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Merritt Honey and Bees

Experience the Buzz in the Nicola Valley

The Nicola Valley  people and groups are standing up for bees and some are making honey

Merritt Honey and Bees – Throughout the world people have taken on the fight for the survival of our “Bees”. Merritt BC Canada is no different. Every day more and more people are becoming more aware of  how important these hard working honey makers are to our survival. Not to mention, without bees, the availability and diversity of fresh produce would decline substantially, and human nutrition would likely suffer.

Lots of Merritt Honey and Bees in the Valley

 I have heard the call of  the “Bumblebee”. To say nothing to how much I love “Bees” this is my tribute to these amazing creatures through my photo’s.  Experience the sweet Buzz in the Nicola Valley knowing I have tasted the honey in it all. Therefore, I can safely say that the Nicola Valley is home to some fine Apiaries.

Experience the Buzz in the Nicola Valley

Worker bees. Photo by Tania Stewart.

Experience the Honey in the Nicola Valley

Experience the Buzz in the Nicola Valley

Bees can see all colors except “Red”

Experience the Buzz in Merritt

Bees like coffee, keeps them awake.

 Going Bee Crazy Experience the Buzz in the Nicola Valley

Nicola Valley Gourmet  honey is produced by unsprayed bees on there ranchlands surrounding beautiful Merritt, B.C.  Additionally, with the combination of climate, abundance of flowers, soil and water resources the ranch is an ideal breeding ground for honey.   

Grimshire Apiary , located in the Nicola Valley,  is one of Merritt’s producers of raw unpasteurized honey products.  However, not only do they do honey, they also have beeswax candles for sale.   

Merritt honey makers.

Bees do not sleep, Photo by Tania Stewart.

Interesting fact:  The word “honeymoon” is derived from the ancient tradition of supplying a newlywed couple with a month’s supply of mead in order to ensure happiness and fertility. 

Experience the Buzz in the Nicola with bees

Bee are sensitive to smell. Photo by Tania Stewart.

“If the bee disappears from the surface of the Earth, man would have no more than four years left to live.” Albert Einstein 

Experience the Buzz in the Nicola with bees

They have a brain the size of a sesame. Photo by Tania Stewart.

“Honeybees are important pollinators for flowers, fruits, and vegetables. They live on stored honey and pollen all winter and cluster into a ball to conserve warmth. How cozy. While worker bees forage for food (pollen and nectar from flowers), build and protect the hive, clean, and circulate air by beating their wings.” National Geographic. 

Experience the Buzz in Merritt BC.

Bees have 5 eyes. Picture courtesy of Tania Stewart.

Experience the Buzz in the Nicola

They can solve basic math problems. Picture Tania Stewart.

Experience the Bee in the Nicola Valley 

What I have found through the years observing bees is that they have such amazing personalities. As a matter of fact, in the above pictures of this bee I found on my doorstep one day, it looked like this little guy was dying.  As I approached this little bee it raised it’s arm to warn me with a defensive move. However, I was most stunned when after a couple of seconds this bee got up and buzzed off. 

Experience the Buzz with bees

The sun helps bees navigate. Pic by Tania Stewart.

Without pollinators, the human race and all of Earth’s terrestrial ecosystems would not survive. 

Experience the Buzz in the Nicola with bees

Bees can remember your face. Pic by Tania Stewart.

Bees work up quite a thirst foraging and collecting nectar. Try filling a shallow bird bath or bowl with clean water,  arrange pebbles and stones inside so that they break the water’s surface. Stones will allow the bees to land and refresh themselves. Kind of like a Bees watering well. 

“One of the largest threats to bees is a lack of safe habitat where they can build homes and find a variety of nutritious food sources.” Queen Bee.

 Going Bee Crazy

The Queen lives for 5yrs. Photo by Tania Stewart.

“Synthetic pesticides, fertilizers, herbicides, and neonicotinoids are harmful to bees, wreaking havoc on their sensitive systems. Avoid all.” Tania Stewart.

About 80% world plants have been pollinated. Photo by TS.

Support Local Beekeepers and Organizations

Local beekeepers work hard to nurture their bees. Buying locally-made honey and beeswax products helps the local environment. Plus, local honey is not only delicious, it is made from local flora. Basically you are tasting your own flowers. Notably, this is said to also help with seasonal allergies!

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A single bee will produce only about 1/12 of a teaspoon of honey in its lifetime. Pic by Tania Stewart.

Researchers have discovered that bumble bees are disappearing at rates “consistent with a mass extinction”.

“If declines continue at this pace, many of these species could vanish forever within a few decades,” Peter Soroye warned.

 

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Bees are taught by elders in the hive how to make honey.

Save our Bees

One of the main causes to the endangerment of our bees is their habitat loss. Death of bees is then followed closely by  invasive species, and natural disasters. Recently, there has been a worldwide call for everyone to get their “Flower Power On” in support of the bee.

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The practice of beekeeping dates back at least 4,500 yrs.

Interesting Fact: Bees are not born knowing how to produce honey. The elder bees in the hive teach the young at bee school.

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During a single collection trip, a honey bee will visit anywhere from 50 to 100 flowers.

How can you help 

Plant flowers and trees, go chemical free, create bee baths and homes for native bees. With the exception of honeybees, most bees are solitary creatures. In light of this you can provide a safe haven for them with a small plot of land in your garden. Provide “Bee condos”, small tube “apartments”  which allow species like mason bees to take up residence.

Bee Condo.

Bee watering station.

In a Bee World

There is a mass global awareness with people becoming more aware of the dangers bees are facing. Education and home scientists taking on the duty to help save these essential pollinators are leading the charge. Little things make a difference too like planting flowers, trees, water stations or even building mini bee condo’s.

The first step to their survival is awareness, and understanding how crucial they are to our own exitance.  Without our pollinators this blue planet we will be at a loss. 

Merritt’s’  Apiaries

Nicola Valley Honey. 1-(250)378-5208

Miller’s Farm active apiary and have farm fresh honey year round. (250) 315-1012
 
Grimshire Apiary. Producer of raw unpasteurized honey products. (250) 378-9703, 

Nicola Valley Travel and Tourism Guides

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Merritt Planet Hair & Spa Re-Opening Covid 19 Style

Planet Hair & Spa’s Grand Re-Opening

Were You Go To Get Your Locks On!

Up-date on Planet Hair and Spa in celebration of their 25th Anniversary. 

Planet Hair has persevered by adapting and growing during these troubling times. All the while keeping their fundamental values, “Customers are #1”.  Planet Hair and Spa has re-positioned itself with a fresh new look.  While most people don’t consider the impact our clothes have on our environment, Kathy has truly thought of this. She understands, that more people are becoming aware of Textile Waste and its damage to our environment. Re-cycling with some re-thinking is what Kathy Castro is bringing to her spa! Additionally, as you are getting a great hair style, you can update your wardrobe with Vintageretro  clothes. 

Planet Hair and Spa serving the Nicola Valley, BC

Take your time, impressive selection. Photo by Tania Stewart.

Planet Hair and Spa Merritt BC.

Beautiful prom gowns! Photo Tania Stewart.

Planet Hair and Spa serving the Nicola Valley.

These “Boots” are made for walking.

 

Vintage clothing offers a chance to explore personal style. Tania Stewart.

 

Planet Hair and Spa serving the Nicola Valley, BC

My personal fav! You need to see this beautiful dress!

Accessories are a must!

 

Vintageretro fashion is still going strong in terms of clothing, footwear, and accessories. 

According to the Canadian Lock-down Orders

Due to Covid 19 Kathy Castro owner and operator of Planet Hair & Spa located in Merritt British Columbia had to close her doors . As a result many loyal clients have to suffer through a time of “nasty bedhead hair”.  Due to circumstances out of Kathy’s control, little options were available, but to try and turn a negative into a positive. Hence the re-vamp, re-decorate,  and re-paint of her salon. Having known Kathy for many years, one thing is for sure when talking about Kathy Castro, she rarely lets bad news take her down. 

 

Merrittplanethair

Kathy Castro in the Trenches!

It is important to note that Planet Hair and Spa is truly an Experience Nicola Valley venture and has always been my personal favourite place to get my “do” done.  However, what really makes my haircut experience so special is the opportunity to connect and socialize. Incidentally, I was also blessed to have Kathy as my first guest on the “Nicola Valley Talk Show“.  

WATCH NICOLA VALLEY TALK SHOW INTERVIEW

Merritt Planet Hair & Spa Re-Opening Covid 19 Style

Not only was I very fortunate to have Kathy as my first guest on the “Nicola Valley Talk Show”, I was able to see first hand the work and time that was put into re-decorating her business.  I applaud Kathy and her husband Paul for taking on this massive undertaking. Despite having to close its doors, with little warning, Planet Hair and Spa has re-positioned itself with a fresh and new look for opening day.  

Nicolavalleyplanethair

Our stations are ready for you!

Additionally re-vamping Planet Hair & Spa beauty products display 

When speaking about beauty products Kathy has traveled the world and has done her research. In all honesty, I can say that with all of Kathy’s years of experience she is able to seek out the best beauty products. The fact that Planet Hair stands by their products is just another way they stand behind their service. Kathy understands that hair care is important hence the large selection of products her shop has on display. However, Kathy does ask that all clients do not touch the products because of the COVID 19 safety protocols and, instead, ask to see them. Look, inquire but do not touch.  

Not only does Planet Hair and Spa provide haircuts, colours, and streaks. They also provide some of the best “products” to keep your hair healthy”, Tania Stewart.

To illustrate the vast range of products available 

The products available are many. Too many to list here. But, since summer is coming, they do have some suntan lotion made from hemp that is gaining some good reviews. Then there is the line of AG hair products on her shelves which will take care of your hair. Some of the brand names lining the shelves include “Designer Skin”, “Fiesta”, “Rusk“, “Reuzel” and “Nioxin“.  Whenever you are wanting to tame or inspire your curls then take a look at “DevaCurl“.  Planet Hair & Spa has many of things a person would want for hair and skin care. 

merrittplanethair

Nails are important!

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Comfort is important.

Planet Hair & Spa product wall. “Teetree” is available.

Additionally Planet Hair & Spa offers a wide range of styling items

Equally important are the styling items available like straighteners. For you newbies those are the hot curling devises we use to keep our hair style going. In fact Planet Hair & Spa is a one stop shopping place to purchase everything your hair desires. Not to mention that a coupon or beauty product would make for a great gift!

 

planethairnicolavalley

Taking your appointments serious.

When re-opening social distancing is key 

Kathy has made sure your health is number one when visiting her shop in the Nicola Valley. She has her staff well trained and equipped with all the protective equipment including masks, and head visors. Social distancing will also be respected in her shop with only 3 hair stations operating at one time, which is every second chair in operation.

The separation of the chairs will provide safe social distancing. Truly making sure all clients are safe Kathy has all work stations social distanced as well as in client’s waiting room space. Moreover making your experience stress-free, relaxing while providing assurance for every one’s safety. While giving her clients the needed care and beauty treatment they have been waiting for. 

It is always a Great Experience!

planet hair and spa

Kathy Castro – Planet Hair & Spa

Everyone I talk to about Planet Hair & Spa tell me that Kathy has a way of making you feel like you are their favorite client. Whether it is your first time in her chair or your five-hundredth time having your hair done Kathy makes you feel comfortable and welcomed. What makes this hair salon and spa stand out is truly how gracious Kathy and her team are for having you as a client. 

Without a doubt Kathy is one of the most determined business minds I have been fortunate to know. A fashionista, trend setter, entrepreneur and let us not forget an amazing hair stylist.

 

CONTACT US:

Planet Hair & Spa

2040 Granite Ave,
Merritt, BC V1K 1P3

(250) 378-5558

WEBSITE

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Merritt Medi Spa Entrepreneur Spotlight: Anastaszia Cash

Owner/Operator of Desert Divas and Dons Medi-Spa

Experience Nicola Valley’s Sit-Down with one of Merritt’s Newest Storefronts

 

Merritt Medi Spa : A couple of weeks ago I put together a promotion at Community Futures Nicola Valley. I wanted to promote some local women entrepreneurs here in Merritt BC for International Women’s Day on March 8th. This was how I met the owner and operator of Merritt’s Desert Divas and Dons Medi-Spa, Anastaszia Cash.

Merritt Medi Spa Anastaszia Cash

Anastaszia was a fantastic collaborator to work with during the International Women’s Day promotion. We wound up having a huge success over on the CFNV social media; but I could tell there was a larger story at hand and I wanted to investigate for myself. Luckily, I write a series of articles about Nicola Valley entrepreneurs on Experience Nicola Valley!

Merritt Medi Spa Owner Entrepreneur

Photo Credit: Anastaszia Cash. Anastaszia and her dog, doing ministry work.

Merritt’s Desert Divas and Dons – The Beginning

Upon request for an interview, Anastaszia made arrangements quickly and easily. I got a sit-down interview spanning about an hour, as well as a guided tour of the Medi Spa! During our interview, I learned more about both Anastaszia and her husband Wes, who helps run this Merritt Medi Spa. They had an unreal story to tell, and I was honoured to be given the opportunity to hear it.

Meet Wes and Anastaszia 

Wes and Anastaszia’s career moves led to bicoastal American opportunities in New York, LA & San Jose. Wes was in international demand as a body builder and a fire suppression technician. Anastaszia had made a name for herself as an international gospel preacher, martial artist and master in the beauty industry.

A Long Road Leads to the Nicola Valley

A string of back to back, multiple car accidents, however, would interrupt their plans with countless surgeries. Wes, in particular, endured a broken neck & back. Anastaszia with a severe brain injury, two back to back heart attacks and kidney issues.  Anastaszia and Wes found their previous lifestyles unsafe to continue to pursue, so bottom line – things had to change. A relocation from the Vancouver area felt like a fresh start because the couple found the big city was lacking a personal touch.

Community: The Missing Ingredient

During my interview it became clear, time and again, just how much the Desert Divas couple value community. For example, since opening, first responders and military personnel receive 20% off all services. Anastaszia works closely with members of Kids Play Foundation to provide scholarships for youth in need, and she’s even networked with shelters and care centres across the BC interior to provide restorative services for people who may be bearing the scars of abuse.

And There is More Too!

As I was wrapping up this article, Anastaszia contacted me about another initiative she has taken on. In response to the growing reports of dangerous activity in BC, she wanted me to inform readers of a secret “menu item” when it comes to a “desert facial”.  Anastaszia prides her patrons somewhere safe and secure to wait if they’re concerned that they might be being followed or harassed.  Desert Divas staff will contact authorities if requested. 

It’s a lifestyle centered around bringing good to those around you – and I found it very inspiring on a personal level.

A Desert Diamond in the Valley

This commitment to community is inspiring! But how does the Medi-Spa itself stack up? Admittedly, I felt a little out of my depth here; as a rural twenty-something boy, writing about spa life. But where familiarity fails, research prevails, so I hit the web and studied as much as I could in advance of my interview. As far as my newly enriched understanding could tell, Desert Divas and Dons represents a world class experience!

Technology At Work

The technologies at work here are huge, international names; treatments like OxyGeneo and DermaStamp are available at a price point that Anastaszia says leaves enough savings for her coastal clientele to commute down and see her. The medi-spa itself is Health Canada certified, with a massive emphasis on safety, sanitization and professionalism.

A Passion Stemming from Personal Experience

Anastaszia has spent several years working in what is considered the beauty industry. However, there is significant stigma against the industry. One point in case, vanity can lead to body issues and negativity. Admittedly, I used to see things from that angle myself. Anastaszia however, relates the procedures she performs back to her own life and previous experiences with abuse. She sees opportunity for people to find a fresh start by healing wounds and erasing pain – both physically, and emotionally. In her own life, aesthetician work has helped her find confidence and start again.

Anastaszia also provided this picture of herself, on duty as a chaplain.

A Learning Experience

I came to the Merritt medi-spa feeling a bit out of my depth. Someone with my lifestyle, I had figured, is going to be a pretty unlikely client. But the experience I found here was surprisingly genuine, deeply sincere and honestly kind of moving. I wound up specifically appreciating the joie-de-vivre on display here at Desert Divas.  Anastaszia and Wes have lived a tremendous story together, and while pain has been a significant part of their story, they refuse to let it be a story of pain. It’s a huge distinction, and it’s one I don’t know if I understood before having this meeting. 

In Conclusion

Anastaszia got in touch with me a few more times after the initial visit to see if I needed any help with the article? Anastaszia, also let me know she has taken more steps  to becoming a community leader. For example, Anastaszia Cash EDU, an education program for aestheticians that she developed herself is off to a great start. Her work with Kids Play Foundation is developing more and more each day, and she continues to seek local youths to provide mentorship at her spa, offering the opportunity to get Merritt residents a foot in the door on a valuable career opportunity. 

Merritt Medi-Spa: My Takeaways

For my own part, I got to make two great new friends! Wes and Anastaszia are welcoming and open, and their commitment to community is inspiring. Stigma is often attached to smaller towns like the idea that if you’re not born here or raised here, you won’t be given the chance to belong. Anastaszia and Wes admitted that upon first opening their business, some people were hesitant, but with time Merrittonians have come to appreciate that it’s the real deal! 

I left personally inspired to be more positive in my day to day interactions, as well. We’re rarely given the opportunity to change the hand we are dealt, but we’re always in charge of whether we accept it with a smile or choose to let it beat us. Thanks for the chat, and the words of wisdom, Anastaszia and Wes!

CONTACT US:

2101 Quilchena Ave, Merritt, BC V1K 1R6

(250) 936-9200

info@desertdivasanddonsspa.com

Facebook / Instagram

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Tire Shop in Merritt – Nicola Valley BC Canada Mechanics

Fountain Tire Merritt – Tire Service in the Nicola Valley

Tire shop and mechanic service in the valley of Merritt

Fountain Tire is a preferred tire shop in Merritt BC Canada. This local mechanic automotive service station takes care of commercial and light car and truck automotive repair. And of course Tires, lots of tires. Fountain tire Ltd (Merritt) opened in Merritt in 2008 by Larry Ruttan.

tire shop in merritt

Fountain Tire New Owners

In 2021 Jamie and Sheila Hatch will become the new owner/operators of Fountain Tire (Merritt) in British Columbia Canada. Jaime moved to Merritt from Drayton Valley, Alberta in 2018. He worked as assistant manager. Soon after Sheila and the kids followed.

Jaime is a red seal journeyman mechanic and has been in the industry for over 23 years. However, when he is not at work, he enjoys fishing, hunting and spending time with family. Therefore they have settled nicely into the Nicola Valley, so much so, they are members of the Merritt Speedway. Subsequently, their daughter, Megan, is a race car driver.

Merritt Speedway Stock Car Racing is well know in the Nicola Valley for its sense of community and family for over 30 years. The speedway is looking forward to when we can race again.

Sheila says, “The advantages of operating a tire shop in Merritt are that you meet so many different people from many walks of life. This community has a sense of family, everyone looks out for each other.”

fountain tire

Sheila continues with, “And for us, because Merritt has several highways coming into it, we are able to assist those who need help when travelling through our beautiful valley. We have had the pleasure of helping out the travelling talent that come for various music festivals that run each year. Never a dull moment and Oh ..the weather!”

tire man in merritt

Brandon Hatch of Fountain Tire Merritt Photo Credit: Sheila Hatch

Meet the Owners

Sheila and Jamie Hatch, the owner of Fountain Tire Shop in Merritt, and their son Brandon, are like most of us, surviving Covid-19 by planning to get involved in community events. In other words they are really putting themselves out there expressing that we are all on this road together.

Fountain Tire Staff

Communities need to stick together to survive hard times. There is strength in numbers. At the tire station they have 7 staff in addition to 2 more red seal journeyman mechanics. 

Tires For All Seasons

Whether you need tires for the highway, bush, logging truck or racing they have a wide assortment of quality tires. Tires for a range of budgets that best suit their customers. Fountain Tire in the community of Merritt BC is known to go the extra mile for their customers. Most importantly get them back on the road safely and in a timely manner.

Who is Fountain Tire?

Fountain Tire Ltd. is a Canadian company, founded in Wainwright, Alberta by Bill Fountain. The first store opened in 1956. As a result they have stores from B.C. to Ontario.

Contact Information

website: www.fountaintire.com
facebook: merrittfountaintire
email: f132@fountaintire.com
Phone: 250-378-2442

Tire Shop in Merritt

Nicola Valley Mechanic Station

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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

 

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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

Merritt Hotels –  Motels and Inn Accommodations In The Nicola Valley

Hotel places to stay in Merritt BC Canada

“When your community is a central base camp for year round adventures in the region it sure helps that you can provide hotel accommodations servicing all price points. And Merritt Hotels do just that.” 

 

Merritt hotels, motels and inns are just some of the accommodations available to visitors who come to explore the Nicola Valley for adventure, business, events and/or just to connect with family. However, we must also mention the complimenting accommodations in Merritt BC including the campgrounds, vacation homes, cottages, fishing resorts, guest ranches and bed and breakfasts. Many of which, already, have an Experience Nicola Valley blog written about them. That was then. This is now. As a result, today,  we are discussing some of our larger Merritt hotels and motels suitable for events, corporate events and pipeline workers.

Merritt BC Hotels , Motels , and Inns

Times have changed. Therefore, the rules for operating a hotel, motel and inn have changed because of COVID 19. Consequently, hotel accommodations have to adjust to the changing environment they are now in. Merritt hotels have to practice and encourage physical distancing, as well as, put in place a solid game plan when it comes to safety and cleaning protocols. Moreover, many of the Merritt BC hotels have implemented safety protocols and physical distancing measures. Most importantly, it is always best to phone or visit the website of your selected hotel destination to check in on the exact measures they are taking. However we are not here to discuss safety protocols. We are here to share with you the selection of  larger hotels and motels operating in and around Merritt, BC, Canada for your next visit to the valley. 

We Have the Bed for You

Merritt hotels, inns and motel accommodations are unique in their own way. Therefore is is easy to come to the conclusion that there is a pretty good selection of hotel rooms and/or self contained suites in the Nicola Valley. In short there are economical, as well as,  high end suites where comfort, amenities and luxury are your selling features. No matter your needs and wants, the Nicola Valley is able to satisfy your comfort levels and pricing preferences.

Above All It Is Location 

When it comes down to price point, Merritt has you covered. And if it comes down to amenities… the Nicola Valley has got that one covered too. Location? Got it covered as well. In short we can find you the right room in the right spot. For example there are hotels and motels at the top of the hill within walking distances to restaurants, coffee shop, liquor store, a pub,  and big box stores.  On the other hand, down the hill, there are Merritt hotels and motels near Downtown Merritt shopping, restaurants, pubs, retail stores and coffee shops. See… we got you covered. 

A List of the Merritt Hotels and Motels To Clarify My Point

Firstly click this link for quick access to a full list of Nicola Valley hotels and motels with description, website links, booking features,  and more

Merritt bc hotel

Best Western in Merritt BC Canada

Best Western Plus – Merritt

3969 Crawford Ave.
Merritt, British Columbia, Canada
V1K 1C4
Phone: +1 250-378-0700

Featured Merritt Hotel : https://experiencenicolavalley.com/best-western-plus-merritt-accommodation/
Photo Credit: Laurie Turmel

comfort inn merritt british columbia

Comfort Inn and Suites – Merritt

3713 De Wolf Way
Merritt, British Columbia, Canada
V1K 1C4
Phone: 1 250 315-0237

Featured Merritt Hotel : https://experiencenicolavalley.com/hotels-in-merritt-bc-comfort-inn/
Photo Credit : Julie Pollard

Ramada Hotel – Merritt

3571 Voght Street 
Merritt, British Columbia, Canada
V1K 1C5
Phone: 1 250 378-3567

Featured Merritt Hotel : https://experiencenicolavalley.com/places-to-stay-in-merritt-bc-ramada/
Photo Credit: House Member

Consequently, I have had the pleasure of staying with this hotel accommodation on my visits to the region for work and research. As a result I was fortunate to meet the manager, Gurpreet, who is one of the nicest people you will ever meet in town.  Lastly, the hotel accommodation is clean, quiet and serves up some morning breakfasts! There is also a swimming pool with a huge slide for kids. 

intown suites
Intown Inn and Suites

2201 Voght Street
Merritt, British Columbia, Canada
V1K 1B8
Phone: 1 250-378-4291

Photo Credit:  ehCanadaTravel.com


Super 8 – Merritt

3561 Voght St
Merritt, British Columbia, Canada
Phone: 1 250-378-9422

Photo Credit:  Johanne Schmidts


Quality Inn – Merritt

4025 Walters St
Merritt, British Columbia, Canada
V1K 1K1
Phone: 1 250.378.4253

Featured Article – https://experiencenicolavalley.com/indian-restaurants-in-merritt-bc-mughal-gardens/
Photo Credit:  ehCanadaTravel.com

merritt hotel accommodations
Merritt Desert Inn

2350 Voght Street
Merritt, British Columbia, Canada
V1K 1B8
Phone: 1 250 378 2254

Photo Credit:  ehCanadaTravel.com

Consequently, I have had the pleasure of staying with this Merritt hotel accommodation on some of my first visits to the region for work and research. However, it is now under new ownership, of which our team has not stayed with. Moreover, the accommodation includes a restaurant, conference room and pub. 

quilchena hotel

Quilchena Hotel and Resort

Planet Mine Rd
Quilchena British Columbia Canada
V0E 1S0
Phone: 1 250.378.2611

Photo Credit:  ehCanadaTravel.com

Merritt Hotels and Motels in the Nicola Valley

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Nicola Valley Hotels, Motels in and around Merritt British Columbia, Canada

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Craft Beer Merritt BC

Merritt British Columbia Canada

Empty Keg Brew House is the home of craft beer in Merritt BC Canada

 

Where or where does one go for craft beer in Merritt BC Canada? We just happen to know exactly where you can go to enjoy a cool glass of craft beer in a brew house in the Nicola Valley. After all how amazing is it to have our very own brewery here in Merritt BC. We just have to let you all know.  Therefore I am proud to share with you the story of the “Empty Keg Brew House” located, right here, in the Nicola Valley. It may be a smaller scale micro brewery but it sure can serve up some naturally clear, unfiltered beer that captures the essence of the craft beer industry. 

Empty keg brew house merritt bc

Kyle Hall ringing the bell. Photo by Tania Stewart

Welcome Craft Beer in Merritt BC – Empty Keg Brew House 

Established in 2019, the brew house is a place where locals and visitors can enjoy locally brewed beers, brewed on site, on tap, and straight from the kegs. Hence why the story of Kyle and his wife Kelly – the owners of the brew house – is such a great story to tell.  It is a story about a dream and bringing it to life. 

craft beer in merritt bc

The Brewery – Photo by Tania Stewart

craft beer in merritt bc canada

Were all the work begins. Photo by Tania Stewart

“Empty Keg Brew House is an experience truly enjoyed in the Nicola Valley,” Tyler S

Empty Keg &amp; Brew Nicola Valley

The selection. Photo by Tania Stewart

The Craft Beer Experience at the “Empty Keg Brew House”

Not sure on the type of craft beer to enjoy? Then just ask. Let the friendly staff at the Merritt brew house help match you up with the right beer based on your preferred taste. Tell them how you do beer and they will suggest your ale. Surely you will not be disappointed! However, be advised, there is no rush too. You can always take a seat and try a sampling of beers in their mini pints.

Empty Keg Craft Beer in Merritt BC

Love this menu! Photo by Tania Stewart

Beer, Snacks or Order In

Despite having their own snacks on hand, Empty Keg Brew House allows patrons to order out and bring it in. How cool is that! Yes, you can bring your lunch or dinner from another restaurant with you to the brew house and eat there plus order a beer. Having a pizza delivered to a place you are having a couple of drinks is a good example of community support at its finest. To boot,  Yaki Joe’s Pizza along with “Subway” are right next door.

Empty Keg &amp; Brew

House Snacks. Photo by Tania Stewart

Empty Keg & Friends

You have the craft beer. You ordered in some food. Now, the icing on the cake, the company you keep! Primarily Kyle, and Kelly along with their staff work hard to provide a lively atmosphere, full of laughs and therefore creating memories. It is an atmosphere ideal for friends to gather together for good times. 

Merrittkegbrew
Great family n friends. Photo by Tania Stewart

Empty Keg &amp; Brew Nicola ValleyAlways a “Fun” time!. Photo by Tania Stewart.

Merrittnicolavalleyemptybrew

You never know who you may run into. Good people always make it better. photo by Tania Stewart.

More the Merrier

Fun Fact – Research has shown communicating with people face-to-face, one to one makes us more resilient to stress factors in the long run. Therefore, for me, surrounding myself with good friends and family has always made me feel grateful and lucky to have such good people in my life. 

enjoying a craft beer in merritt bc

Fun times with fun friends! Photo by Tania Stewart

Empty Keg & Brew here in Merritt BC.
Fun games to play! Photo courtesy of Tania Stewart

Bring the whole family for a fun time!

Children are permitted at the brew house. In fact, this may be the time to show your kids a real game! A game that you may have played in your childhood years. This is a place to have a family fun night out, order a pizza and play a board game, arcade game or even air hockey. After all who does not remember “Pac Man” and “Centipede?”

Emptykeg
Playing “Centipede” 80’s style. Photo by Tania Stewart
Brewhouse
Ricky trying to beat my score! Photo courtesy of Tania Stewart

 

Empty Keg &amp; Brew Nicola Valley

Any takers? Challenge! image courtesy of Tania Stewart.

 

Merrittemptykeg
Board games for everyone. Photo courtesy of Tania Stewart

Chess or Pac Man anyone? Photo courtesy of Tania Stewart

 

Hockey Night in Empty Keg Brew House! Photo courtesy of Tania Stewart

Last Word

After all,  how amazing is it to have our very own brewery here in Merritt BC. Bring your family call your friends and leave your phone off. Just enjoy!  Kyle or Kelly also cater to private parties.

Drink Responsibly 

Empty Keg Brew House is a member of the BC Ale Trail. Part of the membership is ensuring their beers are promoted and enjoyed responsibly by those adults who choose to consume them for the continued prosperity of the craft beer industry in British Columbia.  

craft beer in merritt bc canada

Join the Fun! Photo by Tania Stewart

CONTACT US

Empty Keg Brew House

2190 Voght St, Merritt, BC V1K 1C1

1 (250) 315-2337

www.emptykegbrewhouse.ca

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Craft Beer in Merritt BC

Nicola Valley BC Canada

 

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Retirement Planning in Merritt, BC

Retirement planning through financial planning fundamentals

“While portfolio performance is important, it’s only one component of your overall financial well-being”

Retirement Planning in Merritt, BC – Retirement is that one point in our lives that we are all working towards. There are no two retirements that are the same. We will all have our own unique journey while living in the Merritt, Ashcroft, Kamloops and Logan Lake area. However, there is more to it than just putting money away for our working lifetime. The years right before our retirement are the most crucial to have “all the ducks in a row”.

There is more to our retirement planning in Merritt than investment performance

Many investment advisors will only focus on how your portfolio is projected to perform with your retirement planning. While portfolio performance is important, it’s only one component of your overall financial well-being. A comprehensive financial plan planning focuses on meeting your needs over both the short and long term. We need to create certainty in all areas of your financial future.

Confidence in our retirement planning through the Six Pillars of Financial Planning

You may ask, “one component?” Yes, retiring can be stressful and is more complicated than you think. Any solid retirement plan should be looking at up to six different components. I like to call these the “six pillars of financial planning.” Each pillar is based on a foundation of tax efficiency.

Pillar # 1 – Managing cash flow

We start off by examining the cash and credit requirements needed while working towards our goals. This is achieved through cash flow analysis, secured lending, residential lending and tax-efficient income planning. We need to ensure we are paying ourselves more each year. Why? Inflation eats at the purchasing power of each dollar every year. 

Pillar # 2 – Preparing for the unexpected

Here we focus on developing comprehensive strategies that protect, preserve and provide for those that we care about. However, should something happen to us, we need to have a plan in place. Here we examine a few areas. 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? What would happen to our family if we were injured before retirement? What if a critical illness left us unable to earn a living for ourselves? Would our significant other be able to live comfortably if we needed long term care?

Pillar # 3 – Planning for major expenditures

This is a crucial step where we ensure we have a plan in place for making our goals a reality. This is where we look at credit/liquidity solutions, education planning, investment property structuring and even recreation property planning. What are your hobbies now? Car racing? Fishing? Or do you prefer the art or music scene? Most likely, what you do now for enjoyment you will do more of in retirement. 

Pillar # 4 – Optimizing your retirement

You have just finished working thirty, forty and maybe even fifty years. As a result, you’ve built up a nice “nest egg” for yourselves. Here we focus on managing retirement risks and preserving your capital. We also need to create enough income to support your retirement needs and goals. The focus is on portfolio construction and oversight, total return strategies, guaranteed income solutions and withdrawal strategies. 

Pillar # 5 – Sharing your wealth

Now is the time to create or review your existing estate plan. How would you like your legacy to live on? Here we choose the people and the causes that are important to you. After a lifetime of living and giving, certain charities and organizations become near and dear to us. This is our opportunity to give back through charitable giving. We also spend some time on the financial literacy of our beneficiaries. The goal is to ensure what you have worked so hard for is received and used in the wisest manner possible.

Pillar # 6 – Maximizing your business success 

Finally we have come to pillar number six. However, it does not apply to all. There are many business owners and entrepreneurs in Canada. The planning needed here involves another layer of complexity. I like to implement strategies that synchronize and enhance your personal and business financial plan. We look at personal and corporate tax integration and optimizing corporate investments. We also look at pre-liquidity planning and ultimately business succession. 

Don’t think or hope you’re doing things right, know it!

Retirement planning is a complicated process, I’m here to help!

 

 

Financial Planning in Merritt, BC

Nicola Valley BC Canada

 

Merritt, Ashcroft, Kamloops and Logan Lake BC in the Nicola Valley

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Merritt BC Outdoor Activities Covid 19 Style 

Social Distancing Outdoor Activities with Family & Friends in The Nicola Valley

Here are 5 outdoor activities in the Nicola Valley to be enjoyed while physical distancing

 

Merritt BC outdoor Activities throughout the Nicola Valley and in Merritt BC Canada. As a result of Covid19 we have spent months on end in our homes. Undoubtedly this is trying on the nerves and sanity. However, there is a glimmer of hope as Canada B.C is restarting the economy and loosening the travel restrictions. Now, with safety and respect in mind, we can now enjoy certain activities. Therefore here are “5” Activities we can all enjoy while safe distancing Covid19 Style around Merritt BC.  The following activities can be enjoyed during the upcoming summer and fall!

Merritt BC Outdoor Activity 1 : Horseback Riding 

Click for a complete list of horseback riding ranches, tours and guides in the Nicola Valley

Absolutely one of my favourite outdoor activities! Truly practicing social distancing while being outdoors taking in the beautiful “Nicola Valley”. Could it get any better than this! Playing cowboy / cowgirl in the wilderness backcountry of British Columbia. There are many options when it comes to horseback riding in the Nicola Valley.

Merritt BC Outdoor Activities

Horseback riding with our friends at AP Ranch. Photo courtesy of Tania Stewart.

Exploring the Nicola Valley on Horseback

Horseback riding is great exercise for the horse, and somewhat for yourself. The Merritt adventure offers a number of health and fitness benefits including the development of leg muscles, as well as, improving balance & posture. Most importantly, horseback riding reduces stress and refreshes your inner self. That is my take on the healthy benefits of horseback riding in the Nicola Valley. 

Outdoor Activities Covid19 Style. Photo courtesy of Tania Stewart.

“What better way to enjoy the wilderness” Photo courtesy of Tania Stewart.

 

Outdoor Activities Covid19 Style in Merritt BC.

Riding with a friend, Experience Nicola Valley Blogger Melvina White. Photo courtesy of Tania Stewart.

Merritt BC Outdoor Activity 2: Lake Fishing

Click for a complete list of fishing resorts in the Nicola Valley

It should be noted that the Nicola Valley boast’s some of the best fishing in the World! There are over 200+ lakes in the region. Many are prime lake fishing destinations. Some are even ideal ice fishing destinations as well during the winter season. During the spring, summer and fall,  Corbett Lake Lodge is one of the fishing resorts and lodges in the Nicola Valley. 

Outdoor Activities Covid19 Style

Corbett Lake Lodge, Merritt BC. Photo courtesy of  Corbett Lake Lodge.

Fishing Outfitter Store in Merritt BC     

Whether you are looking to catch that elusive “Big One” or just trolling, enjoying the outdoors, dropping some lures in a lake or riverbed.  But stuff happens! Oh no… you forgot your favourite fishing lure. Maybe the fish are biting but you do not have the right fly? Or the scorching sun is so hot, you need a good fishing hat? What ever your fishing needs drop into Ponderosa Sports downtown Merritt BC.  The outfitter shop specializes in trout flies & lures, and much more! 

MerrittBC

For that “Big One”. Photo courtesy of Tania Stewart.

 

Outdoor Activities Covid19 Style

Everything you may need. Photo courtesy of Tania Stewart.

“Best” Fishing Holes

Many arrive in the valley to fish… but where to fish is the biggest challenge? We do have over 200+ lakes. One place to start is researching using the most complete and largest Nicola Valley adventure website. Once you have your bearings than check out some of the fishing experiences on this blog site. Last, but not least, ask a local or contact us.  First hand information as well as the right lures are essential.  

Merritt BC Outdoor Activity 3 & 4 : Camping & Water Sports

(kayaking, canoeing, boating and swimming)

For a complete list of kayak and canoe activities in the Nicola Valley  and for paddle boarding too

Without a doubt “The Nicola Valley” offers some of the best lakes for every avid outdoors person. The valley is home to so many water activities for all ages. Come visit the valley for a day of fun or a week or two of camping in Merritt at one of our privately operated campgrounds or at one of our forestry wilderness campsites.  

“My favourite spot for camping in Merritt BC Canada, Harmon Lake in the Kane Valley,” Experience Nicola Valley Blogger Tom Reynolds

 

merritt bc camping

Harmon Lake. Photo courtesy of Experience Nicola Valley Blogger  Tom Reynolds.

Outdoor Activities Covid19 StyleMerritt BC.

We also have a beautiful Provincial Campground Park located 22 kms north of the community of Merritt, BC, Canada. The park? The park is called Monck Park

The Nicola Valley Provincial Park offers a wide assortment of recreational activities including camping, picnicking, swimming, fishing, boating, water-skiing, wind-surfing and hiking.

Covid19 Stylemerrittbc

Summer Boating can u beat it? Photo courtesy Tania Stewart.

Merritt kayaking

Kayaking on Lundbom Lake. Photo courtesy Tania Stewart.

 

Absolutely Beautiful Alleyne!

Nicolavalleycovid19

Alleyne Lake. Photo courtesy of Tania Stewart.

Merritt BC Outdoor Activity 5: Mountain Biking

Merritt Mountain Biking Association 

Located here in the Nicola Valley, the Merritt Mountain Biking Association is truly a great resource for mountain biking when you have arrived in the community.   Incidentally one of their primary goals is advocating for long term trail access by working with Government and community groups. Consequently, the MMBA was one of the first groups in the province to have an agreement with the crown to manage the trails they ride.  Get a hold of Jordan Pinto for more information. And dare to ride! 

 

Photo courtesy of  Jordan Pinto.

“Our intentions are to make the riding in the Nicola Valley a great experience,” Jordan Pinto.

Watch Video 

Filmed by Jordan Pinto going down the “Willow”

In Conclusion

Physical distancing refers to staying away from group gatherings and large public spaces where a virus can be easily spread, and keeping a distance of around two metres. Moreover we all must practice safety and “Wash your Hands”. Even though our country is opening up again, we all need to stay aware while enjoying our outdoor activities we love so much. Play safe. Play often. 

 

Merritt BC Outdoor Activities in the Nicola Valley

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