Posts

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.

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

ExperienceMerritt.com

 

Nicola Valley BC Canada

 

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

Merritt British Columbia Canada Top Travel Guides

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 & 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 & 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 & 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 & 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

Facebook

 

Craft Beer in Merritt BC

Nicola Valley BC Canada

 

Nicola Valley Brew House

Merritt British Columbia Canada Top Travel Guides

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

Merritt British Columbia Canada Top Travel Guides

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

Merritt British Columbia Canada Top Travel Guides

Financial Planning In Logan Lake British Columbia

Holistic Financial Plans uniquely designed for each individual family 

“I am a firm believer in saying “yes” to something and figuring it out afterwards. I am now performing webinars that can be viewed online because being elderly or having poor health shouldn’t stop people from learning.” 

Financial Planning in Logan Lake – I generally spent 2-3 days per week working from home and creating financial plans for families and businesses here in Logan Lake, BC.  The other 2-3 days per week I spent meeting with people face to face, updating or creating plans with families and businesses in the surrounding areas. An average week I would find myself in Kamloops, Merritt, Cache Creek or Ashcroft meeting with people who desire advice and guidance on how to grow, preserve or protect their net worth. 

Financial Planning in Logan Lake - we come to you

Warm weather is here! Time to stretch the legs!

Social Distancing for Financial Safety

However, social or physical distancing is the “new norm” for the moment. Meeting face to face with families and business owners right now to perform financial planning is difficult in some situations, but not for all. Going from home to home in Logan Lake, BC at this time is challenging. With some of my clients being elderly and/or immune compromised, I’ve been focusing more on phone calls and video meetings. I’m not worried too much about my own health, I don’t believe I would be at risk of it affecting me that greatly. I find myself more worried about unintentionally spreading a sickness to someone else. I’ve been taking precautions to ensure I stay distanced from my clients, whether they are new or existing clients. I use my pen, you use yours. Interestingly enough, pens aren’t used a whole lot these days. They might be making a come back. 

Change Came Quickly to Ensure Safety for All 

I quickly learned I needed to adapt to this ever changing landscape. Soon, I found myself in the middle of March. However, due to COVID 19, I stopped meeting face to face in the beginning of March as things began to change. Before COVID19 I had never hosted a meeting on Zoom before. I had attended multiple meetings but that was it. My wife, Jennifer and I have a busy home with 7 children ruling the roost. Creating financial plans in an office at my parents house in Logan Lake, BC was a normal thing to do.  However, my 89 year old grandfather lives with them as well. Because I could not risk somehow transmitting COVID19 to him, I had to make a change to my own process. 

financial planning logan lake

Home office in a hurry, I sometimes have little visitors.

Financial Planning from Home in a Hurry

Rumors and discussions with my co workers in Kamloops, BC were leading to the temporary closing of our office. With this out of the picture I had to improvise. I did some quick measurements of our bedroom and re-arranged our furniture to make my new home office. I purchased a desk from Staples and comfortable chair from Jysk in Kamloops, BC. Now I could continue working from home performing financial planning in Logan Lake, BC. 

Digital Meetings for the First Time

Knowing I had to figure this out, and quickly, I performed a Zoom meeting with my parents just to test it out. We needed to connect anyways to review their financial plan and ensure that their retirement was still solid. Because this market volatility that was happening throughout the global economy, we needed to confirm the planning was still on target. Learning how to create and schedule a Zoom meeting, inviting people to that meeting and running a meeting was a neat learning experience. Over the past few weeks, I’ve held multiple meetings now with my clients and with some new clients also through utilizing this valuable communication tool. 

Seminars On Hold, Moving On To Webinars

With restrictions on how many people can now come together, I cancelled all the seminars I had planned. However, I still wished to explain the benefits of financial planning to my community and far beyond. Over the past few months I had worked with Community Futures – Nicola Valley and the Logan Lake WHY (Wellness – Health – Youth). With my new found wisdom, I jumped immediately into Zoom webinars. I am a firm believer in saying “yes” to something and figuring it out afterwards. I am now performing webinars that can be viewed online because being elderly or having poor health shouldn’t stop people from learning. Those that are willing to learn more about financial planning can do so from the comfort of their own home. 

financial planning nicola valley

A walk in the woods, and some fresh air between meetings.

Financial Planning in Logan Lake, or British Columbia, Has Not Changed

What I do for families and businesses, as well as, financial planning in Logan Lake, Merritt, Kamloops, Cache Creek, Ashcroft, has not changed. The process remains the same. No adventure begins by only entering the starting point into our GPS. First, it’s important to get an accurate picture of where we are now. Second, it is important to know exactly what your life and business goals are. In conclusion, we must ask yourselves, “is something as important as our financial well being worth taking a wrong turn?”

Comprehensive Financial Planning in Logan Lake British Columbia

“A Goal Based Approach to Financial Life”

Merritt, British Columbia, Canada


Merritt British Columbia Canada Top Travel Guides

Merritt Planet Hair & Spa Re-Opening Covid 19 Style

Planet Hair & Spa’s Grand Re-Opening

Were You Go To Get Your Locks On!

 

Accordingly to 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!

bcplanethair&spa

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 

Safe while having your hair washed.

Kathy has made sure your health is number one when visiting her shop in the Nicola Valley. She has her staff well

Social Sitting!

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 favourite 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.

Planet Hair & Spa in Merritt BC

Were You Go To Get Your Locks On!


Merritt British Columbia Canada Top Travel Guides

COVID 19 in Merritt BC

The Nicola Valley hunkers down in self isolation creating some quality time for self reflection and some random musings.

Merritt British Columbia, Canada and the COVID 19 pandemic has created a new normal.

COVID 19 in Merritt BC – Never before, could we have imagined that the community of Merritt BC Canada, the country of Canada and the tourism industry would be brought to a stand still. Life as we knew it changed in just under 2 months ago. Consequently, I will be the first to admit we were caught off guard. Did not see this storm coming. 

The Realities of COVID 19 in Merritt BC

Not long ago tourists were planning summer vacations, public music events, road trips and adventures to  the Nicola Valley. Today, we are cancelling vacations, taking up long lost hobbies, learning new technology, self educating, working from home, as well as, maintaining social distancing when we go out into our communities. It is a brand new world. 

“This is not an equal opportunity pandemic. … Marginalized communities will be disproportionately impacted.” — Katherine Scot, a senior economist with Canadian Centre for Policy Alternatives.

social distancing in merriitt

Social distancing in the Nicola Valley

Stars of Self Isolation

The crisis named COVID 19 has shown many of us here and around the world who the real heroes are in our country. Our musicians, actors, sports stars are no different than us during this COVID 19 era. They too are in self isolating. They too are in lock down. 

The Real Hero’s in Our Communities

Look who has emerged as our community heroes. The grocery store employee, the guy pumping your gas, the delivery person who brings you your pizza, the truck driver who stocks our stores, the person who picks up our garbage,  our health care workers and others. A big “Virtual Group Hug” goes out to all who are keeping the lights on in our communities.  They are the foot soldiers fighting this battle on the front lines. 

front line workers in merritt

Support our front line health care workers.

Merritt BC is Not Immune

In Merritt BC it may look like COVID 19 is non existent. Just because we are not seeing and hearing the numbers of COVID 19 cases in the Nicola Valley or in the Thompson-Okanagan region, does not mean it is not here. Consequently, lets remind ourselves  that all it takes is one carrier of the virus to take down a community. Why take a chance and roll the dice with the Devil himself? 

Grow Some Manners

Fortunately and unfortunately I have seen the true colors in some people come out during COVID 19. Mostly it is all good, some not so good. The good is most of us our respecting each others space as we self isolate. Sad, is that not everyone is being kind. How people can be so rude and disrespectful boggles my mine. For example, while getting groceries I witnessed a man swear at a Senior in a grocery store because she said he was too close to her. Valid right, not to mention it is her life that is at risk. How would anyone take offence to that comment? I was disgusted in the man. The lack of respect was unacceptable. I spoke up and then was told to %^$# as well. The senior smiled and said thank you. 

 

Be thankful Merritt. We are Lucky

Regardless of your opinion, real or not, that is beside the point.  The point is we are one of the lucky ones… so far. That is something to be grateful for as that means our friends and family are in a safer situation than in other areas of the country and world. Recently I am reminded how lucky we really are to have dedicated nurses and doctors in Canada. I have heard and seen the honking, and beeping cars, trucks, ambulances and police as they drive by saluting the Nicola Valley Hospital.  It is a beautiful thing. 

Be Kind During Self Isolation 

Social distancing to me is an opportunity to show my respect and love for our seniors and elders, my friends and family and to all the people in my community and Canada.  I have a renewed admiration for those that keep positive in this very challenging time. I get it. It is hard.  I am practicing self isolation too because I do not want to be part of the problem. By the same token I want to be part of the solution. So, I do my best and phone my friends and loved ones regularly because I care and do not want them to to be engulfed in a dark world surrounded by loneliness.

Who are your Self Isolation Heroes?

I believe we need to look and start acknowledging the Nicola Valley self isolating heroes more. Why not push out some positive messages of active people in the community who are holding back their social urges because it is the right thing to do. Examples of good people doing such a thing are people like Tom and Shirley Reynolds right here in Merritt BC.

“It’s a time to look forward, not behind. I think it’s timely to think ahead. Yes we’re faced with another global health challenge, but every day will be a little better than the day before. We’re looking forward.” — Darrell Fox, Terry Fox’s brother, on the 40th anniversary of the start of the Marathon of Hope.

nicola valley bloggers

Tom and Shirley Reynolds practicing self isolation

This is a Test on Humanity

The only way I see us coming out of this is to continue to practice self isolation, social distancing and being kind to each people. When this is all said and done, many must ask themselves, “Was I a good person during COVID 19?” and “Did I help the problem or did I contribute to it?” In conclusion, it is times like these when one’s morals, ethics and integrity are measured. How do you measure up on the humanity scale?

Nicola Valley Self Isolation Lessons

COVID 19 in Merritt BC

 

Blogging in Merritt, B.C.

Creating your Merritt Canada stories and experiences for the world


Merritt British Columbia Canada Top Travel Guides

Destination Merritt in the Winter
Tourism Nicola Valley.

Merritt BC Canada in the Winter 

“Go were no man have hardly gone before.” Tania Stewart, eco blogger with Experience Nicola Valley

Merritt in the Winter can become a top destination point for Tourism in Canada. 

Make Merritt in the winter your destination. Why not? There are no crowds. Outdoor winter adventures are plentiful like xc skiing, snowmobiling, ice fishing and snowshoeing.  Why not make the Nicola Valley your “New” winter spot during the snow season.  Merritt is alive and well in November, December, January and even into March in the mountains. Indeed just ask Jason Pake and his wife Trina Hall along with daughter Jasmine Ashley who Experienced the Nicola Valley in November.

merritt in the winter months

The Nicola Valley under some Living Skies

Albeit The Nicola Valley it so Beautiful!

Taking part in winter activities has so many benefits. For example, a good winter activity can help ease the winter blues while boosting your body’s immune and respiratory systems.  And… if you have children, you already know that winter adventures tires them out so they go to bed sooner and sleep better during the night. The result is a quieter, more romantic and peaceful cuddle around a fire with your other half. 

outdoormerrittbc

Make Merritt your destination. Photo Credit: Tania Stewart

In fact take a look!

wintermerrittbc

Your winter backcountry awaits you. Photo Credit: Tania Stewart.

 

 

 

 

 

 

 

 

To clarify, Merritt is an ideal base camp, for day tripping.  

Destination Merritt in Winter

Jason Pake with Trina Hall.

Make Merritt BC your base camp when exploring the region. Merritt sits at the junction of 4 major highways heading north, south, east and west. Ideal for winter day trips. For instance leave early and spend a day hiking in Whistler BC. It is a 4 hour or so drive to Whistler from Merritt BC.  Plus image the time and money saved with restaurants , accommodations and convenience when Merritt is your base camp.

Accommodations in Merritt, like the Best Western Plus , Comfort Inn, and others in the Nicola Valley provide top amenities and services at a fraction of the price.  (Here is a link to a full list of accommodations and contact information)

Additionally taking in Merritt’s Activities.

Bowling in Merritt

Friday Night’s in Merritt BC can be a lot of family fun too at the local Bowling Alley. Bring your “A” game though! As a matter of fact Merritt’s Bowling Alley has provided decades of “Fun” for many generations. There are 8 lanes  5-pin bowling along with the venue being fully licensed. 

Nicolanes Bowling is open everyday of the week for a lot of fun with friends, family, or colleagues. For instance, go bowling for staff parties, birthdays, family reunions, or just a night out on the town.  That is come meet new people while being active.Truly “Bowling is fun for ALL ages!”

Explore Merritt in the Winter

Before making Merritt your winter destination, plan out your Nicola Valley winter activities – outdoors and indoors.  This includes day-tripping Merritt’s neighbouring communities, visiting our art and culture venues and events, as well as, exploring any of our top notch xc skiing, snowmobiling, snowshoeing and ice fishing destinations. 

 
merritt ice fishing

Enjoy the solitude ice fishing in the Nicola Valley.

It is All in the Attitude

outdoornicolavalley

Sharing nature with your family!

Plan a winter adventure and then the after party. After a winter hike, skiing cross country trails, shredding snow in a snowmobile or sitting back in your ice shack ice fishing why not finish your day around a cozy campfire sharing stories. Or… a bonfire like our photo. 

“Winter activities, like snowmobiling, xc skiing and snowshoeing will release some of that pent-up energy, and cause your body to burn fat.”

You should know… one of BC’s top snowmobiling destinations is just up the road from Merritt BC. Snowmobiling around Merritt is truly spectacular. It is

MerrittBCwinter

Outdoor winter activities for kids!

called “The Coke” which is short for Coquihalla Highway. I am going on a limb and say, “Merritt is the “Powder Capital of Snowmobiling in BC”.

Consequently, just south of Merritt are the Kane Valley XC Ski Trails. “Cross Country Skiing” at Kane Valley is a must for all lovers of the winter backcountry. Bring a camera for the picturesque scenery along the trails and, yes, there are warming shelters along some of the xc ski routes as well.

Even more impressive, is our four-pronged approach to winter adventures here in the Nicola Valley. Rounding out at #3 is the  “Ice Fishing” opportunities in the region. We enjoy over 200 lakes in the area. Many are ice fishing lakes. And #4 is snowshoeing. Pick a backcountry road or head to Kane Valley.   

“Before heading out for a winter activity, be sure to dress accordingly — ideally, in layers, and let someone know where you are going and always carry emergency back up supplies, ” says me, Tania Stewart.

NicolaValleyBCCanada

Destination Merritt Exploration in the Winter. photo Tania Stewart.

Make The Nicola Valley your Destination Home Base.

merritt cross country skiing - kane valley

Cross country skiing on the Kane Valley Trails.

winter in merritt bc

Winter snow time! Photo credit – Experience Nicola Valley.

Just So You Get It.
Merritt BC is centrally located.

Accommodations are affordable in the Nicola Valley compared to many of the surrounding bigger cities and communities.  Merritt has “Base Camp” written all over it.  Enjoying sightseeing day trips without the hassle or added expense of moving from one accommodation to another is a big plus when exploring from Merritt. Spending a lot of your time unpacking and packing up, over and over again, can be a big time waster on any vacation.

Day Trip Destinations

Nearby Kamloops is 87 km with one hour travel time from Merritt. Here is the plus. There are 2 main roads leading to Kamloops from Merritt. The quick and fast Kamloops connector (Highway 5). It is an up-and-over highway through the mountains. The other route (Highway 5A), is a little bit longer, many say more scenic, cuts and snakes its way around the mountains passing by lakes, ranches and grasslands. It makes for a perfect day trip with two routes of scenery. 

Kelowna Day Trip

Sun Peaks Resort.

Kelowna, best accessed from Highway 97C,  is just over the mountains to the south of Merritt BC. The distance to Kelowna is 127 km and about only 1 hr 36 minutes away. In Kelowna there are 2 ski resorts to enjoy as a winter day trip – Big White Ski Resort and the other is Silver Star. 

Feel the Need to Ski?

Sun Peaks Resort and Harper Mountain.

Beyond is Hope BC.

Othello Tunnels

While the drive is spectacular. Its only 120 km – 1 hour drive from Merritt to Hope BC. Incidentally Hope has many attractions. Many with no crowds and most are very outdoorsy. Take the Othello Tunnels. It is a series of tunnels through mountains over a gorge providing scenery and some history. You know what tunnels mean right? They can be enjoyed in sun, rain and snow and you stay dry. 

Winter in Merritt BC

Notably the Nicola Valley is becoming a better recognized winter destination for the region. The secret is out.  November, December, January or February are home to many outdoor winter attractions as well as many indoor ones. 

|Some of the indoor venues to visit during the winter months include Merritt’s Aquatic Center with a pool, 2 x hot tubs, a sauna and a fully equipped fitness room. For all avid shoppers, Merritt boast’s a downtown hub full of shop’s, cafe’s, historical pubs, gift stores, services, and nail salons.

Time your visit right, and you can come a enjoy a local hockey game with a Junior Hockey Team – the Merritt Centennials . So… the question is, “What are you going to do in Merritt in the winter months?” The answer better not be a “Couch Potato”.

Check out further information at Experience Nicola Valley.

Winter in Merritt BC

Nicola Valley and Merritt Winter Attractions and Day Tripping

Merritt British Columbia Canada Top Travel Guides