MEGA FINANCIAL NEWS. fdlh jkpoh; kj;jpapy; kl;lky;yhj gy;ypd kf;fs; kj;jpapyk; gpugy;akhd fhg;gwjp> epjpapay; fk;gdpfspd; Kftu; epwtdk;.

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1 MEGA FINANCIAL NEWS fdlhtpy; fhg;gwjp> epjpapay;> nra;jpfis njhlu;e;j ntspaplk; fhyhz;l nra;jpf; ifnal. fdlh jkpoh; kj;jpapy; kl;lky;yhj gy;ypd kf;fs; kj;jpapyk; gpugy;akhd fhg;gwjp> epjpapay; fk;gdpfspd; Kftu; epwtdk;. Mr. Raj Nadarajah President & CEO Mrs. Abiramie Shanmuganathan Business Development Manager Compliance Officer Mrs. Selvi John Secretary Mrs. Vasi Simaak Administrative Officer l Group Mega Financia Mr. Philip Antony Technical support & Insurance Broker Mr. Siva Panchalingam Editor - Mega Financial News & Insurance Broker Mega Financial Group January fhg;gwjp> epjpapay; nra;jpfs;,jo; 1

2 jiyik mjpguplkpue;j... fdlhtpy; cs;s fhg;gwjpf; fk;gdpfs;> tq;fpfs;> kw;wk; epjp epwtdq;fsf;fk; gy;ypd nkhop NgRk; kf;fsf;fk;,ilapy; xu,izg;g ghykhf,aq;fk; Mk; Mz;L Kjd; Kjypy; ek;khy; Muk;gpf;fg;gl;L> fdlh tho; jkpoh;fs; kj;jpapy; kl;lky;y gy;ypd nkhop NgRk; kf;fspilnaak; gytpjkhd fhg;gwjp xg;ge;jq;fis re;ijg;glj;jpa mdgtq;fs;> jpdk; jpdk; fw;wwpe;j gl;lwptfs;> fhyj;jf;f fhyk; fdlhtpy; khwglk; fhg;gwjp epjpapay; rl;l xoq;f tpjpfs;> ahtw;wpidak; xd;w jpul;b,g;gjpa tulj;jpypue;j %d;w khjj;jpw;f xukiw (fhyhz;l rq;rpif) tpnrlkhf kf;fsf;f gad;glk; jfty;fis xu nra;jpg; gj;jpupifahf ntspapltjpy; ehdk; vdj FOtpdUk; kl;lw;w kfpo;r;rpailfpd;nwhk;. fle;j Rkhh; 17 tulq;fshf vkj epwtdj;jpdhy; gy Mapuf;fzf;fhd 1. MAl; fhg;gwjp xg;ge;jq;fs;(life Insurance) 2. nfhba Neha;fSf;fhd fhg;gwjp xg;ge;jq;fs; (Critical Illness Insurance) 3. cly;,ayhikf;fhd fhg;gwjp xg;ge;jq;fs; (Disability & Long Term Care Plans) 4. kuj;jt fhg;gwjp xg;ge;jq;fs; (Medical Insurance) 5. gpuahzj;jpw;fhd fhg;gwjpfs; (Travel Insurance) 6. gjpt nra;ag;gl;l cau;fy;tp Nrkpg;Gj; jpl;lq;fs; (RESP Plans) Mfpad ifr;rhj;jplg;gl;ls;sd. uh[; eluh[h President & CEO Mega Finincial Group tukhd tup jpizf;fsj;jpw;f tukhdtup rku;g;gpf;fk; fhyq;fspy; nryj;jpa tup gzj;jpid kpsg;ngwk; Nehf;fpy; Fiwe;j tl;b tpjj;jpy; tq;fpf; fld;fis xoq;f nra;j nfhlj;j gjpt nra;ag;gl;l Xa;T+jpa jpl;lq;fis cuthf;fpf; nfhlj;jy; (RRSP Investment with Catch up Loan Arrangements) vd;gdtw;iw Vuhskhf epiwntw;wpas;nshk;. gy fhg;gwjp el;l <l;l Nfhupf;iffs; nra;j nfhlf;fg;gl;ljld;> VjhtJ rl;l rpf;fy;fs; Vw;gl;lhy; epwtdj;jpw;f MjuthapUf;Fk; vq;fs; rl;l epwtdk; ifajtp je;j topfhl;bas;sj. Rkhu; E}w;Wf;F Nkw;gl;l kpftk; mdgtk; tha;e;j mur iynrd;]; ngw;w Kfth;fs; vdj jiyikapy;,aq;fk; FOtpy; gzpgupfpd;wdh;. xt;nthu fhg;gwjp epwtdq;fspdhyk; mth;fsf;f thuk; NjhWk; gy;ntw tifahd ghlj;jpl;lq;fspy; khwglk; fdlhtpd; fhg;gwjp> epjpapay; Nfhl;ghLfs; gw;wp njhlu; gapw;rpfs; vkj epwtdj;jpdhy; toq;fg;gl;l tufpd;wd. rfy Kftu;fs;> Copau;fspd; FLk;gq;fis xd;wpizj;j tpuj toq;fk; tpoh (Award Ceremony & Family Orientation Party) tulk; NjhWk; kpf rpwg;ghf elhj;jg;gl;l jkpou;fs; kj;jpapy; rfy njhiyf;fhl;rpfspyk; xspgug;gk; epfo;tk; elg;gj vq;fs; fk;gdpapd; toikahfk;. tukhd tup Nritfs;> Nkhl;Nf[; fld; trjpfs; vkj epwtdj;jpdhy; nra;j nfhlf;fg;gl;l tufpd;wd. vtuf;fk; flikg;ghl vd,y;yhj Kd;$l;bNa jq;fs; tho;tpd; Kbtpy;,Wjpr;rlq;F kz;lg NjitfSf;fhd xoq;ffs; khj fl;lg;gzj;jpd; %yk; Kd;$l;bNa fhg;gwjpj; jpl;lk; Nghy xoq;f nra;j nfhlf;fk; xg;ge;jq;fisak; vkj fk;gdp ifr;rhj;jpl;l tufpd;wj. vkj epwtdk;> epwtdj;jpd; Kftu;fs;> Copau;fs; ahtuk; kf;fspd; fhg;gwjp> epjpapay; Njitfis Nfl;L> Gupe;J mtu;fsld; fye;jiuahb njspthd tpsf;fq;fsld;> Gupaitj;J rupahd Neuj;jpy; rupahd jpl;lq;fis rpghupr nra;j Nrit czh;tld; cjtpfis nra;a Ntz;Lk; vd;dk; kdk; epiwe;j vz;zq;fsld; kpftk; Mu;tj;Jld; nraw;glgth;fs; Mthu;fs;. jq;fspd; fhg;gwjp epjpapay; Njitfs; vjthapue;jhyk; epq;fs; vq;fis ve;neuj;jpyk; miof;fyhk;. kw;wk; cq;fs; fhg;gwjp NjitfSf;F ];fhgnuhtpy; cs;s vq;fs; mytyfj;jpw;f Neubahf thuq;fs;. cq;fis tuntw;w cq;fsf;ff; if nfhlf;f vkj FO vd;wk; jahuhfts;sj. ve;j nkhopapy; njhlu;gfs; Njitnad;whYk; me;je;j nkhopia jha; nkhopahff; nfhz;l Kftu;fs; vq;fs; epwtdj;jpy; gzp Gupe;J nfhz;buf;fpd;whh;fs;. fhg;gwjp rk;ge;jkhd midj;jj; NjitfSf;Fk; epq;fs; vq;fis mioaq;fs;. vkj thbf;ifahsu;fis Neu;ikahd Kiwapy; epahakhd ghijapy; top fhl;ltnj vq;fs; fk;gdpapd; cau;e;j,yl;rpakhfk;. vd;wk; md;gld; uh[; eluh[h President & CEO Mega Financial Group 02

3 MAl;fhg;GWjp capupog;g el;l<l Nfhuypy; xu tpj;jpahrkhd mdgtk; me;j kdpjupd; kuzr; nra;jp!,tiuj; njhpe;jth;fs; ahtuf;fk; xu mjph;r;rpahd nra;jp vd;gjpy; vt;tpj re;njfnkapy;iy. vg;nghjk; elf;fyhk; vd vjpu; ghu;j;jpuf;fk; jkj capupog;gpd; gpd;g jkj FLk;gk; eph;f;fjpahfp tplf;$lhj vd;dk; Nehf;fpy; Rkhh; 15 tulq;fsf;f Kd;G> Nk 7> 1999,y; MAs; fhg;gwjp xg;ge;jk; xd;wpy; ifr;rhj;jpltjw;fhf fdlhtpy; fhg;gwjp epwtdq;fspd; Kftu; vd;w upjpapy; mtiu re;jpj;jnj vdj Kjy; re;jpg;g.,d;w mtupd; tho;t Kbe;J tpl;lj. Mdhy; mtupy; jq;fp thok; mtupd; FLk;gj;jtupd; tho;f;if njhlh;e;j tz;znkas;sj. Rkhh; 15 tulq;fsf;f Kd;G mtu; MAl;fhg;GWjp nra;j nfhz;l epwtdk; 'Nehh;tpr; A+dpad; iyt;,d;#ud;]; fk;gdp;" (Norwich Union Life Insurance Company) vd;w ngaupy; cs;s xu fhg;gwjpf; fk;gdpahfk;. rpy tulq;fspd; gpd;g me;jg; ngaupys;s,e;j fk;gdpapidf; fhztpy;iy. Mdhy; mtupd; MAl;fhg;GWjp xg;ge;jk; njhlu;e;j tz;znk,ue;jj. khjhe;jf; fl;lg;gzkk; mtupdj tq;fpf; fzf;fpypue;j Ngha;f; nfhz;nlapue;jj. 'V.I.[p. iyt;,d;#ud;]; fk;gdp xt; fdlh" (A.I.G Life Insurance Company of Canada-American Insurance Group) vd;dk; fhg;gwjp epwtdj;jpw;f khjhe;jf; fl;lg;gzk; Ngha;f;nfhz;bUe;jJ. mnj ngaupy; mnj fhg;gwjp,yf;fk;! mnj fhg;gwjpj; njhif! mnj fhg;gwjpr; rl;l xoq;f tpjpkiwfs;! mnj tpjpfspd; gb cs;s khw;wkpy;yhj khjhe;jf; fhg;gwjpf; fl;lzk;! mnj epwtdk;,ue;j,lj;jpnyna cs;s tpyhrj;jpy; mnj njhiyngrp,yf;fj;jld; khwhky;,ue;jj. Mdhy; epwtdj;jpd; ngah; kl;lk; khwpas;sj vd;w jfty;,tuj FLk;gj;jpw;F xu fbjj;jpy; te;jpue;jj mtu;fsf;f Qhgfk;! Mdhy; vd;d Mr;rhpak;! mtuj capupog;gpd; gpd;g,d;w MAl; fhg;gwjpapy;,ue;j el;l<l NfhUtjw;fhf me;j epwtdj;jpid Njb mioj;j NghJ me;jg; Gjpa fk;gdpak; fdlhtpy; fhzhky; Ngha;tpl;lJ. fle;j rpy khjq;fshf khjhe;j fl;lg;gzk; %d;whtj Gjpa,d;DnkhU epwtdj;jpw;f Ngha;f; nfhz;bue;jj. 'ghq; xt; nkhd;wpay; iyt;,d#ud;]; fk;gdp" (BMO Life Insurance Company) vd;gnj jw;nghj fhzhky; Nghd,lj;jpw;F te;j Gjpa epwtdk; MFk;.,d;W kuzpj;j tpl;l me;j kdpjupd; MAs; fhg;gwjp,yf;fkk; khwtpy;iy. MAs; fhg;gwjp xg;ge;jj;jpy; gj;j tulq;fsf;f Kd;G ifr;rhj;jplg;gl;l njhiffs;> mj;njhiff;f khjhe;jk; nryj;jk; fl;lzk;> mf;fhg;gwjp xg;ge;jj;jpd; rl;l xoq;f Kiwfs; vjtk; khwtpy;iy. epwtdj;jpd; Kftup njhiyngrp,yf;fk; vjtk; khwtpy;iy. Mdhy; %d;whtj Gjpa fk;gdp ngah; kl;lk; khwpas;sj. mth;fsf;f fbjj;jpy; epwtdk; khwpaj kl;lk; xu nra;jpahf kpz;lk; xu Kiw te;jpue;jj. ghh;j;jhy; fdlhtpy; jkpoh;fspd; gyruf;ff; filfs;> tu;j;jf epwtdq;fspd; ngau; khwpapue;j Gjpa chpikahsh;fs; eph;thfk; elj;jtj Nghy fz;zf;fj; njhpak;. Mdhy; MAl;fhg;GWjp nra;j nfhz;l thbf;ifahsh;fsf;f Vkhw;wNk,y;iy. capupoe;jthpd; nra;jpapidg; ngw;w> fhg;gwjp NfhUk; tpz;zg;gq;fis ghprpyid nra;j mtupd; FLk;gj;jpw;F NruNtz;ba MAl; fhg;gwjpg; gzj;jpid NfhUk; tpz;zg;gg;gbtq;fis %d;whtjhf ifkhwpa epwtdk; guprpyid nra;j vjtpjkhd jlq;fyk;,y;yhj fhg;gwjpj; njhifapd; fhnrhiyapid kuzkhdtupd; FLk;gj;jpw;F xu thuj;jpds; toq;fpaj. MAl; fhg;gwjp nra;jtupd; kuzk; ele;j> fhg;gwjp NfhUk; eltbf;ifapid Kd;ndLf;Fk; NghJ toikahd xoq;f Kiwg;gb kuz mj;jhl;rpg;gj;jpuk; (Death Certificate), el;l<l;l tpz;zg;gg; gbtk; (Claiment's Statement), itj;jpaupd; mj;jhl;rpg; gj;jpuk; (Physician's Statement) Nghd;wtw;wpid xoq;f Kiwapy; rkh;g;gpf;f MAl; fhg;gwjp xg;ge;jj;jpy; Fwpg;gpl;bUe;j kpfg;nghpa njhifapid %d;whtjhff; ifkhwpa me;j fk;gdp; jq;fs; fk;gdpapd; ngaupy; cuthf;fg;gl;l fhnrhiyahf kuzkhdtupd; FLk;gj;jpw;F toq;fpna jpuntz;lk; vd;gj fdba murpd; rl;l newpapy; cuthf;fg;gl;l topelj;jyhfk;. xg;ge;jq;fs; xoq;fhf ve;j re;ju;g;gq;fspyk; uj;j nra;ag;glhky;,ue;j. kuzj;jpd; gpd;g rku;g;gpf;f Ntz;ba gj;jpuq;fisak; xoq;fhf rku;g;gpf;fk; NghJ el;l <l;lj; njhif vt;tpj fhy jhkjkk;,y;yhj tpl Njb tuk; vd;gj vq;fspd; Kftu; njhopy; mdgtq;fspy; fz;l cz;ikfs; MFk;! xu capiug; gwpnfhlj;j FLk;gj;jth;fSf;F xu rpw MWjyhff; if nfhlf;fk; fhg;gwjpahf,uf;fk;,f;fhnrhiyapid fhg;gwjp epwtdq;fspd; rhh;gpy; Neubahff; ifaspf;fk; NghJ vq;fs; Kftu; njhopypy; fpilf;fk; Mj;k jpug;jp cs;snj! mj xu vy;iyaw;w jpug;jp! me;j Neuk; mj xu tu;j;jfk; my;y Nritapd; jpug;jpahfnt njd;glk;.,e;j mdgtupjpahd rk;gtj;jpidj; njhlh;e;j,q;f Fwpg;gpl;l jiyg;gf;f tunthk;. MAs; fhg;gwjp epwtdk; xd;w fdlhtpy; fhzhj Nghdhy; fhg;gwjp nra;jth; el;l<l NfhUtJ vq;nf? 03

4 ,q;f fdlhtpy; cs;s rfy fhg;gwjp epwtdq;fs;> tq;fpfs;> epjpepwtdq;fs; ahtw;wpidak; fdba kj;jpa> khfhz murfspd; epjp mikr;r xt;nthu epkplkk; gpd; njhlh;e;j fz;fhzpj;jf; nfhz;nl cs;sj. ve;jnthu fhg;gwjp epwtdkk;> tq;fp> Nghd;w epjp epwtdkk; mur fz;fhzpg;gpy;,ue;j jg;gnt KbahJ. xu epwtdj;jpd; epjp epiyikfs;> tukhdq;fs;> nrytfis $h;e;j ghh;j;jf; nfhz;buf;fk; kj;jpa khfhz murfspd; epjp mikr;r> me;j epwtdk; rupe;j nfhz;l Nghfpd;wnjd;why; thbf;ifahsh;fs; ghjpg;gilahky;,ug;gjw;fhf,d;ndhu epwtdj;jpw;f xg;ge;jq;fis khw;wp mikj;j rhpahd xoq;ffis nra;j nfhlg;gj vd;gj mtu;fspd; kug upjpahd rl;l eltbf;ifahfk;. gy re;jh;g;gq;fspy; xu fhg;gwjp epwtdj;jpd; xg;ge;jq;fis,d;dnkhu epwtdk; thq;fpf; nfhs;sk; epiyikf;f my;yj mtw;wpid Vida epwtdq;fsf;f tpw;gid nra;j nfhs;s Ntz;Lk; vd;w epiyikf;f murpdhy; fhg;gwjp epwtdq;fs; js;sg;gltj toikahfk;. rpy Neuq;fspy; mur epjp mikr;rf;fspd; fz;fhzpg;gf;fisak; kpwp MAs; fhg;gwjp epwtdk; xd;w rupe;j nrd;w tq;fnuhj;j (Bankruptcy) epiyikf;f cs;shf;fg;gl;lhy; thbf;ifahsh; xt;nthutuk; ghjpg;gilahky;,ug;gjw;f ghjfhg;gpidak; cj;juthjj;jpidak; mur el;l<l toq;fk; epwtdnkhd;w toq;ffpd;wj. mjhtj fhg;gwjp epwtdk; epahakw;w Kiwapy; Vkhw;wpdhy; mjw;f,t; mur epwtdq;fs; nghwg;ngw;fk;.,e;epwtdkk; mj njhlh;ghd tpguq;fsk; gpd;tukhw! Kd;dh;. 'Compensation Corporation" vd;dk; ngaupy;,ue;j December 1, 2005 Kjy; ASSURIS vd;w ngah; khw;wk; nra;ag;gl;lj. nuhud;nuhtpy;,aq;fk;,e;j epwtdj;jpd; Kftup ASSURIS 250 Yonge Street Suite #3110 P.O. Box 23 Toronto, ON M5B 2L7,izaj;jsk;: kpd;dq;ry;: njhiyngrp: fdlhtpy; rfy MAl; fhg;gwjp epwtdq;fsk;,e;epwtdj;jpy; jq;fspd; tq;fnuhj;j epiyik vd;w xu epyik Vw;glyhk; vd;w Mgj;Jf;fSf;Fg; ghjfhg;ghf xu fhg;gwjp nra;j me;epwtdj;jpy; mq;fj;jtuhf,uf;f Ntz;Lk; vd;gj fhg;gwjp epwtdq;fis fz;fhzpf;fk; murpd; epge;jidahfk;. thbf;ifahsh; xuth; MAl; fhg;gwjp epwtdj;jpd; tq;fnuhj;j epiyikahy; ghjpf;fg;gl;lhy; xt;nthu xg;ge;jj;jpw;fk; $200,000 tiu cj;juthjk; toq;ffpd;wj. $200,000 Nkw;gl;l MAs; fhg;gwjpj; njhiffsf;f me;j nkhj;j njhifapypue;j 85.5% tpjk; tiu,e; epwtdj;jpdhy; cj;juthjk; toq;fg;glfpd;wj. MAs; fhg;gwjpj; njhifald; Nrh;e;j KjyPl;Lj; njhiffsf;f $20,000 tiu cj;juthjk; toq;ffpd;wj.,jw;f Nkw;gl;l nghue;njhiff;f 85.5% tiuahd cj;juthjk; toq;fg;glfpd;wj. cly;,aq;f Kbahj epiyikapy; khj tukhd,og;gpl ngw xg;ge;jk; nra;j itj;jpuf;fk; fhg;gwjp xg;ge;jj;jpy; (Disability Income Insurance) khjk; $2000 tiu cj;juthjk; toq;fg;glfpd;wj.,jw;f Nkw;gl;l ngue;njhiff;f khj tukhd xg;ge;jkhf,ue;jhy; Fwpg;gpl;l njhifapy; 85% tpjj;jpw;f cj;juthjk; toq;fg;glfpd;wj. Mdhy; fdlhtpy; MAl; fhg;gwjp rk;ge;jg;gl;l tuyhwfspy;,jtiu vtuk; "ASSURIS" my;yj "COMPENSATION CORPORATION" vd;dk; epwtdj;jpw;f ghjpg;gf;f cs;shfp mzf Ntz;ba epiyik Vw;gl;ljhf nra;jpfs;,y;iy.,j jtpu MAl; fhg;gwjp epwtdq;fspy; xg;ge;jk; itj;jpug;gth;fsf;f epwtdj;jpd; kpj VjhtJ Kiwg;ghLfs; my;yj gpur;ridfs;,ue;jhy; gpd;tuk; Kftupapy; cs;s mur epwtdj;jpw;f jq;fs; Kiwg;ghl;bid vlj;jr; nry;yk; NghJ> mjid tprhupj;j epahakhd jph;tpid,ytrkhd Kiwapy; toq;fp if nfhlf;f,e;j mur epaha kd;wk; vg;nghjk; jahh; epiyapy;,aq;fp tufpd;wj. mjd; tpguk; gpd;tukhw. Canadian Life & Health Insurance Association 01 Queen Street East Suite # 1700 Toronto, Ontario M5C 2X9 njhiyngrp: ,izaj;jsk;: cq;fs; tpl;by; xutupd; kuzk; ele;jhy;> kuzkhfpath; vq;f MAl; fhg;gwjp xg;ge;jk; nra;j itj;jpue;jhh; vd;gj njupatpy;iyahdhy;> mjidj; Njb mwpe;j nfhs;tjw;fk;> kuzkhfpatupd; FLk;gj;jth;fSf;F Nkw;$wpa,e;epWtdk;,ytrkhf cjtp nra;ak;. vdnt MAl; fhg;gwjp epwtdk; xd;w fdlhtpy; fhzhj Nghdhy; my;yj tq;fnuhj;j epiyikf;f cs;shf;fg;gl;lhy; fhg;gwjp nra;jth; el;l<l NfhUtJ vq;nf? vd;w mr;rk; vjtk; fdlhtpy; fhg;gwjp nra;jth;fsf;f vd;wnk Njhd;wj; Njitapy;iy. xg;ge;jj;jpy; Fwpg;gpl;Ls;s xoq;f tpjpkiwfis rupahfg; Gupe;J nfhz;l khj my;yj tul fl;lg;gzj;jpid njhlh;e;j nryj;jp mt; xg;ge;jk; uj;jhfk; epiyikf;f cs;shfhky; ghh;j;jf; nfhz;lhy; fhg;gwjp vd;wk; if nfhlf;fk;! mj cwjpahd ek;gpf;if! rupahff; if nfhlf;fpd;wjh? vd;gij mur jkj cj;juthjj;jld; vd;wk; fz;fhzpj;jf; nfhz;nlas;sj. mq;f VjhtJ mj;jkpwy;fs; ele;jhy; rupahd epahak; toq;f epjpkd;wq;fsk; jahu; epiyapy; cs;sj. rpt.gq;rypq;fk; B.Com Editor - Mega Financial News & Insurance Broker Phone :

5 "MAl; fhg;gwjpapd; je;ij" jpu.,yp#u; wapw; mtu;fspd; gpd;tuk; jj;jtq;fs; mjnt "Mega Financial Group",d; Nfhl;ghL thbf;ifahsu; xutupd; gpur;ridfs;> Njitfs;> epjp epiyikfs; ahtw;wpidak; Mokhfg; Gupe;J nfhs;sq;fs;. rupahd rpghu;rpid> rupahd Neuj;jpy; Neh;ikahd Kiwapy; njuptpj;j topfhl;lq;fs;. nra;ak; 'fhg;gwjp Kftu;" njhopypy; Mw;wy;fs;> Gyikfs;> kpf;f jpwikrhypahf,uq;fs;! ehsf;f ehs; jpwikfis tsu;j;jf; nfhs;sq;fs;. fhg;gwjp Kftupd; Gyik> njhopy; Jiw rhu;e;j jpwikfs; ahtk; ek;gp tuk; thbf;ifahsiu epahakhd Neu;topg; ghijapy; topfhl;lk; xu Nfhyhf,Uf;f Ntz;LNk jtpu> ve;jf; fzj;jpyk; mtu;fisg; ghjpg;gf;f cs;shf;fhky; ghu;j;jf; nfhs;s Ntz;baJ Kftu;fSf;F cs;s flikg;ghl MFk;. (Mr. Elizur Wright vd;gtu; mnkupf;fhtpy; "Connecticut" khepyj;jpy; 1804k; Mz;L ngg;utup khjk; 12k; jpfjp gpwe;j> 1885k; Mz;L etk;gu; khjk; 22k; jpfjp mkuuhdtu;.,tu; xu jiy rpwe;j fzpj Nkij! Kd;dhy; mnkupf;f Idhjpgjp jpu. Mgpufhk; ypq;fdpd; FONthL Nru;e;J fug;gpd kf;fspd; mbikj;jdj;jpid epue;jukhf mfw;w Njhs; nfhlj;jth;fspy; xutu;. MAl;; fhg;gwjp njhlu;ghd fzpj Nfhl;ghLfisAk;> xoq;f tpjpfisak; Kjd; Kjypy; cuthf;fpatu; vd;gjhy; 'MAl;fhg;GWjpapd; je;ij" (Father of Life Insurance) vd,d;w cyfnkq;fk; kjpf;fg;glgtu; Mthu;. MAl; fhg;gwjpapd; Nehf;fq;fs;. > FLk;j;jpw;F xu ghjfhg;g Protection to the Family re;jjpf;f xu KjyPL Investment to Next Generation > FLk;gj;jpd; nghwg;gf;fs;> Rikfs; jpu Kd;G capu;,og;g ele;jhy; MAl; fhg;gwjpg; gzk; FLk;gq;fis ghjfhf;fpd;wj. FLk;gj;jpd; nghwg;gf;fs; Rikfs; ahtk; jpu;e;j gpd;g capu;,og;g ele;jhy; MAl; fhg;gwjpg; gzk; mtu;fspd; re;jjpf;f xu KjyPlhf mikfpd;wj. cjhuzkhf,u gps;isfs; cs;s ngw;nwhu;,uz;l kpy;ypad; nlhyuf;f MAl; fhg;gwjp nra;jpue;jhy;,u gps;isfsf;fk; rkgq;f capupog;g el;l<l ngw cupj;jilatu;fs; vd xg;ge;jj;jpy; ifr;rhj;jplg;gl;buf;fk; NghJ ngw;nwhu;fsj,og;gpd; gpd;g MAl; fhg;gwjp gzk; mt;tpu gps;isfsf;fk; rkgq;fhf xt;nthu kpy;ypad; nlhyuhf gpupj;j fhg;gwjpf; fk;gdp toq;fk;. vdnt MAl; fhg;gwjp xg;ge;jk; vd;gj ghjfhg;g khj;jpuky;y jq;fspd; re;jjpf;f cuthf;fk; xu rpwe;j KjyPl;Lj; jpl;lk; MFk;. ehk; E}W Mz;Lfs; tho;e;jhyk; MAl; fhg;gwjpf;f nryj;jk; fl;lzq;fs;,u kpy;ypadhf ve;j re;ju;g;gj;jpyk;,uf;f khl;lhj. mikjpahf,ue;j fzf;fg; ghuq;fs;. rpe;jpaq;fs;! tup,y;yhj Nrkpg;G KjyPl;Lj; jpl;lk;. (TFSA - TAX FREE SAVING ACCOUNT) 2008 Mk; Mz;L fdba kj;jpa tut nrytj; jpl;lj;jpy; mwpkfg;glj;jg;gl;l xu jpl;lk; MFk;. mjhtj FWfpa fhyj;jpds; gzj;jpid Nrkpj;J gpd;du; mjid tpuk;gpa ve;j Neuj;jpYk; ntspna vlf;f tpuk;ggtu;fsf;f xu muikahd jpl;lk; MFk;. 18 tajf;f Nkw;gl;l xt;nthutuk; tulk; xd;wpw;f nkhj;jkhf $ 5,500 nlhyu; tiu,g;gjpt nra;ag;gl;l Nrkpg;Gj; jpl;lj;jpy; Nrkpf;fyhk;. tulh tulk; tl;bf;f tl;b vd;w khjpup gq;fyhgj;jld;,r; Nrkpg;G KjyPl;Lj; jpl;lk; tsu;r;rp milak; NghJ me;j tsu;r;rpf;f ve;j tpjkhd tupak; nryj;jj; Njitapy;iy. tpuk;gpa Neuj;jpy; Nrkpg;Gf; fzf;fpypue;j cq;fsila gzj;jpid kpsg;ngwyhk;. kpsg; ngwk; gzj;jpw;f vjtpjkhd tupak; nryj;jj; Njitapy;iy. 05

6 khwglk; gq;fyhg tpjq;fspy; fhyj;jpw;ff; fhyk; jq;fs; gzj;jpd; KjyPl;L tsh;r;rp vd;gj vg;gbapuf;fk;?,q;f KjyPl;L Nrkpg;G tsu;r;rp vd;gj tl;bf;f tl;b tpjj;jpy; (Combound Interest Rate) vg;gb tsh;fpd;wj vd;gjid $u;e;j ghuq;fs;. 1) $10,000 nlhyu; gzj;jpid xnuabahf KjyPl;Lj; jpl;lk; xd;wpy; itg;g nra;jhy; khwglk; gq;fyhg tpjq;fspy; Fwpg;gpl;l rpy tulq;fspd; gpd;g vg;gb tsh;r;rp mile;jpuf;fk; vd;gjid,e;j ml;ltiz fhl;lfpd;wj. $10,000 LUMP SUM % 12,763 16,289 20,789 26,533 33,864 43,219 55,160 70,400 6% 13,382 17,908 23,966 32,071 42,919 57,435 76, ,857 7% 14,026 19,672 27,590 38,697 54,274 76, , ,745 8% 14,693 21,589 31,722 46,610 68, , , ,245 9% 15,386 23,674 36,425 56,044 86, , , ,094 10% 16,105 25,937 41,772 67, , , , ,593 11% 16,851 28,394 47,846 80, , , ,009 12% 17,623 31,058 54,736 96, , , , ,510 13% 18,424 33,916 62, , , , ,685 1,327,816 14% 19,254 37,072 71, , , , ,002 1,888,835 15% 20,114 40,456 81, , , ,118 1,331,755 2,678,635 2) $100 nlhyupid kl;lk; khjk; khjk; KjyPL nra;jhy; khwglk; gq;fyhg tpjq;fspy; Fwpg;gpl;l rpy fhyq;fspd;; gpd;g jq;fspd; Nrkpg;G vg;gb tsh;r;rp mile;jpuf;fk; vd;gjid,e;j ml;ltiz fhl;lfpd;wj. $100 PER MONTH INVESTMENT % 6,801 15,528 26,729 41,103 59,551 83, , ,602 6% 6,977 16,388 29,882 46,204 69, , , ,149 7% 7,159 17,308 31,696 52,093 81, , , ,481 8% 7,348 18,295 34,604 58,902 95, , , ,101 9% 7,542 19,351 37,841 66, , , , ,132 10% 7,744 20,484 41,447 75, , , , ,408 11% 7,952 21,700 45,469 86, , , , ,013 12% 8,167 23,004 49,958 98, , , ,096 1,176,477 13% 8,389 24,404 54, , , , ,184 1,617,907 14% 8,620 25,907 60, , , ,297 1,110,295 2,235,433 15% 8,857 27,522 66, , , ,328 1,467,718 3,101,606 3) $100,000 nlhyupid Fwpg;gpl;l xu fhyj;jpy; Nrkpg;ghf cuthf;fp tsu;j;j ngw;wf; nfhs;s Ntz;Lk; vdj;jpu;khdpj;jhy; khwglk; gq;fyhg tpjj;jpy; vt;tst njhifapid Muk;gj;jpy; KjyPL nra;a Ntz;Lk; vd;gjid,e;j ml;ltiz jq;fsf;f kpftk; tpgukhff; fhl;lfpd;wj. LUMP SUM REQUIRED TO REACH $100, % 78,353 61,391 48,102 37,689 29,530 23,138 18,129 14,205 6% 74,726 55,839 41,727 31,180 23,300 17,411 13,011 9,722 7% 71,299 50,835 36,245 25,842 18,425 13,137 9,367 6,687 8% 68,058 46,319 31,524 21,455 14,602 9,938 6,763 4,603 9% 64,993 42,241 27,454 17,843 11,597 7,537 4,899 3,184 10% 62,092 38,554 23,940 14,864 9,230 5,731 3,558 2,209 11% 59,345 35,554 20,900 12,403 7,361 4,368 2,592 1,538 12% 56,743 32,197 18,270 10,367 5,882 3,340 1,894 1,075 13% 54,276 29,460 15,989 8,678 4,710 2,557 1, % 51,937 26,974 14,010 7,276 3,780 1,963 1, % 49,718 24,718 12,289 6,110 3,040 1, ) Fwpg;gpl;l rpy tulq;fspy; $100,000 nlhyupid Nrkpf;f ntz;lk; vdj; jpu;khdpj;jhy; khwglk; gq;fyhg tpjj;jpy; vt;tst njhifapid jq;fspd; KjyPl;Lf; fzf;fpy; xt;nthu tulkk; KjyPL nra;a Ntz;Lk; vd;gjid,e;j ml;ltiz jq;fsf;f kpftk; tpgukhff; fhl;lfpd;wj. ANNUAL INVESTMENT REQUIRED TO REACH $100, % 17,236 7,572 4,414 2,880 1,966 1,433 1, % 16,736 7,157 4,053 2,565 1,720 1, % 16,254 6,764 3,719 2,280 1, % 15,783 6,392 3,410 2,024 1, % 15,332 10% 14,890 6,039 5,704 3,124 2,861 1,793 1,587 1, % 14,467 5,388 2,618 1, % 14,055 5,088 2,395 1, % 13,658 4,805 2,190 1, % 13,270 4,536 2, % 12,898 4,283 1,

7 gjpt nra;ag;gl;l KjyPl;Lj; jpl;lk;. nra;ak; njhopypue;j Xa;T ngw;w gpd;g cgnahfpg;gjw;fhf gjpt nra;ag;gl;l epiyapy; 71 taj tiu Nkw;nfhs;Sk; Nrkpg;Gj; jpl;lk;. cjhuzk; RRSP,jid Nrkpg;gpy;,Lk; NghNj tulk; tulk; nryj;j Ntz;ba tupg;gzj;jpid Fiwj;Jf; nfhs;syhk;. tulh tulk; tl;bf;f tl;b vd;w khjpup gq;fyhgj;jld; KjyPl;L Nrkpg;G tsh;r;rp milak; NghJ me;j tsh;r;rpf;f tup nryj;jj; Njitapy;iy. Nrkpg;gpypUe;J gzj;jpid kpsg; ngwk; NghJ mj tukhdkhff; fujg;gl;l mjw;f tup nryj;j Ntz;Lk;. Kjy; Kiw jkf;f FbapUg;G kid thq;fgtu;fs;,e;j Nrkpg;Gj; jpl;lj;jpypue;j tpl thq;fk; NjitfSf;F kl;lk; $ 25,000 nlhyu; tiu gzj;jpid kpsg; ngwyhk;. Mdhy; ngwg;gl;l gzk; KOtJk; 15 tulq;fsf;f,ilapy; jpuk;g mnj jpl;lj;jpy;,lg;gl Ntz;Lk;.,y;iyNay; mjw;f tup mwtplg;glk;. gjpt nra;ag;glhj KjyPl;Lj; jpl;lk;. Nrkpg;G Muk;gpf;fpd;wPu;fs; vd;gjw;fhf vj tpjkhd tupr; ryifak; tukhdtupj; jpizf;fsj;jplk;,ue;j fpilf;f khl;lhj. cjhuzk;: (Non Registered Mutual Funds) tulh tulk; tl;bf;f tl;b vd;w khjpup gq;fyhgj;jld; Nrkpg;G KjyPl;Lj; jpl;lk; tsu;r;rp milak; NghJ mjd; tsu;r;rp xu tukhdkhff; fujp mjw;f tup nryj;jg;gl Ntz;Lk;. cjhuzkhf $10,000 nlhyupy;,ue;j nrkpg;ghdj $12,000 nlhyuhf tsh;e;jhy; tsu;r;rpaile;j $2000 nlhyu; jq;fspd; tukhdkhff; fujp mjw;f tup nryj;jg;gl Ntz;Lk;. gzj;jpid ntspna vlf;fk; NghJ ve;j tpjkhd tupak; nryj;jj; Njitapy;iy. nryj;jpa tukhd tupapid kpsg; ngw fld; trjpfsld; KjyPl;Lj; jpl;lq;fs; (A Catch-up RRSP Loan & Investment) tukhd tupg;gj;jpuq;fs; jahupj;j rku;g;gpf;fk; fhyk; Muk;gpf;fpd;wJ Mk; Mz;by; jq;fspd; tukhdk; mjpfk; vd;why; fdba murpw;f tup mjpfkhf nryj;jk; epiyik epr;rakhf Vw;gLk;.,jpy; xu gfjpapidnadk; kpsg;ngw Ntz;LNkahdhy; mjid vt;thw kpsg; ngwtj? mjw;fk; xu rpy topfs; jpwe;js;sd. 'Mega Financial Group jq;fis me;j kpsg;ngwk; topapidf; fhl;b mioj;jr; nry;y jahu; epiyapy; cs;sdu;. fle;j tulq;fspy; jq;fspd; tukhdq;fis mbg;gilahf itj;j,t;tst Fwpg;gpl;l xu njhif tiu ($25,000 nlhyu; vdf; fujnthk;) gjpt nra;ag;gl;l Xa;T+jpaj; jpl;lj;jpy; KjyPL nra;ayhk; vdf; fdba tukhd tup epwtdk; mdkjp je;js;sj vd fuj;jpy; nfhs;nthk; (RRSP Contribution Room).,e;j $25,000 nlhyupid KjyPL nra;a ifapy; jq;fsplk; gzk;,y;iy> Vw;fdNt tukhd tupak;40% (Tax Bracket) vd;w mbg;gilapy; mwtplg;gl;ls;sj vdtk; cjhuzkhf fuj;jpy; itj;jf; nfhs;nthk;. vq;fs; mytyfj;jpy; (Mega Financial Group) kpftk; Fiwe;j tl;bapy; fdlhtpy; epjp epwtdq;fsplk; fld; ngw;wj; je;j mnj flid KjyPL nra;tjw;fupa xoq;ffis nra;j ju gyjug;gl;l toptiffsld; fhj;jpuf;fpd;whh;fs;.,q;f $25,000 nlhyu; fldhf vlj;j gzj;jpid jhq;fs; vd;wk; mjid nrytopf;f mdkjpf;fg; Nghtjpy;iy mjidg; gjpt nra;ag;gl;l Xa;T+jpaj;jpl;lj;jpy; 2015 ngg;utup khjk; filrpj; jpfjpf;f Kd;G KjyPL nra;jhy; Rkhh; $10,000 nlhyu; nryj;jpa tupapid kpsg; ngwyhk;. kpsg;ngw;w tupg;gzk; $10,000 nlhyupy; epq;fs; ngw;w flid $15,000 nlhyuhff; Fiwj;J tplyhk;. kpfjp $15,000 nlhyu; flidak; Fiwe;j tl;b tpjj;jpy; gfjp gfjpahf nryj;jp Kbf;fyhk;. tpuk;gpdhy; xnu jukhftk; Jupj fjpapy; nryj;jp Kbf;fyhk;. KjyPl;by; itg;gr; nra;j $25,000 nlhyu; tl;bf;f tl;b vd;w Ntfj;jpy; tsh;e;j tuk;.,q;f KjyPl;Lf;fhf vlj;j fld; tl;bapid tpl Nrkpg;ghf Nkw;nfhz;l KjyPl;bd; tsh;r;rp vd;gj mjpfkhf,uf;fyhk;,e;j tsh;r;rpf;f vjtpj tupak; nryj;jj; Njitapy;iy. tukhdkpy;yhj fhyj;jpy; cgnahfpf;f my;yj Xa;T ngw;w gpd;g,e;j Nrkpg;G KjyPl;Lg; gzk; jq;fsf;ff; jtwhj ifnfhlf;fk;.,j Mega Financial Group,d;,d;ndhU topfhl;ly; MFk;. 07

8 fhg;gwjp fk;gdpfspd; KjyPl;Lj;jpl;lq;fs; vjph; tq;fp Nghd;w epwtdq;fspd; KjyPl;Lj;jpl;lq;fs;. Segregated Funds Vs Mutual Funds tukhd tupapypue;j rpw gfjp gzj;jpid kpsg; ngw Ntz;Lkhdhy; mtrukhf tukhdtupj; jpizf;fsk; mdkjpj;j me;j rpw njhif gzj;jpid gjpt nra;gg;gl;ls;s Xa;t+jpaj;jpl;ljpy; (RRSP) Fwpg;gpl;l fhyj;jpw;f Kd;G KjyPL nra;ag;gl Ntz;Lk;.,q;F tq;fp Nghd;w epjp epwtdq;fspy; KjyPL nra;tj ey;yjh? my;yj mdgtks;s fhg;gwjp Kftupd; cjtpald; fhg;gwjp epwtdq;fspy; KjyPL nra;tj ey;yjh?,jnt,q;nf vok; tpthjj;jpw;fupa Nfs;tpahFk;.,uz;Lk; xd;w jhd; fhg;gwjp epwtdq;fspd; KjyPLfis khfhz fhg;gwjpr; rl;lq;fs; (Provincial Life Insurance Act) newpg;glj;jfpd;wd. tq;fpfs; epjp epwtdq;fspd; KjyPLfis khfhz KjyPl;L rl;lq;fs; (Securities Legislation) newpg;glj;jfpd;wd. Mdhy; fhg;gwjp epwtdq;fspd; KjyPl;by; rpy gpuj;jpnafkhd md$yq;fis,;q;f ghh;f;fyhk; mitahtd gpd;tukhw rpy Jh; mjph;];lkhd re;jh;g;gq;fspy; KjyPl;L tsh;r;rp vd;gj ehl;bd; nghushjhu ghjpg;gf;fspdhy; kpftk; gaq;fukhd tpo;r;rp milayhk;. mg;gbahd epiyik Vw;gl;lhy; Muk;g KjyPl;L gzj;jpd; ngwkjp Fiwa Nrkpg;gpypUf;Fk; itg;gg; gzk; Fiwe;J nfhz;l NghFk; epiyik Vw;glkhl;lhJ vd cwjpahff; $wkbahj. Mdhy; fhg;gwjp epwtdq;fspy; KjyPL nra;ak; nghoj Fwpg;gpl;l xu fhyj;jpw;f njhlh;e;j gzj;jpid fzf;fpy; itj;jpue;jhy; 75% Kjy; 100% tiu vd Muk;g itg;gg; gzj;jpw;f (Principle Amount) Mgj;J vjtk; Vw;glhky; ntspna vlj;jf; nfhs;syhk;. (Financial Protection) 2. fdlhtpd; rl;lq;fs;> epjpkd;w cj;jutfs; VjhtJ jq;fsf;f vjpuhf gzf;nfhlg;gdtj; jz;lidfshf te;jhy; jq;fs; tq;fpfspy; cs;s gzj;jpid ve;j re;jh;g;gj;jpyk; rl;lupjpahf Klf;fyhk;. Mdhy; fhg;gwjp epwtdq;fspy; cs;s jq;fspd; gzj;jpid fdlhtpd; rl;lq;fnsh epjpkd;w cj;jutfnsh mjpfhuj;jpid cgnahfpj;j Klf;fNth> #iwahlnth KbahJ. (Creditor Protection) 3. rpy Neuq;fspy; jq;fsf;f capu;,og;g Vw;gl;lhy;> vtuf;f jq;fspd; KjyPl;Lg; gzk; Ngha; NruNtz;Lk; vd;gjid fhg;gwjp epwtdj;jpd; KjyPl;Lf;fzf;fpy; cq;fspd; ifnahg;gkpl;l gbtj;jpy; Kd;$l;bNa ifr;rhj;jpl;l itf;fyhk;. epq;fs;,l;l KjyPL el;lkpy;yhj jq;fspd; capu;,og;gpd; gpd;gk; jhk; tpuk;gk; thuprfsf;f Neuhfg; Ngha;r;NrUk;. tq;fpfspy;,e;j khjpupahd trjpfs;,y;iy. capu;,og;gpd; gpd;g thuprfs; rpy rl;l eltbf;iffspd; mzfkiw %ynk gzj;jpidg; ngwkbak;. mjw;fhf gzr; nrytk; Vw;glyhk;. rpy Neuq;fspy; jq;fspd; capu;,og;gpw;f gpd;g jq;fspd; KjyPl;Lg; gzk; el;lkpy;yhj cq;fs; gps;isfsf;fg; Ngha;r; NrUk; vd;gjw;f vt;tpj cj;juthjkk; tq;fpfspd; KjyPl;Lj; jpl;lq;fspy;,y;iy.,j vq;fs; Kftu;fspd; Mega Financial Group,d;ndhU topfhl;ly; MFk;. vkj Kftu;fs; gyu;,u jug;gpyk; gzpgupe;j tugtu;fs;! mtu;fs; jq;fsf;f topfhl;l vd;wk; jahu; epiyapy; cs;sdh;. nfhba Neha;fspd; ghjpg;gpy; mikjpahf tho xu fhg;gwjpj; jpl;lk;. Critical Illness Insurance (fle;j 2014 Mk; Mz;by; vkj Mega Financial Group Vuhskhd fdba> njw;fhrpa kf;fsf;f,f;fhg;gwjpia gy;ntw fk;gdpfspyk; ifr;rhj;jpl;l tpw;gid nra;jjld;> rpy ghjpf;fg;gl;l NehahspfSf;F el;l<l NfhuYk; vkj mytfj;jpdhy; nra;j nfhlf;fg;gl;ls;sj.) njd; Mgpupf;fhtpid G+h;tPfkhff; nfhz;l cyfg; Gfo;ngw;w,Uja rj;jpu rpfpr;ir epgzu; lhf;lu; kupah]; ghu;dhl; Dr. Marius Barnard Kjd; Kjypy; xu kdpjdpd;,ujaj;jpid rj;jpu rpfpr;ir %yk; khw;wpaikj;j rhjid gilj;j kuj;jt cyfpw;nf xu topfhl;bahfj; jpfo;e;jtu;. rpy Mgj;jhd Neha;fspdhy; ghjpf;fg;gl;ltu;fs;> ghupa rj;jpu rpfpr;irf;f cl;gl;ltu;fs; tsu;e;j tuk; kuj;jt tpq;qhd cyfpd; fuizapdhy; jq;fs; rpfpr;irapd; gpd;gk; md;whl tukhdj;jpw;fhf njhlu;e;jk; njhopy; nra;fpd;w epyikapy;,ue;j rw;w khwgl;l Xa;T ngwfpd;w my;yj Ntiy Neuq;fisf; Fiwj;Jf; nfhz;l rw;w MWjyhf mikjpahf tho Ntz;Lkhdhy; mjw;f jpu;t ahj? vd rpe;jpj;jhu;... mtuj rpe;jidapy; voe;j KbTk; mtu; Kaw;rpAk; ru;tnjr upjpapy; mtu; Nkw;nfhz;l rpghu;rfspdhyk; cuthf;fg;gl;lnj,f;nfhba Neha;fspdhy; ghjpf;fg;gl;;ltu;fsf;fupa fhg;gwjpj; jpl;lk; (Critical Illness Insurance) MFk;. Kjd; Kjypy; njd; Mgpupf;fh> ag;ghd;> mt];jpnuypah>,q;fpyhe;j> mau;yhe;j Mfpa ehlfspy; mwpkfg;glj;jp 1994 Mk; Mz;L fdlhtpy; fhg;gwjpf; fk;gdpfs;,jid re;ijg;glj;j Muk;gpj;jd.,f;fhg;GWjpj; jpl;lj;jpd; mk;rq;fs; gpd;tukhw. nfhba Neha;fspd; ghjpg;g vd;nwh xu ehs; Vw;glyhk; vd vjpu;ghu;g;gtu;fs; MNuhf;fpakhf,Uf;Fk; NghJ ifr;rhj;jplk; xu xg;ge;jk;.,f; fhg;gwjpj; jpl;lk; yl;rk; nlhyu;fspy; my;yj kpy;ypad; nlhyu;fspy; tpuk;gpagb nra;j nfhs;syhk;. Neha; cwjpg;glj;jg;gl;l Kg;gJ ehl;fspd; gpd;g el;l <l;lj; njhifapd; fhnrhiy Nehahspf;F toq;fg;glk;. nfhba Neha;fspd; ghjpg;g Vw;glhJ el;l<l NfhUk; epyik Vw;gltpy;iyahdhy; nryj;jpa gzj;jpid Fwpg;gpl;l fhyj;jpd; gpd;g kpsg;ngwk; jpl;lq;fsk; cz;l. Neha;tha;g;gl;ltu; fdlhtpy; rpfpr;ir ngwj; jhkjkhdhy; cyfpd; jpwikahd kuj;jt trjpfis vq;f nrd;w ngw Ntz;LNkh mq;f nrd;w fhg;gwjpf; fk;gdpapd; xg;ge;jj; jpl;lj;jpd; nrytpy; rpfpr;irapid ngw;wf; nfhs;syhk;. 08

9 gpd;tuk; nfhba Neha;fs; mf;fhg;gwjpj; jpl;lj;jpd; el;l<l toq;fk; Neha;fshf mq;fpfupf;fg;gl;ls;sd. 1.,Uja Neha; - HEART ATTACK 2.,Uja FUjpr; Rw;Nwhl;lj; jil khw;wp xoq;fikf;fk; rj;jpu rpfpr;ir CORONARY ARTERY BYPASS SURGERY 3.,Uja thy;tfspd; khw;wk; - heart valve replacement 4. gf;fthjk; - STROKE 5. ghuprthjk; - PARALYSIS 6. rpwepufq;fspd; nray;ghl;lj; jd;ik - KIDNEY FAILURE 7. Gw;WNeha; - CANCER 8. ghu;f;fpd;]d; Neha; - PARKINSON DISEASE 9. my;irku; Neha; - ALZHEIMER'S DISEASE 10. clypy; cs;s gpujhd ehbfspd; rj;jpu rpfpr;ir - AORTIC SURGERY 11. vyk;g kr;irfspy; Vw;gLk; Neha;. - APLASTIC ANEMIA 12. %isf; fha;r;ry; - BRAIN FEVER 13. %isapy; cuthfk; fl;b. - BENIGN BRAIN TUMOUR 14. va;l;]; Neha; - OCCUPATIONAL HIV INFECTION 15. kj;jpa euk;g kz;ly Neha; - MULTIPLE SCLEROSIS - MS 16. vz;zq;fspd; nraw;ghlfisf; flj;jk; euk;g kz;ly fyq;fspd; rpuopt Neha; MOTOR NEURON DISEASE OR ALS - AMYOTROPHIC LATERAL DISEASE 17. clypy; cwg;gf;fs; vjhtj khw;wg;gljy;. - MAJOR ORGAN TRANSPLANT 18. tha;ngr Kbahj epiyik - LOSS OF SPEECH 19. fz; njupahj epiyik - BLINDNESS 20. fhj Nfshj epiyik - DEAFNESS 21. cjlfs; cile;j epiyik - LOSS OF LIMBS 22. epidt mw;w epiyik - COMA 23. flikahd Kiwapy; jpf;fhaq;fspdhy; ghjpf;fg;gl;l epiyik - SEVERE BURNS 24. Rakhf md;whl tho;tpy;,aq;f Kbahj epiyik - LOSS OF INDEPENDENT EXISTENCE 25. jirfis gytpdkila nra;ak; jir tsf;nfl - MUSCULAR DYSTROPHY 26. xu tifahd euk;gpay; Neha; - RETT SYNDROME 27. ngu %is thjk; - CEREBRAL PALSY 28. kjpapwf;fk; - AUTISM 29. Rthrg;ig> fy;ypuiyj; jhf;fk; nfhba Neha; - CYSTIC FIBROSIS 30.,d;Rypd; epupopt my;yj Foe;ijfs; epupopt - DIABETES MELLITUS TYPE khu;gf Gw;WNeha; - DUCTAL CARCINOMA IN SITU OF THE BREAST (I) 32. Muk;g epiyapy; cs;s Njhy; Gw;WNeha; - MALIGNANT MELANOMA- STAGE epbf;fg;gl;l cly;,aq;fhj epiyik - EXTENDED DISABLITY (2) 34. Mz;fspd; Kd;dpiyr; Rug;gpfspy; Vw;gLk; Gw;WNeha; - STAGE A (TIG or TIB) PROSTATE CANCER 35. gpwg;gpy; tuk;,ujaf; NfhshW - CONGENITAL HEART DISEASE 36. FUjpr; Rw;Nwhl;l jilapid mfw;wk; rpfpr;ir - CORONARY ANGIOPLASTY,t;thwhd Neha;fspdhy; Neha;tha;g;gl;ltu;fs; el;l<l NfhUk; NghJ kuj;jt mj;jhl;rpfsld; Neha; gw;wp ep&gpg;gjld;> xt;nthu Nehapd; jd;ik vd;gj fhg;gwjpf; fk;gdpapd; tiutpyf;fzj;jld; xj;j,uf;f Ntz;Lk;. Raj - Nadarajah President & CEO - Mega Financial Group njhopy; nra;a Kbahj mstf;f cly; epiy ghjpg;ghdhy;...? Waiver of Disability Premium jq;fspd; MAl;fhg;GWjp xg;ge;jj;jld; Fwpg;gplg;gl;l,t;xg;ge;j gpuptpid nfhq;r nlhyu;fs; Nkyjpfkhf nryj;jp khjh khjk; nryj;jk; fl;lg;gzj;jld; mjpfkhf;fp Nru;j;J tplq;fs;. (,t; xg;ge;jk; 60 taj tiuna nry;ygbahfk;),e;j Nkyjpf gpupt Nru;f;fg;gl;L,Uf;Fk; gl;rj;jpy; njhopy; nra;a Kbahj mstf;f cly; epiy ghjpg;gf;f cs;shdhy;> mjid Kiwg;gb fhg;gwjpf; fk;gdpf;f mwptpj;j khjh khjk; nryj;jk; fl;lg;gzj;jpid epwj;jpf; nfhs;syhk;. Vw;fdNt cly;epiy ghjpg;gile;jtu;fs; mjhtj MAl;fhg;GWjp xg;ge;jj;jpy;,e;j gpupt Nru;f;fg;gl;L jw;nghj njhopy; nra;a Kbahj mstpw;f cly;epiy ghjpg;gile;jpue;jhy; jq;fs; khjf; fl;lg;gzj;jpid epwj;j tpz;zg;gpj;jpu;fsh? January fhg;gwjp> epjpapay; nra;jpfs ;,jo; 1 09

10 Fkhupd; fhh;... Dr. V... vd;d nrhy;fpd;whu;? (njhlu; - 1) Gjpjhf thq;fpa jdj fhiu ahuplkk; nfhlf;f khl;lhu; Fkhu;. jd; kidtp xu mtruj;jpw;ff; Nfl;lhy; $l jhnd jhd; Xl;Lthu; Mdhy; rhtpiaf; nfhlf;f khl;lhu;. mofhftk; Rj;jkhfTk; jd; fhiu itj;jpug;gjpy; FkhUf;F,iz mtnu jhd;. fhuf;f Njitahd guhkupg;g Ntiynay;yhk; mtnu Kd;dpd;W nkf;fhdpf; gf;fj;jpy; epd;w nra;j Kbg;ghu;. fdlhtpy; ntw;wpfukhd xu jkpo; tu;j;jfu;fspy; FkhUk; xutu;. ehw;gj tajhd FkhUf;F md;ghd kidtp> xu kfd;. kidtp Rgh gl;ljhup vd;whyk; tpl kw;wk; Foe;ijfs; guhkhpg;gpy; NtW ve;j NtiyAk; vlj;jf; nfhs;stpy;iy. md;w Gjd;fpoik Fkhu; toik Nghy; NtiyapypUe;J rhaq;fhyk; VO kzpf;f tpl;bw;f te;j Nrh;e;jhu;. kpftk; mrjpahf,ug;gjhftk; xu Nfhg;gp Nghlr; nrhy;yp tpl;l Nrhghtpy; mku;e;jhu;. RghTk; Nfhg;gp Nghl rkayiwf;fs; nrd;w jpuk;gp tuk; NghJ Fkhu; ed;whfj; J}q;fpapUe;jhh;. epj;jpiuiaf; Fog;g Ntz;lhk; vd;w epidj;j Rgh jpuk;gk; NghJ Fkhupd; ifj;njhiyngrp mbj;jj. vd;djhd; Mo;e;j epj;jpiuahf,ue;jhyk; ifj;njhiyngrp mbj;jhy; clnd vlj;jg; NgRk; gof;fks;s Fkhu; md;w mg;gbna glj;jpue;jj tpj;jpahrkhf,ue;jj. rup ey;y fisg;ghf,uf;fk; Nghy vd;w epidj;j iyl;il mizj;j tpl;l mg;ghy; nrd;w Rgh xu tpjkhd tpj;jpahrkhd rj;jj;njhl Fkhu; %r;r tpltij czh;e;jhu;. clnd iyl;il kpz;lk; Nghl;L ghu;j;j NghJ Fkhupd; jiy njhq;fpapue;jj>. FkhUf;F %r;rj; jpzwy; Vw;gl;bUe;jJ. mjpu;r;rpnahl Fkhiu vog;g Kad;whu; Rgh> Mdhy; Fkhu; fz; jpwf;ftpy;iy. mk;khtpd; mywiyf; Nfl;l gj;j taj kfd; Xb te;j jhdk; mg;ghit vog;gg; ghu;j;jhd;. Kbatpy;iy cldbahf 911 miof;fg;gl;l mk;gyd;]; te;j Nru;e;jJ. Mdhy; Fkhupd; %r;r Kw;whf epd;wtpl;lj. ele;jj vd;d?... FkhUf;F ele;jj xu ngupa khuilg;g. jdj fhiuf; fz;zk; fuj;jkhf guhkupf;fj; njupe;j FkhUf;F jdj cly; epiyiag; guhkupf;fk; vz;zk; te;jnjapy;iy. ek;kpy; gyuk;,g;gbj;jhd; tho;e;j nfhz;buf;fpd;nwhk;. Kf;fpa fhuzk;> ekj fyhr;rhuk;. gpur;rid,ue;jhy; jhd; itj;jpauplk; NghNthk;.,y;iy vd;why; mj Njitapy;yhj Ntiy vd;w xjq;fp tplfpd;nwhk;. ek;ikg;nghy; kz;epw Njhy; nfhz;l kdpju;fsf;f>,yq;if,e;jpa tk;rhtspapdu;f;f rf;fiu NehAk;,Uja NehAk; tutjw;fhd tha;g;g kpfkpf mjpfk; vd;w tpq;qhd Muha;r;rpfs; ep&gpj;js;sd. ekj kugzf;fs; kl;lky;y ek; czt tiffs;> clw;gapw;rp nra;ahj tho;f;if Kiw Nghd;witAk;,e;j Neha;fisf; nfhz;l tuk; tpjkhf cs;sd.,jaj;jpw;f,uj;jj;ij toq;fk;,uj;jf; Foha;fs; kw;w,dj;jtu;fis tpl ek;ktu;f;f kpftk; nky;ypajhf,ug;gjhf Muha;r;rpfs; njuptpf;fpd;wd. mg;gbahdhy;,jpypue;j jg;gpf;f topjhd; vd;d? 1. cq;fsf;f cly; gpur;rid,uf;fpd;wnjh,y;iynah> ehw;gj taij neuq;fp tpl;lhy;> FLk;g itj;jpaiu mzfp cq;fs; cly; epiyiag; gupnrhjid nra;j nfhs;sq;fs;.,uj;j moj;jk;>,jaj;jbg;g> cly; vil kw;wk;,uj;jg; gupnrhjid nra;j nfhs;s Ntz;Lk;. vy;yhnk rupahf,uf;fk; gl;rj;jpy; Fiwe;jJ,uz;L tulq;fsf;f xukiwnadk; kuj;jtg; gupnrhjid nra;j nfhs;sq;fs;. 2. ru;f;fiu Neha;>,uj;j moj;jk; kw;wk; nfhog;g,ue;jhy; kuj;jtupd; nrhy; Nfl;L mjw;fupa rpfpr;iria vlj;jf; nfhs;sq;fs;. mg;gwk; ghu;f;fyhk;> xu tulk; fopj;j ghu;f;fyhk; vd;why; fhyd; cq;fis Ke;jptpl tha;g;g nfhlj;j tpltpu;fs;. 3. vd;djhd; Ntiy,Ue;jhYk;> jpdkk; clw;gapw;rp nra;tjw;f xu miu kzp Neuk; xjf;fp clw;gapw;rp nra;aq;fs;.,d;dkk; vj;jid Fkhu;fis ehq;fs;,of;fg; Nghfpd;Nwhk;? mjtk; mtu; ve;j tpjkhd fhg;gwjpak; nra;ahky; jd; kidtpiaak; Foe;ijiaAk; tpl;lr; nrd;wtpl;lhu;. Rgh jw;nghj tpl;il tpw;wtpl;l xu mlf;f khbf; FbapUg;gpy; kfndhl trpj;j tufpd;whhu;. jpdkk; fhiyapy; g];rpy; Ntiyf;Fg; Ngha;f;nfhz;bUf;fpd;whu;. Fkhu; Nerpj;j fhuk; Byuplk; Ngha;tpl;lJ.,J xu cz;ikr; rk;gtk; - ngau;fs; khj;jpuk; khw;wg;gl;ls;sj. Doctor V. 10

11 VALUE ADDED FREE SERVICES BY "MEGA FINANCIAL GROUP" TO OUR CLIENTS ONLY gy;ntw tifahd Nkyjpf rl;l cjtpfs; Multiple Legal Service 1. khfhd murpd;,ytr kue;jfsf;fupa fhg;gwjpj; jpl;lk; ngw;wf;nfhs;s Ntz;Lkh? The Trillium Drug Program 2. Vida ehlfsf;f tpiak; nra;ak; NghJ Vw;gLk; mtru kuj;jt nrytfis fdlhtpy; kpsg;ngw Ntz;Lkh? Out of Province / Country Claim Submission 3. tpkhdg; Nghf;Ftuj;jpy; Vw;gLk; mnrsfupaq;fs;>,ila+wfsf;fj; jpu;tfs;? epthuzq;fs; ngw Ntz;Lkh? Filing an Air Travel Complain 4. fdlhtpy; epjpkd;w Fw;wg;gjpTfs; mopf;fg;gly; Ntz;Lkh? Apply for Criminal Pardon 5. nghyp]; ifjfspy; vlf;fg;gl;l glq;fs;> iftpuy; milahsq;fs; epf;fg;gl Ntz;Lkh? Fingerprint & Photograph Destruction 6. ru;tnjr thfd mdkjpg;gj;jpuk; ngw Ntz;Lkh? The International Driver's Licence 7. gh];nghu;l; tpz;zg;gq;fs; G+u;j;jp nra;ag;gl Ntz;Lkh? Completing Passport Applications 8. nuhud;nuh Nghf;Ftuj;Jr; Nritfspy; Jizf;Fg; Nghf toq;fk;,ytr mdkjp Njitah? TTC Support Person Pass 9. efurigapd; ryiff;fs; toq;fk; Fiwthd kidfsf;f tpz;zg;gpf;f Ntz;Lkh? Application for Subsidized Housing in Toronto 10. Mjd cupikahsu; - Mjd FbapUg;ghsu; jpu;tfis Kd;ndLj;J kdr; nra;a Ntz;Lkh? Complaint of Landlord Tenant Board 11. gpwg;gr; rhl;rpg; gj;jpuk;> r%ff; fhg;gwjp ml;ilf;f tpz;zg;gpf;f Ntz;Lkh? Apply for Birth Certificate & S.I.N 12. thbf;ifahsu;fs; rpf;fy;fsf;f jpu;t fhz Ntz;Lkh? Complaint to Consumer Protection Branch 13. MAs; fhg;gwjp> kuj;jtf; fhg;gwjpfs; gy fk;gdpfspyk; guprpyid nra;j nfhs;s Ntz;Lkh? Shop around Life Insurance Quotes 14. MAs; fhg;gwjpapd; el;l <L Nfhuy; Kd; vlf;fg;gl Ntz;Lkh? Life Insurance Claims 15. kuzj;jpd; gpd;g fdba mur FLk;gj;jtu;fSf;F toq;fk; ryiffisg; ngw Ntz;Lkh? CPP Survivor, Death and Funeral Benefits 16. NkYk; gy rl;l cjtpfs;! Nkyjpf xoq;ffs;! Some Additional Services! Recommend Legal Firms (,j;jifa Nritfs; vq;fs; epwtdj;jpd}lhf fhg;gwjpfs; ngw;w thbf;ifahsu;fsf;f kl;lk;,ytrkhf toq;ftjhy;> Nritapidg; ngw tpuk;ggtu;fs; jq;fs; jq;fs; Kftu; %ykhf,t;,ytr Nritia ngw;wf;nfhs;s mzfkhw Nfl;fg;gLfpd;whu;fs;) 11

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