Showing posts with label latino. Show all posts
Showing posts with label latino. Show all posts

Wednesday, July 13, 2011

Zulima Wesso: Teaching children to embrace multiculturalism

We continue our series about Hispanics contributing positively to the Canadian community with Zulima Wesso, originally an architect from Colombia, who received one of the awards for Canada's Top 25 Immigrants 2011 for her efforts in raising awareness of the benefits of multiculturalism and multilingualism via an English-Spanish children publication, Kiddo Magazine, created for readers between 4 – 14 years of age.
From the article in canadianimmigrant.ca:

Zulima Wesso, one of 2011's Top 25 Canadian Immigrants.
Necessity is the mother of invention. This best describes the birth of Kiddo Magazine, founded by Zulima Wesso, an immigrant from Colombia. Through the bilingual (English and Spanish) publication, she has created a platform to interact with other mothers within the community, while informing the mainstream Canadian community about the rich Latin American culture. The magazine is even adapted as a teaching aid by parents, caregivers and teachers.
“After I became a mother of twin boys, I realized that raising children in a foreign country without your network of support was the biggest challenge I faced,” the architect by education says, noting that even overcoming her language barrier and adapting to the Canadian way of life were easier for her.
Helping new immigrants settle strengthens our own communities, she strongly believes. “The sooner they are integrated into our society, the sooner they will be part of its development. It is important that people quickly feel a sense of belonging to their new community to start producing and making it a better place for everybody.”
The St. Catherines, Ontario-based publisher also co-founded Luna Art Club, which promotes theatre, arts and crafts among children. “It is very important what we choose to leave behind for our future generations to follow. Our culture is our legacy and I am thrilled to be working on its preservation and dissemination,” Wesso says. “It gives me a sense of accomplishment and fills my heart with happiness. To me, this is success.”
Even though her architectural licence is still in the process of being accredited in Canada, she has overcome this limitation and has surpassed the expectations while working for an architectural firm.

From an article at Thinking Latino about Zulima Wesso:

This award is a great opportunity to profile how the culture and languages we bring from our countries of origin can be a resource for Canada in strengthening the nation and its already wonderful quality of life,” said Wesso. “The purpose of initiatives such as Kiddo, is to build an ethno cultural heritage with the 100% Canadian content contributed by multicultural professionals.”



Kiddo Magazine, her creation, is a bilingual English-Spanish magazine that encourages reading through a variety of topics for the most discerning tastes. Their latest addition to the team was Captain Leaf. Leaf, Kiddo’s hero, is on a quest to save the planet using all kind of green initiatives and eco-friendly strategies.

Saturday, July 2, 2011

Liliana Angarita: From Colombia to Toronto to help others- The Toronto Star

Another look at Hispanic immigrants contributing positively to the Canadian community.


Elvira Cordileone's article in the Toronto Star:
  On a frigid December day, Liliana Angarita, her husband, Mario Guilombo, and their 5-year-old daughter, Lilian, fled to Toronto from Colombia, with nothing but the summer clothes on their backs.
A gunshot had changed their lives.
In the fall of 2001, as the family walked along a street in Bogota, a bullet cut through the air and pierced their little girl’s leg.
The child’s shooting was no accident. It was a final warning to Guilombo, a lawyer working in the anti-corruption office of Colombia’s navy, to stop his investigations.
The people with secrets to protect had already made five attempts on his life — and he shows the scars to prove it. When they told him his mother would be next, Guilombo started planning their escape.
While Lilian recovered in the hospital, he got in touch with a man who had contacts in the United Nations and the International Red Cross.
Within 24 hours, a UN member nation agreed to accept them as refugees but, for the sake of security, their destination was kept secret from them until their departure a month later.
Mother and daughter fled Bogota as soon as Lilian was released from hospital, moving from city to city while Guilombo waited for their papers to be approved. They told no one of their plans, not even close relatives.
Angarita, 42, says they only learned they were headed to Canada on their way to the airport.
“December 18, 2001. Very, very cold. No appropriate for clothing,” Angarita recalls, her English hesitant.
Reliving that difficult time makes her weep, and she apologizes for the tears.
She says a Canadian immigration official met them at Pearson airport and handed them coats, jackets and boots. The woman then put the family in a taxi and sent them to a shelter in downtown Toronto, where they remained for a month.
“It was a situation of desperation, crying, and no family here,” Angarita says, shaking her head.
That sense of dislocation and loss during those dark, early days so marked her, Angarita has made it her life’s work to do everything she can for others in similar circumstances.
In the process, she has built a meaningful and rewarding new life. Angarita has been recognized for her contributions to her adopted country as one of this year’s Top 25 Canadian Immigrants.
Since they came to Canada, Angarita and Guilombo have co-founded several organizations, including Casa Latino American, now called Casa de las Americas, to help victims of violence and human rights abuses.
In 2007, they helped establish the Canadian Human Rights International Organization (CHRIO), a non-profit agency for immigrants and refugees, where they continue to work full time as volunteers.
Olga Umana, a CHRIO volunteer, nominated Angarita for the immigrant award. She worked as a lawyer in El Salvador before immigrating to Canada two years ago.
“Everything (at CHRIO) is by her hand,” Umana says. “She’s in charge, especially for community help. She’s very nice, very friendly. I don’t know how to say — very able.”
The agency operates out of two trailers at the back of the Northminster Baptist Church parking lot, on Finch Ave. near Jane St. The church lets them use the space rent free in exchange for maintaining the grounds.
“CHRIO is pretty much the last stop for people who don’t know what else to do,” says Jonathan Whiteside, a Northminster pastor and CHRIO president.
Whiteside says many of the 3,000 people they helped last year were refugee claimants who’d lost their bids to stay in Canada and were “terrified” by the prospect of going back.
“We aren’t focussed on resettlement. Nevertheless and inevitably, a lot of the work is that. So we have clothing, furniture, computers, things that come our way even though we’re not looking for them.”
Guilombo directs the legal and human rights work while Angarita manages social and community services, which includes fielding desperate calls at all hours from people needing help.
Angarita also co-ordinates the work of CHRIO’s more than 100 volunteers: Lawyers, social workers, psychologists, human-resource specialists, artists offering classes, technical people for computer help and those who keep the trailers clean and maintain the church grounds.
“I’m president but they do all the hard work,” says Whiteside, who ministers to the church’s Spanish-speaking congregants.
CHRIO provides services free of charge, says executive director Carlos Rodriguez-Tascon, a financial planner. Its annual budget is less than $4,000 per year, all of it donated.
Whiteside says most of that money comes out of the Angarita’s and Guilombo’s own pockets.
The family survives on social assistance, Guilombo says. If CHRIO’s application for charitable status gets approval, he hopes there may be room for salaries in the future.
“The money isn’t important,” Angarita says. “It’s the life (that matters).”
Until now, she has managed to keep a low profile. She confesses all the attention the immigrant award has brought makes her “a little scared.”
She’s used to attending award ceremonies. Her husband has received a fistful of them, including his own Top 25 Immigrant award in 2009.
In her spare time, Angarita studies social work and early childhood education through online courses.
Perhaps soon, the little girl who took a bullet because of her father’s work will also get her share of accolades. Lilian Guilombo, 14, who plans to study law, serves as CHRIO’s junior director of human rights. She oversees a team of 10 kids who monitor cases of rights abuses against children and advocate on their behalf.

Wednesday, April 6, 2011

Entrevista del 23 de febrero en AM1610 Voces Latinas

Aquí se encuentra la entrevista del 23 de febrero de Antonio Guerrero con Silvia Mendez en radio AM1610 Voces Latinas.

Haz click en el logo para escuchar la entrevista grabada.





Wednesday, February 23, 2011

What happens to your retirement savings in a divorce?



As written by MARY GOODERHAM and published in the Globe and Mail 


Who gets what? When a marriage breaks, a couple’s major assets are divided as well. But when they are socked away in registered plans, splitting those assets evenly and smartly becomes about avoiding tax hits.


Registered retirement savings plans (RRSPs) and registered retirement income funds (RRIFs) as well as pensions are considered family property to be divided 50-50 in a legal separation or divorce. The Income Tax Act provides for tax-free rollovers of RRSPs and RRIFs between spouses where there is a court order or written separation agreement, which allows for the equalization of registered assets without significant tax implications.
But then things get tricky. Dividing the funds in registered plans along with other family assets can involve complex deliberations and leave one or both members of the couple scrambling to make up for retirement.
“For most people the math doesn’t work very easily,” says Eva Sachs, a certified financial planner in Toronto who is also a certified divorce financial analyst specializing in issues such as financial settlement options for divorcing couples.
More than half of the clients Ms. Sachs sees in her fee-for-service consultancy, called Women in Divorce Financial, are ending marriages of between 20 and 30 years. Already in their late 40s or early 50s, these couples must quickly gear up for retirement, while variously paying hefty costs related to the separation, learning anew to manage finances and supporting two households.
“Getting divorced really messes up the retirement plans they had been working on as a couple,” she says. “It’s a huge thing.”
Take Peter and Joan Wright, for example. The Wrights (not their real name) jointly own a house worth $500,000 and RRSP assets worth $400,000. Mrs. Wright wants to keep the house, which means she must give cash – or the equivalent in RRSPs – to her ex. (She could perhaps take out a significant line of credit or extend the mortgage on the house to pay him some of the funds.) Mr. Wright may end up with the lion’s share of the RRSPs, but he then needs to pay for housing and other costs.
One significant issue on the divorce ledger sheet is that the value of RRSPs is calculated by taking into account the deferred tax that must be paid. A notional tax rate is usually applied, based on the expected income and thus the taxation level upon retirement of the person who gets them.
“Sometimes the negotiations get a little complicated,” says Douglas Lamb, a certified financial planner at Spera Financial in Toronto.
The best way to get back on track with RRSPs, he says, is to establish a comprehensive financial plan “that reflects an individual’s new economic realities” and develop an investment plan that supports it. That means figuring out any new expenses and sources of income as well as projecting what you will need for retirement.
A spouse who is newly receiving regular alimony or child support payments, for example, must realize that this is income that is taxable, but also handily creates RRSP room, Ms. Sachs says. Making sure to set aside the funds to pay the tax or to invest in the RRSP, while covering all other expenses incurred in their new household, is critical.
Many people end up with huge costs related to the divorce itself, she explains, such as legal bills, counselling for the kids and credit card debt from emotional spending. Many people finance these expenses by cashing in RRSPs. Worse, she says, many people take a hiatus from making RRSP payments, thinking they will get back to it, but “it’s hard to start up again.”
Getting good advice, establishing a firm financial plan and making informed decisions on your retirement, she says, must start with figuring out what your new life is costing and buckling down on expenses.
“Something has to give,” Ms. Sachs says. “You need to adjust your spending to meet the new reality.”
Mr. Lamb adds that often in the case of divorce, one partner is less aware of issues such as RRSPs, especially if the other partner had the “financial administration responsibilities, wrote the cheques and did the investing.”
Those in the first category “have all of the emotional turmoil of the separation and they’re just bewildered,” he adds. In such cases, doing a long-term plan and considering where funds will come from in retirement, be it from RRSPs, tax-free savings accounts or even a real estate investment, he says, will “tell you what you’re going to do for the rest of your life.”
Spousal RRSPs

Investing in a spousal RRSP is a smart move for couples who want to split their income – and pay less combined tax – in retirement. If you break up before you get to that stage, however, the assets belong to the person whose name is on the plan, although the funds will be equally divided.
Spousal RRSPs are especially useful when couples anticipate that they’ll generate unequal amounts of taxable income when they retire, for example from pensions, retirement savings or investments. They can also be used to build up both spouses’ RRSP accounts in equal proportion, where one person doesn’t work or earns less and therefore has less RRSP contribution room than the other.
In a spousal RRSP, one spouse uses his or her own contribution room to pay into an RRSP account in the partner’s name. The person who makes the investment benefits from the tax deduction, while the partner in whose name the RRSP is registered owns the account.
Upon divorce, spousal RRSPs are actually treated the same as the rest of the family’s assets. A couple’s RRSPs and RRIFs are evenly split and can be transferred tax free, so in most instances contributing to a spousal RRSP is no different from contributing to an RRSP in your own name.

Monday, February 21, 2011

Assaulted Women's Helpline- Ontario


Are you or someone you know being abused?


The Assaulted Women's Helpline is a free, anonymous and confidential service.


The Assaulted Women's Helpline website describes themselves:


"The Assaulted Women's Helpline provides a 24-hour crisis line for women. It allows women to reach out for help, assured of their anonymity and confidentiality.
A telephone counsellor provides immediate crisis counselling, safety planning, as well as referrals to local agencies and support for the ongoing struggle to name and act against abuse. Counsellors never meet clients face to face as this is a telephone service only.
Counsellors use a supportive approach that encourages women to look at their needs, and make their own informed decisions.
You don't have to give your name
Our toll-free number won't show up on your phone bill
We do not have call display

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Our helpline seeks to improve barriers to service for immigrant and refugee women, women living with disabilities, Aboriginal women, lesbians, bi-sexual women, trans-gendered women and women of colour by referrals to culturally, linguistically, and “community appropriate” agencies. Service is provided in up to 154 languages. Deaf and hard of hearing women are served through the TTY line."

Crisis Line Information


GTA                416.863.0511
TOLL-FREE    1.866.863.0511


GTA TTY              416.364.8762
TOLL-FREE TTY  1.866.863.7868


#SAFE (#7233) on your Bell, Rogers, Fido, Telus phone