Merritt British Columbia Canada tourism and travel adventures in and around the Nicola Valley.

Fall Photos In Logan Lake BC

Autumn Photos are best in Logan Lake BC

Family time in the outdoors during the “Changing of the Colours” 

Photos in Logan Lake during the autumn season is a must for any local and visiting family. If you are looking for a rugged and woodsy backdrop for your fall family photos then come and visit my small town in the back country of British Columbia, Canada. Logan Lake BC is a lovely location for creating family memories with its vast greenery and scenery.  

Family Fall Photos

Family – A Little World Created By Love

Logan Lake BC The Place To Be For Beautiful Scenery

Logan Lake Abounds With Beautiful Scenery

Taking Photos in Logan Lake BC 

Fall Photos in Logan Lake BC are amazing! Whether your planning on booking a professional family photographer or feeling spontaneous. Fall photos in Logan Lake BC will be special memories that you will treasure for years to come. We have no guarantee on tomorrow’s health, wealth and/or happiness.

Family is Priority

Choosing to show up as is has always been crucial for me. This is us, this is us now. Living and loving in the moment. Lastly taking the time to celebrate life and how far you have come is always in my forethoughts in why I am motivated to make family photos a priority. 

Maggs Park Logan Lake B.C.

Collect Beautiful Moments

Professional or A Spontaneous DIY

Logan Lake British Columbia

Every Picture Tells A Story

If you are feeling a little unsure with your camera or have a ton of little people for creating photo moments, I am sure you will never regret hiring a professional photographer. Be sure to do your research and build a repour. Logan Lake has a nice selection of photographers if you are looking to book one in our location. However, sometimes your feeling creative or your out on a walk and the sun and the leaves are cooperating. This is when I like to take advantage of that beautiful spontaneous moment and capture it. Self timers and a tripod can be so handy and can produce happy memories that bring smiles to your faces for years to come. 

Photography in British Columbia

The Best Things In Life Aren’t Things

 

Canadian Family

Today’s Little Moments, Become Tomorrow’s Precious Memory’s

 

Logan Lake Photography

This Is My Happy Place

How Do You Get Them All To Look?

However, it is important to remember to do your best and have fun. Don’t take yourself too seriously. I feel like I always have to remind myself of that fact also. Just remember that you are capturing moments of happiness. Its ok if someone’s maybe looking off into the distance, or having a giant belly laugh. You’ll want those pictures maybe more so as you age.

My Secrets to Fall Photos in Logan Lake

One trick I have learned, at least, when taking photos of my kids, is sometimes I will just hit record with my iPhone and film them posing. Assuredly just talking to them, ask them to smile or say a joke will most likely get me the results I’m looking for. Usually in that split second of me saying smile they all do. Then I go to the video and drag my finger along over the pause button. If I find a good “pause” with all of the kids looking and smiling. I will then tap the photo to take off the boarders, and just screen shot it. Ta-Da! Easy photo!

Photo Editing & Memory Keeping

Family Photos In Logan Lake British Columbia

And Together They Built A Life That They Loved

With out a doubt I always use Costco for all my photo developing needs. Weather its getting a birth announcement together, making photo books, or just developing photos. Don’t be surprised if you see some of these photos on our Christmas card this year. Assuredly  making photobooks to gift to the family at Christmas has been a lovely tradition to hold onto. In addition I always tweak my photos with an photo editing app. I love using the Lightroom App on my Android. Just because I enjoy the stock presets that they have and the fact that I can create and save all my own presents for free. Photo editing is a great way to add more light, play with shadows, make colors more vivid. 

Canadas Cutest Baby

The Days Are Long, But The Years Are Short

 

Family Photos In Canada

You’ll Outgrown My Lap, But Never My Heart

In Closing 

Logan Lake is a lovely town. It is my home town filled with some breathtaking locations for some amazing photos. Many of our parks have lake and some include Maggs Park and Tunkwa Lake Provincial Park.

I hope you’ll consider stopping by and making some fun memories and taking some pictures. I’m so thankful you took the time to stop and read my blog, My name is Jennifer, a mother of 7 little ones, homeschooling and living in Logan Lake B.C. with my husband Kyle. Together we blog with the Experience Nicola Valley Bloggers

 

Autumn Colours in Merritt BC

Nicola Valley Bloggers

 

Merritt British Columbia Canada Top Travel & Adventure Guides

“Experience Community Program” (small and rural community authentic content marketing program) is a product of the EH? Tourism Marketing Group. Contact us for more information on this program at media(at)ehcanadatravel(dot)com.

Arts in Merritt on the Move

New Location for the Nicola Valley Community Arts Council

The Arts Will Grow

After 15 years at the Old Courthouse Gallery on Nicola Ave (Hwy8), the Nicola Valley Community Arts Council and the Old Court House Gallery have the arts on the move in Merritt, BC.  In 2005 the Old Courthouse was purchased by a local doctor  with the idea of  turning it into a cultural space,  which would provide a home to the Nicola Valley Community Arts Council, a music society and a dance studio.  However the Council has decided it is time to move on.

Old Courthouse Gallery

Old Courthouse Gallery – Bev Veale Painting

The Old Court House Gallery

The Old Court House was a major step forward for the Arts Council because for many years they had no permanent home.  At this time,  their major project was the Performing Arts Series which brought many great musical concerts to town. The visual arts were handled by the Nicola Valley Visual Artists where Community art displays were generally relegated to their annual Art Show which was held at the Merritt Civic Centre. It was therefore, not necessary to have a permanent home Fortunately the Courthouse allowed the Community Arts Council to have a bigger presence in the community.  For example, the current Arts Gallery Director, Jano Howarth gives a summary of the many activities carried out at this venue.

Arts in Merritt BC on the Move

The Courthouse building was sold and so that made the future use of the building uncertain. Consequently the Arts Council determined that the time was right to investigate a new location. Ultimately they were looking for a space that had high visibility, in the downtown core and large enough to provide gallery space, program space and an artisan shop.  As a result their search led them to the Jackson Building (for the old timers, the Post building for us newbies) at the corner of Voght and Nicola. 

Arts in Merritt BC

Arts on the Move – New Home of Nicola Valley Community Arts Council

The New Home Fits the Bill for Arts in Merritt

Location was one of the primary considerations in the move.  As such this makes  the building on the corner of the main

entrance to downtown at the corner of Voght and Nicola, the perfect location.

Gallery Space, Program Space and an Artisan Shop

The New Gallery

The new gallery is bright and airy and therefore is a great space for showing  off the Artists’ work.

The New Gallery for arts in merritt bc

The new Gallery

 

Program Space

Space for programs was important as this is an area that the Council wants to expand on.  Currently the picture shows the size of the room that will be used for programs but does not reflect the current condition of the space as this was taken before the move was complete.  However,  you can see that there is ample space.

New Activity Room

New Activity Room

Artisan Shop

The Artisan Shop has benefited from the new location.  While in the Old Courthouse it was tucked away in a back room and was out of site, in the new space it is front and centre and therefore, has more space to display the contributions of over 20 Nicola Valley artisans and crafters.

Artisan Shop for arts in merritt bc

Artisan Shop

Therefore the new location looks like it will be a great success for the community at large and in particular our local network of artists.

Arts on the Move – The First Show

Consequently, the opening show in the new space features Jean Kiegerl and Twin Willows Glass Arts.

Meet Jean Kiegerl

Jean Kiegerl

Because of  her leadership and with a strong group of volunteers the Arts Council has flourished. Currently, her legacy is  being carried on by the new Arts Council president, Mischelle Pierce.

 Jean is also a family friend, as  my wife and her spend many hours together painting and collaborating.  As a result, I like her work so much I have one of her originals hanging in my hall.

Quiilchena Falls-Jean Kiegerl Painting

Quilchena Falls – Jean Kiegerl Painting

 

Jean has produced work in water colours, acrylics and now oils which she prefers.

“I love the vibrant colours you can get with oil paints”—Jean Kiegerl

Clearly this can be seen in her painting of the red sports car that is on the poster for the show.

Red Car

Red Car-Jean Kiegerl Painting

Twin Willows Glass Arts

Glen and Susan Parkinson are the creative minds behind Twin Willows Glass Arts. They have been producing great work out of their studio for more than eight years.  Incidentally they work in a variety of styles which includes, leaded stained glass, fractured glass on glass mosaics and fused glass.

Panda-Twin Willows Glass Arts

Panda-Twin Willows Glass Arts

Arts on the Move in Merritt, BC will be a Success!

Lastly, with this new location, a heightened enthusiasm by the volunteers and with a high visibility location the future looks bright.

Old Courthouse Gallery Contact Info

Nicola Valley Arts Gallery

2051 Voght St, Merritt, BC

New Hours Wednesday to Saturday

12 noon to 6 pm

Sunday 12-4pm

(beginning Oct 21st)

nicolavaleyartsgallery@gmail.com

Phone 250-315-3437

Or text 250-315-3437

 

Arts in Merritt BC

Nicola Valley Art Gallery is Born

 

Merritt British Columbia Canada Top Travel & Adventure Guides

“Experience Community Program” (small and rural community authentic content marketing program) is a product of the EH? Tourism Marketing Group. Contact us for more information on this program at media(at)ehcanadatravel(dot)com.

Estate Planning in Merritt BC

A Holistic View on Estate & Insurance Planning in Merritt – Kamloops -Logan Lake 

The Second Pillar of Financial Planning

Estate Planning in Merritt, BC – Life is full of unexpected turns and twists. Because of that, we need to have a plan in place. Here we focus on developing comprehensive strategies that protect, preserve and provide for those that we care about. What is in place to protect our income and wealth? On our passing, is there enough liquidity in our estate? Is our will up to date? Is the executor and power of attorney we selected up to the task? If we could no longer work and were not an ideal retirement age, how would our retirement look?

familyinsurancemerritt

Great care needs to be taken to ensure the needs are all protected and fulfilled.

A Quick Disclaimer…

Some of the strategies that I will discuss are not to be taken as advice for your unique needs. I strongly suggest that you speak to a qualified professional.  These are complicated issues and not to be taken lightly. Being dually licensed in Mutual Funds and Insurance, I look at the big picture when it comes to making recommendations. 

Some Basic Assumptions to Begin Financial Planning

To begin, every financial plan looks at a couple main points. We start with a desired retirement date and a projected date of passing. For some, this number may be larger than others. Family history and current health are indicators of potential life expectancies. For the most part, I look at tables and project that way. A truth we must face, some of us will live to be 90 and even 100 years old.

A Shocking Canadian Statistic

Protecting Our Income and Our Wealth

Play along with me for a moment. Imagine yourself 45 years old. You are in the prime earning years of your life.  With possibly 20 years to go until retirement, many things are on your mind. Funding our children’s future education goals, paying off that mortgage and investing for retirement most likely top that list. You receive a call, letting you know your spouse was in a serious car accident. They unfortunately will not survive their injuries. I know this may seem grim, however, this is a part of life for some. This event was one of two things, planned or unplanned. Having a policy in place to protect against such an event will make all the difference for that surviving spouse and those children. 

Estate Liquidity Needs

When an individual passes, expenses come up out of no where that need to be covered by someone. Assets like a primary residence or an investment account will not be available right away to help cover some of these expenses. If there is no will in place, your loved ones may have to cover your expenses for months to come before the courts will actually grant someone the ability to simply act as your administrator. With accounts frozen, these expenses will have to be paid out of pocket by someone else. Not exactly the lasting memory we wish to leave behind. However, a simple beneficiary designation in the correct direction or a life policy could change this whole story.

Estate Planning in Merritt and Trust Advisory (Wills/POA)

Your last will and testament is an important thing to have in place. However, just as important is who you name to carry out your last wishes. Is this executor or executrix up to the task? With your passing, could you see them being mentally and physically able to carry out this task? Not exactly something we want to take lightly. Trusts are a complicated topic as well and the situation needs to warrant having something like this in place. Split families and second marriages bring a level of complexity to the estate planning process also. The wording needs to be very accurate to ensure your wishes take place. 

Living Benefits (Disability/Critical Illness/Long Term Care)

What would happen to our family if we were injured before retirement? This can have a massive impact on an individual or a family. What happens when one no longer has the ability to meet our current expenses, possibly even having expenses increase? What if a medical diagnosis or disease left us unable to earn a living for ourselves? There are so many situations that can be planned for. Ensuring we have proper coverage at different parts of our life is vitally important. Would our significant other be able to live comfortably if we needed long term care?

Ensure Your Plan Prepares You For The Unexpected

Experience Nicola Valley Financial Blogger

 

Estate Planning in Merritt BC

 

Merritt British Columbia Canada Top Travel & Adventure Guides

“Experience Community Program” (small and rural community authentic content marketing program) is a product of the EH? Tourism Marketing Group. Contact us for more information on this program at media(at)ehcanadatravel(dot)com.

School Snack Ideas and Recipes

My Best 5 School Snack Ideas!  

Being a mama of 7,  our house runs on snacks. I  hope you enjoy my 5 back to school snack ideas! Nutritious and delicious. 

 So this week I decided to share with you our school snack ideas! Consequently it is back to school season. Therefore it is a great time to share school snack ideas that my family comes back to again and again. I think these snacking suggestions would be great for anyone, home schooled or public schooled. Assuredly these are some great options if you are hungry and need something to tie you over until your next meal.

Plant Based School Snack Ideas

I love using plant based treats for snack time. These snacks come loaded with healthy grains,  nuts and seeds. Add  in healthy fats like coconut oil or delicious nut butters and you have a sticky and satisfying snack time. In conclusion I feel these plant based snacks have all  the makings for the perfect school snack. 

school snack ideas in Merritt

School Snack Idea #1 Chocolate Hummus

Hummus is a great one to lead with for school snack ideas. A different spin on a good classic staple. Hummus is great any time of the year. I love keeping a batch fresh and ready to spread on tortillas or rice cakes. That is where chocolate hummus comes into play. Decadent and dark, enjoyed with fresh fruit or pretzels this is a crowd pleaser. In addition to dates being a sneaky health building sidekick, binder and tasty thickener – they are high in fiber and may promote brain health. Which makes them a easy go-to for an after school snack.

Hummus

Unexpectedly Yummy

Chocolate Hummus Recipe

1 Can Chick Peas ( microwave for 3 mins to cook) 

6 Dates (more or less – depending on how much sweetness you are looking for)

1/2  Cup Cocoa Powder 

1/4 Cup Honey or Maple Syrup

Pinch of Sea Salt 

1/4 Cup Tahini Paste ( If you do not have any of this on hand, you could always use peanut butter or maybe almond butter)

Blend in your food processor  taste and enjoy! I recommend trying this a few times before you say you love it or hate it. It does have a “beany” taste some may pick up on. But I would say, don’t give up on it if they first batch is a bust. In conclusion I know my kids love this now. But did take some effort to warm up to the idea. I am ecstatic I can add it to my school snack idea rotations.

School Snack Idea #2 Fruit, Veggies & Protein

School snack ideas is not complete with out these three. For example, I keep fruit and veggies stocked up in this house. I was recently listening to the audio book “Atomic Habits” and in the book the author was talking about replacing cookies to fruit in your cookie jar. This was something I did years ago when my kids were little. I counted this as a win. 

Easy Kid Meals snacking

Un-Bear-Ably Cute

Previously, the sight of the cookie jar made me want a cookie.  Or my toddler would want a cookie. Since replacing the “cookie” with fruit. Our eating habits have improved as well as our waistlines. For us a easy protein is always nut butters or hummus. In addition a small handful of almonds or walnuts is also a great way to get some healthy fats and protein. This un-bear-ably cute snack was created with sliced “banana pennies”, peanut butter and tasty blue berries. 

School Snacks ideas for kids

Fun Food Kids Will Ask For Again & Again

Snack Idea #3 Treat balls

School snack ideas cant be complete with out these super simple and easy to do treats. I love making a huge batch of these and enjoying some right away. But then also tucking the rest away in the freezer. Perfect for when a sugar craving hits, or you need some easy protein after a work out or intense trip or as a reward for not buying the cookies you were eyeing at the supermarket. I personally love to use them as a way to get our daily flax seed intake in. Flax is delicate and can loose effectiveness if heated to high temperatures . So I feel the best way to enjoy it is either in a fresh smoothie or eating in a raw tasty treat ball. I like to store my flax in the freezer for freshness, it can go rancid if left in the cupboard for too long. 

Snack Idea #4 My Home Made Granola Bars

These are a great school snack idea! Granola bars always are a hit! They are perfect for adding into lunches or ready to go when you want to hit the trails and go on an adventure. So easy to have it ready for when you need some quick and easy inexpensive energy. I have made these bars for years. And have played around with different flours. You can always add an extra egg or add more apples sauce or even a banana if you use a flour that is more dense like whole wheat or spelt. 

Healthy Kid Snacks for school

Healthy Kid Snacks

Jens Granola Bars Recipe

2 1/2 Cups of rolled oats                                        

1 cup of flour

1/3 cup of brown sugar

1 egg

1/2 cup of apple sauce 

1 cup of ground flax seed

pinch of sea salt 

1/2 cup of honey

1 tablespoon of vanilla extract

1 cup of  either trail mix, chocolate chips, pumpkin or sunflower seeds, raisins and white chocolate chips, dried fruit. 

Oven; 350 degrees F ( 175 degrees C)

Kid Approved School Snacks Ideas

Granola Bars Are Always A Treat!

Stir oats, flour and ground flax seeds, brown sugar, and salt together in a large bowl. Make a well in the center and add your egg, honey, apple sauce, vanilla. Stir until evenly combined. Pour mixture into a 9X13-inch baking dish, pat down and smooth evenly . Bake in pre-heated oven until golden and set. About 25 mins. 

Snack Idea #5 Roasted Chick Peas 

Simple Snacking for Toddlers

Easy for little fingers to handle also.

These are a great after school snack. Chickpeas are high in protein and fiber, and offer a good dose of iron while stabilizing your blood sugars. So all in all a great snack to reach for in the afternoon. I love to make a big batch of these and add to snack time or as a side to our lunches. These are super yummy sprinkled over salads here are a few recipe ideas to get you as excited for these as I am. I always bake mine in the oven, But I could see owning something like an air fryer might be pretty great for this healthy treat! 

Roasted Chick Peas school snack ideas

A tasty snack.

Doritos – This looks like a tasty option if you have a craving for chippies but gotta cut back. 

Basic  – This is an easy basic recipe to get you started. 

Cinnamon Sugar  – If you are looking for a healthier option for a sweet treat. This is also a tasty way to enjoy! 

Ketchup – We call our chickpeas “nibbles” due to using this cookbook. The ketchup version is so delicious. We have a bunch of ketchup lovers in this house so this satisfies the craving asap! 

In conclusion

 I hope you enjoyed my mash up of some of our favorite school snack idea’s! Its exciting to be blogging with the Experience Nicola Valley Bloggers! We are always so thankful when you stop by.  If your curious about getting to know me and my family a little more you can read this post. To learn how we do life with a large family. And you are always welcome to follow along with us on Instagram.

Login Lake BC Canada

Recipes for School Snacks

Recipes, ingredients and directions for 5 snacking ideas for school. 

 

Merritt British Columbia Canada Top Travel & Adventure Guides

“Experience Community Program” (small and rural community authentic content marketing program) is a product of the EH? Tourism Marketing Group. Contact us for more information on this program at media(at)ehcanadatravel(dot)com.

Merritt BC Birdwatching & Wildlife Watching from Home

Photo’s of Nature  During Covid19 Merritt Canada

“From my home, my backyard, there is a whole world of activity opening up to my eyes that I may have taken for granted before Covid 19.”  

 

Merritt BC birdwatching and wildlife watching from my backyard in the Nicola Valley has really opened my eyes up to how fortunate we are as Merrittonians.  However, being isolated during Covid19 may make a person a bit “Bat Crazy” therefore finding things to do can be tricky especially when you have children. 

Merritt BC birdwatching through Photography

Grab your camera, phone or art paint and head outdoors into Mother Nature is one option to consider. Almost every day I spend a couple of hours taking photo’s of nature during Covid19 in Merritt, Canada.” I like to experience the beauty of the Nicola Valley backyard “Critters” during isolation through photography.

Not Merritt BC Birdwatching

Happy Squirrel that loves to living in Canada. Photo by Tania Stewart

Enjoying Merritt nature during isolation.

Finding things to occupy yourself during this time can be trying at times. I combine my passion for photography and nature to be my therapy during the pandemic. Consequently, I often find myself wandering my backyard for a photo moment. Admittingly I am not a pro at taking photos, but these pictures will forever be a reminder of this time in my life.  

Albeit when standing guard for your peanuts! 

Photo's of Nature Nature During Covid19 Merritt, Canada.

Photo’s of Nature During Covid19 Merritt, Canada. Merritt Nature During Isolation. Photo by Tania Stewart

merritt bc birdwatching

Hanging on. Nature Around My Yard During Isolation. Photo by Tania Stewart

birdwatching in merritt bc canada

Backyard Feeding Nature During Covid19 Merritt. Photo by Tania Stewart.

Types of squirrels

Canada is home to 22 different types of squirrels. Six of these are ground-dwelling, four live in trees, and two are varieties of flying squirrels. Can you count flying squirrels as Merritt BC birdwatching? Probably not. Common ground squirrels have thin tails and hibernate through winter, while bushy-tailed tree squirrels are active year-round.

Life as a Squirrel

Tree squirrels build nests, living amongst branches and within tree hollows. Ground squirrels do the opposite. They dig  burrows to reside underground. All squirrels use their tails for shade during warm weather, warmth during the winter, and balance when climbing or jumping. Here is a link to learn more about squirrels –  Backyard friends.

Photo's of Nature Nature During Covid19 Merritt, Canada.Merritt

Fast n Furious! Photo by Tania Stewart

They help plant trees

While they can be a nuisance to gardeners thanks to their fondness for flower bulbs, squirrels play an important role in forest regeneration.  As winter approaches, squirrels prepare by burying nuts and seeds to help see them through. Inevitably, some of their stash will be forgotten and germinate in the spring.

backyardPhoto's of NatureWaiting its turn for the birdfeed. Photo by Tania 
merritt bc birdwatching

Spring is here! Robins are back. Image Tania Stewart

 

The crow family (Corvidae) is a large family of birds that includes jackdaws, choughs, jays, magpies and nutcrackers as well as crows and ravens. The crow family represents one of the most advanced stages of avian evolution, showing, for example, a highly developed intelligence and a complex social organization. 

Photo's of Nature Nature During Covid19 Merritt, Canada.Crowmerritt.

Standing guard over his nest. Image Tania Stewart.

Caw to the Crow.

Crows will jointly defend space with a lifelong mate and displays their status with the rest of the flock, as well as, warns all fellow crows when danger is afoot. Furthermore, here is another interesting fact,  crows recognize human faces!

birds of merritt bc canada

My friendly Crow. Image Tania Stewart.

OK I admit I love Crows!

crows are birds too

Image Tania Stewart.

Merritt BC Canada backyard birdwatching includes Robins!

Robins feed extensively on insects, insect larvae and earthworms but also consume fruits and berries in season and are considered bird pests in many areas. The robin is widely found in many parts of Canada. Birdwatchers tell us the robin is migratory in most parts of the country however, it may winter or attempt to winter in some of the southern parts of most provinces. 

When you spot a “Robin” spring is here! Tania Stewart

Merrittrobins

Welcome back! Image Tania Stewart

The call of the Morning Doves

The mourning dove gets its name from its low, mournful “ooo-Ahhh crooo-ooo-ooo” call, though other calls include a low, rapid coo when in distress and a rapid, high wing whistle when the birds take flight.

birdwatching in nicola valley

Apples are great! Image Tania Stewart

It’s a Birds Paradise! 

backyrad birdwatching in merritt

Waiting for feed. Image Tania Stewart

Taken in some shade! Image Tania Stewart

During Covid19. All bird feeders are open.

birding in merritt

Backyard friends. Image Tania Stewart

merritt birdwatching

Two legged prowler! Image taken by Tania Stewart

birdwatching in the nicola valley

Birds are always singing. Image Tania Stewart

 

Deer are always welcome to visit during Covid19.

Being a deer is an even-toed ungulate, deers are grazers  and browsers (eating shrubs and woody plants). Deer also have a four-chambered stomach making them ruminants. The process of ruminal fermentation allows deer to partially digest complex carbohydrates that other mammals cannot – this means that almost all vegetation is available to deer as a food source.

deermerritt

Image taken by Tania Stewart.

Furthermore Oliver

Oliver the cat truly enjoys being outside and birdwatching in my backyard here in Merritt BC.

Oliver loves the Outdoors! Image taken by Tania Stewart.

To tell the truth even Oliver takes in the sights with wonderment! Tania Stewart

Additionally you may run into this little critter!

As a result of using high zoom, I was able to capture this cool creature. Consequently,  those green looking leaves are decorative Christmas fur on the outside railing of my home. Got to just love Insects.

Small but adorable. Image taken by Tania Stewart.

Nature During Covid19 in  Merritt, Canada

This is how I find some balance during this time during the pandemic. Therefore, almost every day I spend a couple of hours during the day taking photos.

Merritt BC Birdwatching

Wildlife Watching from Home

Adventures and activities in British Columbia Canada

 

Merritt British Columbia Canada Top Travel & Adventure Guides

“Experience Community Program” (small and rural community authentic content marketing program) is a product of the EH? Tourism Marketing Group. Contact us for more information on this program at media(at)ehcanadatravel(dot)com.

Outdoor Berry Picking in Merritt BC

Picking Berries in the Nicola Valley, Spring, Summer and Fall 

Outdoor family fun while picking berries around Merritt BC

 

As a consequence of the Nicola Valley’s dry climate we have many  berries 

Outdoor Berry Picking in Merritt BC –  Celebrate this time of year with your family and head out on a wild berry picking adventure in Merritt BC. Harvesting wild berries can strengthen your connection to the land and it is a great opportunity to be active outside with family and friends. Not to mention how great those berry’s will taste, after all everything tastes so much better when you’ve harvested it with your own hands. First Nation traditional foods in Merritt and throughout the Nicola Valley consisted of berries like Saskatoon berries, huckleberries, choke cherries and soap berries. So many Canadian Berries! Outdoor berry picking around the Nicola Valley can make a bad day into a good day one berry at a time. 

“A picking here, a picking there, here a pick, there a pick, everywhere a pick-pick.” Berry quotes.

Outdoor Berry Picking Merritt BC.

Can you almost taste it? Photo by Tania Stewart.

Outdoor Berry Picking Merritt BC.

My favourite, raspberry! Photo Tania Stewart.

Strawberry’s along with Raspberry’s Make For Good Outdoor Berry Picking Merritt BC

Albeit summer is truly a time of picking fresh berries. Whether in your garden or in the wild. Eating faster than you pick,  hands stained with juice, and smiles of enjoyment. Hard to imagine, but you can enjoy the ancestors of our modern-day ruby red strawberries in our wild meadows, roadsides, woods and coastline. British Columbia has native strawberries throughout, just waiting for you to pick and enjoy their a burst of sweet flavour.  

Outdoor Berry Picking Around The Nicola Valley, Spring, Summer and Fall

https://curious.royalbcmuseum.bc.ca/native-strawberries-wild-ancestors-of-our-delicious-cultivated-fruit/

Outdoor family fun time picking wild berries around Merritt BC 

You can find wild strawberries almost everywhere in our province except in Haida Gwaii (the Queen Charlotte Islands), though it is much more common in the interior than along the coast. Indeed almost any open habitat, except bogs, supports wild strawberries, but the most favoured habitat has to be the open roadside, where clearing and scraping have created an ideal growing environment.

https://curious.royalbcmuseum.bc.ca/native-strawberries-wild-ancestors-of-our-delicious-cultivated-fruit/

Wild strawberries make excellent jam as well the leaves can be used for anti-diarrhea. but getting enough berries is a challenge.

Outdoor Berry Picking Around The Nicola Valley, Spring, Summer and Fall

Canned Jam. Photo Tania Stewart.

Outdoor Fun Time Berry Picking in Merritt BC.

Leaf form and texture are helpful in identifying native strawberries. Many teeth typically line the edge of strawberry leaflets. Wild strawberry leaflets are often bluish green and the terminal tooth of each leaflet is usually shorter (smaller) than or equal to adjacent teeth. Wood strawberry has a terminal tooth that is larger and longer than adjacent teeth. Wood strawberry leaflets tend to be a bit softer and more yellowish than wild strawberry leaflets.

If you like to pick berries. Then you’ll want to know how to identify a few of these tasty treats. Tania Stewart.

Red Current Berries.

Firstly Red Current Berries can easily be identified due to their bright translucent red. Secondly , they are sour but palatable, even more sour than black currant’s. Thirdly, plant’s are about waist high. They tend to be growing in swamps, moist coniferous forests and rocky mountain slopes. Bring your bug spray along with H2O on every berry picking adventure.

Flowering/Red/Black – The berries, flowers and leaves are all edible. The berries make a great sauce for duck especially when combined with oranges as a marmalade.

Outdoor Berry Picking Around The Nicola Valley, Spring, Summer and Fall

Red Current.. the blossoms are tasty too.

Wild Blueberry

Additionally, wild blueberries are smaller than the commercial berries, but very delicious. Wild blueberry can be confused with blue huckleberries, but both are edible. Throw some of these tasty berries into your salad. Blueberries are the king of antioxidant foods, low in calories but high in nutrients. May help protect against aging and cancer. It is hard to argue with the strength of the “Blueberry”.

Blueberries.

Not to mention 

Berries have been an important part of First Nations and Aboriginal culture in BC for thousands of years. They have been used for both food and medicine. As a food, wild berries are nutritious and delicious. They can be eaten out of hand, tossed into a salad, added to baked goods, or be turned into jam or jelly. Bannock slathered with wild blueberry jam! Can you taste it now.

Saskatoon Berries

Saskatoon berries.

Berries are wild

Wild berries thrive in many different climates throughout Canada Eh.  They’re packed with nutrients and powerful plant compounds. Though wild berries can be tart, they’re quite versatile and can be enjoyed in many ways. Wild huckleberries grow in mountainous regions, forests, bogs, and lake basins in Northwestern America and Western Canada. The berries are small and either red, blue, or black. Ripe huckleberries are fairly sweet with a little tartness.

What about Choke Cherries?

First Nation traditional foods in Merritt and throughout the Nicola Valley consisted of berries like Saskatoon berries, huckleberries, choke cherries and soap berries. Gerome Garcia.

Chokecherries I picked. Photo by Gerome Garcia

In Conclusion.

Come enjoy our sunshine and outdoor berry picking around Merritt BC. Celebrate this time of year with gathering up your family and head out on a wild berry picking adventure. Harvesting wild berries can strengthen your connection to the land and is a great opportunity to be active outside with family and friends. Not to mention how great those berry’s will taste, after all everything tastes so much better when you’ve harvested it with your own hands.  

When berry picking there are a few rules you should follow. Firstly, leave no trace behind. Secondly, do not pick if you do not identify the species of berry. There are berries which are not safe to eat. Know the difference. Lastly, bears like berries too. Always be bear aware when picking berries in the backcountry. 

Berry Picking in Merritt BC

Adventures and activities in British Columbia Canada

 

Merritt British Columbia Canada Top Travel & Adventure Guides

“Experience Community Program” (small and rural community authentic content marketing program) is a product of the EH? Tourism Marketing Group

Gardening in Merritt BC

Butchart Gardens Lookout!

Prepare for the Spring

Gardening in Merritt, BC, Canada can be very rewarding as you take a boring property to the heights of beauty. While the Butchart Gardens, just outside of Victoria, BC may be the gold standard for gardens you can make your property a thing to behold as well.  All it takes is some planning and you can be on your way.

Planning is Essential

I have to admit I have no formal training in gardening but as a homeowner for nearly fifty years I have learned a few things.  Besides, my wife has a gift for remembering plants, what they look like, when they bloom and how big they get,  all important aspects of planning a garden.

The best place to start is with a plan of your yard.  On a large sheet of graph paper lay out the dimensions of your yard and place the outline of your house on the sheet.  You then have to determine where you want your gardens beds to be.  I personally prefer garden beds that have some shape to them rather than just a rectangle.

 You also have to figure out where your hardscapes will go.  Is your lot sloped?  Do you need retaining walls or terraces?  What kind of walkways will you need to connect various spaces?  Place all these ideas on your plan.

Examples of Terraced Gardens

Terrace garden with logs

Terrace Garden-Tom Reynolds Photo

Terrace Concrete bloc

Terrace-Concrete Block Tom Reynolds Photo

Rock Wall

Rock Wall-Tom Reynolds Photo

Examples of Pathways

The following path connects the driveway to the front door.  You will notice that it is curved to add interest.

Pathway

Curved Path-Tom Reynolds Photo

When Gardening in Merritt BC What Plants Can You Use?

The first thing that you need to know is what gardening zone is appropriate for Merritt. According to the BC Interactive Plant Hardiness Zone Merritt is in Zone 5b.  This means that plants that are rated for this zone will be more successful than zones that are different.  You also need to know their drought tolerance as Merritt is considered semi arid.

Once you determined what plants will be suitable for your garden you need to make other considerations.  If you are renovating your current landscape you will probably have a good supply of plants already.  For example, you may already have trees that are well established and therefore you want to work with their current locations unless the tree is not healthy.  Trees provide shade and are a dramatic feature.  

Flowering Tree

Flowering Tree-Tom Reynolds Photo

Flowering shrubs are also great additions to any garden.  I particularly like a mock orange blossom shrub.  This is one of those cross over plants that could also be considered a tree. It grows quite large and provides a great privacy barrier and wind break.

Mock Orange

Mock Orange=Tom Reynolds Photo

Colour should be Your Goal when Gardening in Merritt BC

Perrenials Garden

Perennial Garden-Tom Reynolds photo

Perennial plants should be a part of everyone’s garden.  They are called perennials because they self propagate in place so you don’t have to renew them every year.  The downside is that they generally bloom for a short period during the growing season.  The good thing is that not all perennials bloom at the same time so with a littlie planning you can keep colour in your garden by selecting plants that bloom at different times.

Annuals have to be replaced every year but they have the advantage of  blooming all season long.  I think placing them between the perennials  provides constant colour.

Annuals

Annuals-Tom Reynolds photo

Colour can also be created by using different types of shrubs and perennials.  Some shrubs, like barberry come in many different colours.

Barberry Shrub

Barberry Shrub-Tom Reynolds Photo

“Colour in my garden is so up lifting”-Shirley Reynolds

Hostas are also a plant that comes in many different colourings.

Hostas

Hostas – Tom Reynolds Photo

Gardening in Merritt, BC doesn’t have to be all plants 

Plants aren’t the only things that you can use to make your garden interesting.  My wife likes things such as old chairs or head boards, while I  like things more on the tacky side such as garden gnomes and whirly-gigs’

Chair

Chair-Tom Reynolds photo

Rock Wall

Roc Wall-Tom Reynolds Photo

 

 

 

 

 

 

 

 

 

 

 

 

The Joy of Gardening Never Ends

If you take in these tips you can start your journey to a beautiful yard and a great hobby.  Have fun!

Gardening in Merritt BC

Plants for the Soul

 

Adventures and activities in British Columbia Canada

 

Merritt British Columbia Canada Top Travel & Adventure Guides

“Experience Community Program” (small and rural community authentic content marketing program) is a product of the EH? Tourism Marketing Group

Fall and Winter Outdoor Activities in the Nicola Valley BC. Canada 

The whole family can enjoy outdoor activities in Merritt BC

Merritt outdoor adventures and attractions

Outdoor Activities in Merritt BC does not have to stop with the end of summer. Because of our favorable climate, along with long hours of sunshine and little precipitation throughout the year, we are truly blessed with many Merritt, BC Canada outdoor activities. This alone makes the Nicola Valley a destination place during the fall months as well as the winter months. In addition, Merritt is the gateway to the Interior of B.C, due to the Coquilhalla Highway and only a three hour drive to five international airports, giving Canadians and world wide visitors quick access.

Outdoor Activities Merritt BC.

Fall color’s. Tania Stewart.

Lundbom Lake in the Fall. Photo courtesy of Greg Girard.

Fall is a fresh start. “Life starts all over again when it gets crisp in the fall”—F. Scott Fitzgerald.

The Sights, Smells and Sounds of a Merritt Autumn

Every thing is so crisp. Watching Autumn colors fall to the ground,  jumping in leaves as a child and those blustery fall winds bringing in Ole Man Winter brings even more promise of fun to be had. All is good in the Nicola Valley. Playing outdoors throughout the Nicola Valley has always been seasonal. Time to bring this back. Experience the Nicola Valley!

Hiking surrounding Nicola Valley Mountains.

Outdoor Activities Merritt BC.

Fall mountain biking. Photo Merritt Mountain Biking Association.

To Say Nothing of Hiking on a Crisp Winter Day 

Having a dry climate, the Nicola Valley’s is frequently under the lights of the sun.  Get yourself outdoors now as breathing in that fresh air helps you combat those upcoming winter blues.  Family fun time, alone time, or taking a hike with your dog… why not make outdoor activities during the fall and winter months a season of exploration.

winter hiking in merritt

Winter hiking in the Nicola Valley. Photo by Experience Nicola Valley.

Sunny winter day of hiking. Photo by Tania Stewart.

In a way Winter is the real Spring – the time when the inner things happen, the resurgence of nature. Edna O’Brien.

Despite the Temperature Change Life Goes On

Following the summer heat, Merritt’s cooler fall weather is truly a welcome reprieve. Clearly with having some of the best and  sometimes under-appreciated hiking trails, it is impossible not to be challenged even if you are a seasonal hiker. Without a doubt hiking trails for beginners will treat you to Fall colors, as well as, trails for the extreme will treat you to views over looking forests of Fall colors.  

Kentucky-Alleyne Provincial Park will amaze with it’s beauty!

Colours of Kentucky Lake

Colours of Kentucky Lake. Photo courtesy of Tom Reynolds.

Kentucky-Alleyne Provincial Park Hiking Trail. Photo by Tom Reynolds.

Iron Mountain

The main trail carries over 4 kilometers to the top of Iron Mountain, with 2 lookouts that gives you a scenic view. There are also many shorter hikes and mountain biking trails  available within Merritt that make for a great way to exercise the legs. There are a wide variety of recreation trails available in and around Merritt for each season and all abilities. Five prominent mountains surround the city of Merritt, each with its own extensive network of trails. 

Hiking Trails Merritt BC. Photo by Tania Stewart.

Tom Lacey Memorial Trail

Swakum Mountain is located close to downtown Merritt. This trail is truly a family hiking and mountain biking destination. Starting at the top of the Flagpole Access Road. Were you will be greeted with amazing priceless views of the Nicola Valley farms and the City of Merritt before you even begin hiking. Allow yourself about 1 – 3 Hours of family fun within nature. Connecting with many other trails, Swakum Mountain gives you the choice of how long or short your hike will be.

 

Whether snow shoeing, fat biking, xc skiing, snowmobiling or hiking, the Nicola Valley during the winter is an ideal destination place. Lots to do. No crowds, Amazing scenery. Top notch trail networks. Due to these crazy times, outdoor adventures have become even more popular.

Merritt XC Skiing and Snowshoeing

The Nicola Nordic Ski Club is based in Merritt, BC. and maintains the Kane Valley Ski Trails. The Kane Valley lies twenty minutes south of Merritt. It’s an hour west of Peachland and an hour north of Princeton. A Nordic experience at Kane Valley is an ideal day trip. You can enjoy the area for days, because 50km of fantastic classic skiing on wilderness groomed trails provide ample diversity. Bring on Old Man Winter!

 

merritt cross country skiing - kane valley

Cross country skiing on the Kane Valley Trails

merritt snowshoeing

What a great day to go winter hiking in Merritt. Experience Nicola Valley Photo.

Winter Hiking. Photo by Tania Stewart.

In Conclusion

Outdoor activities in Merritt BC. does not stop with the end of the summer. As a result of having a favorable climate along with long hours of sunshine and little precipitation throughout the year… the Nicola Valley is open for adventure all year! See you on the trails and/or in the back country sun, snow or ice. 

Outdoor Activities Merritt BC

Fall and Winter Adventure sin the Nicola Valley

 

 </p

Adventures and activities in British Columbia Canada

 

Merritt British Columbia Canada Top Travel & Adventure Guides

“Experience Community Program” (small and rural community authentic content marketing program) is a product of the EH? Tourism Marketing Group

Glad To Be Back For Part 2. Home schooling in BC Canada!

Home school family

What grade am I in again?

Home Schooling In BC Canada

Home Schooling in BC Canada – I am so glad to be back for part 2 of Home schooling! As a result, today I am going to go over our favorite field trips or day trips! One thing I  love about homeschooling in BC Canada, is all the amazing places we have to explore right here in our backyard. I wanted to make this into a quick resource post, and just share some of the places we love to take our family too.

Adventures of Home Schooling

In the first blog post about home schooling in BC Canada I wanted to give you a feel for our schedule in PART 1. In today’s post, I wanted to go over our home school favorites! These are a few places I like to use to “fill in the gaps” or gain some inspiration. In addition, go and explore with the kids and experience nature and wonder. Its exciting to see the magic of childhood through my children’s eyes.  Grab yourself a warm cup of whatever makes you happy! And lets dive right in!

Coffee shops in Kamloops B.C.

Warm and cozy vibes.

Logan Lake In Beautiful British Columbia

Things to do in Canada with kids

Simple, slow and lovely days are offered to you in Logan Lake

Home schooling in BC Canada is made easy, when living in Logan Lake BC.  Unquestioningly,  in my view, Logan Lake is the best for fitness! Consequently, it is extremely family friendly and I feel safe walking around it with my 12, 10, 8, 6, 5, 3 and 21 month old. All in all we have a great time getting our steps in taking the family for a walk around the lake. The lake has just all the right ingredients for a good nature walk. More importantly, I use it for nature study and having the kids journal about what they seen and observed. Admittedly it has tons of wildlife to observe. We love watching the eagle carry fish across the lake to its nest. All the ducks, and geese we get to watch. We have encountered deer on the trails around the lake. Its rugged and rustic with a paved walkway, just the way this glamper likes to experience the great outdoors.

Mountain Biking in British Columbia

Braving the Logan Lake mountain bike course.

Getting Fit While Home Schooling In BC Canada

If you are feeling adventurous and exceptionally fit and strong, we have successfully taken our double stroller all the way around the lake. There is a more scenic and woodland nature trail along the mountainside. On the highway side they have a very wide and beautiful paved pathway.

More Than Walking In Logan Lake

In addition, if you follow the nature path you can find the Logan Lake Bike Park. Its natural and very impressive and so nicely done! Our kids have a total blast at it. Its great to burn off extra steam and help the kids gain new experiences and reaction skills every time we go. I find the trails very clean and nicely groomed while still being very natural. No need for hiking boots, runners will do just fine. And in addition our 3 year old was able to comfortably walk at her pace with a few seated breaks and a granola bar to keep her going.  Logan Lake has many fun recreational ideas any time of the year. Our family has grown to love our small town that we call home. Its so vibrant, friendly and serene. 

Life in Logan Lake B.C. Canada

Lovely views along the amazing walking path in Logan Lake BC

The BC Wild Life Park 

Spirit Animal

The B.C. Wild Life Park and its adorable Spirit Bear

This is hands down the best local place to get up close and personal with animals. Above all we love to study and draw at home these critters and beasts. It is just so fun at the BC Wildlife Park. We absolutely love to take the kids there. A favorite blast for both Kyle and myself. We have enjoyed going to BC Wildlife Park ever since we were kids. However, its more exciting now as parents to be able to share that with our children.

The B.C. Wild Life Park Always Evolving

Kamloops Wild Life Park

Kamloops Wild Life Park Home Schooling

It is exciting while home schooling in BC Canada to see how the park is always growing and always changing. Also, I love how they educate us and give us a personal natural experience every time. Its always so beautiful there.  In addition to nicely laid out paths and walkways its easy for me to push a stroller and keep up with my active kids. As a Mom I enjoy that they have interesting facts about the animals all over the park. And informing us as to which ones are rescues and their unique back stories.

The Main Attraction of the B.C Wildlife Park

The animals of course are an exciting main attraction. My favorites include the bears, wolves and buffalo. Hubby and I also really enjoy the coffee. There is nothing more romantic to me than enjoying a stroll and a coffee with him. In addition, I think my favorite time to go is in the fall season. It just feels super good to get in one last train ride and enjoy the crunchy leaves. The wild lights tour in the winter months is also fun. Its so beautiful to go, get all bundled up, and then see all the twinkling lights at night time. Lastly, it definitely tops one of my favorite experiences  in the colder months. 

Things to do in Kamloops B.C.

#wildtimesawaityou at Kamloops Wild Life Park

Desert Hills Ranch 

Influencer for Instagram Photo Idea

Cutest little pumpkins at Desert Hills Ranch in Ashcroft B.C. Canada

If you are looking for a fun and family friendly farm, assuredly, Desert Hills has all your social media influencer needs covered. This is definitely the  location to take some amazing fall photos. Never mind all of your garden, canning and pumpkin needs.  When Kyle and I lived in Ashcroft BC we were constantly at our favorite local farm. And that was Desert Hills Ranch . Homeschooling in B.C. Canada got a lot easier with this great location.

Curb Appeal, Animals, Pumpkins & So Much More

Dessert Hills helped with my home’s curb appeal with an amazing selection of lush blooms, trees, plants and pots. In retrospect, I think my favorite time to go was when they had fun sale weekends, such as peaches or salsa making. I always loved going on Mothers Day too when they honestly know how to spoil a gal.

The kids would always enjoy going through the barn to see the  baby animals and the gorgeous horses. The selection of farm tractors and old machines is bar none. Even being able to burn off steam at the park area always brings back happy memories for my kids. The staff are all so friendly, helpful and kind. You wont be disappointed with this trip.

Castle Fun Park 

Things to do in Abbotsford B.C.

This is “framer” for sure!

If you are feeling up for a road trip all the way to Abbotsford BC. For a day full of laughs and entertainment check out Castle Fun Park.  Get some car toys, pack some snacks and wear sensible footwear and you have yourself a mini road trip.

Kids activities in the lower mainland

Smiles for miles at the Castle Fun Park Go-Karts!!!!

Castle Fun Park is a place we have enjoyed coming to off and on over the last 10 years. From mini golf to arcade games this place is fun. However we came here the other day with the go carts in mind. It was such a great family activity. While Kyle zoomed around the laps with our littles. Our older children got to enjoy some driving time. My oldest as well as all the rest were overjoyed!!! Chasing Dad was a huge hit! At $8 for a race I think it is totally family and budget friendly. 

Family activities in British Columbia

The race is on!

Family day in British Columbia Canada

Family day is always the best day.

In conclusion

Home Schooling in B.C. Canada has so many vast opportunities for rich exploration and adventure. What a way to enrich your children’s educations. I hope you enjoyed a brief look into our families favorite field trips and road trips here in beautiful British Columbia. We honestly think we live in a breathtaking area. And we are so happy we are able to share our experiences here with Experience Nicola Valley and all the bloggers. As always with travel with Covid 19 I would advise giving each location a call if you are interested in going and see how they are limiting the spread of Covid 19. Plan for whatever sanitary and safety measures you feel comfortable with, and get excited to have a good and adventurous time.

Canadian Family

The magnificent 7

That is how we do Home Schooling In BC Canada

Adventures and activities in British Columbia Canada

 

Nicola Valley Bloggers, Merritt British Columbia, Canada

Merritt British Columbia Canada Top Travel Guides

Managing Cash Flow Merritt – The First Pillar of Financial Planning

“If we arrange our retirement income correctly we can lower the tax we pay over our retirement and, eventually, lower the amount of taxes due at our passing on.”

Managing Cash Flow in Merritt, BC – Last edition we looked from a high level overview at the 6 pillars of financial planning. This edition will focus a little more in depth into the financial pillar of managing cash flow. 

managing cash flow merritt

Budgets are just guides. We are in control of how they flow.

 

Managing Cash Flow Begins With A Cash Flow Analysis

Managing cash flow in Merritt, or anywhere else, varies over our pre-retirement and retirement years. No matter the season of life, the process remains the same.

First, we need to determine all the sources of income that we have entering our picture. Then we need to determine our current and future expenses. This can be tricky as future expenses will increase due to inflation and the loss of purchasing power takes place on our retirement nest egg.

 

managing cash flow merritt logan lake

To coffee, or not to coffee…that is the question…

 

Managing Our Income In Our Pre-retirement Years

In our pre-retirement years, income will come in different ways. We will earn employment income, rental income or income from being self-employed. If incorporated the income may come through dividends. We could even receive capital gains from our investments. These are all taxed differently and the goal is to bring them “into our picture” in the most tax efficient manner. For the most part, if planned properly, we are in control of how we receive these and even when.

 

How We Determine Our Retirement Paycheque

In retirement we could still receive any of the incomes listed above. There are a few additional benefits that become available in our sixties. Firstly, between the ages of 60 and 70 we can begin receiving CPP or Canada Pension Plan benefits. If you receive the benefit before age 65, you will receive a penalty of 0.6% per month that it is taken early. Alternatively, each month after 65 that you delay receiving CPP you are paid a 0.7% bonus for life.

Secondly, between age 65 and age 70 we can begin receiving OAS or Old Age Security. Thirdly, the year we turn 71, it is mandatory that by December 31st of that year any RRSP’s, or Registered Retirement Saving Plan’s, are converted into RRIF’s, or Registered Retirement Income Funds. The government determines the mandatory minimum amount that must be withdrawn on an annual basis. Confusing? You bet it is! Fourthly, there is even a GIS, or Guaranteed Income Supplement, available in the mid to late sixties to those who can qualify for it. 

moneyadvicemerrittbc

Always just a phone call away.

 

“Why Would I Wait To Receive Government Benefits?”

A common question I am asked. It is uniquely situational. Each individual or couple has different things that are available at different times in their life. Some are struggling  to make ends meet when they reach 60 years old and just take the CPP benefit early. Others may be receiving payouts upon their retirement and delaying additional income a year may be beneficial. Most answers are based on tax strategies when it comes to planning in this area. There is no cut and dry best time to take it for everyone. It must be something that is analyzed and planned for. 

Some Things To Have In Place Before Retirement

Most of us will be at the height of our earning years before retirement. If planned for, we could see ourselves entering retirement mortgage free. There is no better time to have a line of credit or credit solution in place “just in case” we may need it in retirement. Credit solutions always look at what you own and what you earn. However, if you wait until you are already retired it will reduce the credit you have available. 

Tax-efficiency Is Key In Retirement Income Planning

There are many strategies for income planning in retirement. Again, all are uniquely situational. Similar to questions raised above like, “When do I start collecting CPP or OAS?” These are big picture questions.  It is all tied in together. Taxes are the single largest expense of our lifetime. If we arrange our retirement income correctly we can lower the tax we pay over our retirement and, eventually, lower the amount of taxes due at our passing on.

These Decisions Have Lasting Effects,

Seek Professional Help To Get It Right!

planninginmerritt

Managing Cash Flow – Nicola Valley

 

Financial Planning Near Merritt, BC

Managing your cash flow Merritt

Nicola Valley BC Canada

 

Nicola Valley Financial Planning in and around Merritt British Columbia, Canada

Merritt British Columbia Canada Top Travel Guides