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Merritt Ice Fishing in the Nicola Valley – Fishing BC

Merritt Ice Fishing – Fishing Nicola Valley

A Lake A Day As Long As You Stay

A day ice fishing with friends and cousin at Marquart Lake

Merritt Ice Fishing is a great example of why we cherish our year-round fishing destination and winter wonderland. With over 200 lakes to choose from in and around Merritt and the Nicola Valley. We chose Marquart Lake. Who would ever think you would be able to catch a fish through a 10 inch hole and a 12 inch thickness of frozen ice.  I am sure the ice was thicker at some of the lakes higher up the mountains but this lake was perfect for a newbie.

Merritt Ice Fishing Prize of the Day

Cousin Guide Jay with his prize

Merritt Ice Fishing in The Nicola Valley

For one, who has only fished in an open body of water, the anticipation and excitement of trying to catch a fish through a 10 inch hole in 12 inches of thick ice was an experience like no other. Although fishing is is a great outdoor sport that is relaxing and fun, ice fishing is a unique experience adding a whole new dimension to excitement and pleasure. I didn’t exactly get to experience catching a fish myself, on this first ice fishing expedition but I did see evidence, that pulling a fish up through that 10 inch hole is how it works. It is a little difficult to put this experience into words, but I can definitely say this. I can see a healthy addiction blossoming real fast.

Ice Fishing through the hole

The Hole That Holds Anticipation

Let’s Go Fishin’

Jay and Dana my cousin fishing guides picked me up and we were on our way. The weather was overcast and snowing, although beautiful when we arrived at Marquart lake, About 10 minutes east of Merritt, BC. Situated on the Lundbom Lake forestry road.

Once we stopped, the cousin guides took 2 big sleds out of the back of the truck. They started loading it with stuff that made me wonder of we were going fishing for a week. Although they had  filled me in a little about the process of ice fishing. They forgot to tell me about the getting ready part. Like what has to happen before you get to the lake.

2 Sleds of gear for ice fishing

The Cousin Guides, Jay and Dana with 2 sleds of gear.

Answers To The Before Fishing Questions

They started out with. “Don’t let the cold stop you from having a fun filled day of fishing.” Ice fishing is a safe winter sport but it does involve a bit of preparation. All you need is some safety tips and tricks, a bit of basic equipment, some warm gear,  and you’re in business.

First Things First

Along with a fishing license, some minor safety equipment and tips are first on the list. It is important to learn to check the thickness of the ice.  Use a spud bar (a long piece of steel, about 4-5 feet in length with a tapered point at the end,) or an auger to check the thickness. If you are able to hit the ice twice in the same spot with a spud bar and the ice remains solid, you know it will be safe to step on it in that area. If you can break through it, the ice is to thin. Continue testing as you walk out onto it. Don’t ever assume all ice is safe because it can be inconsistent thicknesses throughout the lake. Watch for rotten ice. You can spot rotten ice by its discoloration, cracks, holes and any water flows underneath it may have.

Some basic rules to follow for ice thickness:
  • A minimum of 4 inches for people
  • At least 6 inches for snowmobiles and sleds
  • A minimum of 7-12 inches for light cars
  • At least 14-16 inches for full sized trucks

Bare Bone Gear For Fishing

According to the cousin ice fishing guides you will be needing some unique gear and some gear with a different twist:

  • Ice fishing Rod – 24- to 36-inches will make sense for an ice jigging rod when  you hover over an eight to 10 inch hole in the ice. 
  • Reel – popular ice fishing reels are spinning and inline. Even though spinning reels may be the most common, that doesn’t mean they’re the best. As the inline reels continue to gain ground, they will easily become the go to reel for ice fishing.
  • Rod Holder – Rod holders are a handy little gadget. There are a couple of choices. Some fit conveniently on the rim of a five-gallon bucket. The  stand-alone model  elevates your rod and reel just off the ice for easy positioning over the hole. Try both designs and decide which one best suits you.
  • Lures – Trying to find the fool proof lure is nothing less than a process. You have to try various lures to figure out what will work for you. I was told the three best places to get the lures you need to try or need for Merritt and the Nicola Valley was from Ponderosa Sports , Gun Fishing located in Merritt. Lucky Bug Lures  Products and information can be found in above sporting stores as well as on-line. You will need some hooks, split shot weights and a bobber (optimal).
  • Bait – Worms, Corn, Maggots, Krill, Shrimp.
  • Staple Tackle – line clippers, fish grabbers, pliers, hooks, sinkers, weights etc…

Ice Fishing Must Haves

  • Auger and Ice Scoop – Ice auger is what you use to cut the hole in the ice. Gasoline or battery powered augers takes the physical labor out of hole cutting and allow you to cut more holes than you would by using a hand Auger. Augers come in a variety of sizes to create holes ranging from four inches to 8 inches in diameter or larger. Make sure you have a strainer-type ice scoop, to scoop ice shavings and snow out of the holes.
augers in action in merritt

Cousin Guide Dana checking the ice and drilling a hole

Some Handy Extras

Ice fishing exposes a unique set of weather challenges for both the fisherman and his or her equipment. Let’s just say, ice fishing is one of those sports where preparation is just as important as the action of fishing itself.

  • Ice Fishing Shelter – it’s vital to your comfort, and even your survival, when you’re out in cold for extended periods of time. Of all the gear that you need on an ice fishing adventure, your ice tent may be the most important.
The Nicola Valley Eskimo hut

Cousin Fishing Guide Jay Setting up The House

  • Seat/bucket – Five-gallon buckets are a must piece of equipment. You can use them to carry gear, rest rods, and store your fish. The bucket caps are designed for your seating comfort while you patiently sit and stare at that rod watching for the big hit. The cap also doubles as storage for tackle storage.
  • Propane Heater – When ice fishing, a propane heater is sort of a must-have item for your tent. It takes the chill out of the air and lets you sit and watch that rod in comfort.
  • Comfy Chair – You’re likely going to be sitting for a large part of the day if you’re ice fishing. So your best bet is to choose a chair that is easy to carry, offers custom options when it comes to comfort, is sturdy enough to withstand 200 pounds in weight and can collapse easily for transport.
  • Sled –  An ice fishing sled is often overlooked. Sleds are a rugged and light polyethylene tub designed to haul all of your fishing gear and glide over ice and snow. Pick a size that should be able to  carry everything you need to go fishing. You might need 2 but 1 should be good if you choose the right size.

Electronics for Ice Fishing

One of the advantages to having fishing electronics is to help you find fish faster and mark hotspots for future trips. Having the cream of the crop equipment on the ice makes for a more comfortable, successful on the ice/water.

  • Fish and Depth Finder – Knowing how to use a fish finder for ice fishing is an essential part of your electronic gear. The first step is keeping the hole free of slush and finding bottom by using your depth finder. After you find bottom, slowly drop your lure down the hole. You should be able to find and see your lure as you slowly lower the lure. As you continue to lower the lure further down the water column, it will be easier to find. Reason being the depth-finder cone angle widens as the depth of the water increases. One advantage to using a sonar while ice fishing is you can move until you find or see fish. You are not going to catch fish that are not below you. Fishing without a Fish Finder is like looking for the needle in the haystack.
  • Underwater Fish Camera – An underwater fish camera is an essential tool to be able to  get a full picture of your fishing conditions. Underwater fishing cameras are great for ice fishing. Giving you a real-time video of fish and terrain, they also provide a better view of the lake bottom, including weed beds, and any fish swimming by. 
Reading the depth finder

Using the Fish Finder Checking Depth of Water and looking for fish

Dressing For The Fish

One thing I figured out real quick is that Mother Nature isn’t one of the most hospitable hosts I’ve ever come across. Assuming I was dressed pretty warm with a few layers. I was starting to freeze in about 3 hours. This encouraged me to do some investigating about exactly how to dress for ice fishing.

Cousin Guide Jay said, “Who do you think you’re dressing for? The fish don’t hold fashion shows.”

keeping warm fishing

Dressing for the ice fishing occasion

Ice Fishing Dressing Tips

  • Base Layers – Base layers keep your bodies warmth close to the skin. Long underwear is the most basic base layer and works fine. New advanced fabric base layers are lightweight and very thermally efficient.
  • Outer wear – Despite fishing from an ice shelter. Proper pants and jackets are important,  The best ice fishing jackets and pants are Insulated, windproof, and waterproof. 
  • Headwear – At minimum, you should wear a quality stocking hat. Even better are fur or fleece lined hats with ear flaps. Balaclavas are even better, as they have complete face and neck coverage.
  • Gloves – Fingers need protection from the cold and wind. Ice fishing gloves are waterproof, and have flip open finger covers to make dealing with fishing line easier. Gloves that have wrist coverage and can slide up underneath your jacket sleeves are ideal.
  • Boots – Insulated, waterproof boots are best for ice fishing. Keeping your feet warm is key to keeping the rest of you warm.
The End Of The First Merritt Ice Fishing Experience

Ice fishing is definitely a magical, social, exciting fun filled adventure that tends to get overlooked as a winter activity. Up until now I didn’t have a clue about ice fishing. This experience has opened my eyes to what a healthy, natural outdoor sport it is. A simple sport that you don’t need a boat for and little gear to get started. While this is true at the beginning, I can see adding the bells and whistles as you get hooked on ice fishing.

With Merritt having A Lake A Day As Long As You Stay it is inevitable that Merritt, BC is an Ice Fishing Destination.

Fishing Contest – Enter before March 30th, 2021

Ice Fishing Contest - Wes David ice fishing with Wes David

ICE FISHING PHOTO CONTEST
Win a $100 Gift Certificate for fishing gear and an opportunity for your photo to be used showcasing our Nicola Valley ice fishing season on the Fishing the Wild West TV Show with Wes David (30+ Million Viewers).
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More Information and Entry Form:
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Merritt Ice Fishing Destination

Fishing Nicola Valley

Nicola Valley Travel and Tourism Guides

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Okanagan Circle Tours from Merritt, BC

Okanagan Circle Tours from Merritt BC

Similkimeen Okanagan Road Tripping – Part Two

One of many tours starting from the Nicola Valley

 

Okanagan Circle Tours – In my last blog I was talking about circle tours from Merritt, BC, in particular from Merritt to Princeton and then onto the Okanagan. The first part of the journey was from Merritt, BC to Princeton, BC, Canada.  While this trip is fun any time of the year the best period would be early to mid August.

On the Road Again – Okanagan Circle Tours From Merritt, BC

When you leave Princeton you want to head out on Highway 3 going east towards Penticton.  This is a gorgeous part of the trip as you follow the beautiful Similkimeen River.  While there are many points of interest along this route I will be only mentioning a few since this is only a two day tour.  

 

Our first point of interest is Hedley, BC, home of the Mascot Gold Mine.   The mine was closed in the mid twentieth century but was turned into a tourist attraction by the Province and the local first nations people.  Unfortunately the tours ended in 2018.  Despite not being able to take tours  anymore it is still impressive to see the structures that were put in place to mine the side of a mountain.

Mascot Gold Mine

Mascot Gold Mine

Stop #2-Circle Tours From Merritt, BC

While there are many choices to stop for lunch, one of my favourites is Bromley Rock Provincial Park.  This is a perfect spot for a picnic.  As well as  a great lunch venue you could also take a dip in the river.

Bromley Rock Provincial Park

Bromley Provincial Park

Keremeos-The Fruit Stand Capital of Canada.

Keremeos is the last stop in the Similkimeen Valley on our Okanagan Circle Tour from Merritt, BC.  Most of the fruit stands in Keremeos  are the traditional type where the stands are selling fruit from their own farms which is not always the case in other areas of the Province. For example, in August you can get the best peaches because they come from the orchards behind the fruit stands.

 

keremeos fruit stand

Keremeos Fruit Stand

While fruit is the main claim to fame for Keremeos, the Cathedral Lake Lodge is a must see.  Unfortunately you won’t have time on this trip but do book mark it for another time.  The alpine hiking is inspiring.  As well there is plenty of time to do simpler things like reading your book in a comfy chair by the lake.

Cathedral Lakes reading spot

Cathedral Lakes reading spot

Penticton is next on our circle tour from Merritt, BC

Hopefully y0u have timed your trip so that you leave Keremeos by 4:30 or 5:00 so that you can make Penticton by early evening.  You will need to book a hotel for one night.  The more expensive ones are on Okanagan lake while more reasonable accommodation can be had near Skaha Lake.  

After you settle in you will want a bite to eat.  While they have all the fast food choices the Hooded Merganser is a spectacular place to eat.  While it is on the pricier side of things its location on the lake cannot be beat.  Otherwise you may want to try a winery on the Naramata Bench.  We’ve actually eaten at the Hillside Winery where we had an experience we will never forget.

Hillside Winery

Hillside Winery

When we arrived it was a beautiful evening.  However, the wind started to pick up and the clouds began rolling in.  At this point many of the diners left the patio to go inside, but not us.  The temperature was dropping and the waiters brought us blankets. The rain began in earnest but we were protected by a roof. We became the only patrons left on the rooftop patio.  As if the wind and rain weren’t enough along came thunder and lightening.  It was truly spectacular.  By the way, the meal was great.

Day 2 starts in Penticton.

You’ll want to be up early because this will be another fun filled day.  There are so many fun things to do from having a lazy beach day, winery tours, shopping and my favourite, tubing the canal.

For wineries the Naramata Bench provides 19 wineries in very close proximity to each other.  For shopping you will want to take in the mom and pop shops on Main Street. As well you will want to visit the funky galleries on Front Street.

Finally I do recommend the tubing.  If you didn’t bring one you can rent one at Coyote Cruises which opens at 11:00 AM.  Allow three hours for the trip and 1/2 bus trip back.

Floating the canal

Floating the canal

Next stop on our circle tour from Merritt, BC is Summerland.

Summerland is split by Highway 97 with the commercial section on the west side of the road and the beach area down the hill on the other side of the street.  One of the main attractions is the steam train.  You have to be careful though because you might get robbed by bandits on horse back!  You need reservations and you may not get on board if you arrive too late from Penticton.

Steam Train

Steam Train

However not all is lost as downtown Summerland has some great unique stores in downtown.

Our Final Stop on our tour- Peachland

You have to plan your arrival in Peachland at dinner time because you will want to have the best dining experience in the whole Okanagan at the Gasthaus on the Lake Restaurant.

Whether you choose to sit on the beautiful patio with its flowers and trees or in the Bavarian style of the restaurant you will be impressed.  The food and service is also great.  As the last thing to do on this trip you will want to take in an Okanagan sunset,  Peachland has a stunning walk way that travels from one end of the village to the other.  Also there are many scenic spots to stop and take in the surroundings.  All in all this is a great way to end your trip as you prepare to head back to Merritt, BC

 

Peachland waterfront

Peachland waterfront

This Tour Ends

While this tour ended it is obvious that Merritt is a great place to use as a base camp for circle tours.  After all there are eight roads leading into and out of Merritt.

Okanagan Circle Tours from Merritt BC

Similkimeen Okanagan-Part Two

 

Nicola Valley Travel and Tourism Guides

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Winter Outdoor Activities – Snow Games in the Nicola Valley

Outdoor Winter Activities

Adventures for the Family in the Nicola Valley

Winter activities enjoyed by all 

We in the Nicola Valley enjoy our outdoor winter activities despite the dark colder days of winter. Albeit, Canadian winter’s can be long and enduring. Although with a bit of incentive everyone can enjoy a winter day like no other.  Beating the winter blues with outdoor winter activities in the Nicola Valley.

Winter Outdoor Activities

Nicola Valley. Photo by Tania Stewart.

Outdoor Winter Activities Like Footprint Tag

Play tag as you normally would…but stepping only in others’ footprints. It should be noted to not have Bigfoot play with you. A slight size advantage there right? As a night time game, we would suggest using glow sticks or flashlights so it makes it even more challenging and interesting. 

Foot print tag. Photo courtesy of Sheldon Quewezance.

Night time tag or hide n seek! Photo by Tania Stewart.

Golfing in the Winter Snow 

Snow golf anyone? Take some time to smooth out a fairway and a green. Take an open can and plant it in the snow. This becomes the whole in one shot! Make sure to color your golf balls and tee’s. Truly easier to find in the snow. Indeed this is how we do golfing during Canadian Winters.

Winter Bocce Ball 

Bocce ball Covid style. Say what! How cool is this to play in the snow.  Bocce ball sets can be found at local Canadian Tire. Truly a ton of laughter will be heard.  

merrittBC

Bocce Ball.

Outdoor Curling Rink?

Due to Covid19 many avid curlers are without a rink to go to. Build a rink in your own back yard or on a lake. Come together as a family and throw some rocks. Good time safe bubble sport with social distancing. 

outdoorwinteractivities.

Outdoor curling rink. Photo courtesy of Pixel.

Other Winter Outdoor Activities

Go on a winter photo scavenger hunt.  This is how you start. Take a picture of an outside recognizable feature. Within the agreed radius. Each participant sends picture to all participants and the hunt is on to locate feature. Clearly it could be a tree or a street name, or even a snowman down the road. Importantly it is an outdoor adventure that is full of fun. Furthermore this winter outdoor activity could include you community. Social distancing while connecting and having fun. Winner’s photo will be shared on social media. 

Winter Outdoor Activities.

Scavenger Hunt. Photo by Tania Stewart.
Merrittwinteractivities.

Winter Games. Photo by Tania Stewart.

Outdoor Winter Activities for the Whole Family in the Nicola Valley.

Build a snowman or snow fort. How about a snowball fun fight? Round up your neighbors and have a friendly winter competition. Divide and conquer. Snowball fight bring it on! Follow up the fun with a creamy hot chocolate and a backyard winter BBQ.  

 

Feeling Artistic?

Host a snow sculpture competition within your neighborhood. Firstly find some  judges. Snowmen consist of three large snowballs of different sizes with some additional goodies for facial and other features. Common accessories include branches for arms and a rudimentary smiley face, with a carrot used for a nose. Clothing, such as a hat or scarf, may also be included for all!​

Winter Beauty is ours to enjoy! Photo from Tania Stewart.

More Outdoor Winter Activities

Ice fishing is considered one of the most recognized  Canadian winter activities. While some fishermen prefer to stay out in the open, most prefer a shelter.  Equally some people like to go big with luxury fish shacks that have heaters, stoves, beds and even T.V’s. My idea of ice fishing! Experience ice fishing in the Nicola Valley.

Ice Fishing

Ice Fishing Nicola Valley.
merritt ice fishing

Enjoy the solitude ice fishing in the Nicola Valley. Photo by Greg Girard.

There are numerous small lakes that are pure gems for ice fishing enthusiasts. Connect with the great outdoors and spend quality time with friends and family while on your Nicola Valley Ice Fishing Adventure. Safety first when you head out on the ice.

Ice skating and Pond Hockey.

Ice skating is truly a Canadian winter activity. Whether being a backyard rink or a frozen pond. Many Canadians can proudly say they spent many a winter days learning to skate and play on outdoor rinks. Apart from the usual sport, how about elevating it. Alternatively adding “Bowling” into pond skating. Set up some pin’s and bowl with skates on. Keep score and have a bawl with this. 

Merritt Cross Country Skiing 

Truly  cross-country skiing is one of the best ways to enjoy a crisp winter day. The Nicola Valley offer’s superb trails. Cross country skiing in the Nicola Valley starts and ends on the Kane Valley xc ski trails. With over  50 kilometers of groomed trails ideal for wilderness Nordic skiing. Consequently, the trails are well marked with signage, decorated with shelters (warming huts) and there are washrooms on site too.

merritt cross country skiing - kane valley

Cross country skiing on the Kane Valley Trails. Photo by Greg Girard

“First of all remember these 2 words – Kane Valley. That is all you have to do to get your next xc ski fix in the Nicola Valley.” Greg Girard.

Additionally, there is also sledding, snow tubing, snowshoeing, fat biking and winter hiking, as well as, stargazing. Merritt BC offers some of the best stargazing without big city light pollution. Truly ideal to stargaze. Each year the Merritt Astronomical Society hosts a large and roomy Star Party.  

Perfect Stargazing outside Merritt BC.

Snowshoeing 

Snowshoeing is the new winter hiking. Utilizing and exploring the same summer trails. Equally provides a winter perspective to the scenery. Lastly, snowshoeing trails are available in the Kane Valley region of the Nicola Valley. Plan a day picnic while  snowshoeing within Merritt’s beautiful backcountry. 

merritt snowshoeing

What a great day to go winter snowshoeing in Merritt. Photo by Pixel Bay

While there is always “Skijoring”

Skijoring,  is a winter sport that originates in Scandinavia, where it has been practiced for centuries. Laplander’s skied on Nordic skis holding the reins attached to reindeer. Subsequently by the mid 1950’s, skijoring found its way to North America. This time ranchers would attach a long rope to the saddle horn while being pulled on ski’s down a straight-away. Important to note the rider determines the pace and route for the skijoring adventure, while the skier attempts to hold on. Extreme maybe? Fun is what I  would say!

Horse Skiing. Photo “YouTube”

  
In Conclusion it is “Fun”

Despite the dark colder days. Nerveless we can all enjoy outdoor winter activities, especially when living in the Nicola Valley. Albeit Canadian winter’s can be long and enduring. Although with a bit of incentive everyone can enjoy a winter day like no other. Who is to say we can not enjoy summer activities during winter months. Playing summer games during the winter months can be hilarious as well as a lot of fun.  Ideally the point is to get outside with family and friends and have a lot of fun with a barrel full of laughs. And if feeling really brave try out Big Foot tracking. Enjoy all activities outdoors during our winter months in the Nicola Valley.

Winter Outdoor Activities.

Big Foot Tracking in the Nicola Valley. Photo Tania Stewart.

Merritt, BC, Canada

Nicola Valley Bloggers

 

Merritt British Columbia Canada Top Travel & Adventure Guides

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

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Christmas in Merritt BC – Santa Claus and Mrs. Claus

“Santa Claus” and Christmas in Merritt BC

A Nicola Valley Christmas with Santa from the North Pole

“Twas the Night Before Christmas and all through Merritt …”

Christmas in Merritt BC Canada is coming up and Santa Claus is busy looking over his naughty & nice list in preparation for the big night. It has truly proven to be a very difficult year for keeping off the Naughty List too. Therefore Santa is checking it twice to find out who has been naughty or nice. In doing so, Santa was very pleased with the children of the Nicola Valley, as well as, the Experience Nicola Valley Bloggers in their efforts of bringing good cheer into the homes of Merrittonians throughout the year.  

Christmas in Merritt BC

Santa checking the Naughty and Nice List twice from Santa’s Village in the North Pole

Mrs. Claus started Christmas in Merritt BC 

Christmas in Merritt BC started with Mrs. Claus accompanied by some poking and prodding from the Elves. One night talking with Santa, Mrs Claus was sharing some of the things she was reading about in the letters from Nicola Valley children. Meanwhile, the snickering Elves nearby hanging the Reindeer stockings were encouraging Mrs. Claus to take a Nicola Valley vacation. So she looked it up on ExperienceMerritt.com to learn more. She was hooked. 

Mrs. Claus Pays It Forward 

Mrs. Claus wanted to get a positive feel for Christmas in Merritt BC Canada. So she visited  the “Walk of Stars”, the Downtown Shops and some of the children, who are now adults, operating small businesses in Merritt during Covid 19. On her list was Blacks’ Pharmacy, Miss Vicki’s Petal and Plants, Planet Hair and Spa, Community Futures Nicola Valley and the City of Merritt Mayor, Linda Brown. 

Christmas in Merritt BC Must Go On

The Elves, the reindeer, Santa and Mrs. Claus all realize first hand how the children miss meeting with Santa Claus due to Covid19. Because of the pandemic Santa could not do his annual rounds visiting all the children throughout the world. Santa decided, based on the feedback from Mrs. Claus’ visit to the Nicola Valley, that Christmas in Merritt BC must go on!

christmas in merritt

Santa and Mrs. Claus discussing Christmas in Merritt BC

Interview with Santa and Mrs. Claus

Santa and Mrs. Claus agreed to provide Experience Nicola Valley a 1/2 hour interview on our community talk show called Nicola Valley Talk. Lucky me! I, Tania Stewart, was the host of that episode on Nicola Valley Talk which had Santa and Mrs. Claus as a special guest! They shared so many things during our interview about Santa’s Village, the North Pole, the reindeer, the mischievous Elves and Xmas Eve. Watch the interview below. 

Letters from Nicola Valley Children

After much consideration Mrs. Claus and Santa, along with their 90 thousand elves, decided to grant the Nicola Valley Talk Show an additional episode so they could answer the letters from Nicola Valley children live online. In addition, they would invite a few children online to talk and chat with Santa on a video call live from the North Pole in Northern Canada. We received letters and some video submissions too, making for great stories and answers.

We all know that  Mrs.. Claus runs the show in the North Pole. Without her,  Santa would truly be lost. Of course Mrs. Claus did all her research on the ExperienceNicolaValley.com and ExperienceMerritt.com websites! Notably she searched Merritt BC  Things To Do on Google and the Experience Nicola Valley and Experience Merritt websites came up 3 times on the first page! 

“They must be the community experts Experience Nicola Valley Bloggers. And I was right!” Mrs. Claus.

Meanwhile back at the North Pole 

Then there are the Elves who are dedicated and work tirelessly to make sure Christmas is special. In our discussions, we met the two head Elves, Alex and Daniel.  These two had it all together. Therefore they were in charge of feeding the Reindeer, building toys, and assisting Mrs. Claus with the banking so to provide Santa with his cookies.  

christmas in merritt bc elves

The Head Elves, Alex and Daniel, helping out at the North Pole.

“In the light of  all the work that Santa’s Elves do throughout the year. They are just so jolly and full of spunk.” Melvina White

To point out these are the 5 most asked questions from children as well as adult’s to Santa Claus. 

  1.  -“Do you remember when Santa and you got me a XXXXX when I was 6?”
  2. – “Is Xmas cancelled because of COVID?”
  3. – “Can the reindeer really fly?”
  4. – “How does Santa get down the chimney?”
  5. – “Are there really such things as Elves?”

Santa in 2021

We sure do hope to have Santa back next year on the show to answer and chat live with Nicola Valley children. 

Christmas in Merritt BC Canada

Nicola Valley Bloggers

 

Merritt British Columbia Canada Top Travel & Adventure Guides

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

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Winter Activities in Merritt BC.

Winter Activities in Merritt BC

Outdoor Winter Activities in The Nicola Valley

Getting outdoors and enjoying the crisp cold air is exhilarating to say the least.

Winter activities in Merritt BC – Albeit we all want to hunker down during the winter months and hibernate, sit back and wait for spring. Truth be told Winter is one of my favourite seasons to become more active and enjoy Outdoor Winter Activities in the Nicola Valley. Although nothing compares to swimming in a lake in the summer, ice fishing on that very lake in the winter is an “AHA moment”. Winter Activities in Merritt BC is an outdoors enthusiasts dream scape. Here in the Nicola Valley there is a winter activity for everyone to enjoy. Get outside and Experience Nicola Valley!

Winter Activities in Merritt BC.

Snowshoeing in Merritt.
Winters in Merritt, BC, Canada

Snowmobiling on Tyme Mountain – Winters in Merritt, BC, Canada.

Let us begin with cross-country skiing and snowshoe winter activities in Merritt BC.

Importantly and ideally the best place is” Kane Valley” for xc skiing and snowshoeing. It is only located 18 kms south of Merritt, BC, Canada. ExperienceMerritt.com points out that the Kane Valley enjoys a base elevation of 1160 metres (3800 feet). The timbered valley has a micro-climate that can provide ideal Nordic skiing conditions. The snow is generally dry, seldom more than 1 to 1.5 metres deep, and the air temperature is usually between 0 and -15 degrees Celsius throughout the winter. The best winter access to the ski areas is along the Kane Valley road which joins Highway 5A/97C near Corbett Lake, 18 kilometers south of Merritt. 

Winter Activities in the Nicola Valley.

Cross country skiing Kane Valley. Photo by
merritt cross country skiing - kane valley

Cross country skiing on the Kane Valley Trails

Snowshoes are welcome also at Kane Valley. Outdoor Winter Activities in The Nicola Valley.

Snowshoeing winter style. Photo by Bonnie Kittle.

Furthermore with Covid19 and self-distancing there has been an increase with people getting back outdoors and enjoying nature. Albeit cross-country skis can be cumbersome to younger children, snowshoes are much easier to navigate and you will forget you are wearing them.  

Now let us look at Snowmobiling. Outdoor Winter Activities in The Nicola Valley.

Snowmobiling is an outdoor winter activity everyone can enjoy in The Nicola Valley. While experiencing the crisp air and boundless trails. Snowmobiling in the surrounding  Nicola Valley is an outdoor enthusiasts dream. Snowmobiling in Merritt BC can be the ride of your life, as stated by EH Canada Travel.

“Come and experience a snowmobiling paradise in Merritt BC, Canada. From rolling hills, groomed trails to immense peaks our snow-covered landscapes offer a variety of snowmobiling adventures for all ages, abilities and desires.”

snowmobiling on Helmer Lake

One of the great winter activities around Merritt, BC.
Snowmobiling on Tyme Mountain - Winters in Merritt, BC, Canada

Snowmobiling on Tyme Mountain – Winters in Merritt, BC, Canada.

Ice Fishing truly an Outdoor Winter Activity in The Nicola Valley.

Ice fishing is not for the weak at heart. In other words having to deal with the wind, cold, wet feet and even picking the wrong drilling spots can be trying for some. However, ice fishing is a winter delight for many who enjoy fishing as a hobby. This is an activity anyone can enjoy, whether being a beginner or a pro. On the other hand, when the fish are not biting, make it a family day of fun with a hotdog roast and gooey smores. Lastly, make sure to check the depth of the ice. Safety is key! Need more information on ice fishing, go to “Getting Started for Ice Fishing.

Where to Ice Fish in the Nicola Valley?

Nicola Lake located 13km from Merritt is a favourite for ice fishing. Chicken Ranch Lake, another lake, offers great fishing for Brook Trout. The fish average in size around 1 lb but can reach up to 3 to 4 lbs. Alleyne Lake (near Merritt) fishes Kokanee. Generally speaking ice fishing usually starts in mid December as the colder weather brings over 6 inches of hard ice. Along with the fish still feeding because of the high oxygen levels in the water. Ideal ice fishing time!

Photo courtesy of Freshwater Fisheries Society.

What about Tobogganing? Truly a Winter Activity enjoyed in Merritt BC.

Surely one of the best tobogganing is just before Lundbom Lake. With easy access for cars this is an ideal place with some amazing hills to toboggan down. It is an outdoor adventure with a picnic. A historical fact – the toboggan was originally used as transportation by the Inuit and First Nations groups of Canada. Moreover do not forget the hot chocolate! 

Star Gazing outdoor winter activities in The Nicola Valley.

Star Gazing during the winter months in the Nicola Valley is ideal. Because it is a smaller community there is little-to-no light pollution to cover the stars at night. In effect the Nicola Valley is one of the best location for avid star gazers. Thus if you are a pro star gazer or a beginner this is your destination place.  

Star Gazing. Photo by Alessandro Viaro.
Winter Activities in Merritt.

Photo courtesy of Calwaen Liew.
Winter Activities in Merritt BC.

Winter Moon. Photo by Tania Stewart.

Even more there is Winter Hiking! 

Hiking Kentucky Lake.

Okay now let us talk about winter time hiking. Merritt is situated in a valley surrounded by mountains with an abundance of mountain trails. Makes for an ideal spot for all levels of hiker’s who like a challenge or just a hour stroll.

In addition the Nicola Valley offers trails that wrap around majestic lakes. Check out Kentucky Lake which offers a scenic hike around it’s lake. Assuredly the Nicola Valley has a wide variety of hiking trails available for all hiking abilities. Iron Mountain located just off highway 97C,  enjoys a 4k trek to the top. Worth the views.

Winter Hiking. Photo by Tania Stewart.

Hiking trails in Merritt. Photo courtesy of Tania Stewart.

Tom Lacey Memorial Trail. Located close to downtown Merritt. Truly a fun family hike. Then there is Sugarloaf Mountain which starts at Lundbom Lake. Follow the access road to Hamilton Lake, gives  you the most direct access to the top of Sugarloaf Mountain,

Winter in Merritt BC 

Winter activities in Merritt BC are numerous.  Getting outdoors and enjoying the crisp cold air is exhilarating to say the least. As previously stated winter in the Nicola Valley offers ice fishing, tobogganing, snowmobiling, snowshoeing, cross-country skiing, hiking, and star gazing. Further more Merritt has numerous Hotel accommodations for travelers along with a great selection of downtown shops with fine eateries for all. Let us bring back skating on lakes what about outdoor hockey with masks.  

Winter in Merritt, BC, Canada

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Estate Planning in Merritt – Kamloops – Logan Lake

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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Merritt BC Birdwatching and Wildlife From My Home

Merritt BC Birdwatching & Wildlife Watching from Home

Photo’s of Nature  During Covid19 Merritt Canada

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

 

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

Merritt BC birdwatching through Photography

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

Not Merritt BC Birdwatching

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

Enjoying Merritt nature during isolation.

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

Albeit when standing guard for your peanuts! 

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

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

merritt bc birdwatching

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

birdwatching in merritt bc canada

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

Types of squirrels

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

Life as a Squirrel

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

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

Fast n Furious! Photo by Tania Stewart

They help plant trees

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

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

Spring is here! Robins are back. Image Tania Stewart

 

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

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

Standing guard over his nest. Image Tania Stewart.

Caw to the Crow.

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

birds of merritt bc canada

My friendly Crow. Image Tania Stewart.

OK I admit I love Crows!

crows are birds too

Image Tania Stewart.

Merritt BC Canada backyard birdwatching includes Robins!

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

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

Merrittrobins

Welcome back! Image Tania Stewart

The call of the Morning Doves

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

birdwatching in nicola valley

Apples are great! Image Tania Stewart

It’s a Birds Paradise! 

backyrad birdwatching in merritt

Waiting for feed. Image Tania Stewart

Taken in some shade! Image Tania Stewart

During Covid19. All bird feeders are open.

birding in merritt

Backyard friends. Image Tania Stewart

merritt birdwatching

Two legged prowler! Image taken by Tania Stewart

birdwatching in the nicola valley

Birds are always singing. Image Tania Stewart

 

Deer are always welcome to visit during Covid19.

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

deermerritt

Image taken by Tania Stewart.

Furthermore Oliver

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

Oliver loves the Outdoors! Image taken by Tania Stewart.

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

Additionally you may run into this little critter!

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

Small but adorable. Image taken by Tania Stewart.

Nature During Covid19 in  Merritt, Canada

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

Merritt BC Birdwatching

Wildlife Watching from Home

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Outdoor Berry Picking Merritt BC.

Outdoor Berry Picking in Merritt BC

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

Outdoor family fun while picking berries around Merritt BC

 

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

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

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

Outdoor Berry Picking Merritt BC.

Can you almost taste it? Photo by Tania Stewart.
Outdoor Berry Picking Merritt BC.

My favourite, raspberry! Photo Tania Stewart.

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

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

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

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

Outdoor family fun time picking wild berries around Merritt BC 

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

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

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

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

Canned Jam. Photo Tania Stewart.

Outdoor Fun Time Berry Picking in Merritt BC.

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

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

Red Current Berries.

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

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

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

Red Current.. the blossoms are tasty too.

Wild Blueberry

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

Blueberries.

Not to mention 

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

Saskatoon Berries

Saskatoon berries.

Berries are wild

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

What about Choke Cherries?

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

Chokecherries I picked. Photo by Gerome Garcia

In Conclusion.

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

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

Berry Picking in Merritt BC

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Outdoor Activities Merritt BC – Nicola Valley Fall and Winter Seasons

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

The whole family can enjoy outdoor activities in Merritt BC

Merritt outdoor adventures and attractions

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

Outdoor Activities Merritt BC.

Fall color’s. Tania Stewart.

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

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

The Sights, Smells and Sounds of a Merritt Autumn

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

Hiking surrounding Nicola Valley Mountains.
Outdoor Activities Merritt BC.

Fall mountain biking. Photo Merritt Mountain Biking Association.

To Say Nothing of Hiking on a Crisp Winter Day 

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

winter hiking in merritt

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

Sunny winter day of hiking. Photo by Tania Stewart.

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

Despite the Temperature Change Life Goes On

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

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

Colours of Kentucky Lake

Colours of Kentucky Lake. Photo courtesy of Tom Reynolds.

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

Iron Mountain

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

Hiking Trails Merritt BC. Photo by Tania Stewart.

Tom Lacey Memorial Trail

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

 

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

Merritt XC Skiing and Snowshoeing

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

 

merritt cross country skiing - kane valley

Cross country skiing on the Kane Valley Trails

merritt snowshoeing

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

Winter Hiking. Photo by Tania Stewart.

In Conclusion

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

Outdoor Activities Merritt BC

Fall and Winter Adventure sin the Nicola Valley

 

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Managing Cash Flow Merritt – Logan Lake and Kamloops

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!

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Managing Cash Flow – Nicola Valley

 

Financial Planning Near Merritt, BC

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