tpw;gid tPl;il thq;fk;NghJ> xU jFjptha;e;j tPl;L ghpNrhjfhplkpUe;J Rfhjhuk; gw;wpa fsq;fkw;w xU cWjpj;Jz;bid (Bill) ngw;Wf; nfhs;Sk;NghJ ,J xU MWjyhd tplakhFk;. tPl;Lg;ghpNrhjfh;fs;> cq;fs; tPl;bd; mikg;G> cl;gFjpapy; ,aq;Fk; njhFjpfspd; jd;ik vd;gtw;iw kjpg;gpl;L Xh; vOj;J%ykhd mwpf;if jUthh;. xU tPl;Lg; ghpNrhjid fl;lhakhdJ my;y Mdhy; xU tPl;il thq;Fk; NghJ ,J kdjpw;F MWjiyf; nfhLf;ff; $baJ.
,lk;khwpr; nry;Yk; nryTfs;
$200-$500
ePq;fNs nra;af;$ba Ntiyapd; mstpYk; khwpr;nry;Yk; J}uj;jpd; mstpYk; nryTfs; jq;fpapUf;Fk;. khjf;filrpapYk; Nfhilfhyj;jpd;NghJk; tpiy mjpfkhf ,Uf;Fk;
mj;jpahtrpa Nrit fis nghUj;Jjy; (c-k;:ePh;> njhiyNgrp> ,izak;> njhiyf; fhl;rp ,izg;Gf;fs;)
xU kzpj; jpahyj;jpw;F khWglf; $baJ
Muk;g ,izg;Gfs;> mj;jpahtrpa Nritfis toq;Fduhy; eph;zapf;fg;gLk;. $100-$500
Nritfis toq;FgtUld; ,jw;fhd tphpthd jfty;fisg; ngwj; njhlh;G nfhs;Sq;fs;.





Page 31
jha;tPL • brk;gH 2007
sÚD∏oBV ∂_ÈV_ s]kƒo\V.... AÈDÿ√B ̇Õ
xΩÕ>kÁ ́ o\_ÂV‚¶k ̇ o√V_ kVw°D √w ̨¬ÿÔVıo¶V ®Dt¶D ®fiE Wu ̨[≈TM. ∂]_ Œ[Æ>V[ ¿ı¶ÔV ÿƒFBV]Ú›>_ ®[√m. ÿÂÚ∫ ̨B c≈°ÔπoÈV ∂_Èm ∞u√‚¶∏[ kÚD QVoTMV>BD BVÚ¬zD c>kVm. gÁÔBV ∞>Vkm Â_È WÆkTM›]_ Ô‚¶VBD g•‚ ÔV©AÆ] ÿƒFm Ák ∂Õ> xÔk ̇ ÂVTMVÔ ÷ÚÕ>V_ ®TM¬zD
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Guna Selliah Life Insurance Broker 416.371.7776

oBV ∂_ÈV_ s]kƒo\V.... AÈDÿ√B ̇Õo>VD
kVw°D √w ̨¬ÿÔVıo¶VD. ÷ÚÕmD EÈ ∏[TMÁ¶°Ô^ _ Œ[Æ>V[ ¿ı¶ÔVÈ √VmÔV©√VTM g•‚ÔV©AÆ] B c≈°ÔπoÈV ∂_Èm Â\m z|D√›]oÈV ŒÚ ÷w©A Ú¬zD c>kVm. gÁÔBV_ BV ́Vkm ŒÚ xÔkÁ ́ ∂b ̨ g•‚ ÔV©AÆ] ÿƒFm Ák•∫Ô^. ¿∫Ô^ ÿ>ˆ° ÿƒF•D TMVÔ ÷ÚÕ>V_ ®TM¬zD \ ̨μflE>V[.
ritical Illness Insurance • Creditor Insurance
• Disability Insurance • RESP • RRSP
Guna Selliah surance Broker 16.371.7776
759 Warden Ave., Toronto, Ontario, M1L 4B5 Tel:416.759.5453 ext:401 Fax: 416.759.6220 E-mail: guna@lilandinsurance.com
- 31 -





Page 32
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jha;tPL • brk;gH 2007





Page 33
jha;tPL • brk;gH 2007
xf;Nuhgh; Gjpa rhjid gilf;fpwJ
(nuhwd;Nuh etk;gh; 5>
S.K.ghNy];
- tPL tpw;gid KftH -
xf;Nuhghpy; 7>915 jdpf;FLk;g tPLfs; tpw;gidahdjhf TREB mq;fj;jth;fs; gjpT nra;Js;sdh;. ,J xf;Nuhgh; khjj; Jf;fhd xU rhjidahFk; vd;W TREB jiyth; nkhwPd; X ePy; ,d;W mwptpj; jhh;. ,J 2006 xf;Nuhghpy; gjpthd 6>876 tpw;gidj; njhifiatpl 15tPjk; mjpf khfTk; 2003k; Mz;L xf;Nuhghpy; tpw;g idahd 7227 vd;w vz;zpf;ifiatpl Vwf;Fiwa 10tPjk; mjpfKkhFk;. ,J Nt vkJ Ke;jpa rhjidahFk;.
‘nuhwd;Nuh ngUk;ghfj;jpy; tPLfs; kW tpw;gid eltbf;iff;F kpfr; rpwe;j Mz;lhf 2007 ,Uf;fr; rfy mwpFwp fSk; njd;gLfpd;wd” vd;W jpUkjp X ePy; $wpAs;shh;. ‘nuhwd;Nuh khefu epykhw;Wthpg; Gjpajpl;lj;jpd; jhq;fq; fs; 2008y; epr;rakhf czuKbAk;. tPL thq;fp tpw;wiy xU ePz;lfhy KjyP lhf kf;fs; njhlh;e;Jk; ghh;g;ghh;fs; vd ehq;fs; ek;GfpNwhk;’ vd;Wk; mth; $wpdhh;.
nrg;uk;ghpd; nlhyh; 380>132 tpiyia tpl xf;Nuhghpd; ruhrhp tpiyahd nlhyh; 394>646 ehd;F tPjk; cah;e;Js;sJ. ,J 2006 xf;Nuhghpd; gjpthd nlhyh; 356>423 njhifiatpl 11tPjk; mjpfkhFk;.
2964 nkhj;jtpw;gid tpguk;:
pf
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may; tl;lhur; rJf;fk; (V[pd; Nfhh;l;)
V[pd; Nfhh;l;Lf;Fs; (E05, E04 gFjpfs;) ngUk;ghyhd kWtpw;gid tPLfspd; khjphpj; jdp my;yJ gFjpj;jdp tPLfsh Fk;.
,t;tUlk; ,Jtiu jdptPL tpw;gidtp iy ruhrhp nlhyh; 376>337 Itpl xU tPjk; mjpfkhFk;. NkYk; 2006k; Mz;L Kjy; gj;J khjj;jpy; gjpthd nlhyh; 295>800 tpiyiatpl MWtPjk; mjpf khFk;.
;
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t
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pw
Nkw;F khtl;lq;fs;
$367, 139 2,964
14
kj;jpa khtl;lq;fs;
$522, 800 1,602
23
tl khtl;lq;fs;
$415, 071 1,555
21
fpof;F khtl;lq;fs;
$307, 950 1,794
th;j;jf 2007)
xf;Nuhghpy tplg;gl;lJ
‘nuhwd;Nu mbf;F e tplg;gl;lj tpj;Js;sd NgWf;F x fl; INC g fl;blk; F Nwh;]; Ng apy; gl;ba
trpf;Fk; tPl;bd; k
1. Detache
2. Semi
Detache
3. Condo
Town ho
4. Condo A
5. Link
6. Alt. Row Townho
7. Co-Op A
8. Det. Con

- 33 - ;Nuhgh; Gjpa rhjid gilf;fpwJ.
;Nuh etk;gh; 5> 2007)
tpguk;:
f;fk;
gFjpfs;) tPLfspd; p tPLfsh
pw;gidtp tpl xU k; Mz;L nlhyh; k; mjpf
trpf;Fk;
tpw;gid % kPbad; tPl;bd; khjpup
fis fz;Lnfhz;lNj’ ,NjNghy NkYk; nghpa nrhj;Jf;fs; MLS Kiw apy; Njhd;Wtij ePq;fs; fhz;gPh;fs;.”
t
pw
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1. Detached 2. Semi
3,731 98 $407,000
vd;W $wpdhh; th;j;jf rigj; jiyth; fhhp yhd;;lh;. 973 100 $332,000 Detached
xf;Nuhghpy; tpiyfs; Nky; Nehf;fp
2,964
3. Condo
Town house
677 98 $251,000
NghfKad;wJ> mjw;F njhopy; ,lk; (rfy msTg; gphpTfSk;) nrg;lk;ghpy; rw;W cah;e;J xU sfn nlhyh; 5.83 Mf
1,602
4. Condo Apt. 1,808 99 $237,000
,Ue;jNj fhuzk;. Mdhy; th;j;jf ,lk; Ke;jpa khjk; ,Ue;j nlhyh; 5. Link 143 98 $307,000
12.52I tpl 12tPjk; cah;e;J nlhyh;
1,555
6. Alt. Row
Townhouse
535 99 $312,500
14.04sfn Mf ,Ue;jJ.
tpw;gidr; re;ijapd; 7. Co-Op Apt. 1,794
8. Det. Condo 38 97 $170,500
Kf;fpak;
10 96 $237,750
nuhwd;Nuh MLS Kiw 60f;F Nkw;gl;l njhopy; th;j;jf nrhj;Jf;fisf; fz; th;j;jf epytuk; (xf;Nuhgh;
lJ. ,tw;Ws; 34 th;j;jf ,lq;fs; 2007)
(rfy msTg; gphpTfSk;) ,it ruhrhp nlhyh; 105.73 xU rJu mbahf ,Ue; xf;Nuhghpy; 800>000f;F Nky; - Fj;jiff;F
jJ. tplg;gl;lJ.
MLS Kiwapy; ,y;yhj ,lq;fs; nlhyh; 77.95 xU rJu mbahf ,Ue;jJ. ‘nuhwd;Nuh MLS Kiwapy; 821>889 rJu mbf;F epyk; xf;Nuhgh; Fj;jiff;F tplg;gl;ljhf TREB mq;fj;jth;fs; mwp tpj;Js;sdh;.’ ,e;j MNuhf;fpakhd ngW NgWf;F xU Kf;fpa fhuzk; epA+khh;f; fl; INC gpuNjrj;jpy; 105>110 rJu mbf; fl;blk; Fj;jifahFk;.’ ‘ICPI wpay; Nwh;]; Nghd;w epWtdq;fs; MLS Kiw apy; gl;baypLtjd; rhjfkhd tplaq;
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416-400-6406





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thq;fpa tPl;ilj; jpUj;jpaikf;Fk; Ngh Njh my;yJ ngupjhf mikg;gjhf ,Ue;jhNyh> mijf; fl;Lk;NghNjh my;yJ fl;bagpd;Ngh me;j tPl;ilg; ghJfhg;G tpjpfisf; ftdpj;Jf; fl;L tjhy; njhlu;e;Jk; ehk; xU ghJfhg; ghd xU tPl;by; trpg;gjw;F cjtpahf ,Uf;Fk;. Fire safety:
tPl;bd; fjTfNsh my;yJ FNshnrw; -wpd; fjTfNsh ,yFthf cs;spUe;Njh my;yJ ntspapypUe;Njh jpwe;J G+l;L tjhf ,Uj;jy; mtrpakhFk;. tPl;by; cs;s jpiufs;> ve;j xU tpsf;fpd; mUfpYk; ,Uj;jyhfhJ. rpy Jzpfs; ,yFthf jPg;gw;wpf;nfhs;Sk;. mj;NjhL tPl;by; cs;s fjTfspy; ,ilntsp fPo;g; gFjpapy; vd;whYk; ,Ue;jhy; VjhtJ Gif te;jhYk; ehk; mijj; njupe;Jnfhz;L ghJfhg;Gf;fhd Vw;ghl; ilr; nra;tjw;F cjtpahf ,Uf;Fk;.
mj;NjhL Heating safety; Electrical safety mj;Jld; NkYk; ghJfhg;Gj; Njit fisr; rupahf mwpe;J mtw;iwr; nra; tjw;Fj; jFjpahdtu;fis ehLjy; Kf;fp akhdJ.
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•
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416.893.8363, 41
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Alen
905

KjyhtJ tPl;by; d;ik ngWk; ed;ikfs;
416.893.8363,
Tel:
o≈V‚¶›Á> ∑›>\V¬ ̨ ∑›>\VTM ÔVuÁ≈ ∑kVE¬Ô kakz¬ ̨[o≈VD. ∂–√kD t¬Ôk ̇ÔπTMV_ > ́\VÔ°D
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sure cleaning • Remove mold yest and bacteria • We use state of art technique • Individually cleaning all vents
jha;tPL • brk;gH 2007
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Nshnrw; ;spUe;Njh ;J G+l;L ;. tPl;by; tpsf;fpd; Jzpfs; mj;NjhL ilntsp ,Ue;jhy; ; mijj; Vw;ghl; Uf;Fk;.
ical safety ; Njit wr; nra; jy; Kf;fp
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tPl;;bd; miog;G kzp> iyw; vd;git Ntiynra;Ak; epiyapy; ,Uf;f Ntz;Lk;.
MfNt> ehk; tPl;L cupikahsuhf ,Ug;gNjhL> gytifahd ghJfhg;G fisAk; ftdpj;J> mj;Jld; me;j tPl; ilr; rupahfg; guhkupg;gjhy; ehk; vkJ
NkNy $wpa rpy jfty;fs; cq;fsJ tPl;bd; ngWkjpia mjpfupg;gjw;F cjtp
KjyPl;ilg; ghJfhg;gNjhL> mjdJ ngW kjpiaAk; ghJfhj;Jf; nfhs;syhk;.
ahf ,Uf;Fk;.
T| kV∫Ô suÔ
Alen Sivasambu
Sales Representative
Please Call Alen : 905-822-5000
Fax: 905-822-5617
alen@sutton.com
416.286.2416,
www.megaduct.com





Page 35
jha;tPL • brk;gH 2007
c∫Ô^ T‚|¬ÔVTM ~‚|¬Ô¶[ o>Á
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jha;tPL • brk;gH 2007





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jha;tPL • brk;gH 2007
THINKING OF BUYING OR SELLING PROP
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jha;tPL • brk;gH 2007





Page 39
jha;tPL • brk;gH 2007
v];.ngh. vd;W gutyhfj; njupag;gl; bUf;Fk; jpU.v];.nghd;Dj;Jiuapd; gts tpoh Mz;L ,J. gts tpoh kyu; ntspaplg;ngw;wpUf;fpwJ. jkpo; ehl;by; fle;j khjkstpy; tpohntLj;Jf; nfhz;lhlg;gl;LkpUf;fpwJ. ey;yJ. fyhepjp fh. rptj;jk;gpapd; gts tpohf; nfhz;lhl;lq;fspidj; njhlu;e;J ,J te;jik re;ju;g;gtrkhdJjhd;. vdpDk;> ,e;jr; re;ju;g;gk; xU xOq;fpy; mike;- jpUe;jJ vd;gJjhd; ,q;Nf tpNr\k;.
,J Fwpj;J Xu; myriyr; nra;aNtz;- baJ Kf;fpak;> MdhYk;> v];.ngh.tpd; ,yf;fpaj; jifikfis tiuaiw nra;tjw;fhd xU gpd;Gyj;ij mikg;- gNj ,t; ciuf;fl;bd; Nehf;fkhf ,Uf;Fk;. mjhtJ> ,J jd;dDgtk; rhu;e;J ntspaplg;ngWtJ.
Mk;> rpwpJfhynkdpDk; v];.nghd;Dj;- JiuNahL vdf;F mj;ae;jkhd el;G ,Ue;jJ. mjd; gifg;Gyj;jpNyNa vd; vOj;jpidj; njhlu;Ntd;.
ehd; ‘,yf;F’ rpw;wpjio jkpo;ehl;by; ,Ue;jNghJ Muk;gpf;fpwJf;fpUe;j rpy ehl;fspd; Kd;djhfj;jhd; 1997 ,y; mT];jpNuypahtpypUe;J v];.ngh. jkpofk; te;jhu;. me;j ,jopd; Neu;fh- zy; mtupdjhfNt ,Ue;jJ. md;wp-
The Left and the Ethnic Conflict in Sri Lanka: Did the Left Movements Fail the Tamils?
Book Launch and Public Presentation Saturday, December 8th 3.30 P.M. – 5.30 P.M.
Scarborough Civic Centre
Chair: Mr. K. Kanthasamy Speakers: N. Sivahurunathan, Prof. Aparna Sundar, Prof. Chelva Kanaganayakam, Mark and Prof. Ravi Vaitheespara.
Ravi Vaitheespara, Theorizing the National Crisis: Sanmugathasan, the Left and the Ethnic Conflict in Sri Lanka, Colombo: SSA, 2007.
The book, which also includes a long introduction by the veteran Left academic Prof. N. Shanmugaratnam, explores the largely obscured history of the Left’s engagement with the ethnic conflict in Sri Lanka. It both raises and tries to answer the question: “Did the Left fail the Tamils?” Commentators and experts will address the contribution of this book and speak to the questions raised by the book.
Njtfhe;jd;
v];.ngh. vd;Nwhu; ,yf;fpa MSik
Scarborough Civic Centre
150 Borough Drive (North-west corner of McCowan Road and Ellesmere Road) Toronto, Ontario M1P 4N7
Phone (416) 224-0362 (416) 292-1295
ypUe;Jjhd; mtuJk; vd;dJk; gof;fk; njhlq;fpaJ.
mJtiu mtuJ gioa thrfdhf kl;LNk ,Ue;j ehd;> mtuJ el;G tyaj;Js; te;jJ vdf;F kpfTk; re;Njh\khf ,Ue;jJ. thrfdhf ,Ue;jtd; rf vOj;- jhsdhfg; gof Muk;gpj;jJ vdf;F kfpo;r;rp kl;Lkpy;iy> ngUikahfTk; ,Ue;jJ.
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mtuJ f mtuJ f jhd; ,d;D mtu; ,g;N ngupJgLj mtuJ f Ntz;baJ fs; f.if NwhUf;F njd;W n tUlq;fs itj;J thq;Ftj jhk; Nghl kWj;jpUe Mdhy; v];.ngh. milaNt
,e;j kd ,d;Wtiu kl;Lkpy;i tpl;lhu;.

- 39 -
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HomeLife/Future Realty Inc.
Brokerage
Independently Owned and Operated, REALTOR ® 262 Markham Road, Scarborugh Ontario, M1J 3C5 Tel: 416.264.0101 Fax: 416.261.1519





Page 42
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ROOMS / BASEMENT RENT
MARKHAM & ELLESMERE 1 Room for Rent 10 Tuxedo Court 1 Car Park Call: 416 430 0140 





Page 43

BRIMLEY & ELLESMERE 2 B/R Basement for Rent 1 Car Park, Sc.Centre, TTC No Smoke Call: 416 430 0035 / 416 917 8336 





Page 44

MORNINGSIDE & STAN’S ROAD 1B/Room Basement for Rent Near All Facilities Call: 416 292 3469 / 647 286 1970 





Page 45

MARKHAM & STEEL 2 B/Room Walkout Basement for Rent Near TTC, School (New) Call: 905 471 9631 / 416 707 0851 





Page 46

MARKHAM & LAWRENCE 1B/Room Basement for Rent Call: 416 439 4489 / 647 284 8494 





Page 47

MORNING SIDE & SHEPPARD 3 B/Room Basements for Rent Separate Entrance Near All Facilities Call: 416 283 1984 





Page 48

DAN FROTH & EGLIN TON 2 B/Room Basements for Rent Separate Entrance Call: 416 898 1469 2002 Covey Cargo Van for Sale Call: 416 704 8534 





Page 49

MORNING SIDE & SHEPPARD 2 B/Room Basement for Rent from Dec.1. Call: 416 616 1403 





Page 50

DAN FROTH & EGLIN TON 2 B/Room Basement for Rent Separate Entrance $800.00 Call: 416 707 9278 





Page 51

BRIMLEY & STEEL 2 B/Room Basement for Rent Near School. TTC Call: 416 704 1671 





Page 52

$u
fdlh etPd fiy> ,yf;fpaj; njhFg;G 2008 gdpf;fhy Muk;gj;jpy; ntsptutpUf;fpwJ. njFg;gpw;fhd rpWfij> ftpij> tpku;rdf; fl;Liu> E}y; kjpg;Giu> nkhopngau;g;G Mf;fq;fs; tuNtu;f;fg;gLfpd;wd. njhlu;GfSf;F 416 458 9426> 416 551 0087> 416 500 9016.
WARDEN & FINCH 3 B/Room Town House for Rent Family - $1300.00 Call: 416 283 8452 





Page 53

MORNINGSIDE & SHEPPARD 2 B/Room Basement for Rent Free Cable, Parking Near All Facilities 1992 Honda Civic – 2000km for Sale Call: 416 616 1403 





Page 54

MORNINGSIDE & MILLINER 3 B/Room Basement for Rent Call: 416 283 1984 / 416 725 1984 





Page 55

401 & WESTON 1 B/Room Walk out Basement for Rent Call: 416 614 9467 





Page 56

BRAMPTON 1 B/Room Basement for Rent Call: 416 840 6864 





Page 57

MARKHAM & DENISON 3 B/Room Basement for Rent Near Schools (Separate Entrance ) Call: 416 457 8206 





Page 58

BRIMLEY & DENISON 2 B/Room Basement for Rent $650.00 Call: 416 315 3819 





Page 59

BRIMLEY & LAWRENCE 2 B/Room Basement for Rent Separate Entrance Call: 416 430 0035 / 416 917 8336 





Page 60

BRAMPTON 1 B/Room for Rent in House Call: 416 897 1284 / 905 915 0422






Page 61
 HOUSE / CONDO FOR SALE
BRAMPTON 2 Bed Room Condo for Sale 1 W/R, New Renovated 2 APP Call: 905 793 3243 





Page 62

OLD FINCH & MORNING SIDE 4B/R 2 Years Old House for Sale Also 2500S.F. New Home in Brampton Call: 416 662 9845 / 416 297 9845 





Page 63

NE 3
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_______
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NEILSON & FINCH 3 B/R Simi House for Sale






Page 64
 Call: 416 910 0487
BRIMLEY & STEEL Tamil Restaurant for Sale






Page 65
 Call: 416 821 0001
MARKHAM & EGLIN TON 3 B/Room 2 Full W/R, ? W/R 1700SF. for Sale






Page 66
 Call: 416 459 0417
KENNEDY & LAWRENCE 3 B/Room Bang low House for Sale






Page 67
 Call: 647 989 3158
OLD FINCH & MORNINGSIDE 4 B/Room House for Sale Finished Basement & Double Garage Call: 416 662 9845 / 416 297 9845
AUTO FOR SALE
2001 Nissan Sinatra Manual 185 km for Sale Call: 416 752 8544/647 893 1361/416 890






Page 68
 8384
2004 BLACK HONDA ACC – 29 KM $13.000






Page 69
 Call: 905 940 5282
1993 TOYOTA COROLLA – 296 KM FOR SALE As is 2600






Page 70
 Call: 905 471 7373 / 416 402 1124
1999 TOYOTA COROLLA FOR SALE $147.00






Page 71
 Call: 416 271 9129
2 TRUCK FOR SALE 2004 Fndgliner $43,000 - 475HPW 2000 “ (120) 3407 – 475 HPW-19,000






Page 72
 Call: 416 428 5221 / 416 819 7356
NISSAN 93 – 170KM FOR SALE $1600






Page 73
 Call: 416 818 8905
2004 CRV – 50KM (SILVER) FOR SALE $18,000.00 2003 Honda civic Silver for Sale – 140 km $11,000.00






Page 74
 Call: 905 474 2440
1991 TOYOTA CAMRY – 226KM Good Condition






Page 75
 Call: 647 500 8215
416.264.8798
DINING TABLE FOR SALE (6 Pieces)






Page 76
 call: 416 754 9359
94 HONDA ACC.AUTO 96 Honda Manual






Page 77
 Call: 416 262 8493
2002 TOYOTA SIENNA LE 120K. Blue $13,200.00 Call: 416 856 1591
1993 Toyota Corolla for Sale






Page 78
 Call: 905 471 7373 / 416 402 1124
1999 TOYOTA CAMRY (GREEN) 214 KM FOR SALE






Page 79
 Call: 905 568 1060
OTHERS
MORNINGSIDE & LAWRENCE Tuition - Gr.1 – Gr.10 – Math, Science






Page 80
 Call: 416 286 5818
DAY CARE 2 – 4 Years (O Han & Ellesmere) Call: 416 431 8655






Page 81

PAINTING FOR HOUSES Call: 416 828 5745






Page 82

NtiyfSf;F Ml;fs; Njit.
Dunforth & Pharmacy
mike;Js;s Pizza
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Pizza Delivery
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416-694 0888
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tPL gj;jpupifapy; tpsk;gukhtjw;F 416-646-3422





Page 83
jha;tPL • brk;gH 2007
Alan Greenspan August 11, 1987 – January 31, 2006 tiu mnkupf;f kj;jpa (Federal Reserve)d; jiytuhff; flik-
ahw;wpath;. ,th; ntspapl;l fUj;Nj Nkw;$wpa “vz;nza; rpe;jpa ,uj;jk;”.
INC.
•Industrail •Commercial • Residential
• Storm Doors
• French Doors
• Patio Doors
• Porch Enclosures
• Thermal Windows
• Vinyl Windows
• Aluminum Windows
• Glass & Screen
All work Guaranteed
Vinyl and Aluminum Replacement Windows
FREE ESTIMATE
6068 Netherhart Rd Unit # 5, Mississauga, ON KARUNA 905•796•9292/ 416•892•7070
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- 43 -
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fpilj;j ,uhZt cjtp 40 gpy;ypad; lhyh;fs;. ,sturh; ngw;w juFg;gzk; Rkhh 2gpy;ypad; lhyh;fs;. kpFjpg; gzj;jpy; mnkupf;f fWg;Gr; re;ijapy; ngwg;gl;l MAjq;fs; Mgpupf;f> Mrpa
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2000k; Mz;by; bf; nrdpahy; $l;lg;gl; lJ “mnkupf;f gpupj;jhdpa gilfis INC.
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rton) vz;nza; epWtd jiytuhfTk;> epiwNtw;W mjpguhfTk; flikahw;- wpdhh;. ,e;j kfhehl;il elhj;j cjtp Gupe;jth;fs; uhd;l; $l;Lj;jhgdk;> kw;Wk; (RAND Corporation is a nonprofit global policy think tank first formed to offer research and analysis to the United States armed forces.)( The Ditchley Foundation is a British organisation based at Ditchley House near Chipping Norton, Oxfordshire, which aims to promote international rela-
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Page 84
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jha;tPL • brk;gH 2007





Page 85
jha;tPL • brk;gH 2007
xt;nthU ehSk; ehk; vOe;jTld; njhiyf;fhl;rpapNyh my;yJ thndhyp apNyh ,d;W vd;d khjphpahd thdpiy ,Uf;Fk; vd;W ghh;f;fj;jhd; tpUk;GNthk;. ,e;j thdpiy epiyikfs; Nfhil> khhp> tre;jk;> ,iyAjph;fhyk; Nghd;w gUtfhyq;fl;F ,ilapy; kl;Lky;yhJ fhyg;Nghf;fpYk; khwptUtij ehk; vkJ tho;f;iff; fhyj;jpNyNa ehk; mtjh- dpf;ff; $bajhfTs;sJ. ,e;j khw;wq;- fs; vt;thW fhyj;jpw;Ff; fhyk; Vw;gl; ld vd;gijAk; ,jw;F vd;d fhuzk; vd;gijAk; Nehf;FtNj ,f;fl;Liuapd; Nehf;fkhFk;.
ntg;gepiy> kiotPo;r;rp> tspkz;ly ePuhtpapd; msT> Kfpypd; jd;ik Nghd; wit thdpiyf;$Wfs; vd miof;fg; gLk;. xU Fwpg;gpl;l ,lj;jpy; xU Fwpg;- gpl;l Neuj;jpy; epyTk; ,t;tspkz;ly epiyikfspd; njhFg;Ng thdpiy ahFk;. ePz;l fhyj;jpy; Fwpg;ghf 30 tUlq;fl;F Nkw;gl;l fhyj;jpy; epyTk; tspkz;ly epiyikfspd; ruhrhp fhy epiy vdg;gLk;.
,t;thdpiy epiyikfs; nkJthf
fhyepiy khw;wq;fSk; Gtp ntg;gepiy mjpfhpg;G
[Pth jpiruh[h
N.K.S
Drapery & Blinds Fabric LTD
]≈Á\BVTM oƒÁkBV_ √È sÚmÔÁ· ÿ√u≈ WÆkTMD
c∫Ô^ T‚|¬z–› o>ÁkBVTM ƒÔÈs> B[TM_ ]Á ́ kÁÔÔÁ·•D, oÔ‚Ω[ mË kÁÔÔÁ·•D tÔ°D \okVTM sÁÈl_ ÿ√uƬ ÿÔV^· ∂Áw•∫Ô^.
oÔ>V ¶ ́V¤V 416.321.6420
Ketha Nadarajah (President) Tel: 416.321.6420, 905.944.0218 Fax: 416.321.2217 www.nksdrapery.ca
Drapery & Blinds Fabric Ltd., 210 Silver Star Blvd., Unit #825, Scarborough, ON M1V 5J9
khwptUtij ehk; mtjhdpf;ff; $ba jhfTs;sJ vd Nehf;fpNdhk;. Fspuhd gpuNjrq;fs; ntg;gkhfTk;> Nfhil fhyq;fs; ePz;L> kiofhyq;fs; khW- gLtijAk; mtjhdpf;ff; $bajhf cs;sJ.
fpof;F mq;fpypah gy;fiyf;fofj;jpd; fhyepiy Muha;r;rpg; gphptpd; jiy- tuhd nuj; tpf;yp (Tom Wigley) Nghd;w fhyepiyahsh;fs; ePz;l fhy thdpiy mwpf;iffs;> kuq;fspd; tisaq;fs; (Tree rings)> tz;lw;gbTfs;> ghiwfs;> gdpf;fl;b cs;sPLfs; (Ice Cores) vd;g- tw;wpd; %yk; fle;j fhy thdpiy epiyikfspd; jsk;gy;fl;fhd fhuzq; fisg; gphpj;jwpe;J ehk; ntg;gkhd my;- yJ Fspuhd my;yJ 1998 ,d; mjp jPtpu tul;rpfs;> Gay;fs;> nts;sg;ngUf;F vd;gd fhy epiy khw;wq;fspd; xU gFjpahf NtW- gl;l thdpiy epiyikfisAk; fhy- epiyfisAk; mwptpf;fpd;wJ. fhyepiy epiyikfs; khwptUtij fhyhPjpahf Tk; ,lhPjpahfTk; Nehf;FNthkhapd; INuhg;ghtpy; fp.gp.900-1200 ,w;F ,ilg; gl;l fhyj;jpy; xg;gPl;lstpy; ntg;gkhd epiyik fhzg;gl;lJ. jw;NghJs;sij tpl Xh; rpwpasT ntg;g mjpfhpg;G epytp aJ. epA+rpyhe;J jiuf;fPo; Fiffspy;
fp.gp. 1200 epiy 10.2 lJ jw;N cs;sJ. fspy; Nk ,e;j kj;j eval Warm
njd; mnk lccaya) rpf cauj;jp;y fhyg;gFj tUlhe;j 1500-1700 f fp.gp 1850 ,g;gFjpap wJ. fp.gp NghJs;si gl;lJ. gpd mtjhdpf
fp.gp 1450- gl;l Fspu Afk;(Little fle;j gd wpa ehd;f $wg;gl;lJ Nfhil f ,ilapy; lJ. mjh jYk; khh jsT  es) vd;g- thdpiy fhuzq; hd my;- my;yJ Nehf;fpr; ;dwptpf;f
ul;rpfs;> ;gd fhy hf NtW- k; fhy- fhyepiy yhPjpahf thkhapd; ,ilg; tg;gkhd Js;sij pg;G epytp iffspy;
fp.gp. 1200 ,ypUe;J ruhrhpahf ntg;g epiy 10.2ghif nfy;tpdhff; fhzg;gl;- lJ jw;NghJ 9.4ghif nfy;tpdhf cs;sJ. j];Nkdpahtpd; kutisaq;- fspy; Nkw;nfhs;sg;gl;l Muha;r;rpfSk; ,e;j kj;jpafhy ntg;gfhyj;ij (Medi- eval Warm Period) fhl;bd.
njd; mnkhpf;fhtpy; Fnty;fhah (Que- lccaya) rpfuj;jpd; cr;rpapy; 5>670 kPw;wh; cauj;jp;y; fp.gp.700 ,Yk; fp.gp.1050-1500 fhyg;gFjpapYk; 160kPw;wh; jbg;Gs;s tUlhe;j gdpg;glyk; fhzg;gl;lJ. fp.gp. 1500-1700 fhyg;gFjpapy;  mad Mgphpf;fhtpd; ghiytd kzw;Fd;W fs; gdpahw;Wf; fhyj;jpd;NghJk; epyk; tuz;ljhfTk; fly; jho;thfTk; fhzg;gl;l NghJ Njhd;wpapUf;fyhk;.
ntg;gkhd fhyj;jpy; mjpf tul;rpapd; NghJ Vw;gLk; mjpf Mtpahf;fKk; tus; epiyikfisj; Njhw;Wtpf;Fk;. vdNt tul;rpf;Fk; ntg;g epiyf;Fk; ,ilNa cs;s njhlh;ig vspjhf tpsf;f Kb- ahJ.
fhyepiy khw;wq;fl;F gy;NtW fhuzp fs; toptFf;fpd;wd. ,it vy;yhk; xUq;fpize;Nj nraw;gLfpd;wd. ,jw; fhd fhuzq;fshf gpd;tUtdtw;iwf; $wyhk;.
•
vhpkiy ntbg;Gfs;.
•
#hpaidr; Rw;wp tUk; Gtpapd; mr;rp Yk; xOf;fpYk; Vw;gLk; khw;wq;fs;.
•
tspf;Nfhsk;> fw;Nfhsk;> ePh;f;Nfhsk;> caph;f;Nfhsk; vd;gtw;Wf;fpilNa cs;s xOq;fhd rf;jpr; Rw;Nwhl;lk; Fog;gg;gLjy;. cjhuzkhf Gtpapd; rKj;jpuq;fs; mjpfstpy; MtpahFk; NghJ cUthFk; gr;irtPl;L thA thd (Green house gas) ePuhtp gr;ir
Gtpapd; ntg;gepiyahdJ gy kpy;yp- ad; Mz;Lfspy; Mff; $baJ 10 nfy;tpd; tiuNa NtWgl;Ls;sJ. Fthl;bdwp (Quaternary) Afj;jpy; mz;ika E}w;whz;LfspNyNa ntg;g
tPl;L tpisit (GtpapDs; ngwg;g- Lk; ntg;gk; cwpQ;rp itf;fg;gl mJ ntspNawKbahj epiy Vw;glNy gr;ir tPl;LtpisT vdg;gLk;) Vw; gLj;Jjy;.
khd fhyepiyikfs; epytpAs;sd.
•
•
kdpj eltbf;iffs;> cjhuzkhf
ve;j xU ,lj;jpYk; fhyepiy epiy ikfs; khwpf;nfhz;Nl ,Uf;fpd;wd. vkJ tho;ehspNyNa fhyepiy epiyikfs; khwptUtij mtjhdpf; fyhk;.
fhlopg;G> tptrhak; vd;gtw;why; Nkw;gug;G ntg;gepiy khw;wpaikf;fg; gLtJld; efu> ifj;njhopy; tsp khriljyhy; tspapd; ,urhadf; fl;likg;G khw;wpaikf;fg;glYk; efu
1V 5J9
•
ntg;gepiyahdJ E}W my;yJ Kg;gJ
46k; gf;fk; ghu;f;f...





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- 46 - fhyepiy khw;wq;fSk;...
45k; gf;fj; njhlHr;rp...
fpd;wd. mz;ikf;fhyj;jpy; Fwpg;ghf 1979 ,yp- ntg;gkiljYk;.
Ue;J Gtpapd; ntg;gepiyahdJ mjpf khd ,lq;fspy; mjpfhpj;J tUtijf; 20Mk; E}w;whz;bd; fhyepiy khw;wq;- fis Nehf;FNthnkdpd;> 1900-1940 ,w;- fpilapy; Gtp ntg;gkiljy; mjpf ms- tpy; Vw;gl;lJ. ,f;fhy ntg;gkil jYf;F gr;ir tPl;L tpisT fhuz ky;y. caph;r;Rtl;L vhpnghUs; ghtid ,f;fhyj;jpy; Vw;w mstpNyNa ,Ue;jJ.
fhzf;$bajhf cs;sJ. cyfpd; mNef khd vy;yhg; gdpahWfSk; cUfp fz;lg; gFjpfspypUe;J gpd;thq;fpf;nfhz;Nl ,Uf;fpd;wd. fle;j ,jopy; fdlhtpd; tlf;Nf Mf;bf; flw;gpuhe;jpa gdpf;fl;b vt;thW RUq;fpaJ gw;wp ghh;j;Njhk;. 1910 ,w;Fk; 1980 ,w;Fk; ,ilapy; fly; kl;lkhdJ 13 nr.kPw;wuhy; cah;e;Js; 1920 Mk; Mz;L ntg;gkhjYf;F vhp- kiyfshy; tspkz;lyj;jpy; J}Rg;Nghh;- it mfw;wg;gl;lik fhuzkhfyhk;.
sJ. ,jw;F Gtpapd; fly; Nkw;gug;G ntg;epiyfs; 0.5 nfy;tpdhy; mjpfhpj;- jik fhuzkhFk;. Mdhy; epA+rpyhe;jpy; 1900-1935 ,w; fpilg;gl;l fhyk; Fsph;fhyg;gFjpahff; fhzg;gl;lJ. vdNt fhyepiy khw;wq;- fs; xU rPuhf ,Uf;ftpy;iy vd;gij Nehf;fyhk;. 1940-1970 ,ilapy; tl miuf;Nfhsj;jpy; 0.3 nfy;tpdhy; Fspu- iljy; fhzg;gl;lJ. ,jw;F epyf;fhp vhpjyhy; Vw;gl;l ry;Ngw;why; tsp khrile; jik fhuzkhf ,Uf;fyhk;. ry;Ngw; J}RJfs;fs; Kfpy; xLq;Fk; %yf; fUf;fshf ,Ug;gjdhy; ,it cah; Kfpy;fis cUthf;fp mjpf Qhapw;Wf;
fhyepiy khw;wq;fs; njhlh;ghd murhq;fq;fl;fpilapyhd FO (Intergo- vernmental panel on Climate Change) jdJ ,Wjp kjpg;gPl;L mwpf;if(2007)apy; cyF ntg;gkile;J tUtijAk; fhyepiy mikg;gpy; Vw;gl;LtUk; Vida khw;wq; fisAk; gw;wp xU njspthd mwpf;if ia toq;fpAs;sJ. ,jd;gb mtjhdpf;- fg;gl;l fhyepiy khw;wq;fSf;fhd cjhuzq;fshf gpd;tUtd Kd;itf;- fg;gl;Ls;sJ. fjph;fisj; njwpf;fr; nra;fpd;wd. khwhf njd; miuf;Nfhsj;jpy; kpff; Fiwthd epyf;fhp vhpjYk; kpff; Fiwthd ry;Ngw; cUthf;fKk; Fspuiljy; epiyik
•
20Mk; E}w;whz;by; Gtpapd; ruhrhp Nkw;gug;G ntg;gepiy 1ghif guidl; lhy; mjpfhpj;Js;sik fhzg;gl;likf;F fhuzkhFk;.
•
20Mk; E}w;whz;bd; gpd; miug;gFjp- apy; gdpf;ftpg;Gf;fspdJk; (Snow  # cjhuzq $wg;gl;Ls
•
ciwg
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jhtuq Nehf;fp
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rpy j tiljy
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kuq;fs
•
fhyj;j Njhw;wk
•
gwitf aply;
20 E}w;wh khw;wq;fS fhuzk; njhlh;ghd FO (Inte Change) j nehtk;gh;)
,j;jifa wq;fs; k fpy; mopj ehk; mi jtph;j;Jf ,d;wpaik thW ,f; khfpd;whd thW ehk ijAk; m

jha;tPL • brk;gH 2007
979 ,yp- J mjpf Utijf; pd; mNef fp fz;lg; ;nfhz;Nl dlhtpd; gdpf;fl;b hh;j;Njhk;. apy; fly; ah;e;Js; Nkw;gug;G mjpfhpj;-
jhlh;ghd (Intergo- ge) jdJ py; cyF hyepiy khw;wq; mwpf;if tjhdpf;- Sf;fhd d;itf;-
; ruhrhp guidl;
ug;gFjp- ; (Snow iyg;gdpf; e;jik jpfhpg;Gk; ; mjpf
(Middle) k; (High Sk;... latitudes)mad (tropical) epyg;gFjp fspYk; ruhrhp gbTtPo;r;rp (Precipita- tion) mjpfhpf;ff; $ba jd;ik
cyfj; jkpou;
•
cyfpd; rpy gFjpfspy; mbf;fb mjp $bastpw;F (Extreme) gbTtPo;r;rp Vw;glf; $ba jd;ik
r%f E}yfk; cq;fis
,jid tpl mtjhdpf;fg;gl;l
miof;fpwJ! ngsjpf> #oypay; khw;wq;fl;F cjhuzq;fshf gpd;tUtd $wg;gl;Ls;sd.
Gyk;ngau; ehLfspNyNa kpfg; ngupa
E}yfk;!
•
ciwgdp cUFjy;
15>000f;Fk; Nkw;gl;l jkpo; E}y;fs;!
•
jhtuq;fSk; tpyq;FfSk; Kidit Nehf;fp tlGwkhf ngah;jy;
rpWtu; Kjy; ngupNahu;tiu
•
rpy jhtu> tpyq;fpdq;fs; Fiw
gad;ngwf;;$ba E}y;fs;! tiljy;
tUlnkhd;wpw;F 200f;Fk; Nkw;gl;l
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kuq;fs; fhyj;jpw;F Ke;jp G+j;jy;
Gj;jfq;fis
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fhyj;jpw;F Ke;jp rpy G+r;rpapdq;fs; Njhw;wk; ngwy;
thrpf;ff;$ba mjpu;];lk;!
•
gwitfs; fhyj;jpw;F Ke;jp Kl;il-
,izaj;jsk; aply;
www.tamillibrary.ca Ig;
20 E}w;whz;bd; ,e;j Gtp fhyepiy
ghu;itapLq;fs;.
khw;wq;fSf;F kdpj eltilf;iffNs
,d;Nw mq;fj;jtuhfpg; gad; fhuzk; vd fhyepiy khw;wq;fs; njhlh;ghd murhq;fq;fl;fpilapyhd
ngWq;fs;.
FO (Intergovernmental panel on Climate Change) jdJ ,Wjpf; $l;lj;jpy; (2007 nehtk;gh;) Kbitj; njhptpj;Js;sJ.
njhlu;GfSf;F:
,j;jifa ghjfkhd fhyepiy khw;-
39, Cosentino Dr. wq;fs; kdpj Fyj;ijNa fhyg;Nghf;- fpy; mopj;J tplf;$baJ. kdpjuhfpa
Scarborough, ON ehk; midtUk; ,j;jifa mopitj; jtph;j;Jf; nfhs;tjw;F gq;fspg;gJ
M1P 3A3
,d;wpaikahjjhfpd;wJ. kdpjd; vt;- thW ,f; fhyepiy khw;wq;fl;F fhuz
Midland/Progress khfpd;whd; vd;gijAk; ,tw;iw vt; thW ehk; jtph;j;Jf; nfhs;syhk; vd;g- ijAk; mLj;j ,jopy; Nehf;FNthk;.
Tel: (416) 335 0622





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jha;tPL • brk;gH 2007
tPl;bd; jz;zPu; #Nlw;wp gOjhfpa gpd;dhy;jhd; mijg; gw;wpa Nahrid Njhw;Wfpd;wJ. vkJ jz;zPu; vt;thW #Nlw;wg;gLfpd;wJ. vt;tifahd #Nlw;wp fs; cs;sd vd;gJ gw;wpa mwpTk; vkf;F mjpfkhf ,Ug;gjpy;iy. ,dpAk; filrp epkplk; tiuAk; fhj;jpUf;fhky;> GjpaJ thq;Fk; NghJ cq;fis ePq;fs; jahu;g;gLj;jy; ey;yjy;yth? mjw;fhfj; jhd; ,e;jf; fl;Liu tUfp wJ. mbg; gilapy; cq;fs; RLePu; Njitia ePq; fs; jPu;khdpf;fNtz;Lk;. mLj;jJ Fiwe;j nrytpy; epiwe;j gad; jUk; topia gpd;gw;wNtz;Lk;> mj;NjhL rupahd top apy; #Nlw;wp nghUj;jg;gly; Ntz;Lk;.
,d;W ghtidapy; cs;s rpy ePu; #Nlw;wpfs;
fle;j rpy tUl fhykhf ghtidahs Uf;F ntt;NtW tif #Nlw;wpfs; mwp KfkhfpAs;sd. mitahthd:
•
RLePu; jhq;fpAila kuGKiw #Nlw;wp fs; (Storage Water Heaters)
•
Njitf;F Vw;g ePiu #Nlw;wy;
• Loans
• Mortgages
• Insurance Claims
• Traffic Ticket
• Auto/Life Insurance
RLePu; #Nlw;wpfs;: jPu;khdpg;gjw;F rpy MNyhrid
nry;tp mjpep
- fld; - mlkhdf;fld; - fhg;GWjp
(Demand Water Heaters)
•
ntg;gg; gk;G #Nlw;wpfs; (Heat Pump Water Heaters)
•
jhq;fpaw;w ntg;gr;RUs; #Nlw;wp (Tankless Coil Water Heaters)
•
#uparf;jpia ghtpj;J ePiu#Nlw;wy; (Solr Water Heaters) RLePu; jhq;fpAila kuGKiw #Nlw;wpfs; (Storage Water Heaters)
• Scholarship Plan (RESP)
• Real Estate Related
• Credit Counselling
• Accounting
• Tax Services
,t; Kiw topKiwf thA> kz nghJthf
sT nfh cz;L. f gLk; #Nl ePu; Njit cs;s F mj;Jld; gFjpapdh epiwj;J
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jz;zPu; , NghJ #L El;gj;jpy; RL ePu; Nj ePu; #Nl Clhf ja Yk; jtpu;f 30tPjk; t #Nlw;Wtj ghtpf;fg;g Fspf;Fk;N epiy t tPjk; kl nghJthf 15.2 yPw ghr;ry; t Njitf;fh NghJ ,t jhNa ,U Jk;> ry re;ju;g;gq;f ,Uf;fhJ. NtW gk Njitia
vupthAit tPjj;ij m rhuj;jpypY tpdhy; t tpsf;F n gjhy; m MapDk; ntg;gg; g (Heat Pum

RLePu; #Nlw;wpfs;: hdpg;gjw;F rpy MNyhridfs;
- 47 -
eat Pump
#Nlw;wp
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sT nfhz;l jhq;fpfs; tpw;gidapy; cz;L. fdlhtpy; nghJthf ghtpf;fg; gLk; #Nlw;wpfs; ,t;tifapdNj. #L ePu; Njitg;gLk; NghJ jhq;fpapd; Nky; cs;s Fohapdhy; ntspNaWfpwJ. mj;Jld; jz;zPu;> jhq;fpapd; fPo; gFjpapdhy; cs;Ns nrd;W jhq;fpia epiwj;J itj;jpUf;Fk;.
jhq;fpapy; cs;s ePiu njhlu;r;rpahf #Nlw;wpf; nfhz;bUf;Fk;. ehq;fs; ghtpf;fhj nghOJfspYk; ePu; #Nlw;wg; gLtjhy; rf;fp tPNz tpuakhfpf; nfhz;Nl ,Uf;Fk;. ,ij jahu;epiy ntg;g ,og;G vdf; $WfpNwhk;. jw; NghJ tpw;gidf;F te;Js;s jahupg;G fs; ,t; ntg;g ,og;ig Fiwg;gjw;fhd njhopy; Kiwfis cs;slf;fpajha; cs;sd. ngUk;ghYk; ,tw;wpd; njhopy; Kiw Fwpg;gpYk;> rf;jp Nrkpg;G Fwpg; gpYk; Nkyjpf tpguq;fs; cs;slf;fg; gl;bUf;Fk;. Njitf;F Vw;g cld; ePiu #Nlw;wy;
jz;zPu; ,t; #Nlw;wpf;$lhf nry;Yk; NghJ #L ePuhf;fg;gLfpwJ. ,t; njhopy; El;gj;jpy; jhq;fpfs; ,y;iy. vdNt RL ePu; Njitg;gLk; NghJ clDf;Fld; ePu; #Nlw;wp toq;fg;gLfpwJ. ,jd; Clhf jahu;epiy ntg;g ,og;G Kw;wp Yk; jtpu;f;fg;gLtJld; 20tPjj;jpypUe;J 30tPjk; tiuapy; rf;jp Nrkpf;fg;gLfpwJ. #Nlw;Wtjw;F vupthA my;yJ kpd;rhuk; ghtpf;fg;gLfpwJ. ,jdhy; ePq;fs; Fspf;Fk;NghJ RLePu; ,y;yhky; NghFk; epiy tuhJ. MdhYk; ePu;g;ghr;ry; tPjk; kl;Lg;gLj;jg;gl;ljhNa ,Uf;Fk;. nghJthf> ,k;Kiw %yk; 7.6 yPw;wu;- 15.2 yPw;wu; xU epkplj;Jf;F vd;w ghr;ry; tPjNk ,Uf;Fk;. Fwpg;gpl;l xU Njitf;fha; kl;Lk; RL ePiu ghtpf;Fk; NghJ ,t; ePu;g;ghr;ry; tPjk; NghJkhd jhNa ,Uf;Fk;. xNu jlitapy; Fspg;g Jk;> ryit ,ae;jpuKk; ,aq;Fk; re;ju;g;gq;fspy; RLePu; NghJkhdjhf ,Uf;fhJ. Njitf;F Vw;g rkhe;jukhf NtW gk;Gfis nghUj;Jtjd; %yk; Njitia rkhspf;f KbAk;.
vupthAit ghtpf;Fk; NghJ ePu;ghr;ry; tPjj;ij mjpfupf;f KbAk;. Mdhy; kpd; rhuj;jpypYk; tpl mjpfsT rf;fp vupthA tpdhy; tpuakhfpwJ. Vnddpy; igyl; tpsf;F njhlu;e;Jk; vupe;J nfhz;bUg; gjhy; mjw;fhd thA tpuakhfpwJ. MapDk; ,J kpfTk; Fiwe;jsNt. ntg;gg; gk;G #Nlw;wpfs; (Heat Pump Water Heaters)
ntg;gg; gk;G kpd;rhuj;jpdhy; ,af;fg;gL fpwJ. kpd;rhuj;jpdhy; Neubahf ntg;gj; ij cz;lhf;fhky;> ntg;gj;ij xUgFjp apypUe;J ,d;ndhU gFjpf;F nfhz;L nry;tjw;Nf ,q;F kpd;rhuk; ghtpf;fg; gLfpwJ. ,t; tifahd #Nlw;wpfs; ePu;jhq;fpfSlDk; tUfpd;wd. my;yJ cq;fsJ jw;Nghija ePu;jhq;fpiaAk; ,jDld; ghtpf;fKbAk;. ,j;jifa gk;Gfis nghUj;Jtjw;F nryT ngU kstpy; vjpu;ghu;f;fg;gLfpwJ. ,t; gk;G fs; nghUj;Jk; ,lk; Fwpg;ghf 4.4 nrd;wpfpNul;-32.2 nrd;wpfpNul; ntg;gepiy apy; Ngzg;glNtz;Lk;. mj;NjhL gk;igr; Rw;wpa #oy; Fiwe;jJ 1000 fd mb ahf ,Uj;jy; Ntz;Lk;. ,t; gk;G rpwg; ghf njhopy; gLtjw;F vupthA miwf; Fs; ,tw;iw nghUj;JtNj crpjkhdJ. Fspu; $ba ,lq;fspy; ,it rpwg;ghf Ntiy nra;tjpy;iy.
;GWjp
jhq;fpaw;w ntg;gr;RUs; #Nlw;wp (Tankless Coil Water Heaters) Plan (RESP) Related selling
RL ePiug;ghtpj;J cq;fs; tPl;il #Nlw; Wk; Kiwia ghtpg;gtu;fSf;F ,k; Kiw ,yFtha; ,Uf;Fk;. ,tw;Wf;fhf nfhjpfyd; ghtpf;fg;gLfpwJ. ,JnthU jhq;fpay;y. Fspu; fhyq;fspy; tPl;il #Nlw;Wtjw;fhf nfhjpfyd; ghtpf;fg; gLtjhy;> RL ePu; Njitg;gLk;NghJ s
jz;zPu; ntg;g khw;wpA+lhf nrd;W RL ePuhf vkJ Njitf;F tUfpwJ. ,q;F ntg;g khw;wp ghtpf;fg;gLfpwJ. ,t; khw;wpNa nfhjpfyid Njit fUjp fl;Lg;gLj;jp itf;fpwJ. Fspu; fhyq; fspy; tPl;ilr; #Nlw;Wtjw;Fk; ,k;Kiw ghtpf;fg;gLtjhy;> RL ePu;j; NjitAk; ,yFthf G+uzg; gLj;jg;gLfpwJ. Mdhy; Nfhil fhyq;fspy; RL ePiug; ngWt jpy; rpW rpf;fy;fs; cz;L. #uparf;jpia ghtpj;J ePiu#Nlw;wy; (Solr Water Heaters)
#upa rf;jpiaf; nfhz;L ePiu #Nlw;wp vkJ Njitiag; G+u;j;jp nra;J nfhs;s KbAk;. gy;NtW jahupg;Gfs; ntspte; Js;sd. MapDk; fdlh Nghd;w Fspu; ehl;by; Jizf;F (gpd;gykhf) kw;wa #Nlw;wpfspy; Vjhtnjhd;W ,Ug;gJ ed;Nw.





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43k; gf;fj; njhlHr;rp...
me;jpuhf;]; kUe;jhy; ghjpf;fg;gl;l Hart Senate Building in Washington, D.C.I myd; fPwPd;];ghd;> kw;Wk; Halliburton
Jg;guT nra;Ak; gzp ,e;j epWtdj;- and Carlyle Group. Carlyle Group ,d;
Jf;Nf toq;fg;gl;lJ. ,tw;Wld; ghJ MNyhrfh;fshfTk;> mjpfhupfshfTk;
fhg;ig gyg;gLj;Jk; gy xg;ge;jq;fis gpd;tUk; murpay; mjpfhupfs; flik
,e;j epWtdk; ngw;Wf; nfhz;lJ. ahw;wpAs;sdh;. James Baker III, George H. W. Bush,
,e;j epWtdk; rt+jp mur FLk;gj;jpd; George W. Bush, Frank C. Carlucci( former
gzj;ij mnkupf;fhtpy; KjyPL nra;jJ. United States Secretary of Defense from
mJ khj;jpuky;y -rt+jpapd; gpugy 1987 to 1989), Liu Hong-Ru ( former chair-
Binladin Group. It’s about a $5 billion con- man of China’s Securities Regulatory
struction company gzj;ijAk; mnkupf;fh Commission), John Major( former British
tpy; KjyPL nra;jJ. Prime Minister, Chairman, Carlyle Europe from 2002 until 2005), Frank McKenna
Halliburton gy jtWfis ,ioj;Js; (Canadian ambassador to the United States
sJ. cjhuzkhf  vz;nza;> advisory board), Mack McLarty ( White
tPL> Nghf;Ftuj;J Nghd;wdtw;iw House Chief of Staff under President Bill
Vw;ghL nra;tjw;fhf Rkhh; 8 gpy;ypad; Clinton), Fidel V. Ramos( former president
lhyh;fs; xg;ge;jk; toq;fg;gl;lJ. of the Philippines, Carlyle Asia Advisor
,jid rupahf nra;ahjJld;> Rkhh; 40 Board Member until the board was disband-
tpfpjk; mjpfkhfTk; ngw;Ws;sJ. 42>000 ed in 2004), Anand Panyarachun( former
czT nghjpfs; toq;fpajhf murplk; Prime Minister of Thailand (twice), former
gzk; ngw;w epWtdk;> ntWk; 14>000 member of the Carlyle Asia Advisory Board
nghjpfisNa toq;fpAs;sJ. until the board was disbanded in 2004), Thaksin Shinawatra( deposed Prime

Mdhy; mq;F Ntiynra;Ak; njhopyh Fitj;ij ehrg;gLj;jpajw;fhf Rkhh;
spfSf;F ntWk; 50 rjq;fisNa xU 27gpy;ypad; lhyh;fs; el;l 000 uf;Ffs; nraypoe;Js;sd. mnkupf;fh Carlyle Group INa epakpj;jJ.
JUf;fp> gpypg;igd; njhopyhsh;fSf;F 9/11f;Fg; gpd;dhy; ,e;j epWtdk; gy
vr;rpy; gz;lq;fis czthf toq;fp mur xg;ge;jq;fisg; ngw;Wf;nfhz;lJ.
As;sJ. U.S. Investigative Services, USIS vd;w epWtdk; (Carlyle Group own 100%)
 milahsk; Nghd;w ghJfhg;G
Fiwe;Js;sJ. vz;nza;f; fplq;Ffs; Ma;Tfis Nkw;nfhz;L tUfpd;wJ.
mDkjpaw;w ,;lq;fspy; Njhz;bAs;s
Jld;> gpi As;shh;fs Vw;Wkjp 5  M vz;nza khjpupNa nfhLj;J
kj;jpa M vz;nza cyftq;f toq;fpaJ ExxonMob vz;nzi ehLfSf vz;nza Idriss Deb fNt nry
#lhdpd; t tpahghuj;j Rkhh; 60

jha;tPL • brk;gH 2007 ,uj;jk;...
Jld;> gpioahd KiwapYk; Njhz;b
nrytpLfpd;wdh;. #lhd;> nfhq;Nfh> As;shh;fs;. xU ehisf;F vz;nza;
vfpg;J Nghd;w ehLfs; vz;nziaf; Vw;Wkjp 5 kpy;ypad; lhyh;fs;. ,jdhy;
nfhLj;J rPd MAjq;fisg; ngWfpd;w ;gl;l Hart n, D.C.I epWtdj;- ld; ghJ ;jq;fis ;lJ.
 tl nfhupahTk; epWtdq;fs; gw;wpAk;> mLj;j ,jopy;
vz;nza; - MAj Nguk; NgRfpd;wd. ,J Lk;gj;jpd;
tpupthf ghhg;Nghk;) nra;jJ.
mq;Nfhyh ngw;NwhypaKk;> ituq;f
rPdh> tl nfhupah> ntdpRyh> fpAgh Nghd;w ehLfs; If;fpakhfp kPz;Lk; Xh; ,lJ> tyJ Nghiu ntspg;gLj;jyhk; ; gpugy illion con- nkupf;fh
Sk; epiwe;j Mgpupf;f ehL. ePz;l fhy
vd Iag;gLfpd;wdh; Nkw;fj;jpa ,uh[ cs; ehl;L Aj;jj;jhy; ehL tWikapy;
je;jpupfs;. thLfpd;wJ. ,q;F $l G]; tpl;L itf;ftpy;iy. ,q;Fk; ,uj;j Miw
2006 rpj;jpiuapy; u\;ahTk;> gh;khTk; ioj;Js;
Xl itf;Fk; mq;Nfhyh muRf;F Rkhh;
vz;nza; - Maj xg;ge;jj;jpy; ifr;rhj; 750 kpy;ypad; nlhyh;fs; vz;nza;
jpl;Ls;sd. ; cs;s z;nza;> dtw;iw gpy;ypad; ;fg;gl;lJ. Rkhh; 40 J. 42>000 murplk; k; 14>000
gzj;jpw;F> MAjq;fis toq;fpAs; sJ. mq;Nfhyh mjpgupd; kidtp
gpuhd;];> rt+jp> Fitj;> rpupah Nghd;w Nrhdpah (Kd;dhs; nghyptpah mofp)>
ehLfspy; ,Ue;J ,wf;FkjpahFk; vz; G];]pd; Njh;jYf;Fg; gzk; toq;fpAs;
nza;f;F khw;wPlhf MAjq;fis toq;F shh;. mq;Nfhyh muRf;Fk; nrdpapd;
fpd;wJ. gpuhd;]; MAj Vw;Wkjpapy; Halliburton and its subsidiary Brown &
%d;whk; ,lj;jpy; cs;sJ. KjyhtJ Rootf;Fk; njhlh;Gfs; cs;sik cWjpg;
,lk; mnkupf;fhTf;Nf. Rkhh; 50f;F gLj;jg;gl;Ls;sJ. ,Nj mq;Nfhyh rPdh
Nkw;gl;l ehLfSf;F gpuhd;]; MAj tpw;F> MAjq;fisg; ngWtjw;fhf
Vw;Wjp nra;fpd;wJ. vz;nza; Vw;Wkjp nra;fpd;wJ ,Nj (24 Nghj; Nfrpw;F
khjpupNa ,e;NjhdprpahTk; vz;nziaf; nfhLj;J MAjq;fisg; ngWfpd;wJ. g fOT pl;Ls;sJ. njhopyh Na xU
kj;jpa Mgpupf;f ehlhd rhl;(Chad)y; vz;nza;f; fpzWfs; Njhz;Ltjw;fhf cyftq;fp 3.7 kpy;ypad; lhyh;fis toq;fpaJ. mnkupf;f epWtdq;fshd
,e;jpah> ghfp];jhd;> mq;Nfhyh Nghd;w ehLfs; Nghl;b Nghl;Lf; nfhz;L Majq; fs; thq;Ffpd;wd. rPdh MAj cw;gj;jp apy; Kd; epw;fpd;wJ. kpff; Fiwe;j tpiyapy; ey;y MAjq;fis thq;f yhk; vd;w ngaUk; rPdhtpw;Fz;L. ,d;W mgptpUj;jpaile;j ehLfs; ExxonMobil and Chevron Mfpait
midj;Jk;> %d;whk; cyf ehl;L kf;f- e;Js;sd. h;fSf;F toq;fp
vz;nzia fk&d; Clhf kw;iwa
spd; rijf;Fk;> ,uj;jj;Jf;Fkhf miy ehLfSf;Ff; nfhz;L nry;fpd;wd.
fpd;whh;fs;. G];> gpNsah; vdj; njhlUk; vz;nza; tUkhdj;ij rhl; mjpgh;
gl;bay; thrpfs; Jg;ghf;fpia nfhLj;J Idriss Deby MAjq;fs; thq;Ftjw;fh
gzk; rk;ghjpf;fpd;whh;fs;. vz;nza;g; fNt nrytpLfpd;whh;.
gzj;Jf;fhf gy;NtW jpy;Y Ky;Y-
gUksT Vw;Wkjp
#lhdpd;
tUkhdj;jpy; 40tpfpjk; vz;nza;
fisr; ,th;fisj; nra;fpd;whh;fs;.
jhd; cyf kf;fs; nja;t- ;; plq;Ffs; z;bAs;s
tpahghuj;jpy; ngwg;gLfpd;wJ. ,jpy;
khfg; g+rpf;fpd;whh;fs;! Rkhh; 60 tpfpjj;ij MAjq;fs; thq;f





Page 89
jha;tPL • brk;gH 2007
epj;jk; epj;jk; khWtJ vj;jidNah?
,uh[Nrfu; Mj;jpag;gd;
ePh; khRgLjy; (Water Pollution)> fhw;W khRgLjy; (Air Pollution) vd;W ,uz;L tif khRfisg; gw;wpj;jhd; ,Jtiu ehk; njhpe;J itj;jpUe;Njhk;. mjdhy; jhd; ehk; jz;zPUf;F tpiy nfhLf;f Ntz;ba eph;g;ge;jk;. rpy gl;lzq;fspy; Mf;rprd; G+j; vd;W jpwe;jpUf;fpwhh;fs;. Rj;jkhd gpuhzthAit xU kzpNeuk; Rthrpf;f ,e;jpahtpy; &. 30.00 thq;Ffp whh;fs;.
%d;whtJ tifahd khR vd;dntd; gij ehk; njhpe;J nfhz;L mjpypUe;J jg;gpj;jhy; eytho;T ekNj! kpd;dZ khR (Electro Pollution) vd;gJ jhd; ek; fz;Zf;Fg;Gyg;glhj gaq;fukhd %d;wh tJtif khR. 1879k; Mz;L Njhk]; My;th vbrd; kpd;tpsf;iff; fz;Lgpbj;j gpd;> gbg;gbahf ekJ tho;tpy; Eioe;j ,e;j kpd;dZ khR fle;j rpy Mz;L fspy; Ntfkhf mjpfhpj;Js;sJ. mjhtJ E}whz;LfSf;F Kd;G ,Ue;j epiy ia ,g;NghJs;s epyikNahL xg;gpL Nthkhdhy; 200kpy;ypad; klq;F mjpf khd kpd;fhe;jf; fjph;tPr;Rf; flypd; - rKj;jpuj;jpd; eLtpy; ehk; tho;e;J nfhz;L ,Uf;fpd;Nwhk;. ehk; gad; gLj;Jk; kpd;dZ njhiyNgrpfs; (nry; Nghd;)> tiyak; (Internet)> ,itfSf; fhf epWtg;gl;Ls;s Ez; mZ NfhGuq; fs; (Microwave towers)> ,ju fUtpfs; vy;yhk; Nrh;e;J ,e;j kpd; fhe;jf; fjph; tPr;ir mopT Mw;wyhf caphpdq;fspd; kPJ md;whlk; tPrpf; nfhz;bUf;fpd;wJ.
ekJ clk;gpd; euk;G kz;lyKk;> ehskpy;yhr; Rug;gpfspd; kz;lyKk; ,ize;J nray;gl;L clypd; rkdpiy iag; Ngzpg; ghJfhf;fpd;wd. Mdhy; ,e;j mikg;igr; rhh;e;j Kf;fpa Rug;gp fs;> EMR- kpd;fhe;j fjph;tPr;rpdhy; (Electro magnetic radiation) ghjpf;fg;gL fpd;wd. clypd; rkdpiy vd;gJ kpf Tk; Nfs;tpf;Fwpahd xd;W.
caph; ,urhad nraw;ghl;bdhy; ekJ clk;gpYs;s 100 bhpy;ypad; nry;fSk; nkJthd kpd;fhe;j rkpf;iffs; %ykh fj; njhlh;G nfhs;fpd;wd. clk;gpd; nraw;jpwDf;fhd fl;lisfs; ahTk; ,e;j rkpf;iffspd; ghijapy;jhd; vLj; Jr; nry;yg;gLfpd;wd. ,e;jg; ghij- topfs; njhlh;r;rpahd ntspg;Gwj; jhf;Fjyhd EMRd; %yk; Neha;tha;g; gl NehpLfpd;wJ. vg;gbnad;why; nry; irl;Nlhgpdhrk; ghjpf;fg;gl;L> rj;Jf;fs; nry;ypDs; EioaKbahky; mNjrkak; nry;ypd; cs;Ns cs;s fopTg; nghUs; fs; ntspNa tuKbahkYk; xU caphp ay; Fog;gk; epfo;fpd;wJ.
EMRIg; gw;wpa E}w;Wf; fzf;fhd Ma;T fs; vg;gbnay;yhk; ekJ euk;G kz;l yq;fs;> Rug;gp kz;lyk;> Neha; vjph;g; ghw;wy;> fw;Fk; jpwd;> gof;f tof;fq; fs; Mfpad ghjpf;fg;gLfpd;wd vd;g ij ep&gpj;Js;sd.
ekJ clk;gpy; Ruf;ff;$ba nkyl;l dpd;> ,d;Rypd; <];bNw[d;> (Estrogen) nl];Nlh[;bNuhd; Nghd;w `hh;Nkhd; fs; kpf Ez;zpa mstpy; ghjpf;fg;gl; lhYk; mit clypy; nghpa ghjpg;G fis Vw;gLj;Jk;. ek;Kila etPd tho;f;
ifKiw (Life Style)gy mr;RWj;jy;fis ekJ Rug;gpfspd; kz;lyj;jpw;F jpde; NjhWk; nfhLf;fpd;wJ. kd mOj;jk; (Sterss)> er;Rj;jd;ik (Toxicity)> Nkhr khd czTg;gof;fk;> J}f;ff;FiwghL (Sliip Disorder)> ehk; vLf;Fk; kUe;Jfs; (Pharma Products) ,itnay;yhk; N`hh; -Nkhd;fis njhe;juT nra;Ak; fhuzp
fs;. vy;yhtw;iwAk; tpl ehk; ftdpj;J tpyf;fNtz;ba N`hh;Nkhd; njhe;juT fhuzp EMR.
%isapd; cl;gFjpapy; gpdpay; Rug;gp vd;w kpf nkd;ikahd czh;T nfhz;l Rug;gp cs;sJ. ntspr;rk; gl;lhy;f; $l ghjpf;Fk; jd;ikAs;s ,ijj;jhd; ekJ Kd;Ndhh; ‘%d;whtJ fz;” vd;W nrhd;dhh;fs;. Njitaw;wJ vd;W fU jg;gl;l gpdpay; Rug;gp jw;fhyj;jpy; kpf Kf;fpaj;Jtk; tha;e;jjhff; fUjg;gL fpd;wJ. 50 Mz;LfSf;F Kd;dh;jhd; ‘nkyl;ldpd;’ vd;w N`hhNkhd; Rug;gNj fz;Lgpbf;fg;gl;lJ. ,e;j nkyl;ldpd; Rug;gjw;F %yfhuzNk gpdpay; Rug;gp jhd; ‘nkyl;ldpd;” xU mw;Gjkhd N`hh;Nkhd;. ekJ cly tsh;r;rp> J}f; fk;> MNuhf;fpak;> kw;Wk; Gw;WNeha; vjph;g;ghw;wy; Nghd;wit ,e;j N`hh; Nkhdpy;jhd; mlq;fpAs;sJ. xU kdpjd; epj;jpiu nra;aj; Jtq;fp 90 epkplq;fs; fopj;Jj;jhd; ,e;j N`hh;Nkhd; Ruf;fj; njhlq;Fk;. eL ,uhj;jphpapy;jhd; ,jd; msT mjpfkhfpd;wJ. ,e;j N`hh;khd; jhd; ekJ epj;jpiu – tpopg;Gr; Row;rp ia eph;zapf;fpd;wJ. nry; gphpjiy Cf;F tpf;fpd;wJ. <];lNuh[d; Rug;gjw;Fk;> khh;Gg; Gw;WNehiaj; jLg;gjw;Fk; ,e;j N`hh;Nkhd; cjTfpd;wJ. Neha;f;fhuzp fis mopf;fty;y ypk;Nghirl;Lfis tPhpag;gLj;Jfpd;wJ. tpl;lkpd; D-Ald; Nrh;e;J fl;bfs; tsutplhky; jLf;Fk; Mw;wy; ,e;j N`hh;NkhDf;F cs;sJ. vdNt jpde;NjhWk; ‘nkyl;ldpd;” Rug; gJ kpfTk; mtrpakhd xd;W. Mdhy; ekJ gLf;if miwapy; ehk; itj;jpUf; Fk; nry;Nghd;> njhiyNgrp> rp.b gpNsah;> btp> Tape Recorder ,d;Wk; ,ju fUtp fs; nkyl;ldpd; cw;gj;jpia fLik ahff; Fiwf;fpd;wJ. nkyl;bdpd; Fiw ghl;lhy; khh;gfg; Gw;WNeha;> Guh];Nll;> Fly;Gw;W> Njhy;Gw;W (nkyNdhkh)> fh;g;gg;ig Gw;WNeha;> ,uj;jg;Gw;WNeha; Vw;gLfpd;wd vd ep&gpf;fg;gl;lhapw;W. ,jd; Kf;fpa fhuzpahd EMR kpd; fhe;j fjph;tPr;R cgfuzq;fis ehk; NjhoikNahL nrhe;jk; nfhz;lhLtJ Vd;?
nry;Nghd;fs; mUNf> Cordless phone> jukpy;yhj kpd; ,izg;Gfs;> kpd;rhu Nfgps;fs;> ,tw;wpd; mUNf J}q;F
tjhy; , ia ehk; fs;> nj gzpahsh Nrhjpj;Jg Gw;WNeha ag;gl;lJ.
jw;nfhiy fhe;jf; fj vd;W m rpwg;Gtif fpd;wJ. ,

pj;jk; epj;jk; khWtJ
vj;jidNah?
- 49 -
j;jy;fis ;F jpde; mOj;jk; y)> Nkhr ;FiwghL Ue;Jfs; k; N`hh; k; fhuzp
ftdpj;J jhe;juT
y; Rug;gp nfhz;l hy;f; $l ijj;jhd; ;” vd;W d;W fU ;jpy; kpf fUjg;gL d;dh;jhd; ; Rug;gNj yl;ldpd; y; Rug;gp w;Gjkhd ;r;rp> J}f; w;WNeha; N`hh; kdpjd; pkplq;fs; ; Ruf;fj; hd; ,jd; `hh;khd; r; Row;rp y Cf;F g;gjw;Fk;> ;Fk; ,e;j a;f;fhuzp rl;Lfis D-Ald; jLf;Fk; cs;sJ. pd;” Rug; . Mdhy; tj;jpUf; gpNsah;> ju fUtp fLik pd; Fiw uh];Nll;> Ndhkh)> w;WNeha; l;lhapw;W. MR kpd; s ehk; ;lhLtJ
ss phone> kpd;rhu J}q;F
tjhy; ,uTNeu nkyl;ldpd; cw;gj;jp ia ehk; jLf;fpd;Nwhk;. vyf;l;hP\pad; fs;> njhiyj;njhlh;gpy; gzpGhpAk; gzpahsh;> nghwpahsh; Nghd;wth;fisr; Nrhjpj;Jg; ghh;j;jjpy; mNdfh; khh;gfg; Gw;WNehapdhy; ghjpf;fg;gLtJ fz;lwp ag;gl;lJ.
jw;nfhiyf;Ff; fhuzk;: EMR (kpd; fhe;jf; fjph;tPr;R) epA+Nuh buhd;];kPl;lh; vd;W miof;fg;gLk; ekJ clypd; rpwg;Gtif N`hh;Nkhd;fisAk; ghjpf; fpd;wJ. ,tw;Ws; nrul;Nlhdpd; kw;Wk;
Nlhg;gkpd; vd;git ekJ czh;Tfis khw;wf; $baJ. Depression Vw;gLtjw;F Kf;fpa fhuzNk nrul;ldpd; FiwghL jhd;. ,J jw;nfhiy czh;Tfisf; nfhz;LtUfpd;wJ>
vd;d nra;ayhk;?: ekJ nry;Nghd;> kpd;dZ rhjdq;fis> tahpy;yhj njhiyNgrpfis> ekJ gLf;if miw iatpl;L vLj;JtpLtJ Fiwe;jgl;r eltbf;if. efu vy;iyiaf; fle;J mikjpahd fpuhkr; #o;epiyapy; tho; -tJ ,d;Dk; eyk;gaf;Fk;. czT Kiwapy; kQ;ris md;whlk; gad;gLj; Jq;fs;;. ney;ypf;fha;> ty;yhiu> mUfk; Gy;> nts;isg;G+z;L> Gjpdh> nfhj;j ky;yp> nte;jak;> kpsF> ntq;fhak; ,itfisj; jtwhky; Nrh;j;Jf; nfhs; -Sq;fs;. nghhpj;jy;> tWj;jy; Nghd;w Kiwfisj; jtph;j;J mtpj;jy;> ntJg;gy; KiwfspYs;s czTtiffis cl; nfhs;Sq;fs;. mjpf kpd;dOj;jk; nry; yf;$ba ,lq;fspd; mUNf tPLfis thq;fhjPh;fs;. md;whlk; gad;ghl;by; kpd;dZr; rhjdq;fisf; Fiwf;f Kaw;rp nra;Aq;fs;. RUf;fkhf jkpohpd; ghuk;ghpa tho;f;ifKiwjhd; rpwe;jJ. Life Style... Life Style! tho;f tsKld;! ,uTj; J}f;fk; ,dpNj jOtl;Lk;! ,d;gk; vd;Wk; vkf;Nf cz;lhfl;Lk;! epj;jk; epj;jk; khWtJ vj;jidNah...
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Nfhukhd thia jpwe;J fhj;jpUf;F
“vapl;]; mRud;” brk;gH Kjyhk; jpfjp cyf va
fle;j ,Ugj;jpMW tUlq;fspy; ,Ugj;J vl;L kpy;ypad; capHfis gyp vLj;j Neha; jhd; ,e;j vapl;];. ,dk;> kjk;> ehL> ghy; vd;W ve;jtpj jaT jhl;rzp aKk; ,d;wp capHFbf;Fk; xU nfhba Neha; ,e;j vapl;];. tUq;fhyj;jpy; ,d;dKk; gy Nfhb capHfis gyp vLg;gjw;fhf jdJ Nfhukhd thia jpwe;J itj;jpUf;fpd;wJ ,e;j vapl;];.
,e;j Nehapy; ,Ue;J tpLjiy mila ,Jtiu ve;j kUj;JtKk; fz;Lgpbf;- fg;gltpy;iy. brk;gH Kjyhk; jpfjp cyf vapl;]; jpdkhf nfhz;lhlg;gL fpd;wJ.
Mq;fpyj;jpy; AIDS vd;W RUf;fkhf miof;fg;gLfpd;w ,e;j Nehapd; KOik ahd ngaH Acquired Immunodeficiency Syndrome vd;ghjhFk;. ,e;j vapl;];> Neha; cs;stHfspd; capiu kl;Lk; Fbf;fhJ. kw;wtHfspd; capiuAk; Fbf;ff; $ba nfhba Neha; ,J. ,e;j Neha; cs;stHfs; xU jw;nfhiy Fz;L jhup Nghy; miye;J nfhz;bUf;fpd;w dH vd;Wk; nrhy;yyhk;. ,tHfsplk; ,Ue;J ehk; jhd; vk;ik fhg;ghw;wpf; nfhs;sNtz;Lk;.
,e;j Neha;Ff;F fhuzkhf ,Ug;gJ HIVvd;fpd;w iturhFk;. ,J ,aw;if apy; cUthfpajh? ,y;iy nraw;if ahf mnkupf;f csTj;Jiwahy; iurpah Tf;F vjpuhf cUthf;fg;gl;ljh? vd;- fpd;w tpthjKk;> re;NjfKk; ,d;W tiu njhlHfpd;wJ. vJ vg;gb ,Ug;gpDk; mJ ,d;W mnkupf;fhitAk; ghjpj;Js;sJ.
mnkupf;fhtpy; 70>000 NgH ,e;j HIV fpUkpahy; ghjpg;gile;Js;sdH. mij tpl Nkhrkhd epiyik vd;d ntd;why; mnkupf;fhtpy; ,e;j Nehahy; ghjpf;fg; gl;ltHfspy; %d;wpy; xUtH ,e;j Neh- ahy; jhd; ghjpf;fg;gl;Ls;Nsd; vd;gij mwpahky; ,Uf;fpd;wdH. NtW rpy ehLfspy; gj;jpy; VO NgH jkf;F ,e;j ituR te;Js;sij mwpahky; ,Uf;fpd; wdH. ePq;fs; $l ,e;j Nehahy; ghjpf;- fg;gl;L ,Uf;fyhk;.
2006k; Mz;L UNAIDS mwpf;ifapd; gb Mrpahtpy; gy kpy;ypad; kf;fs; HIV ahy; ghjpf;fg;gl;Ls;sdH vd;W mwpa te;Js;sJ. ,J ekf;F xU vr;rupf;if. ghJfhg;G mw;w ghypay; njhlHGfshy; ,e;j Nehahy; ghjpf;fg;gl;l gy jkpoH fs; fdlhtpYk;> ,yq;ifapYk; kuzk; mile;Jk; cs;sdH. ,tHfspd; kidtp fSf;Fk; ,e;j Neha; Vw;gl;Ls;sJ.
INuhg;gpa a+dpadpy; 760>000 kf;fSf;F ,e;j HIV fpUkp njhw;W cs;sJ. INuhg;gh> kw;Wk; kj;jpa Mrpahtpy; 2.4 kpy;ypad; kf;fSf;F ,e;j HIV njhw;W cs;sJ.
ghJfhg;gw;w ghypay; cwTfs; (Vaginal, Anal, and Oral sex), xUtH ghtpj;j Crpia kw;wtHfs; ghtpg;gJ (Nghij kUe;J ghtpg;gtHfs; ngUk;ghYk; ,ij nra;fpd;wdH)> njhw;W ePf;fk; nra;ag;- glhj Crpfis kUj;Jt epiyaq;fspy; ghtpg;gJ> ,e; Neha; cs;stHfspd; ,uj;jk; ekJ fhag;gl;l ,lq;fspy; gL
tJ> my;y Nghd;w f ekf;F t Nehahy; ghiy F ,e;j Neh
mNj rka re;Njhrkh ghtpj;j k ghtpg;gjhN Otpf;nfhs gfpHe;J n igia> f jhy; ,e;j vd;W cW
ve;j rka mw;w ghy ,Ue;jhNy tplq;fspy nfhz;L bahf cq cs;shf;F ghJfhg;gh
cq;fSf;F vd;W ePq nra;J n ,ufrpakh NtW xUt

ukhd thia jpwe;J fhj;jpUf;Fk;
“vapl;]; mRud;”
jha;tPL • brk;gH 2007
hk; jpfjp cyf vapl;]; jpdk;
fapd; gb s; HIV ;W mwpa r;rupf;if. HGfshy; y jkpoH k; kuzk; ; kidtp ;sJ.
f;fSf;F cs;sJ. htpy; 2.4 njhw;W
; (Vaginal, ghtpj;j (Nghij k; ,ij nra;ag;- aq;fspy; tHfspd; spy; gL
tJ> my;yJ ekJ clypy; Vw;wg;gLtJ Nghd;w fhuzq;fshYk; ,e;j Neha; ekf;F tuyhk;. mJ kl;Lky;y ,e;j Nehahy; ghjpf;fg;gl;l jhapd; Kiyg; ghiy Fbg;gjhYk; xU Foe;ijf;F ,e;j Neha; tuyhk;.
mNj rkak; xUtupd; ifiag; gpbj;J re;Njhrkhf FYf;FtjhNyh> xUtH ghtpj;j kyry $lj;ij ,d;ndhUtH ghtpg;gjhNyh> xUtiu xUtH Muj;j- Otpf;nfhs;stjhNyh> ePHr;ry; Fsj;ij gfpHe;J nfhs;tjhNyh> rhg;ghl;Lf; Nfhg; igia> fuz;bia gfpHe;J nfhs;st jhy; ,e;j vapl;]; Neha; gutkhl;lhJ vd;W cWjpg;gLj;jg;gl;Ls;sJ.
ve;j rkaj;jpy; MtJ ePq;fs; ghJfhg;G mw;w ghypay; njhlHig Nkw;nfhz;L ,Ue;jhNyh> my;yJ NkNy ehk; $wpa tplq;fspy; VjhtJ xd;NwhL njhlHG nfhz;L ,Ue;jhYk; ePq;fs; cld- bahf cq;fis kUj;Jt guprPyidf;F cs;shf;FtJ ey;yJ. cq;fs; capiu ghJfhg;ghjw;F ,J Kf;fpakhdJ.
cq;fSf;F HIV fpUkp njhw;W cs;sjh vd;W ePq;fs; fdlhtpy; gupNrhjid nra;J nfhs;s KbAk;. ,e;j tplak; ,ufrpakhf ,Uf;Fk;. cq;fisj; jtpu NtW xUtUf;Fk; ,J njupahJ. mtu;
fs; njupag;gLj;jTk; khl;lhu;fs;. ePq;fs; tpUk;gpdhy; gpd;tUk; VjhtJxU njhiy Ngrp ,yf;fj;Jld; njhlHG nfhz;L cq;fis gupNrhjiz nra;J nfhs;- syhk;.
Anonymous HIV Testing Sites in Tronto
*Public Health 416-338-7600 *Anishnawbe Health Toronto416-360-0486 *Bay Centre for Birth Control,
Women’s College Hospital 416-351-3700 *Birth Control & Venereal
Disease Information Centre 416-789-4541 *Central Toronto Community *Health Centres 416-703-8482 *Centre francophone de
Toronto 416-922-2672 *Hassle Free Clinic -
Women’s clinic 416-922-0566 *Hassle Free Clinic -
Men’s clinic 416-922-0603 *Rexdale Community
Health Centre 416-744-0066
- rpth Rg;uh -





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khq;fpspAk; kuk; nfhj;jpAk
jpU kNfrd;
fdlhtpy; Fspu; thl;b vLf;fj; njhlq; fptpl;lJ. vOe;J ad;dy; Clhf ntsp Na ghu;f;Fk;NghJ> jiyNa tpiwg; ngLj;JtpLfpwJ. Frozen chicken Nghy; ,dp tpiwj;Jg;Ngha;> tPl;bDs; mile;J fplf;f Ntz;baJjhdh vd;W vz;zj; Njhd;Wfpwjh? rup> fdlhit tpLNthk;. CUf;Fg;Ngha; tuyhk; vd;why; NubNah> njhiyf;fhl;rp vy;yhk; Breaking News vd;W Fz;L ntbg;igr; nrhy;yp - fhl;b> Fuy;tisia eRf;Ffpd;wd. NghdKiw Cu;NghdNghJ cLg;ngy;yhk; ms;spf; fl;bf;nfhz;L te;J fdlhtpy; nfhl;b tpl cjtpa No Limit ,d; Limit INa Fz;L nfhz;LNgha;tpl;lJ. nfhOk;gp;y fhy; itf;fKd; ghjp capu; Ngha;tpLk;. nfhOk;gpy; cs;Ns Nghf kpr;rk; nrhr;rk; ,Ue;jJk; Ngha;tpLk;. rup> nfhOk;Gf;Fj;jhd; Ngha;l;lk; vd;W ghu;j;jhYk;> IiaNah> jpUk;gTk; gpNwf;fpq; epA+]; - tTdpahTf;Fg; Nghd aho;Njtp ,dp mEuhjGuj;Njhl rupahk;. mEuhjGuj;jpy; ,wq;fp> g];gpbj;Jg; NghfNtZkhk;. rdpg; ngau;r;rp> FUg; ngau;r;rp vy;yhk; xz;lha;f; $b epz;L Fk;khsk; NghLJ! kz;iliar; nrhwpe; Jnfhz;L ,Ue;j Ntisapy;jhd; te;J tpOe;jJ ghl;nlhd;W NubNahtpiy... “flypd; mf;fu NghNdhNu fhzhg; nghd;dpyk; NghNdhNu Ngha;tUk;NghJ vd;d nfhz;LtUk;...”. kz;ilapy gf; nfd;W mg;gj;jhd; iyw; vupe;jJ. ,Uf ;fNt ,Uf;fpwJ mofpa ePsf;$e;jy; mofpfs; vk;ik eldkhb tuNtw;Fk; Nfush! thUq;fs; Nfush NghNthk;!
Nfush vd;wTld; ehf;fpy;  G+f;fs; G+j;Jf; FYq;Fk;> gl;rpfs; ehjkpLk;. Nfus kz;zpd; kfpikia kiyahs Nrr;rpf- spd; nfhQ;Rk; jkpopy; topfhl;Lk;NghJ Nfl;fth Ntz;Lk;!
nfhr;rpd; tpkhd epiyaj;jpy; fhy; itj;jTlNdNa ekf;F xU Boost nfhLj;JJNghy; kdjpy; xU kfpo;r;rpg; gputhfk; njhw;wpf;nfhs;fpwJ. fzPnudf; fhjpy; te;JtpLk; kiyahsf; nfhQ;Rk; nkhop ekf;F xU Gj;Jzu;itf; nfhLf;fpwJ. cy;yhrg; gazj;Jiw apy;> xU Gul;rpfukhd Kiw Nfush tpy; ifahsg;gLfpwJ. tUk; ve;j ehl;L cy;yhrg; gpuahzpahf ,Ue;jh-
Yk; rup> mtu;fis tpkhd epiyaj;jpy; Kfk; kyu ‘ek];fhuk; Rthfjk;’ (Hello, Welcome) vd;W tuNtw;gjw;fhf>
jkJ Njrpa cil jupj;j kiyahs kq;iffs;> ekJ tpkhdk; jiu ,wq;fpaTld; tpkhd thrw;gb mUNf fhj;jpUf;fpwhu;fs;. kiyahsk; kl;L ky;y> rfy ehl;Lg; nkhopfisAk; ruskhfg; Ngrp vk;ikj; jpf;FKf;fhl itf;fpwhu;fs; Nfus khepy cy;yhrg; gazj;Jiwapdu;. jkJ tUkhdj;jpy; ngUksit cy;yhrg; gazj; Jiwap NyNa ,tu;fs; ms;spf; Ftpf;fpwhu;fs;. mjw;fhf kpfTk; gupTlDk;> ghrj;J lDk; cy;yhrg; gpuahzpfs; tuNtw;fg; gLfpd;wdu;.
“It is a Purified world” vd;W tpQ;Qhdp fshy; gupe;Jiuf;fg;gLfpd;wJ. ePz;L- au;e;j kuq;fs; fhw;iwj; J}a;ik nra;J Fspu;rhjdk; ,aq;FtJ Nghy; ,aw;ifahd Fspu;r;rpia ms;sp toq;- FfpwJ. 41 MWfs; Nfushtpy; FWf;fWj;- Jr; nry;fpwJ vd;why; ,aw;ifr; nry;- tj;ijr; nrhy;yth Ntz;Lk;! Nfush thdJ ,e;jpahtpd; 25 tPjkhd mupa jhtu tiffspy; 15>000 ku tiff- isf; nfhz;Ls;s khepykhFk;. Njf;F> re;jdk;> Rose wood, kN`hfdp Nghd;w tpiykjpf;f Kbahj kuq;fs; ,q;Nf ru;t rhjhuzkhff; fhzg;gLfpd;wd. 40>000Mz;LfSf;F Ke;jpa ku tif fs; Vuhsk; cz;L. khkuq;fspd; tif
fisAk;> mjpy;> nfhj;Jf; nfhj;jhfj; njhq;Fk; khk;goq;fisAk; ghu;f;Fk; NghJ> aho;g;ghzj;J kz;zpd; thrid J}f;fpabf;fpwJ. njd;id kuj;J moiff; fz;L ek; fz;fspy; fz;zPu; tUfpwJ.
Nfushtpd; rupj;jpuj;ijg; gw;wpr; nrhy;Yk; NghJ> ,J Mz;ltdhy; gilf;fg;gl;- lJ vd;w IjpfNk epyTfpwJ. kfh tp\;Z> kiyapd; cr;rpapy; ,Ue;J jdJ Nfhlupahy;; flypy; ntl;bajhf Tk; mg;gb ntl;lg;gl;L> ngwg;gl;l Jz;Lg; gpuNjrNk Nfushthf Mdjh fTk; fijfs; nrhy;yg;gLfpd;wd. Nfush 560fp.kP. ePs mstpyhd gpuNjrkhFk;. mfo;thuha;r;rp epGzu;fspd; fUj;Jg;gb> Nfushtpd; Kjy; Fbkf;fs; Ntl;il ahb tho;f;if elj;jpa Negrito goq;-
Fbfshtu;. ,tu;fspd; gof;f tof;fq; fs; mT];jpNuypahtpy; thOk; goq;Fb kf;fis xj;jjhff; fhzg;gLfpd;wJ.
Nghj;Jf;f khu;f;fkhf
Fj;jtu; t fspd; t kjk; Nfu Kjypy; eh Guj;jpypUe GuNk Nfu
jpUtde;j place of ,jdhy;jh
Rthkp M mde;j r jpUf;Fk; , ghf fz nrd;Nwhk cyfpd; fSk; K “gj;kehjR vd;gJjhd rpwe;j ‘gpurd;dk cUl;b gy apd; %yN kpfg; Gfo cUthfpa ,e;j My tUk;NghJ cUthfpa fpwJ. rq gpufhrkhf ftu;fpwJ. Beach ft wJ. [dh Nghd;w kdjpy; m
jpUtde;j tpy; ,Uf life Sanctu fp.kP. gug;g td fhg;g tPo;r;rpAk; Nru;f;fpwJ Gypfs; $ mikg;gpy tpyq;Ff; tpy; 197 gz;iz
- c

hq;fpspAk; kuk; nfhj;jpAk;
- 55 -
iyahs ; jiu mUNf k; kl;L pfisAk; ;FKf;fhl cy;yhrg; khdj;jpy; ; Jiwap ;fpwhu;fs;. ghrj;J uNtw;fg;
tpQ;Qhdp . ePz;L- J}a;ik J Nghy; ;sp toq;- Wf;fWj;- fr; nry;- ;! Nfush d mupa tiff- ;. Njf;F> p Nghd;w ; ,q;Nf Lfpd;wd. u tif pd; tif
fhj;jhfj; ghu;f;Fk; ; thrid kuj;J ; fz;zPu;
nrhy;Yk; lf;fg;gl;- J. kfh ; ,Ue;J l;bajhf ngwg;gl;l Mdjh . Nfush jrkhFk;. Uj;Jg;gb> Ntl;il ito goq;-
tof;fq; ; goq;Fb Lfpd;wJ.
Nghj;Jf;fPru;fs; INuhg;ghtpypUe;J fly; khu;f;fkhf Nfushit mila topt-
Fj;jtu; th];nfhlfhkh vd;gtu;;. ,tu; fspd; tuitj; njhlu;e;J> fpwp];jt kjk; Nfushtpy; gutj; njhlq;fpaJ. Kjypy; ehk; ekJ gazj;ij jpUtde;j- Guj;jpypUe;J Muk;gpg;Nghk;. jpUtde;j GuNk Nfushtpd; jiyefukhFk;.
jpUtde;jGuk; vd;gjd; mu;j;jk; The place of the Sacred serpent vd;gNj. ,jdhy;jhd; ,q;Nf Gfo;G+j;j gj;kehg
Rthkp Myak; fz;fisf; ftu;fpwJ. mde;j radj;jpy; MjpNfrtd; mku;e; jpUf;Fk; ,t;tofpa Myak; tuyhW rhu;- ghf fzpf;fg;gtpy;iy. ‘jpUtde;jGuk; nrd;Nwhk;’ vd;W ahuhtJ nrhd;dhy; cyfpd; ve;jg; gFjpapy; ,Ug;gtu; fSk; Kjypy; Nfl;Fk; Nfs;tp> “gj;kehjRthkp Nfhtpy; NghdPu;fsh?” vd;gJjhd;. ght gupfhuq;fSf;F kpfr; rpwe;j Myakhf tpsq;FtNjhL> ‘gpurd;dk;’ vd;W nrhy;yg;gLk; Nrhsp cUl;b gyd; ghu;f;Fk; Nrhjplf; fiiy apd; %yNk ,t;thyak;jhd;. cyfpd; kpfg; Gfo;ngw;w N[hjpl tpw;gd;du;fs; cUthfpapUg;gJ NfushtpNyahFk;. ,e;j Myaj;jpDs; GFe;J ntspapy; tUk;NghJ> clypy; xU Gjpa capu; cUthfpapUg;gJNghd;w czu;T Vw;gL fpwJ. rq;F Kfk; flw;fiu ,q;Nf gpufhrkhf cy;yhrg; gazpfisf; ftu;fpwJ. ,it kl;Lkd;wp> Varkala Beach ftu;r;rpf;Ff; Fiwtpd;wp ,Uf;fpd; wJ. [dhu;j;jd Rthkp Myak;> rptfpup Nghd;w Myaq;fSk; gf;ju;fSf;F kdjpy; mikjp nfhLf;fpd;wd.
jpUtde;jGuj;jpypUe;J 29fp.kP. njhiy tpy; ,Uf;Fk; ehau; mizf;fl;L> Wild life Sanctuary Nehf;fp efu;fpd;Nwhk;. 25 fp.kP. gug;gstpy; mike;jpUf;fpwJ ,e;j td fhg;gfk;. mf];jpa kiyAk;> ePu; tPo;r;rpAk; ,e;j td fhg;gfj;jpw;F moF Nru;f;fpwJ. ahid> fub> rpq;fk; Vd; Gypfs; $l cz;L. Lion Safari Park mikg;gpy; mike;jpUf;Fk; ,e;j td tpyq;Ff; fhg;gfj;jpy;> 4 Vf;fu; gug;gs- tpy; 1977Mk; Mz;L Kjiyfs; gz;iz xd;Wk; cUthf;fg;gl;Ls;sJ.
Nfus cy;yhrg; gazj; Jiwapdupd; cjtpAld; ehk; Boat ,y; cq;fis
mioj;Jr; nrd;W kpf mUfpy; td tpyq;F Kjy;> Kjiy tiu fz;L fspf;Fk; ghf;fpaj;ij Vw;gLj;jpj; jUfpd; Nwhk;. midj;J capupdq;fSNk ve;j tpj fl;Lg;ghLkpd;wp> gfpuq;fkhfNt Rw;wpj;jpuptjdhy;> vk;ik kpFe;j ghJfhg;NghLjhd; mioj;Jr; nry; fpd;whu;fs;. ,Nj Boat ,NyNa vk;ik ehau; mizf;fl;Lf;Fr; rkPgkhff; nfhz;Lnrd;W fhl;Ltjhy;> ahidfs; ePupy; Fspj;J kfpOk; fhl;rpia ntF mUfpy; ,Ue;J ek;khy; ghu;f;f Kb fpwJ. rfy tajpdiuAk; ,g;gpuNjrk; ftu;e;jpOf;Fk;.
jpUtde;jGuj;jpypUe;J 16 fp.kP. njhiy tpy; ek;ik jpf;FKf;fhl itf;Fk; Nfhtsk; flw;fiuahdJ “Paradise of the south” vd;W gyuhYk; tpgupf;fg; gLfpwJ. Nfhtsk; N`hl;lypy; ek;ik> ahidAlDk; ,ir ghly;fSlDk; tu- Ntw;fpwhu;fs; Nfusg; ngz; Fl;bfs;. ekf;F Nfhtsj;jpd; mUik> ngUik fis 4 Nguhfg; gpupj;J tpsf;Ffpwhu; fs;. mofpa jkpopy;> ek;iktpl mofhf mtu;fspy; gyu; Nfhtsj;ij tpgupf;Fk; ghzp vk;ikg; Gy;yupf;f itf;fpwJ. 30tU lj;jpw;F Kd;du; Nfhtsk; “`pg;gp”fspd; cy;yhrGupahf ,Ue;jJ. Nfhtsk; vd;gjd; fUj;J “Grove of coconut trees” vd;gjhFk;. mlu;e;J nropj;J epw;Fk; njd;id kuq;fspd; Clhf fhypy; nrUg;gpd;wp> ehYKo Ntl;bAld; xU eil elf;Fk;NghJ> ‘Mfh> te;Jtpl;lJ ekJ kz;zpd; mNj thrid. vk;NkhL te;j gyUk; fz;fspy; ePu; ky;f ‘Cupiy ele;jJ khjpup ,Uf;fy;Nyh’ vd;W vkf;Fr; nrhd;dNghJ vd; kdKk; fdj;jJ. mjpYk; vk;ik ,e;jj; njd;id kuj;jpYk; ,Uj;jp cldbahf ,wf;fpa ,sePu; gUff; nfhLj;jNghJ> vk;ik kwe;Njhk;. gdq;fs;Sg; gpupau;f Sf;F Gj;jk; Gjpa njd;dq; fs;is fhiyapNy nfhz;Lte;J toq;fp> F\pg;gLj;JtNjhL> ngupa why;> ez;L> kPd; Nghd;w flYzT tiffisAk; flw;fiuNahuj;jpy; ,Ue;J toq;fp> ,d;dKk; fspg;G+l;Ljiyf; $l;Lfpd;whu; fs;. “jk;gp> ,J fNrhupdh gPr;ir mbr;rpl;Ljlh” vd;W nrhd;d Kjpatu;; fs; gyu; ,d;dKk; Nfhtsj;jpw;F tUlhtUlk; nrd;W tUfpd;whu;fs;. 100 kPw;wu; J}uj;jpw;F ePq;fs; njspthd jz;zPupy; fly; capupdq;fisg; ghu;f;ff;$bajhf ele;Jnry;y KbAk;. gy fyhr;rhug; gpd;dzp nfhz;ltu; fSk; ,q;Nf ve;jtpj gaKkpd;wp cyhtpj; jpuptijg; ghu;f;f KbfpwJ. nkhj;jj;jpy; “khq;fdpAk; kuq;nfhj;jp Ak; tPL jpUk;gj; jilapy;y. ehq;f kl;Lk; cyfj;jpy ehL jpUk;g Kbay;y” vd;wtu;fs; Nfhtsk; nrd;W me;j ek; kz;zpd; rhaiy rw;W mDgtpj;J tuyhk;!
- cy;yhrg; gazf; fl;Liu -





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jha;tPL • brk;gH 2007
fjT vd;gJ xt;nthU fl;blj;jpw;Fk; xU ,d;wpaikahj> kpfTk; mj;jpahtrp akhd> kWf;f Kbahj ghJfhg;ghFk;. fw;fhy kdpjd; Fiffspy; tho;e;j fhyq;fspy;> mtDf;F fjtpd; Kf;fpaj; Jtj;ijg;gw;wp njupe;jpUf;f Ntz;ba mtrpak; ,Uf;ftpy;iy. Mdhy; fhyg; Nghf;fpy; ehfupfk; Kw;wpaNghJ> ghJ fhg;G czu;Tk; kdpjid tpl;L mfy kWf;f> fl;llk; vd;w xd;W ,Ue;jhy;> fjntd;w xd;W ,y;yhky; ,y;iy vd; gij mtd; njspthfg; Gupe;J nfhz; lhd;. tpjtpjkhd fjTfis> msTfis> tbtikg;Gf;fisf; fz;Lgpbj;jhd;. ,d;W xU tPl;Lf;F Kjy; ghu;itNa fjtpy; jhd; gLk; vd;gJk; xU kWf;f Kbahj cz;ik. fjTfspy; gytpj khd mikg;Gf;fs; cs;sd> vdpDk; mtw;iw ,uz;L ngUk; gpupTfspd; fPo; tupirg; gLj;jyhk;.
1. cl;fjT 2. ntspf;fjT ,U fjTfSk; mikf;fg;gl;Ls;s (mjh tJ> fjTfspd; ntspj;Njhw;wk;) ekf;F Kf;fpaky;y. Mdhy;> cs;> ntspf; fjTfs; mike;jpUf;Fk; my;yJ G+l;lg; gl;bUf;Fk; Kiwfs; jhd; ekJ fz;Nzhl;lj;jpw;F kpf Kf;fpakhdit. fjTfisg; gjpf;Fk; tpjk;> jhq;fpfspd;; mikg;Gf;fs; Nghd;w tw;iw rw;W tpku;rpg;Nghk;;
fjTfs; gytpjk;
lj;jpd; xt gy tpj g mikf;fg tPLfspy; kiwe;jpU mfw;wg;gl wg;gl;L> kl;LNk tbtikf ,f;fjTfs cWjpahd mikg;Gf;f miwf;F
ahJ. gh ,d;dJ , ,it czu;it jpy;> vt;t ];jpug;gLj trpf;Fk; Mdhy; n jsq;fs;> nghUj;jg kw;Wk; ,j ntspg;Gwf ahd kur ikf;fg; jpizf;fs ,Uf;Fk;.
fjTfspd nfhz;Lk gLj;jyhk nfhOf;fpf nghUj;jg ghYk; , $bajhf gl;bUf;Fk Nehf;fpAk Ak; js mike;Js fs; kbj;J mj;Jld; tpj gyt tbtikf $ba fz ,Uk;ghy; ghuk; kpfT Nghd;wtw yhk;.
[d;dy;fi fl;bl m ngUk;gq;i mNj rka ahd mo fjtpd; , Ak; mji ijg; ng $bajhf NyNa m fl;blj;jpw nfhzuyh ghJfhg;G vd;w gjj jg;gpy;iy kpjk; jhd
ntspf;fjT vdg;gLtJ fl;blj;jpd; cs;Ns ,Ue;J ntspg;Gwj;ij Nehf;fpj; js;spj; jpwf;fg; gLtjhFk;. ,f; fjT fs; ngUk;ghYk; rpd;dr;rpd;d ,ilA+W fs;> J}R> Mgj;jhd capupdq;fs;> [Ptuh rpfs; tbtj;jpy; tPl;bd; cl;Gwj;jpid jhf;fhjthW my;yJ> EioahjthW mikf;fg; gl;bUf;Fk;. ntspf;fjtpd; xU caupa ghJfhg;Gr; Nrit ,Jthk;. ,k;khjpup ntspf; fjTfs;> mstpy; kpfTk; gUkdhfTk;> cWjpahfTk; nra;ag; gl;bUf;Fk;. fhuzk;> ntspg;Gwf; fjT fs; ve;j xU fLikahd rpijTfs;> ghjpg;Gf;fs;> mopTfs;> Nghd;wit ntspapypUe;J tPl;bd; cl;Gwj;ijj; jhf;fhjthW ghJfhg;G toq;fNt ,e;j Vw;ghL. ,k;khjpup ntspf;fjTfisg; nghUj;jpapUf;Fk; xU je;jpuj;jpd; %yk;> ,f;fjTfs; ,yFtpy; jpwf;fg;glf; KbahjitahfNth rl;nld;W jpUlu; fs; Kjyhdtu;fs; cs; Eioa Kbah jgbNah mikf;fyhk;. mJ ,k;khjpup fjTfspd; jdpj;jd;ikAk; kpFe;j ghJfhg;Gk; MFk;. “Dutch” fjT vd;W nrhy;yg;gLk; fjthdJ> Xupuz;L rpwg;G mk;rq;fisf; nfhz;bUf;Fk;. ,e;j “Dutch” fjTfspy;> NkYk; xU rpW fjT> rpwpa [d;dy; tbtpy; fjtpd; fPo;g;Gwj;jpy; mikf;fg;gl;bUf;Fk;. rpy rkaq;fspy;> tPl;by; ehk; nry;yg; gpuhzpfis tsu;g;gtu;fshf ,Ue;jhy;> cjhuzj;jpw;F eha;> G+id Nghd;wit jk; ,];lj;jpw;F> ,r;rpW fjtpd; ntsp- Na cyh nrd;W tUtijf; fhzyhk;. mJ xUtpj trjpAk; $l.
cl;fjTfspd; jdpj;jd;ikahtd vd;d? cl;fjTfs; tPl;bd; my;yJ xU fl;b
kQ;Rsh uh[ypq;fk;
Law Office T. JEGATHEESAN (Barrister, Solicitor and Notary Public (on)
cq;fs; rl;lg; gpur;rpid vJthfpYk; jkpopYk; Mq;fpyj;jpYk; MNyhridfSf;Fk; jp. rl;l n[fjPrd;
eltbf;iffSf;Fk; njhlu;G nfhs;Sq;fs;.
(Barrister, Solicitor and Notary Public (on)
Off:
416 • 266 • 6154 Res: 416 • 449 • 0358 Fax: 416 • 266 • 4677
2620 Eglinton Ave., East # 201 Scarborough. ON M1K 2S3

- fjTfs; gytpjk;
57 -
l;blj;jpd; Nehf;fpj; f; fjT ,ilA+W s;> [Ptuh wj;jpid ahjthW pf;fjtpd; ,Jthk;. mstpy; k; nra;ag; wf; fjT pijTfs;> hd;wit ;Gwj;ijj; Nt ,e;j Tfisg; pd; %yk;> f;fg;glf; jpUlu; a Kbah ,k;khjpup kpFe;j T vd;W ;L rpwg;G ;. ,e;j xU rpW ; fjtpd; ;Fk;. rpy nry;yg; Ue;jhy;> ghd;wit pd; ntsp- hzyhk;.
d vd;d? xU fl;b
lj;jpd; xt;nthU miwfisAk; my;yJ
MdhYk; fjtpd; nghUj;jj;jpy; ePq;fs; gy tpj gFjpfisAk; gpupf;Fkhw; Nghy;
Nkd;ikahfg; ghuhl;l Ntz;ba Kf;fpa mikf;fg;gl;bUf;Fk;. nrhe;j> jdpg;gl;l
gFjp vJ njupAkh? fjTfis kur; tPLfspy; cs;s fjTfs; jk;Ks;Ns
rl;lj;Jld; ,izj;jpUf;Fk; gpizr;ry; kiwe;jpUf;Fk; kuj;jpd; ngUk;gFjp
fs;jhd;. ePq;fs; vg;NghJ ,ijg;gw;wp mfw;wg;gl;L> cl;jpzpTfs; ntspNaw;-
ftiyg; gl;bUg;gPu;fs; mit fwy; wg;gl;L> ntWk; ghukw;w gyiffis
gpbj;J> fjWk; NghJ> mJ cq;fs; kl;LNk ,Wjpapy; jkf;Fs; nrYj;jp
rpe;jidia ClWj;Jr; nrd;wpUf;Fk;. tbtikf;fg; gl;litahf ,Uf;Fk;.
Mitfspd; fpwPr;rpLk; rj;jk; cq;fs; ,f;fjTfs; ntspg;Gwf; fjTfisg; Nghy
fhJfSf;F  miwf;F miw ve;j ghJfhg;GNk fpil
,e;jr; rj;jk; epue;jukha; epd;W tplhJ. Jujp];utrkhf> fjtpd; gpizg;Gf;fs; JUg;gpbj;J> fhyg;Nghf;fpy; gOjile;J nfhz;L Nghtijj; jLf;f KbahJ. mtw;wpd; ,ay;G mg;gbj;jhd;. mjdh- NyNa fpwPr;rpl;l rj;jKk;> ,izg;Ng cile;J tpOkhw; Nghd;w rj;jKk; Nghfg; Nghf mjpfupj;Jf; nfhz;Nl NghFk;. mtw;wpd; ciof;Fk; fhyk; mt;tsT jhd;. VNdhjhNdh vd;W jk; Ntiyiar; nra;Ak;.
xUrpy gpizg;Gf;fs; jhd; gOjile; jpUe;jhYk;> ePq;fs; moFk; nghUj;j Kk; ghu;f;Fk; gl;rj;jpy;> vy;yhf; fjTfspd; gpizg;Gf;fisAk; nkhj;j khf khw;wp tpLtNj ey;yJ. mj;Jld; xd;wpypUe;J xd;W tpj;jpahrkhf ,Ue;jhy;> ghu;f;f nghUj;jkpd;wp ,Ug; gijtpl> vy;yhk; xNu mstpy;> tbtpy; ahJ. ghu;f;f mofhf> miwfis>
,Ue;jhy;> ghu;f;f fz;fSf;F mofhf ,d;dJ ,d;dnjd;W gpupj;Jf; fhl;Lk;.
,Uf;Fk;. ,it kdj;Jf;F gpuj;jpNafkhd> czu;itj; jUtdNtad;wp> ghJfhg;g-
$basT tpw;gidf;F cs;s fjTfs;> jpy;> vt;tpj nraw;ghLfspYk; jk;ik
khl;lf;$ba khjpup gpizg;Gf;fisg; ];jpug;gLj;jpf; nfhs;tjpy;iy. ,it
nghUj;jpNa tpw;gidf;F itf;fg; trpf;Fk; tPLfSf;Fg; nghUe;Jk;.
gl;bUf;Fk;. ,it ngUk;ghYk; vy;yh w Office
Mdhy; ngupa mYtyfq;fs;> Ntiyj;
tPl;Lf; fjTfSf;Fk; g+l;lf;$bajhf jsq;fs;> Nghd;wtw;wpy; ,e;j ,lj;jpy;
,Uf;Fk;. vdpDk; ePq;fs; cq;fs; nghUj;jg;gLk; fjTfs; ghJfhg;G>
tPl;Lf; fjT nghUj;Jk; ,lj;ij khw;wp kw;Wk; ,ju trjpfisf; fUj;jpy;nfhz;L>
tbtikj;jpUe;jhy;> ,q;Fthq;fg; gl;l ntspg;Gwf; fjTfisg; Nghd;w cWjp
it cq;fs; tPl;Lj; jw;Nghija khw; ahd kur; rl;lq;fspdhy;> nghUj;jpa
wj;Jf;Fg; nghUe;jf; $bajh vd;gij HEESAN
ikf;fg; gl;bUg;gij ngUk;ghYk;
cWjpg; gLj;jpf; nfhs;Sq;fs;. gpizg; jpizf;fsq;fspy; fhzf; $bajhf
Gf;fisg; nghUj;Jk; Xl;ilfisg; ,Uf;Fk;.
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ey;yJ. ,jpy; cs;s xU ey;y tplak; nfhz;Lk;> fjTfis tpjtpjkhfg; ghF
vd;dntdpy; ,e;j gpizg;Gf;fisf; gLj;jyhk;. ngUk;ghyhd fjTfs;
fjTfspd; msTf;Nfw;whw; Nghy; efu;j;jp nfhOf;fpfspd; cjtpiaf; nfhz;L
rup gz;zp> nghUe;jr; nra;ayhk;. nghUj;jg; gl;bUe;jhYk;> ,it ngUk; ghYk; ,UGwk; Nehf;fpAk; jpwf;ff;
,e;jg; gpizg;Gf;fspy; ngUk;ghYk; $bajhf rpy ,lq;fspy; mikf;fg;
,uz;L my;yJ %d;W Xl;ilfs; jhd; gl;bUf;Fk; mjhtJ> cs;spUe;J ntsp
,Uf;Fk;. ve;j tbtj;ij ePq;fs; Nehf;fpAk;> ntspapypUe;J cl;Nehf;fp
tpUk;GfpwPu;fs; vd;gijg; nghWj;Jj; Ak; js;spj; jpwf;ff; $bajhf
jhd;> ,tw;iw ePq;fs; gad; gLj;Jk; mike;Js;s tpjk;. rpy tifahd fjT
tpjKk; ,Uf;Fk;. %d;W Xl;ilfs; fs; kbj;J G+l;lf; $bajhf ,Uf;Fk;.
nfhz;l gpizg;Gf;fisAila fjtp mj;Jld; ,k;khjpupf; fjTfshtd gy
id ePq;fs; khw;WfpwPu;fs; vd;why;> tpj gytpj mikg;Gf;fisf; nfhz;Lk;
ePq;fs; Kjypy; eL Xl;ilapy; Mzp tbtikf;fg; gl;bUf;Fk;. efu;j;jf;
iag; Nghl;Lg; gpizf;fNtz;Lk;. ,uz;lh $ba fz;zhbf; fjTfs;> ghukhd
tjhf> mbapy; cs;s Xl;ilapy; mLj;j ,Uk;ghy; Md ntspf;fjTfs;> kw;Wk;
Mzpiag; Nghl;L fjitg; nghUj;j ghuk; kpfTk; Fiwe;j kbf;Fk; fjTfs;
Ntz;Lk;. filrpahfj; jhd; Nky; Xl;il Nghd;wtw;iw cjhuzj;Jf;Ff; $w
apd; ,izg;igg; nghUj;j Ntz;Lk;. yhk;.
,ij mykhupfSf;Fupa fjTfspy; nghUj;Jk; nghOJk; ,e;j Kiwia [d;dy;fisg; Nghd;Nw> fjTfSk; xU
ePq;fs; gpd;gw;wyhk;. ,jd; %yk; fjT fl;bl mikg;gpy; xU Kf;fpakhd
rupNeuhf ,Ug;gJld; fjitr; Ryg ngUk;gq;if Mw;Wfpd;wd. Mdhy;
khfg; nghUj;jTk; KbAk;. ,uz;L k; d;
q;fs;.
mNj rkak;> fl;blj;jpw;F xU kpFjp
Xl;ilfisf; nfhz;l fjTfshf ,Ug; ahd moifAk; nfhLf;fpd;wd. xU
gpd;> ,e;j Ntiy rw;Wr; rpukj;ijf; fjtpd; ,lg; gpbg;igAk;> %yg;nghUis
nfhLf;ff; $Lk;. ,ij vg;gb ,yF Ak; mjidg; nghUe;jpapUf;Fk; ,lj;
thf;Ftnjd;why;> ,d;ndhUtupd; ijg; nghWj;J milahsk; fhzf;
cjtpia ,jpy; ehbdhy;> cq;fs; $bajhf ,Ue;jhYk;> fjit Kjyp
Ntiyg;gS kpfTk; ,yFthfp tpLk;. NyNa mofhfr; nra;tpg;gjd; %yk;>
xUtu; fjitg;gpbf;f kw;wtu; Mzpf fl;blj;jpw;Nf xU caupa moif ntspf;
is rupahd ,lj;jpy; khl;l Ntz;baJ # 201 h. ON K 2S3
nfhzuyhk;. mjhtJ> fjT vd;gJ
jhd;;. Ntz;Lkhdhy;> me;jf; fjit ghJfhg;G vd;w rl;lj;ij kPwp moF
vjpyhtJ rhu;e;J nfhs;sf;$ba khjpup vd;w gjj;ijAk; nfhz;L tUkhdhy;
mbapy; fdk; nfhLj;jPu;fshdhy;> jg;gpy;iy> NkYk; fl;blj;jpw;Nf ngU
cq;fSf;Fk; kpfTk; ,yFthf ,Uf;Fk;. kpjk; jhd;.





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1k; gf;fj; njhlHr;rp...
Fog;gepiy Vw;glhjpUg;gJ mnkupf;f muR vLf;Fk; epiyg;ghl;by;jhd; jq;fp As;sJ vd;W nru;gpah jug;G $wp As;sJ.
,J xU tifahd kpul;lyhFk;.
urpahtpd; MjuTld; ,Uf;Fk; nru;gpah jdf;F mUfpy; cs;s JUf;fp Kjyhd ehLfs; INuhg;gpa xd;wpaj;jpy; ,ize; Jtpl;l epiyapy; jdpikg;gLj;jg;gl;L epw;fpwJ.
mjd; cs;sq;iff;Fs; ,Uf;Fk; nrhNrhNthTk; gpupf;fg;gl;Ltpl;lhy; Nfhjp itf;fg;gl;l khq;fdpapd; epiyapy; nru;gpahtpd; epyg;gFjp ,Uf;Fk;. Rw;wp YKs;s ehLfs; midj;Jk; urpahTld; Kuz;gl;L epw;fpd;wd vd;gjidAk; ,q;F xg;G Nehf;fNtz;Lk;.
fle;j ,uz;L Mz;Lfshf ele;J te;j Ngr;R thuj;ij Kwpe;JNghd;J fle;j fpoikapy;jhd;.
Ngr;R thu;j;ij Kwpe;jgpd;du; ‘vkJ epyj;jpy; xU rpW mq;Fyj;ijAk; tpl;Lj;jukhl;Nlhk;’ vd;wJ nru;gpaj; jug;G.
‘ehq;fs; ,d;Dk; 100 Mz;LfSk; Ngr;rthu;j;ij elj;jj; jahu;. Mdhy; jdp ehL vd;w vq;fs; Nfhupf;ifapy;
Nel;Nlh nrayhsu; ehafj;Jld; nf ,Ue;J ,wq;fptukhl;Nlhk;’ vd;fpwJ nfhNrhNthj; jug;G. I.eh. jiyaPL:
1999,y; Iehtpd; fz;fhzpg;Gf;FO
nfhNrhNthg; gFjpapy; nghWg;Ngw;wJ. 2001,y; NfhNrhNthtpy; 120cWg;gpdu; nfhz;l Xu; muir mikf;fyhk; vd;g jw;fhd mDjpia I.ehtpd; fz;fhzpg; Gf; FO toq;fpaJ. Iehtpd; ghJfhg;Gr; rigapy; epiwNtw;wg; gl;l NfhNrhth jPu;khdk; vz; 1244 gbNa nfhNrhthtpd; rpf;fiyj; jPu;g;gjw;F I.eh. jiyapl;lJ.
mjd; topahfNt 2006 ,y; NfhNrhNth tpd; rpf;fiyj; jPu;g;gjw;F ‘,Wjp Kb ntLg;gJ’ vd;w tifapy; mz;ika Ngr;Rthu;j;ij njhlq;fg;gl;lJ. I.eh
Tk; INuh fSk; Ngr
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JUf;fp-X ,e;j mwp jpw;Fs;Ns vd;gJk; n

jha;tPL • brk;gH 2007 dpehL...
Tk; INuhg;gpa xd;wpaKk; mz;il ehL fSk; Ngr;R thu;ijfis xOq;FgLj;jpd.
jw;NghJ Kwpe;Jtpl;l Ngr;Rthu;j;ij g;Ngw;wJ.
ahy; my;yJ ,g;gbj;jhd; nrd;W KbAk; Wg;gpdu;
vd;W jPu;khdpf;fg;gl;l Ngr;Rthuj;ij hk; vd;g z;fhzpg;
Kwpe;J tpl;ljhy; nfhNrhth jdJ
gilfs; Nel;Nlh gilfSld; Nru;e;J $l;lhsp ehLfspd; JizAld; jdJ
gpupag;NghFk; nfhNrhNthtpd; gFjp Rahl;rpia my;yJ tpLjiyia mwptpf; wNtw;wg;
fg;Nghfpd;wJ. me;j mwptpg;G 2008 ,d; 244 gbNa
Kw;gFjpapy; tuyhk; vd ek;gg;gLfpwJ.
fis ghJfhf;f my;yJ fz;fhzpf;f cs;sd.
Pu;g;gjw;F
murpay;ahg;G Kjyhd jahupg;G Ntiy
Mdhy; nfhNrhNthtpy; ,e;j eltbf;- fSf;Nf ,e;jj; jtiz vdg;gLfpwJ.
iffSf;F INuhg;gpa xd;wpaj;jpd;
hsu; ehafj;Jld; nfhNrhth gpujkUk; [dhjpgjp Dr.Fatmir Sejdiu Ak;.
hNrhNth
JUf;fp-Xl;Nlhkhd; NguuR: Wjp Kb z;ika . I.eh
,e;j mwptpg;gpdhy; INuhg;gpa xd;wpaj; jpw;Fs;NsNa KWfy; epiy tuyhk; vd;gJk; ntspg;gLfpwJ. I.xd;wpaj;jpd;
cWg;G ehlhd JUf;fp jdJ vjpu;g;ig kiwKfkhfr; nrYj;jp tUfpwJ.
59k; gf;fk; ghu;f;f...
kh%yd;





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58k; gf;fj; njhlHr;rp...
JUf;fpapy;jhd; Ke;ehs; nfhNrhNth tpd; Mjpf;fehlhd xl;Nlhkhd; NguuR
mike;jpUe;jJ KjyhtJ fhuzk;. JUf;fp 1974 ,y; ifg;gw;wpa irg;gpuR jPTfs; Fwpj; ru;r;irapy; jw;NghJ fz;- fhzpg;gpy; ,Uf;Fk; $l;Lg;gilfs; gw;wpa Nfs;tpia JUf;fp jtpu;f;f tpUk;GfpwJ vd;gJ ,uz;lhtJ fhuzk;. my;yJ irg;gpuRk; jd;dhl;rp epiyf;F te;Jtplf;$lhJ vd;W JUf;fp tpUk;G tJk; vdyhk;. JUf;fpAk; Xu; ,Ryhkpa kjg; ngUk;ghd;ikAila ehL vd;gJ Fwpg;gplj;jf;fJ.
gpd;Gyk;:
nfhNrhNthtpd; kf;fs; njhif 18 yl;rkhFk;. mjpy; fzprkhNdhu; mfjpf shfTk; gpw ehLfspYk; thOfpd;wdu;.
my;ghdpa ,dj;jtu; mjpfkhfTs;s nfhNrhNthtpy; xl;Nlhkhd; NguuR mijf; ifafg;gL;j;Jk; Kd;du; fpwpj;j tUk; KRypk;fSk; rupf;Fr; rup ,Ue;j du;. JUf;fpapd; xl;Nlhkhd; Nguurpd; tPo;r;rp gy fpwpj;jtu;fisg; gbg;gbahf ntspNaw itj;J KRypk; ngUk;ghd;- ikia cUthf;fp itj;Js;sJ.
nru;gpa fpwpj;jtu;fs; rpWghd;ikapduhf thOfpd;wdu;. Mdhy; jw;Nghija nfhNrhNthg; gFjpf;Fs; ngUe;njhifr; nru;gpau;fs; kf;fs; Mwhk; Vohk; Ehw;- whz;Lfspy; Fbngau;e;J te;J jq;fp As;s rhd;Wfs; cs;sd.
Mf nfhNrhNthtpd; tpLjiy Kof;fj; Jf;Fg;gpd;dhy; ve;ejnthU ‘,d’ milahsKk; jdpKidg;ghf ,y;iy. mJ kjkhfNt ,Uf;fpd;wJ. mNj Ntis mJ KRypk; kjkhfTk; ,Uf;fpd; wJ. mjhtJ my;ghdpa ,dj;J KRypk;fs;.
,Ug;gpDk; $l KRypk; ehLfs; gy tw;wpy; gy tiffspYk; jdJ fhiy itj;Js;s mnkup;fhTk; mjd; $l;lhsp ehLfSk; nfhNrhNthtpy; KRypk; ,dj;jtUf;Fr; rhu;ghf jdpehl;Lf; Nfhupf;ifia Vw;W mjd; Rje;jpuj;ij mq;fPfupg;gJjhd; ntspg;gilahfg; ghu;j;jhy; murpay; Mr;rupak;.
Mdhy; vdf;F %f;Fg; NghdhYk; Nghfl;Lk; vjpupf;Fr; rFdg; gpioahf ,Uf;fNtZk; vd;w jj;Jtj;jpd; mbg;gilapy; Nrhtpaj;jpd; cUtkh- fNt jw;Nghija urpahitg; ghu;f;fpd;w kdg;ghq;Fjhd; ,q;F Mjpf;fk; nrYj;J fpd;wJ.
epytpay; murpay;: ntz;fy ehfuPff; fhyj;jpNyNa kdpju; tho;e;j rhd;Wfisf;nfhz;l nfhNrhNth fp.gp. ehd;fhtJ Ehw;whz;bypUe;J ,d;Wtiu mbikg;gl;Nl fplf;fpwJ. nfhNrhNthTf;nfd;W jdpahd muRfs; mike;jpUe;jjw;fhd tuyhw;Wr;rhd;W fs; ,y;iy.
ehd;fhtJ Ehw;whz;by; mnyf;rhe;jup dhy; ifg;gw;wg;gl;L gpd;du; njhlu;e;J ,d;Wtiu khwpkhwp VjhtJ Xu; gpw muRfspd; Mjpf;fj;jpNyNa nfhNrhNth ,Ue;J tUfpd;wJ.
xl;Nlhkhd; murpd; tPo;r;rp tiu mjh tJ ,uz;lhtJ cyfg;NghUf;Fr; rw;W Kd;dhd Mz;Lfs;tiu nfhNrhth xl;Nlhkhd; Nguurpd; Mjpf;fj;jpy; ,Ue;jJ. ,ilapy; 3Mz;Lfs; ,j;jhyp apd; gpbapy; ,Ue;j ghy;fd; gFjpfs; gy ,uz;lhtJ cyfg; Nghupd; gpd;du; urpahtpd; gpbapy; te;jd.
Kd;dhs; Nrhtpaj; urpahtpd; gpbf;Fs; ,Ue;j ANfhRyhtpah kw;Wk; mjidr; Rw;wpAs;s ghy;fd; ehLfspy; cs;s kf;fs; jq;fs; ,df;FOf;fspd; mbg;g ilapy; gpupaj; njhlq;fpdhu;fs;.
ANfhRyhtpah> RNyhthdpah> knrNlh- dpah> ngRdpah kw;Wk; nfu;rNfhtpdh vdg;gpupe;jJ. mNjNtidis jw;Ngh ija nru;gpahTk; nkhd;uePf;NuhTk; Nru;e;J ANfhyhtpaf; FbaurhfpaJ. ,jpy;jhd; nru;gpld; kpifNyhtpr; vd;W mz;ikapy; cy muq;fpy; jdJ murp ay; Fw;wq;fSf;fhf tprhupf;fg;gl;ltu; jiytuhf ,Ue;jhu;.
Kd;du; ,Ue;j Nrhtpaj; ‘ANfhRyhtpah it cWjpahf itj;jpUf;f (mg;Ngh- ija) nru;gpah gykw;wjhf ,Uf;f Ntz;Lk;.’ nru;gpah gykw;wjhf ,Uf;f nfhNrhNthTf;F rpwpJ gyj;ijf; nfhLf;f Ntz;Lk; vd mg;nghija jiytu; khu;ry; bl;Nlh KbT nra;jjd; tpisthfNt Njhd;wpaJ NfhNrhNth- Tf;fhd mjpf mjpfhuk;.
1980 fspy; rpW ghd;ik nru;gpau;fs; trpf;Fk; nrhNrhNthtpy; KWfy; ,Ue; jJ. eLT epiy tfpj;J Ngr;Rthuj;ij Vw;gLj;j mg;Nghija mikr;ruhd kpifNyhtpr; te;jhu;. mq;F vjpu;g;Gf; Fuy; fhl;ba nru;gpau;fis nfhNrhNth fhty; Jiw jbfshy; jhf;fpaJ. ‘nru;gpau;fis xUtUk; jhf;f tplkhl; Nld;’ vd;whu; kpfiNyhtpr;. me;j ,dthj czu;T+l;lyhy; nru;gpau;fspd; ngUk;ghd;ik MjuTld; mjpguhdhu; kpifNyhtpr;.
me;j ,dthj czu;T+l;lypd; kWjiy tpisthf cUthdJ jdpahd nfhNrh- Nth vd;w vz;zk;. mg;Nghija nru;gpah tpd; xU khfhzk; jhd; jw;NghJ tpLjiyiar; Rje;jpuj;ij mwptpf;f ,Uf;Fk; nfhNrhth.
tpLjiyapd; tpspk;gpy;:
nfhNrhNth ngUshjhuh tifapy; vt; tpj rpwg;ghd cw;gj;jpfisAk; gpz;zp fisAk; nfhz;ljy;y. MapDk; fpof;F INuhg;gpa ehLfspy; tzpfg;Nghf;F tuj;jpd; ikakhf cs;sJ. kw;Wk; ghy;fd; gFjpapy; urpahtpypUe;J NtW gl;L epw;ff; $ba ehlhfTk; cs;sJ. epyf;fupiaAk; rpy gpw fdp tsq;fis Ak; jtpu ehl;by; Njhz;bnaLf;fTk; vJkpy;iy. ,ijj;jtpuTk; vt;tpj nghUshjhu Kjd;ikAk; nfhNrhth tpd; tpLjiyf;F nfhLf;fg;gl KbahjNj. ,JtiuehSk; Nrhtpaj; rhu;e;j ANfhRyhtpahtpd; rpwg;G epjp cjtpapy; ,Ue;j gFjp.
nfhNrhNthtpd; epyg;gFjp 4 Mapuk; rJu iky;fs; kl;LNk. kf;fs; njhif 18 yl;rk;.
MapDk; nfhNrhNth jdJ Rje;jpuj;ij> tpLjiyia> jd;dhl;rpia kpf cWjp ahf 2008,y; mwptpf;fpwJ.
,q;F rpy ehLfspd; ngau;fis kl;Lk; khw;wpg; Nghl;lhy; cynfq;Fk; elf;Fk; gy gFjpfspd; murpay; eltbf;iffs; nghUe;jp tUk;. tha;g;ghL vq;Fk; xd;Wjhd;. mnkupf;fh> urpah> INuhg;gpa xd;wpak; Nghd;w gy Gwf; fhuzpfspd; tpUg;G ntWg;Gf;fs;jhd; KbTfisj; jPu;khdpf;fpd;wd.
,e;ehLfspd; MjuTepiyia nty;tNj ,d;iwa cyfg; Nghf;fpy; cz;ik ahd murpay; ntw;wp.
mijr; rhjpj;jpUf;fpwJ nfhNrhNth. my;yJ nfhNrhNthtpd; Gwr;#oy; (urpah vd;w mnkupf;f vjpup) mijf; nfhNrhNthTf;Fr; rhjpj;J je;jpUf;fpwJ.

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gpbf;Fs; mjidr; ; cs;s ; mbg;g ;.
knrNlh- Nfhtpdh jw;Ngh Pf;NuhTk; urhfpaJ. pr; vd;W J murp ;fg;gl;ltu;
hRyhtpah (mg;Ngh- ,Uf;f f ,Uf;f yj;ijf; ;nghija nra;jjd; hNrhNth-
u;gpau;fs; y; ,Ue; thuj;ij kr;ruhd vjpu;g;Gf; hNrhNth hf;fpaJ. tplkhl; ;. me;j pau;fspd; jpguhdhu;
kWjiy nfhNrh- nru;gpah jw;NghJ mwptpf;f
;gpy;:
apy; vt; ; gpz;zp k; fpof;F g;Nghf;F . kw;Wk; ;J NtW cs;sJ. sq;fis aLf;fTk; vt;tpj fhNrhth bahjNj. rhu;e;j cjtpapy;
Mapuk; ; njhif
e;jpuj;ij> pf cWjp
s kl;Lk; ; elf;Fk; f;iffs; vq;Fk; Nuhg;gpa uzpfspd; Tfisj;
nty;tNj cz;ik
hNrhNth. Gwr;#oy; mijf; pUf;fpwJ.





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jha;tPL • brk;gH 2007
xd;uhwpNahtpy; trpf;Fk; fNdba ,yq;if aUf;fhd xU fld; cjtp rq;fk; fle;j nrg;lk;gh; 12 2007md;W cUthf;fg;gl;lJ. ,g;gbahd xU mikg;G 7tUlq;fSf;- Fg;gpd; xd;uhwpNah murhq;f mDkjp Ald; cUthdJ ek; midtUf;Fk; xU kfpo;r;rpfukhd nra;jp.
,yq;if kf;fs; Fwpg;ghf Gjpa Fbtuthsh;fs; (New immigrants)> taJ Kjph;e;jth;fs; (Seniors)> rpwpa tpahghu chpikahsh;fs; MfpNahh; rpwpastpy; fld; ngWtjw;Fk;> mjpf tl;b mw- tpLk; gpujhd tq;fpfs; kw;Wk; fld; toq;FNthhpy; jq;fpapUf;ff; $lhJ> vkJ jha;ehl;by; $l;LwT tq;fpfs; ,Ug;gijg; Nghy fdlhtpYk; ,yq;if kf;fSf;fhf fld; epWtdq;fis cU- thf;f Ntz;Lk; vd vz;zpa rpy jdp- egh;fspd; J}uNehf;Nf ,e;j khNfh]h fld; xd;wpakhFk;.
,jdbg;gilapy; cUthd khNfh]h fld; xd;wpakhdJ xd;uhwpNahtpd; epjp Nrit Mizf;FOtpd; (Financial Services Commission of Ontario –FSCO) mDkjpiag; ngw;W nrg;lk;gh; 28> 2007,y; xUq;fpizf;fg;gl;lJ (Incorporated). fdlhtpd; xd;uhwpNahtpy; ,Uf;Fk; ,yq;if kf;fs; r%fj;jpw;fhf Kjd; Kjypy; cUthf;fg;gl;l fpnubl; A+dpad; ,JthFk;.
khNfh]h fld; xd;wpa (Margosa Credit Union) Xu; Gjpa cjak;
,yq;if kf;fshfpa cq;fSf;F $l;L- wT epjp njhlh;ghf ed;F ghpr;raKz;L. Xh; fld; xd;wpaj;jpd; jdpg;gl;l mq;fj;jthpd; eyd;fs; vg;NghJk; Kjd; ikg;gLj;jg;gLk; vd;gij ePq;fs; mwptPh; fs;. mj;Jld; fld; xd;wpaq;fs; mq;fj;jth; - chpik (Member – right) nfhz;lit vd;gijAk; ePq;fs; mwptPh;- fs;. ,j;jd;ikahdJ fld; xd;wpaq; fis tq;fpfspy; ,Ue;J rpwg;ghf NtW gLj;jpf; fhl;Lfpd;wJ.
nghJthf $100 ,w;F Xh; mq;fj;Jt fl;lzk; (Member fee)thq;Ftjd; %yk; mq;fj;jth;/ thbf;ifahsh; fld; xd;wpaj; jpd; (Credit Union)midj;J tq;fp rYif fisAk; ngw;Wf; nfhs;s KbAk;.
Xh; Gjpa fld; xd;wpaj;jpw;F mq;fj;Jt gzj;ij tpl mjpf Kjy; Njitg;gL fpd;wJ.  njhopy;rhh; epGzh;fs;> Vida r%f jiyth;fs; nghJthf ,t;tif- ahd gq;Ffis thq;f tpUk;Gth;. khNfh]hthdJ mjd; mq;fj;jth;fs; thq;ff; $bajhfA tFg;G gq;Ffs;> B tFg;G gq;Ffs; vd 2 tifahd KjyPl;Lg; gq;Ffis cUthf;Fk;. ePq;fs; NtW tq;fpfspy; RRSP KjyPL nra;jpUe;jhy; mk;KjyPLfis khNfh]h fld; xd;wpaj;jpw;F khw;Wtjd; %yk; mj;njhifapd; ngWkjpf;F khNfh]h
,e;epWtdk; gw;wp mwpjy; ,yq;if kf;fs; r%fj;jpy; cs;s xt;nthUt- iuAk; ,yhgkilar; nra;tJld; $1.5 kpy;ypad; Nrh;f;fg;gLk;tiu ,e;epWtdk; jdJ eltbf;iffis Muk;gpf;f Kb- ahJ vd;gijAk; czu Ntz;Lk;. nry;te;j KjyPl;lhsh;fs; mjpfsT fld; xd;wpaj;jpy; gq;Ffis thq;fyhk;.





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ej;jhu; myq;fhu kuj;ij myq;fupf;Fk; Kiwiaf; nfhQ;rk; khw;wp moF gLj; jpg; ghu;j;jhy; vd;d? cq;fs; fw;gdh rf;jpia jhuhskhf gad; gLj;Jq;fs;. ,k;khjpup ej;jhu; tpLKiwapy; jhd; cq;fSf;Fg; gpbj;j myq;fhu> njhq;Fk; nghUl;fis tpUk;gpagb mofofhf tupirg;gLj;jp fz; nfhs;sh mofpa fpwp];k]; kuj;ij cUthf;fyhk;. kw;wtu; ghu;j;J kpfTk; ghuhl;lf; $ba xU tplakhf ,J ,Uf;Fky;yth? cq;fs; fiyahu;tj;ijAk;> fw;gid- iaAk; mjpy; ntspf; nfhzuyhk;. ,q;F nfhLf;fg; gl;Ls;s Fwpg;Gf;fis xUthW gbj;J mjd;gb Kbe;jsT> cq;fs; kuj;ij moF gLj;j Kad;W ghUq;fs;. ghuhl;il Nfl;fhkNy ngW tPu;fs;.
Njitahd nghUl;fs;
•
fpwp];k]; ku myq;fhu
Fk;. 7 mb kuj;Jf;F epr;rak; 25 Nrhb
NtW ,l kpd;Fkpo;fs; 70 mlq;fpajhf ,Uj;jy;
mtw;wpYs mtrpak;. kuj;ij myq;fupf;fj; njhlq;F
fs;. ,j Kd;> filapypUe;J thq;fpf; nfhz;L
fisAk; te;j vy;yh kpd;Fkpo;fisAk; xd;Wf;F ,uz;lhf> mit xOq;fhf Ntiy nra;fpd;wdth> vy;yh kpd;Fkpo;fSk; njhy;iyapd;wp ntspr;rk; jUfpd;wdth vd gupNrhjpj;Jg; ghu;j;Jf; nfhs;Sq;fs;.
vg;nghOJk; kuj;jpd; mbg; ghfj;jpypUe;Nj myq;fhuj;ijj; njhlq;Fjy; eyk;. kpd;Fkpo; ,izg;ig kuj;jpd; mbg; ghfj;jpypUe;J nkJ nkJNt Rw;wpf; nfhz;L Nky; Nehf;fpf; nfhz;L tu Ntz;Lk;. gpd;du;> xt;nthU fpisfis Ak; $l jdpj;jdpahf ftdpj;J ,e;j ,izg;Gf;fisf; nfhz;L ey;y neUf; fkhf Rw;wp ,izj;Jf; nfhz;L thUq; - Rfd; rptuh[h -
fs;. neUf;fkhd rpd;dr; rpd;d kpd; ndhspiaf; fhZk; NghJ fz;fSf; Fk;> ntspNa ,Ue;J ,utpy; ghu;g;gtu; fSf;Fk; $l kpf mofhf ,e;j kuk; xU fpwp];Jk]; kuk; (mstpy; Voiu mb cauk; ,Uf;fyhk; - ,aw;if> nraw;if kuk; vJthdhYk; guth apy;iy)
•
rpd;dQ;rpW nts;is xspiaj; juf; $ba kpd;Fkpo;fs; (25 ngl;bfis thq;Fq;fs;> mtw;wpy; xt;nthU ngl;bapYk; 70 kpd;Fkpo;fs; ,Uf;f Ntz;Lk;)
•
mofpa epw ehlhf;fs; (rpfg;gpy; ,Ue; jhy; kpfTk; vLg;ghf ,Uf;Fk;. xt;nthd;Wk; 9ahuhf ,Uf;f Ntz; Lk;> xt;nthU Kbr;Rf;Fk;
•
36fz;zhbg; ge;Jfs; - rpwpa> ngupa> kpfg;ngupa msTfspy; ( ghuk;gupa ku myq;fupg;G Kiwf;F ,J kpfTk; moF Nru;f;Fk;)
•
36tpjtpjkhd njhq;fl;lhd;fs; rpwpa> ngupa> kpfg;ngupa msTfspy;
•
15 ,d;Dk; tpj;jpahrkhd moF njhq;F rhjdq;fs;
fhl;rpaspf;Fk;. rpd;dr; rpd;df; fpis fisAk; ngupa fpisfisAk; khw;wp khw;wp kpd;tpsf;Ffshy; myq;fupj;Jf; nfhz;L te;j gpd;> kuj;jpd; gpd; gf;fj;- ijAk; (,e;j ,lj;jpy; gpd;Gwk; vdg;gL tJ> tPl;bd; %iyia mz;bapUf;Fk; kuj;jpd; gFjpahFk;) XusTf;F fz;zpy; glf;$ba gFjpia kl;LkhtJ myq;f
nfhQ;rk; upj;J tpLq;fs;. rup> kpd;tpsf;Ffshy;
nfhs;Sq kuj;ij myq;fupj;J tpl;Bu;fsh? ,dp
cq;fSf;F kw;w myq;;fhug; nghUl;fis kuj;jpy;
kuj;ij> njhq;f tpLtijg; gw;wp myRNthk;.
efu;e;J> r elTq;fs ghuk;gupa kuG Kiw myq;fhuk; kuj;ijg; ghu;j;jPu;fshdhy;> kuk; fPNo ngUj;Jk;> Nky;g;ghfj;jpy; rpWj;Jk; fhzg;
,lk; Ne ed;whf c vy;yhf; N Ntiyj;
gLk;. vdNt> vg;nghOJk; ghuk; Fiwe;j myq;fhur; Nrhlidfis kuj;;jpd; Nky; Gwj;jpd; Nky; njhq;f tpl;lhy; jhd;> kuk; ghuk; jhq;fhky; fPNo rha;e;J tpl
,uz;lhtJ tif myq;fhu ku tiff;F nkU$l;Lk; kw;iwa myq; fhuq;fshtd:
tha;g;gpy;yhky; ,Uf;Fk;. vdNt rpW mzpfis kuj;jpd; Nkw; Gwj;jpYk;> XusT ngupa rhjdq;fis kuj;jpd; eLg;Gwj;jpYk;> ,itnay;yhtw;iwAk;
•
42 G+j;jz;Lfs; - %d;wpypUe;J Ie;J tpl;lk; tiuapyhdit (,jpy; jhd; rpd;dr; rpd;d cUtq;fisj; njhq;f tplyhk;)
•
fyu; ehlh – 20 ahu;fs; (kuj;ijr; Rw;wpg; glu tpLtjw;F)
kpQ;Rk; ngupa myq;fhuq;fis kuj;jpd; mbg;ghfj;jpYk; nghUj;jp myq;fupj;jy; rpwg;igj; jUk;. vg;nghOJk; kuj;jpd; cl; ghfj;jpypUe;J myq;fhuj;ij Muk; gpj;J> ntspf; fpisfspd; Edpfis gpd;du; myq;fupAq;fs;.
•
10 mstpy; kpfTk; ngupajhd njhq;F myq;fhug; nghUl;fs; - Njtijfs;> taypd; Nghd;w cUtfq;fs;
jdp epwq;fisf; nfhz;l (mjhtJ ve;j tiujy;fNsh glq;fNsh my;yhj ntWk; epwj;ij kl;LNk nfhz;l fz;- kuj;ijr; Rw;wp myq;fupf;Fk; kpd;Fkpo; fis ,d;dJ jhd; vd;w mstpy; vj;j id Fkpo;fs; cs;sd vd;w fzf;if itj;Jf; nfhs;shjPu;fs;. vt;tsTf; nft;tsT> kpd;Fkpo;fspd; vz;zpf;if iaf; $l;Lfpd;wPu;fNsh mt;tsTf; ft;tsT cq;fs; kukhdJ nrhy;-
zhbf; Fkpo;fs;) ge;Jf;fis> rpd;d mstpyhditiaf; nfhz;L> kuj;jpd; Nky; Gwj;jpypUe;J myq;fupf;fj; njhlq;Fq;fs;. me;j rpd;dr; rpd;d myq;fhuq;fspNyNa $l tpjtpjkhd msTfspy; cs;s Fkpo;fisf; ftdj; jpy; nfhz;L> fye;J ghtpAq;fs;. nyhzh kpfTk; uk;kpakhf moFld; ,Uf;Fk;.
kpspUk;. ghu;f;f
kuj;jpd;> jz;bd; cs; epw;ghl;l ghfq;fspypUe;J itf;fg;;gl;bUf;Fk; tUk; rpd;dQ;rpW mofpa kpd;Fkpo;fisNa vg;nghOJk; thq;Fq;fs;. kpd;rhuf; Fkpo;fs; Kd;dNkNa cq;fsplk; ,Ue; jhy; mJ NtW fij> ,it jhd; ,d;W kpfTk; gpugy;akhdit. ,it kuj;jpy; njhq;f tplg;gl;bUf;Fk; ve;j xU myq;fhug; nghUisAk; kpfTk; kpifg; gLj;jp $Ljy; moFld; njupar; nra;Ak;. filfsp;y; ,k;khjpupahd kpd; Fkpo;fisj; njupT nra;Ak;NghJ> toik ahf 3mq;Fy ,ilntspAld; $b
rpWfpisfspy; ,e;jf; Fkpo;fisj; njhq;f tpLq;fs;. mg;gbNa mtw;iw ntspNehf;fp tpjtpjkhd rpW msT fspy; myq;f upj;Jf; nfhz;L thUq;fs;. xt;nthU fpisfspypUe;Jk; cl;ghfj;jpy; njhlq;fp ntspNehf;fpapUf;Fk; miuthrpg; gFjp- ia ,e;j Fkpo;fshy; kl;LNk myq;- fupj;J tpLq;fs;. ,e;j Kiwia me; je;j msTfspd; mbg;giliaf; nfhz;L KO kuj;ijANk Kjypy; ,t;thW moF gLj;Jq;fs;. mikf;fg; gl;bUf;Fk; kpd;dyq;fhuq; fis thq;fhJ> Fiwe;jJ 7 mq;Fy ,ilntspapy; mike;jpUf;Fk; kpd; Fkpo; mikg;Gf;fisNa thq;Fq;fs;. ,itfis kuj;jpd; fpisapd; Kid fspy; nrUfptpl kpfTk; trjpahf ,Uf;
fpisfs; ngupjhfpf; nfhz;L tUk; gFjpfspy; ngupa Fkpo;fisf; nfhz;L> mNj Neuk; vz;zpf;ifapy; $ba Fkpo;fisf; nfhz;L mf;fpisfis myq;fupAq;fs;. tpjtpjkhd epwk; nfhz;l fz;zhbf; Fkpopfis ntt;

jha;tPL • brk;gH 2007 p];k]; ku myq;fhuk;
25 Nrhb ,Uj;jy; njhlq;F nfhz;L xd;Wf;F Ntiy kpo;fSk; pd;wdth ;Sq;fs;.
;jpypUe;Nj ; eyk;. pd; mbg; Rw;wpf; z;L tu pisfis ;J ,e;j ;y neUf; ;L thUq; ;d kpd; fz;fSf; ghu;g;gtu; e;j kuk; f; fpis k; khw;wp q;fupj;Jf; pd; gf;fj;- ; vdg;gL apUf;Fk; fz;zpy; myq;f f;Ffshy; h? ,dp kuj;jpy; Nthk;.
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uk; fPNo k; fhzg; ; Fiwe;j ;;jpd; Nky; y; jhd;> a;e;J tpl Nt rpW wj;jpYk;> kuj;jpd; w;iwAk; kuj;jpd; q;fupj;jy; kuj;jpd; ij Muk; Edpfis
(mjhtJ my;yhj ;l fz;- > rpd;d kuj;jpd; q;fupf;fj; r; rpd;d jtpjkhd f; ftdj; ;fs;.
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NtW ,lj;jpy; khwp khwp ,izj;J
Sf;Nf cq;fs; Ntiyapy; mjpUg;jp mtw;wpYs;s ,ilntspiaf; FiwAq;
,Ug;gJ Nghy; Njhd;wpdhy;> kw;wtu;fSf; fs;. ,j;jidf; fz;zhbf; Fkpo;
Fk; mJ mofpy;yhjjhfj; jhd; njupAk;. fisAk; kuj;jpy; ,izj;J Kbj;jJk;
vy;yh myq;fhuq;fSk; rkhe;jukhf
nfhQ;rk; cq;fis MRthrg; gLj;jpf;
,Uf;fpd;wdth vd xUKiw rup ghu;j; nfhs;Sq;fs;. rpwpa ,ilntsp xd;iw
Jf; nfhs;Sq;fs;. xd;Wf;nfhd;W ,il cq;fSf;Ff; nfhLj;J> rpwpJ Neuk;
ntspapy; tpj;jpahrq;fSk; mstpy; kuj;ij> my;yJ me;j ,lj;ij tpl;L
Kd;Df;Fg; gpd; KuzhfTk; ,Ue;jhy;> efu;e;J> rpy epkplq;fSf;F xU eil
ghu;f;f ftu;r;rpahf ,Uf;fhJ. mtw;iw elTq;fs;. ,g;nghOJ kuk; ,Uf;Fk;
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fs;. my;yJ xd;W tpl;L xU fpis ed;whf cw;Wg; ghUq;fs;. rw;Wj; js;sp
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jha;tPL • brk;gH 2007
62k; gf;fj; njhlHr;rp...
Fkpo;fis khl;b kuj;ijr; rw;W tpj;jp- ahrg; gLj;jpf; fhl;lyhk;.
filrpahf ,e;j kuj;jpd; KOikahd myq;fhuk; vjpy;jq;fpapUf;fpwJ njupAkh? xU Njtij> xU el;rj;jpuk; my;yJ xU mofpa Kbr;ir kuj;jpd; cr;rpapy; mofhf khl;btpLtjpy; jhd; cs;sJ. vijNah xd;iw> mjpy; cq;fSf;F vJ gpbj;jpUf;fpwNjh mij khl;b tpLq;fs;. ,g;NghJ cq;fs; ej;jhu; myq;fhu kuk; jahu;. jaT nra;J ,uz;lb vl;bj; js;sp epd;W> cq;fs; fiyahu;tj;jpd; ntspg;ghl;il MWjyhf ,urpf;fj; njhlq;Fq;fs;.
ehfupf Kiw myq;fhuk; vf;fr; rf;fkhd epwq;fs;> kpfg; ngupa mstpyhd njhq;Fk; myq;fhuq;fs;> mj;Jld; kpfg; ngupa msTila ku cr;rpf;fhd myq;fhuk;> ,itNa ehfupf myq;fupg;G Kiwia ntspf; nfhzUk; moFr; rhjdq;fshk;. ,k;khjpup myq; fhuj;Jf;F gad; gLj;Jk; myq;fhuq; fSk;> ehlhf;fSk;> jq;fk;> nts;sp> nts;is> my;yJ nrg;G> nts;sp kw;Wk; gOg;G epwk; %d;Wk; fye;J thu;j;nj Lj;j epwk;> ,k;khjpup epwq;fspy; ,Ug;gitaha;g; ghu;j;Jj; Nju;e;njLg;gJ kpf Kf;fpak;. ,it ey;y xU moif kuq;fSf;Fj; jUk;. Njitahdtw;iw thq;fp tpl;Bu;fsh? gpwnfd;d> kuj;ij myq;fupg;gJ jhd; ghf;fp!
Kjy; tif (ghuk;gupa moF Kiw)
mh;g;gzpg;Gld; nraw;gLk;gbAk; Kjw;- rpy tUlq;fspy; Njitnadpy; gq;fpyh gq;fis vLj;Jf; nfhs;shky; jpahfk; nra;Ak;gbAk; Nfl;fg;gl;Ls;sdh;.
,f;fld; xd;wpak; jdJ r%fj;jpw;F MjuT toq;Ftjw;F Kd;ghf r%fj; jpd; MjuT ,jw;Fj; Njitg;gLfpd;wJ. fld; xd;wpaj;jpd; ,yhgfukhd tsh;r;rp gpufhrkhdjhf ,Uf;fpd;w NghjpYk; gq;fpyhgq;fis toq;Fjy; tUkhdkPl; lypNyNa jq;fpAs;sJ. khNfh]h ,af;Fdh; rigapd; (Board of Directors) gq;fpyhgf; nfhs;ifahdJ> NghJkhd ,yhgk; ,Uf;Fk;NghJ gq;fpyhgq;f- isf; nfhLg;gJk; mNjNeuk; Njitg; gLk Kjy; kw;Wk; Vida Njitfis epiwNtw;WtJkhFk;.
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KjyPl;Lg; gq;Ffs; khNfh]h mq;fj; jth;fl;F kl;Lk; $w;Wf;fis (Statements) toq;Ftjd; %yk; tpw;gid nra;ag; gLk;. ,e;j gq;F toq;Fk; $w;whdJ vy;yh Mh;tKs;s mq;fj;jth;fSk; tpsq;fpf; nfhs;sf; $bajhd Kf;fpa khd jfty;fisf; nfhz;Ls;sJ. ePq;fs; cq;fSf;Fhpa gpujpiag; ngw 416-298-4504 I miof;fyhk; my;yJ 100A-2100. Ellesmere Road ,y; cs;s khNfh]h fpis mYtyfj;ij mZf yhk;. my;yJ N[hh;[; jk;gpj;Jiu mth;fSf;F 308-3852, Finch Ave.East, Scarborough. ON. M1T 3T9 vDk; Kfthpf;F vOJtjd; %yk; ngw;Wf; nfhs;syhk;. ePq;fs; ,e;j toq;fy; $w;Wf;fisg; ngWjy;> my;yJ ,e;j
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khNfh]h fld;...
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khNfh]h fld; epWtdj;jpd; ,af;Fdh; rigahdJ ePq;fs; cq;fs; r%fj;jpd; Gjpa fld;xd;wpaj;ij Mjutspf;f Kj- yPl;Lg; gq;Ffis thq;Ftjpy; ,iz- tPh;fs; vd vjph;ghh;f;fpd;wJ.

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ghujp gdhu]py; jq;fp ,Ue;j Ntis apy; ,U tplaq;fs; mtu; kdjpy; mopahj Nfhyq;fshfg; gjpe;Jtpl;lJ. Kjyhtjhf Fwpg;gplNtz;baJ> mtuJ Rje;jpu Ntl;if. mLj;jgbahf Md;kpf kdepiy.
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tPL gj;jpupifapy; tpsk;guk; nra;tPH. tzpfj;jpd; vy;iyfis tpupthf;FtPH!
416-400-6406





Page 105
jha;tPL • brk;gH 2007
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A-Z SOLUTIONS
To Every Human Problem, There is only
A - Z
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Fk; me;j khjq;fs; md;wp c nghOJ r ,td; Nk vt;tsT mJ kl Foe;ijf fPo;g;gFjpa mstsht
xUehs;> Nky; njh Nghahapw Rthurpak rpia n Kbatpy;i Nghdhy; Fog;gbAk fPNo Ng njhiyf;f jhu;fs;. g Xbdhu;fs njhiyf;f epfo;r;rpfi ngl;bia

cz;ikr; rk;gtk;
A-Z SOLUTIONS
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Fk; me;j kpd;Fkpio khl;b tpl;lhd;. khjq;fs; cUz;Nlhbd. gpuk;ikNah md;wp cz;ikNah> FLk;gj;jpy; ,g; nghOJ rpwpJ mikjp. mtu;fSf;Nfh ,td; Nky; ,Ue;j kjpg;G $bw;W. ml vt;tsT mUikahd mikg;G ,J. mJ kl;Lkd;wp> ,tu;fs; tPl;Lf; Foe;ijfSk;> mtd; ,Uf;Fk; tPl;bd; fPo;g;gFjpapy; Ngha; mtDld; tpisahb> mstshtp tUtJz;L.
xUehs;> vd;d fhuzj;jhNyh tPl;bd; Nky; njhiyf; fhl;rp Ntiynra;ahJ Nghahapw;W. Foe;ijfs; NkNy ,Ue;J Rthurpakhf jkf;F tpUk;gpa epfo;r; rpia njhiyf; fhl;rpapy; ghu;f;f Kbatpy;iy;> njhiyf; fhl;rp ,y;yhJ Nghdhy; nghWg;ghu;fsh? Fk;khsKk; Fog;gbAk; $lNt> jhahu; mtu;fisf; fPNo Ngha;> epytiwg; gFjpapy; njhiyf;fhl;rpia> ghu;f;FkhW gzpj; jhu;fs;. gofpg; Nghd Foe;ijfs;> fPNo Xbdhu;fs;. mtd; fPNo ,y;iy> njhiyf;fhl;rpapy; jkf;Fg; gpbj;j epfo;r;rpfisj;Njb> njhiyf;fhl;rpg; ngl;bia jpUfpf; nfhz;bUe;j Foe;ij
fs;> ,Ue;jhw;Nghy; Mr;rupaj;jpy; $tpdhu;fs; “,Q;nr> mk;kh btpapy njupAwh?” cz;ikjhd;. me;Neuk; me;jj; jha; jd; gLf;ifaiwapy; ifapy; vLj;j NtiyAld; epd;W nfhz;bUe;jJ ,q;Nf ,tdJ njhiy- f;fhl;rpapy; Jy;ypakhfj; njupe;jJ. xU Nfhzk; ghf;fpapy;iy. me;j miwapd; mj;jid epiyfSk; mg;gbNa njhiyf; fhl;rpapy;....
,ijg;gbj;Jf; nfhz;bUf;Fk; cq;f- Sf;F ,dp ve;j tpsf;fj;jpd; mtrpa kpd;wpANk NkNy ele;jJ vd;d ntd;W Gupe;jpUf;Fnkd;W epidf;fp Nwd;. ,e;jg; gj;jpupifapy; ,e;j khjpup xU rk;gtk; vg;gb te;jJ vd tpaf;f Ntz;lhk;. vr;rupf;if kzp cq;fs; tPl;bYk; xypf;fpd;wJ vd;w uPjpapy; ,ij xU ghlkhf vLj;Jf; nfhs;Sq; fs;. fz;ltu;fis ek;gp tplhjPu;fs;. xU ehsh ,uz;L ehsh? vj;jid ehl;fs;> vg;gTk; ,JNghd;w mty epiyfs; cz;lhfyhk;. vijAk; my;yJ ahiuAk; ek;gp VkhwhjpUg;gJk;> ms NthL ahiuAk; ek;GtJk;; cq;fs; rhku;j;jpaj;ijg; nghWj;jJ. gpur;rid- fis jPu;f;f vq;fs; kdjpNyNa kUe;Jk; ,Uf;fpwJ. vz;zq;fisAk; KbTfisAk; cWjpahf itj;Jf; nfhz;lhy;> ntspr;rq;fs; ,y;yhkNy gpufhrkhd vjpu;fhyk; cq;fSf;Ff; fhj;jpUf;fpd;wJ. jPu;;f;f Kbahj gpur;rpid vd;w xd;W ,y;iy. kdij kilahfj; jpwTq;fs;. ntd;wplyhk;.
- kQ;Ruh[; -





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xd;uhupNah Rfhjhu mikr;R kw;Wk; CMHC (Canada Mortgage and Housing Corporation)Mfpatw;wpd; Ma;T mwpf;if apd; gpufhuk;> tPl;bd; cl;Gwf; fhw;wpYs;s mRj;jkhdJ> ntspg;Gwf; fhw;wpYs;s mRj;jj;ij tpl gy klq;F mRj;jkhdJ vdf; fzf;fplg;gl;Ls;sJ.
,J njhlh;gpy; kUj;Jt Mhha;r;rpahsh; fspd; $w;wpd;;gb> khrile;j tPl;bd; cl; Gwf; fhw;wpid Rthrpg;jdhy; EiuaPuy; Gw;WNeha; cl;gl> gy;NtW tifahd Rthr Neha;fis Njhw;Wtpg;gjw;fhd Kf;fpa fhuzpahf ,J miktjhf $wg;gLfpd;wJ.
,q;Fs;s tPLfs;> fl;llq;fs; midj; Jk; fhyepiyf;Fj; jFe;j tz;zKk;> rf;jp tpuakhtij jLf;Fk; tifapYk; ntspg;Gwf; FspNuh> ntg;gNkh cs;Ns tUtijNah> ntspNa nry;tijNah jtph;f;Fk; tifapy; ( Energy efficient) kpfTk; ,Wf;fkhfTk;> fhw;W cs;Ns tuKbahjgbAk; fl;lg;gl;Ls;sd. mJ kl;Lky;yhJ Fsph; fhyq;fspy; ad;dy; fis ,Wf;fkhf %b itj;jpUg;gjdhy; Rj;jkhdfhw;W cs;Ns tUtjw;Fk; jil
md;W kwpNah nry;th
- Certified Home Inspector -
tPl;bd; cl;Gwf; fhw;W cz;lhFk; Neha;fSk
ahf cs;sJ. ,t;tifapy; NkYk; cl; -Gwf; fhw;W mRj;jkilfpJ. ,jdhy; tPl;bDs;Sk;> Ntiyj;jsj;jpYk; jkJ ehspd; 90% Neuj;ij nrytopg;gjhdhy; gytifahd Neha;fSf;fhshfpd;whh;fs;. Kf;fpakhf ,iyAjph;> Fsph; fhyq;spy; Foe;ijfs;> rpWth;fs;> taJ Kjph;e;j th;fs; xt;thik Nehapdhy; (Allergies) ghjpf;fg;gLtjw;fhd fhuzk; ,Jth Fk;. NkYk; tPl;bDs; ehk; nra;Ak; md;whl fhupaq;spd; %yKk; cl;fhw;W mRj;jkilfpd;wJ.
Cl;Gwf; fhw;W (Indoor Air Quality) mRj;jkiltjw;fhd Kf;fpa fhuzpfs;
•
G+Q;rzk; (Mold)
•
Gifgpbj;jy;
•
J}R gbjy;
•
Tsh;g;G gpuhzpfs;
•
,urhadg; gjhh;j;jq;fs;
•
thAf;fs;
•
tPl;Lf; fl;llg; nghUl;fs;
•
tPl;Lj; jsghlq;fs;
g+Q;rzk;
 kw;Wk;
xt;thika
 epNkhdpah> GNuhQ; -irl;b]; ( bronchitis)> njha;T> ,Uky;> fhJ rk;ge;jkhd njhw;W Neha;fs; vd; -gtw;wpw;F Mshfyhk;. ,urhadg; gjhh;j;jq;fs; ehk; tPl;il Rj;jPfupf;fg; gad;gLj;Jk; midj;J ,urhadg; nghUl;fSk; Rth -rpg;gjw;F Vw;witay;y. kpf ghuJ}u
 msTf;fjpfkhd cl;Gwf; fhw;wpd;  Rth;g;gFjpfspNyh gbe;J ,it tsh;e;J gutf;$baitahFk;.
Condensation on Windows Gifgpbj;jy;
khd tplakhf ,Ug;gJ> mNkhdpahTk;> Bleach k; fyf;Fk; rkaj;jpy; FNshupd; Gifgpbf;Fk;NghJ ntspNaWk; fhw;iw
thAit cz;lhf;fp fhw;wpd; topfis Rthrpg;gjdhy; 5000w;Fk; mjpfkhd er;R
ghjpf;fpd;wJ.. thAf;fs; mlq;fpa fhw;iwNa Rthrpf;
,tw;iw jLg;gjw;fhd rpy fpd;Nwhk;. Gifgpbg;gtiu tpl> mij
67k; gf;fk; ghu;f;f...





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jha;tPL • brk;gH 2007
fhg;GWjpj; jpl;l gj;jpuj;jpy; ftdpf;f Ntz;ba Kf;fpa tplaq;fs; gyd; ngWgthpd; ngah; rhpahf cs;sjh vd;gJ. fhuzk; ePq;fs; jpUkzkhtjw;F Kd;G fhg;GWjp ngw;wpUe;jhy; mjpy; gyd; ngWgtuhf cq;fs; jha;> je;ij -ah; my;yJ rNfhjuh;fspd; ngaiug; gjpT nra;jpUe;jpUf;fyhk;. jpUkzj; -jpw;F gpd;G cq;fs; kidtpapd; ngaiu gyd; ngWgtuhf khw;WtJ mtrpak;. mj;Jld; cq;fSf;F Foe;ijfs; gpwe; jhy; mth;fspd; ngaiu Nrh;j;Jf;nfhs;s Ntz;Lk;. ,e;j khw;wq;fs; njhiyNgrp %yk; nra;a KbahJ. mjw;fhd gj;jpuq; fs; G+h;j;jp nra;ag;gl;L fhg;GWjp chp -ikahsh; ifnahg;gk; ,l;lhy; kl;LNk khw;w KbAk;.
cq;fs; ngah;> gpwe;j jpfj;p vd;gd rhp -ahf mr;rplg;gl;Ls;sjh vd;gijAk; ftdpf;f Ntz;Lk;.
khjhe;jf; fl;lzk; ve;j Kiwapy; mikf;fg;gl;Ls;sJ vd;gJk; mtrpak;. MAl;fhyk; (Whole Life) KOtJf;Fkhd fhg;GWjpj; jpl;lk; khjhe;jf; fl;Lg;gzk; xNu msthf mjhtJ fhyk; Nghfg; -Nghf khwhj jpl;lkhf ,Uf;Fk;. my;yJ xt;nthU tUlKk; mjpfhpj;Jr; nry;Yk; khjhe;jf; fl;lzk;; cs;s jpl;lq;fis (YRT) vd;W miog;ghh;fs;. Level Cost Insurance vdg;gLk; jpl;lj;jpy; khjhe;jf; fl;lzk; xUNghJk; mjpfhpf; fhJ.
YRT (Yearly Renewable Term)vd miof; fg;gLk; jpl;lj;jpy; tUlhtUlk; fhg;GW -jpf; fl;Lg;gzk; mjpfhpf;Fk;. ,tw;iw tpl rpy epWtdq;fs; toq;Fk; jtizf; fhg;GWjpj; jpl;lk; Cost of Insurance – Inc- reasing vdf; Fwpg;gplg;gl;bUe;jhy;> mjw;fhd khjhe;jf; fl;Lg;gzk; Fwpg; -gpl;l fhyj;Jf;F gpd;dh; mjpfhpf;Fk;. mjhtJ xt;nthU tUlKk; mjpfhpj;Jf; nfhz;L nry;Yk;. Decreasing Benefit vdg;gLk; jpl;lk; Fwpg;gpl;;l fhyj;jpw;F gpd;G fhg;GWjpj; njhif mjhtJ cq;f Sf;F fpilf;Fk; gzj;njhif fhyj;
tPl;bd; cl;Gwf;...
66k; gf;fj; njhlHr;rp... ,yFthd topKiwfs;
cq;fs; tPLfspy; cs;s HumidifierI mbf;fb Rj;jg;gLj;JtJld;> ePiuAk; khw;Wtjdhy; g+Q;rzk;(mold)> gf;uPupah Nghdwtw;wpd; tsh;r;rpia jLf;fyhk;. tPl;bd; cl;Gw  Fspf;Fk;
gJ cfe;jjy;y. ,iyfs; cjph;e;J NghJk;> rikf;Fk; NghJk; exhaust fan I
mOFk; NghJk;> mtw;wpypUe;E ntsp NaWk; ePuhtpapdhYk; cl;Gwf; fhw;wpy; ghjpg;Gfs; Vw;gLfpd;wd.
tPl;bDs; ePh;f;frpT (Plumbing Leak) Vw; gbd; cldbahf mij rupnra;J cyu tpLjy; Ntz;Lk;.
nry;yg;gpuhzpspdhy; Foe;ijfSf;F xt;thik Neha;fs; Vw;gbd; mtw;iw tsh;g;ijj; jtph;g;gJ ed;W.
tPl;bd; cl;Gwf; fhw;wpd; (Indoor air qual- ity) juj;ij NgZtjw;F> Nkw; $wpa ,yFthd topKiwfis filgpbg;g Jk;, jFjp ngw;wthfspd; MNyhrid fisg; ngWtjd; %yKk;> Foe;ijfs;> KjpNahh; kw;Wk; Neha; fpUkpfspd; Roy tpLtjhYk;> g+Q;rzk; kw;Wk; dust
jhf;fk; ,yFthf gPbf;fg;gLNthiu xt; mite vd;W nrhy;yg;gLk; Ez;zpa caph;
-thik Neha;fspypUe;J ghJfhf;f fs; tsh;tij jLf;fyhk;.
KbAk;.
MAl;fhg;GWjp...
69k; gf;fj; njhlHr;rp...
-jpw;Ff; fhyk; Fiwe;J nfhz;L nry; -Yk;. ,g;gbahd jpl;lq;fs; Muk;gj;jpy; ePq;fs; fhg;GWjp nra;j njhif ,wf;Fk; NghJ ngw;Wf; nfhs;s KbahJ. ,g;gb -ahd jpl;lq;fis ,yFthf ghprPyid nra;a Kbahtpl;lhy; ePq;fs; fhg;GWjp Kfth; xUthpd; cjtp ngw;Wf; nfhs;tJ rhyr; rpwe;jJ.
cq;fSf;F fhg;GWjp ngw;Wj;je;j Kfth; me;j epWtdj;Jld; Ntiy nra;ahj tplj;jpy;> ePq;fs; me;j epWtdj;Jld; njhlh;G nfhz;lhy; NtW xU Kftiu fhg;GWjp epWtdk; epakpf;Fk;. my;yJ vy;yh epWtdq;fSld; njhopy;GhpAk; xU KftUld; njhlh;G nfhs;tjd; %yk; cq;fs; fhg;GWjpj; jpl;lk; rhpahdjh vd;gij ghprPyid nra;J nfhs;syhk;.
Kfth;fs; cq;fs; jpl;lq;fis khw;wk; nra;Ak;NghJ cq;fs; Gjpa jpl;lj;Jf; Fk; gioa jpl;lj;Jf;Fk; cs;s NtWghL fis ed;F mwpe;J nfhs;s Ntz;Lk;. ve;jf; fl;lj;jpYk; Gjpa fhg;GWjpj; jpl;lk; cq;fs; ifapy; fpilf;Fk; tiu gioa fhg;GWjpj; jpl;lj;ij epWj;jf; $lhJ. fhuzk; cq;fSf;F taJ mjpfkhdhy; my;yJ cly; MNuhf;fpak; Fiwe;jpUe; jhy;> Neha;fs; Vw;gl;bUe;jhy; Gjpa fhg;GWjp ngWtJ fbdkhf ,Uf;Fk;. mj;Jld; Gjpa fhg;GWjpj; jpl;lk; ngWk; NghJ gioa fhg;GWjpj; jpl;lj;jpw;Fk; Gjpa fhg;GWjpj; jpl;lj;jpw;Fk; cs;s NtWghLfis xg;gPL nra;atjw;fhd gj;jpuk; xd;W G+h;j;jp nra;ag;gl;L ePq;fs; ifnahg;gkpl;l gpd;G jhd; Gjpa fhg;GWjp ngw;Wf; nfhs;s Ntz;Lk;. ,e;jg; gj;jp -uk; cq;fsplk; Kjypy; cs;s fhg;GWjp jpl;l KftUf;Fk; me;j epWtdj;jpw;Fk; fpilf;Fk;.
vdNt xU Gjpa jpl;lj;ij ngWk;NghJ gioa Kfth;> Gjpa Kfth; ,Uthpd Jk; MNyhridia ngw;Wf; nfhs;tJ ld; vJ rhpahdJ vd;gijAk; mwpe;J nfhs;s KbAk;.
vdNt xU jpl;lj;ij khw;wp Gjpa jpl;lk; xd;iwg; ngWk;NghJ cq;fSf;F vJ rpwe;j jpl;lk; vd;gij ed;whf Muha;e;J KbT nra;a Ntz;Lk;.

;Gwf;...
midifierI ePiuAk; gf;uPupah ;fyhk;.
s; tsh;g; cjph;e;J ;E ntsp ; fhw;wpy;
eak) Vw; ;J cyu
jfSf;F mtw;iw
r air qual- w; $wpa ilgpbg;g Nyhrid e;ijfs;> pUkpfspd; hiu xt; hJfhf;f
;GWjp...
;L nry; uk;gj;jpy; ,wf;Fk; . ,g;gb hprPyid fhg;GWjp nfhs;tJ
;j Kfth; nra;ahj dj;Jld; Kftiu my;yJ opy;GhpAk; d; %yk; hpahdjh s;syhk;.
khw;wk; jpl;lj;Jf; NtWghL Ntz;Lk;. pj; jpl;lk; u gioa ; $lhJ. pfkhdhy; we;jpUe; y; Gjpa ,Uf;Fk;. k; ngWk; ;lj;jpw;Fk; ; cs;s tjw;fhd ;L ePq;fs; fhg;GWjp ;jg; gj;jp fhg;GWjp j;jpw;Fk;
Wk;NghJ ,Uthpd fhs;tJ ; mwpe;J
pa jpl;lk; f;F vJ Muha;e;J
- 67 -





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HAPPY BIRTHDAY
HAPPY B
APPY HAPPY HAPPY BIRTHDAY BIRTHDAY HAPPY BIRTHDAY HAPPY HAPPY HAPPY BIRTHDAY BIRTHDAY HAPPY BIRTHDAY HAPPY BIRTHDAY HAPPY BIRTHDAY BIRTHDAY
BIRTHDAY HAPPY HAPPY HAPPY HAPPY BIRTHDAY HAPPY BIRTHDAY
BIRTHDA
BIRTHD
BIRTH
HAPPY BIRTHDAY
HAPPY BIRTHDAY
HAPP
c∫Ô^ zwÕÁ>flÿƒ_k∫Ôπ[ ∏≈Õ>ÂVπ_ ∂k ̇Ôπ[ AÁÔ©√¶
√›]ˆÁÔl_ ÿkπk ́...
10 kBm¬z‚√‚¶ c∫Ô^ zwÕÁ>Ôπ[ ∏≈Õ>ÂV^ kÚD \V>› ∏ ́∑ ́\Vk>uz c∫Ô^ zwÕÁ>l[ AÁÔ©√¶D, xø© ÿ√B ̇, ∏≈ t[TMfiƒ_ xÔkˆ ®[√kuƶ[ ˇow•^· xÔkˆ¬z >√Vo_ o> ̇° ÿƒFB©√|D 10 zwÕÁ>Ôπ[ AÁÔ©√¶∫Ô^ ∂Õ>Õ> \V>
∏ ́∑ ́\VzD.
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ÔV©AÆ] xÔk ̇ 416.918.9771
759 Warden Ave.Toronto, ON M1L 4B5, Bus: 416-759-5453 x: 407 info@life100.ca
HAPPY BIRTHDAY
oBVÔ>Vƒ[ - ÷ÁƒkVË >D√]lTMˆ[ A>_k[ ÿƒ_k[ ∑ok>[ oBVÔ>Vƒ[ November 19

∫Ô^ zwÕÁ>flÿƒ_k∫Ôπ[ Õ>ÂVπ_ ∂k ̇Ôπ[ AÁÔ©√¶D
√›]ˆÁÔl_ ÿkπk ́...
∏≈Õ>ÂV^ kÚD \V>›]_ ∂k ̇Ôπ[ AÁÔ©√¶D √›]ˆÁÔl_ √¶D, xø© ÿ√B ̇, ∏≈Õ> ]Ô], sÈVƒD, ÿ>VÁÈo√E ÷ȬÔD, ^· xÔkˆ¬z >√Vo_ ∂–©∏ Ák•∫Ô^. Ê‚|ø©∏[ JÈD
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• RRSP • RESP
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jha;tPL • brk;gH 2007
IRTHDAY Y BIRTHDAY
HAPPY HAPPY BIRTHDAY HAPPY BIRTHDAY
HAPPY BIRTHDAY
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HAPPY BIRTHDAY
BIRTHDAY
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HAPPY BIRTHDAY
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AY
HAPPY BIRTHDAY
APPY ÿƒ_k[ oBVÔ>Vƒ[ >D√]lTMˆ[ November BIRTHDAY ∑ok>[ - HAPPY ÷ÁƒkVË A>_k[
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BIRTHDAY
HAPPY BIRTHDAY





Page 109
jha;tPL • brk;gH 2007
MAl;fhg;GWjpj; jpl;lj;ij xU epWtdj;jpy; ,Ue;J NtW xU epWtdj;jpw;F khw;wk; nra;Ak;NghJ ftdpf;f Ntz;bait.
ePq;fs; MAl;fhg;GWjpj;jpl;lk; xd;iw Vw;fdNt itj;jpUe;jhy; mJ rhpahd- jh vd;gijAk;> cq;fs; jw;Nghija Njitfis G+h;j;jp nra;af;$ba jpl;lkh vd;gijAk; mbf;fb ghprPyid nra;tJ mtrpak;. fhuzk; ePq;fs; fhg;GWjpj; jpl;lj;ij ngWk;NghJ ,Ue;j nghUsh -jhu Njitfs; kw;Wk; cq;fs; epjp epiyikfs; fhyj;Jf;Ff; fhyk; khW gLtjhy; cq;fs; fhg;GWjpj; jpl;lk; mjw;F Vw;wthW khw;wp mikf;fg;gl Ntz;Lk;.
cjhuzkhf fdlhtpw;F FbNawpa xU -th; jdpkdpjuhf ,Uf;Fk;NghJ ngw;Wf; nfhz;l fhg;GWjpj; jpl;lk; mtuJ md; -iwa NjitfisAk; trjpfisAk; mbg;gilahf itj;J vLf;fg;gl;l jpl;l -khf ,Uf;Fk;. rhjhuzkhf vk;kpy; gyh; $100,000 nlhyh; ngWkjpahd fhg;GWjpj; jpl;lk; itj;jpUg;gJ tof;fk;. Mdhy; mNjegh; ,g;NghJ jpUkzkhfp Foe;ijfs;> nrhe;jkhd tPL trjpfS
oƒt©A¶[ ÌΩB W ́Õ> ́ g•‚ ÔV©AÆ] (Universal Life Insurance)
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• \V>VÕ>¬ Ô‚¶D ®©o√VmD ∂]Ôˆ¬ÔVm
• 10, 15 ∂_Èm 20 kÚ¶∫Ô^ \‚|o\ √D ÿƒK›> okı|D
• ∂>[ ∏[A Ô‚ΩB √›Á> *·© ÿ√≈ xΩ•D
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zwÕÁ>Ôπ[ cB ̇ Ô_s¬ÔVTM oƒt©A› ]‚¶D (RESP)
ÔTMΩB ∂ ́ETMV_ kw∫Ô©√|D 20 - 40 ƒ>T> \VMB›m¶[ ®\m WÆkTM›>V_ 15 ƒ>T> ƒKÁÔB•D ∂]Ô\VÔ kw∫Ô©√|D. ∂›m¶[ 500 ÿ¶VÈ ̇ Canada Learning Bond ∂ ́ETMV_ kw∫Ô©√| ̨[≈m.
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ÔV©AÆ] xÔk ̇ (Licensed Insurance Broker) 416.918.9771
759 Warden Ave.Toronto, ON M1L 4B5, Bus: 416-759-5453 x: 407
•ÿÔVΩB oÂVFÔ”¬ÔVTM ÔV©AÆ] • ~‚|¬Ô¶[ ÔV©AÆ] • Ák›]
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ghprPyid mwpe;J p Kfth; ;. fhuzk; l;bUf;Fk; tpsq;ff;
$ba mstpw;F njspthf ,Ug;gjpy;iy.
fhg;GWjpj; jpl;lq;fspy; njspthf ,y;yhj rpy tplaq;fs;. vy;yhf; fhg;GWjpj; jpl;lq;fSk; Kjyh
tJ gf;fj;jpy; cq;fs; ngah;> taJ my;yJ gpwe;jjpfjp> cq;fs; fhg;GWjpapd; gyd; ngWgthpd ngah;> fhg;GWjpapd; njhif> khjhe;jf; fl;Lg;gzk;> mj;J ld; cq;fs; fhg;GWjp ngwg;gl;l jpfjp Nghd;w tplaq;fs; Fwpg;gplg;gl;bUf;Fk;.
Date of Issue - fhg;GWjp toq;fg;gl;l jpfjp Policy Number - fhg;GWjp ,yf;fk; Insured Name - fhg;GWjp ngw;wthpd;
ngah; Applicant’s Name (Owner) - fhg;GWjpf;F nghWg;
ghdthpd; ngah;. Face Amount - fhg;GWjpf;fhd njhif Term Life - Fwpg;gpl;l fhyj;Jf;F
kl;Lk; fhg;GWjp Whole life - MAs; KOtJf;F
khd fhg;GWjp Universal life - KjyPl;Lj; jpl;lj;Jld; $ba fhg;GWjp–MAs; KOtJf;Fk; ePbf;Fk; Beneficiary - fhg;GWjpapd; gad;
ngWgthpd; ngah; Cost Type or Monthly Premium- khjhe;jf; fl;Lg;gzk;.
,t;tsT tplaq;fSk; mjpfkhf vy;yhf; fhg;GWjpj; jpl;lj;jpYk; Kjy; gf;fj;jpy; ,Uf;Fk;. ,jpy; cs;s tpguq;fs; ahTk; rhpahf cs;sjh vd;gij ePq;fs; cq; fs; fhg;GWjp KftUld; Nrh;e;J ghp rPyid nra;a Ntz;Lk;. ,tw;wpy; VJk; jtW ,Ug;gpd; fhg;GWjp Kfthplk; fhg;GWjpg; gj;jpuj;ij jpUg;gpf; nfhLj;J jpUj;jq;fs; nra;a KbAk;. fhg;GWjpf;F nrhe;jf;fhuh; (Policy Owner) kl;LNk fhg;GWjpapy; khw;wq;fs; nra;ayhk;. vd -Nt fhg;GWjpapd; chpikahsh; ,we;J tpl;lhy; mjd;gpd;G fhg;GWjpj; jpl;lj;jpy; xU khw;wKk; nra;a KbahJ.





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2008y; tPl;bd; tpiy tPo;r;rpailAkh? my;yJ kPz;Lk; tpiy $Lkh vd;gJ ,d;W ek;kth;fs; gyUf;F Vw;gl;bUf; Fk; re;NjfKk; Nfs;tpAkhFk;.
CMHC (Canadian Mortgage and Housing Corpororation ),d; jftypd;gb 2008y; tPl;L tpw;gid (tpiy my;y) 3.9 tPjj; -jpdhy; Fiwayhk; vdTk; ,J ,uz;lh tJ mjp$ba tpw;gidahf rhpj;jpuj; -jpy; fUjg;gLk; vdTk; $wg;gl;Ls;sJ. mjhtJ 2007k; Mz;L rhpj;jpuj;jpy; Kjy; ,lj;ijg; ngw;Ws;sJ. 2007k; Mz;by; 521>000 tPLfs; ifkhwg;gLk; vdTk; ,J 2008,y; 500>000 Mff; Fiwayhk; vdTk; fUjg;gLfpwJ. 2007k; Mz;by; fdlhtpy; tP;lbd; tpiy 10 tPjj;jpdhy; mjpfhpj;Js;sJ. ,e;j tpiy cah;T 2008,y; 4.2 tPjkhfNt fhzg;gLk; vd -Tk; me;j mwpf;ifapy; $wg;gl;Ls;sJ.
,e;j tpiyAah;Tj; jsh;r;rpf;Ff; fhuzk; tPl;bd; tpiy Njitf;F mjpfkhf ,e;j Mz;L mjpfhpj;Js;sikNa MFk;. ,e;j Mz;bd; gztPf;fj;Jld; xg;gpLk; NghJ ,J mjp$bajhfNt fUjg;gL fpwJ. ,jdhy; mLj;j Mz;L tpiy cah;T Fiwthff; fhzg;gLk; vdf; fUjg;gLfpwJ.
fdlhtpd; Ntiyaw;Nwhh; (unemploy- ment rate) tPjk; 50 tUlq;fspy; mjp Fiwthf fhzg;gLtJ ,e;j Mz;bd; tpiyAah;Tf;F xU fhuzkhFk;. ,e;
nry;th nry;tj;Jiu
- tPL tpw;gid Kftu; -
2006 Actu
Total hou
Total sing
Total mult
Total MLS
Average M
Newfoun
Prince Ed
Nova Sco
New Brun
Quebec
Ontario
Manitoba
Saskatche
Alberta
British Co
2008y; tPl;L tpiy tPo;r;rpailAk
epiy tUfpd;w tUlKk; njhluyhk; vd vjph;ghh;f;fg;gLfpwJ. 2008,y; Gjpa tPLfs; fl;LtJ Fiwthff; fhzg;gLk; vd vjph;ghh;f;fg;gLfpwJ. ,J epfOk; Mz;by; 227>530 MfTk; tUfpw Mz;by; 224>000 MfTk; ,Uf;Fnkd vjph;ghh;f; -fg;gLfpwJ.
xd;uhwpNahtpd; nghUshjhu epiy ,e;j Mz;il tpl rw;W ey;yjhfNt ,Uf;Fnkd vjph;ghh;f;fg;gLtjhy; ,q;F tPl;Lj; Njit mjpfhpj;Jf; fhzg;gLk; vd vjph;ghh;f;fg;gLfpwJ. MdhYk; Gjpa tPLfs; fl;LtJ FiwthfNt fhzg; -gLk; vdTk; vjph;ghh;f;fg;gLfpwJ. xd;uhwpNah tPl;L tpiy 2007,y; 6.2 tPjk; MfTk; 2008,y; 3.3 tPjk; MfTk; mjpfhpf;fyhk; vd ,e;j mwpf;ifapy; $wg;gl;Ls;sJ.
Mf ,e;j mwpf;ifapy; Nkw;Fwpg;gpl;l jfty;fisAk; (Forecast) ,d;W fdlh -tpd; nghUshjhu epyikfisAk; itj;J ghh;f;Fk;NghJ tPl;L re;ijapy; ve;jtpjkhd ghjfkhd tpisTfSk; tu tha;g;gpy;iy. mNdfkhNdhhpd; ftiy ,d;W fNdba nlhyh; rk;ge;j khdjhfj; jhd; ,Uf;fpwJ. mijapl;L nghpJk; tUj;jg;glj; Njitapy;iy. ,jdhy; $ba tpiutpy; ,q;F tpw;fg; gLk; nghUl;fspd; tpiy Fiwthf fhzg;gl tha;g;G cs;sJ. ,jdhy; gztPf;fk; Fiwe;J fhzg;gLk; vdTk; vjph;ghh;f;fg;gLfpwJ.
gztPf;fk; Fiwthf fhzg;gLk; gl;rj; jpy; Bank of Canada (fdba tq;fp) vkJ tl;b tPjj;ij mLj;j Mz;L Fiwf;f yhk; vd vjph;g;ghh;f;fg;gLfpwJ. tl;b tPjk; XusT FiwAkhdhy; tPl;Lr; re;ij
rw;W RWR

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jha;tPL • brk;gH 2007
jhluyhk; y; Gjpa hzg;gLk; epfOk; Mz;by; vjph;ghh;f;
epiy ;yjhfNt hy; ,q;F hzg;gLk; Yk; Gjpa fhzg; ;gLfpwJ. 7,y; 6.2 ; MfTk; pf;ifapy;
;Fwpg;gpl;l ;W fdlh fisAk; e;ijapy; sTfSk; hNdhhpd; h; rk;ge;j ijapl;L apy;iy. tpw;fg; Fiwthf ,jdhy; k; vdTk;
k; gl;rj; ;fp) vkJ Fiwf;f J. tl;b r; re;ij
rw;W RWRWg;ghfNt fhzg;gLk; vd;W fUjyhk;.
National Housing Outlook
Key Housing Market Indicators
2006 Actual
2007 Forecasts
2008 Forecasts
Total housing starts(units) 227,395 220,0001 207,2001
Total single-detached houses 121,313 113,6001 104,1001
Total multiple housing units 106,082 106,4001 103,1001
Total MLS* sales 2 483,223 514,4001 494,8001
Average MLS* selling price($)2 277,020 304,5001 320,3001
Provincial Housing Outlook
Total Housing Starts
2006 Actual 2007 Forecasts 2008 Forecasts
Newfoundland and Labrador 2,234 2,100 2,025
Prince Edward island 738 625 590
Nova Scotia 4,896 4,475 4,300
New Brunswick 4,085 3,750 3,625
Quebec 47,877 48,100 45,000
Ontario 73,417 66,950 64,500
Manitoba 5,028 5,500 5,250
Saskatchewan 3,715 5,700 4,900
Alberta 48,962 47,300 44,500
British Columbia 36,443 35,525 32,500





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jha;tPL • brk;gH 2007
www.inayam.ne
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jha;tPL • brk;gH 2007