{"id":12806,"date":"2025-11-13T01:00:46","date_gmt":"2025-11-13T07:00:46","guid":{"rendered":"https:\/\/elcicgsi.ca\/?p=12806"},"modified":"2025-11-27T18:33:08","modified_gmt":"2025-11-28T00:33:08","slug":"nov-2025-pension-news","status":"publish","type":"post","link":"https:\/\/elcicgsi.ca\/?p=12806","title":{"rendered":"November 2025 Pension News"},"content":{"rendered":"[vc_row type=&#8221;in_container&#8221; full_screen_row_position=&#8221;middle&#8221; column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; scene_position=&#8221;center&#8221; top_padding=&#8221;0&#8243; bottom_padding=&#8221;0&#8243; top_margin=&#8221;0&#8243; bottom_margin=&#8221;0&#8243; text_color=&#8221;dark&#8221; text_align=&#8221;left&#8221; row_border_radius=&#8221;none&#8221; row_border_radius_applies=&#8221;bg&#8221; overflow=&#8221;visible&#8221; class=&#8221;enews&#8221; advanced_gradient_angle=&#8221;0&#8243; overlay_strength=&#8221;0.3&#8243; gradient_direction=&#8221;left_to_right&#8221; shape_divider_position=&#8221;bottom&#8221; bg_image_animation=&#8221;none&#8221; gradient_type=&#8221;default&#8221; shape_type=&#8221;&#8221;][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; column_position=&#8221;default&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][image_with_animation image_url=&#8221;12812&#8243; image_size=&#8221;full&#8221; max_width=&#8221;100%&#8221; max_width_mobile=&#8221;default&#8221; animation_type=&#8221;entrance&#8221; animation=&#8221;Fade In&#8221; animation_easing=&#8221;default&#8221; animation_movement_type=&#8221;transform_y&#8221; hover_animation=&#8221;none&#8221; alignment=&#8221;&#8221; border_radius=&#8221;none&#8221; box_shadow=&#8221;none&#8221; image_loading=&#8221;default&#8221;][\/vc_column][vc_column top_padding_desktop=&#8221;5&#8243; bottom_padding_desktop=&#8221;0&#8243; top_margin=&#8221;0&#8243; bottom_margin=&#8221;0&#8243; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; column_position=&#8221;default&#8221; el_class=&#8221;enews&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221; column_padding_type=&#8221;advanced&#8221; gradient_type=&#8221;default&#8221;][vc_custom_heading text=&#8221;In this Issue&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; google_fonts=&#8221;font_family:Domine%3Aregular%2C700|font_style:700%20bold%20regular%3A700%3Anormal&#8221; css=&#8221;&#8221;]<div class=\"nectar-fancy-ul link_style_opacity\" data-list-icon=\"fa fa-bookmark\" data-animation=\"false\" data-animation-delay=\"0\" data-color=\"accent-color\" data-spacing=\"default\" data-alignment=\"left\"> \n<ul>\n<li><a href=\"https:\/\/elcicgsi.ca\/?p=12806#results\">Q3 2025 Investment Results Report<\/a><\/li>\n<li><a href=\"https:\/\/elcicgsi.ca\/?p=12806#tips\">Tips from Barb: <span class=\"TextRun MacChromeBold SCXW273248 BCX8\" lang=\"EN-CA\" xml:lang=\"EN-CA\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW273248 BCX8\">Voluntary Pension Contributions<\/span><\/span><span class=\"EOP SCXW273248 BCX8\" data-ccp-props=\"{&quot;335551550&quot;:2,&quot;335551620&quot;:2}\">\u00a0<\/span><\/a><\/li>\n<li><a href=\"https:\/\/elcicgsi.ca\/?p=12806#planner\">It&#8217;s Never Too Late for a Financial Planner!<\/a><\/li>\n<li><a href=\"https:\/\/elcicgsi.ca\/?p=12806#recipe\">Good Eats: Date Muffins<\/a><\/li>\n<li><a href=\"https:\/\/elcicgsi.ca\/?p=12806#webinars\">Kii Webinar: Financial Wellness<\/a><\/li>\n<\/ul>\n <\/div>[\/vc_column][\/vc_row][vc_row type=&#8221;in_container&#8221; full_screen_row_position=&#8221;middle&#8221; column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; bg_color=&#8221;rgba(113,199,216,0.1)&#8221; scene_position=&#8221;center&#8221; top_padding=&#8221;0&#8243; left_padding_desktop=&#8221;5&#8243; right_padding_desktop=&#8221;5&#8243; top_margin=&#8221;0&#8243; text_color=&#8221;dark&#8221; text_align=&#8221;left&#8221; row_border_radius=&#8221;20px&#8221; row_border_radius_applies=&#8221;bg&#8221; overflow=&#8221;visible&#8221; id=&#8221;results&#8221; overlay_strength=&#8221;0.3&#8243; gradient_direction=&#8221;left_to_right&#8221; shape_divider_position=&#8221;bottom&#8221; bg_image_animation=&#8221;none&#8221; gradient_type=&#8221;default&#8221; shape_type=&#8221;&#8221;][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; column_position=&#8221;default&#8221; el_class=&#8221;enews&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221; column_padding_type=&#8221;default&#8221; gradient_type=&#8221;default&#8221;][image_with_animation image_url=&#8221;12893&#8243; image_size=&#8221;full&#8221; max_width=&#8221;100%&#8221; max_width_mobile=&#8221;default&#8221; animation_type=&#8221;entrance&#8221; animation=&#8221;Fade In&#8221; animation_easing=&#8221;default&#8221; animation_movement_type=&#8221;transform_y&#8221; hover_animation=&#8221;none&#8221; alignment=&#8221;center&#8221; border_radius=&#8221;custom&#8221; box_shadow=&#8221;none&#8221; top_left_border_radius=&#8221;20&#8243; top_right_border_radius=&#8221;20&#8243; image_loading=&#8221;default&#8221; el_class=&#8221;enews-banner&#8221;][vc_row_inner column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; top_padding=&#8221;0&#8243; bottom_padding=&#8221;0&#8243; left_padding_desktop=&#8221;0&#8243; right_padding_desktop=&#8221;0&#8243; text_align=&#8221;left&#8221; row_position=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;visible&#8221; pointer_events=&#8221;all&#8221; css=&#8221;.vc_custom_1759288942467{margin-right: 0px !important;border-right-width: 0px !important;padding-right: 20px !important;padding-left: 20px !important;}&#8221;][vc_column_inner bottom_padding_desktop=&#8221;0&#8243; bottom_margin=&#8221;0&#8243; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; overflow=&#8221;visible&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221; column_padding_type=&#8221;advanced&#8221; gradient_type=&#8221;default&#8221;][vc_custom_heading text=&#8221;Q3 2025 Investment Results Report&#8221; font_container=&#8221;tag:h1|text_align:center|color:%2387B943&#8243; google_fonts=&#8221;font_family:Domine%3Aregular%2C700|font_style:700%20bold%20regular%3A700%3Anormal&#8221; css=&#8221;&#8221; el_class=&#8221;enews&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;enews&#8221; text_direction=&#8221;default&#8221;]<a href=\"https:\/\/elcicgsi.ca\/wp-content\/uploads\/2025\/11\/investment-scaled.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-12877 size-medium alignright\" src=\"https:\/\/elcicgsi.ca\/wp-content\/uploads\/2025\/11\/investment-300x200.jpg\" alt=\"\" width=\"300\" height=\"200\" srcset=\"https:\/\/elcicgsi.ca\/wp-content\/uploads\/2025\/11\/investment-300x200.jpg 300w, https:\/\/elcicgsi.ca\/wp-content\/uploads\/2025\/11\/investment-1024x683.jpg 1024w, https:\/\/elcicgsi.ca\/wp-content\/uploads\/2025\/11\/investment-768x512.jpg 768w, https:\/\/elcicgsi.ca\/wp-content\/uploads\/2025\/11\/investment-1536x1024.jpg 1536w, https:\/\/elcicgsi.ca\/wp-content\/uploads\/2025\/11\/investment-2048x1365.jpg 2048w, https:\/\/elcicgsi.ca\/wp-content\/uploads\/2025\/11\/investment-900x600.jpg 900w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/a><\/p>\n<p>The Canadian economy contracted in Q2, shrinking by -1.6%, following a strong 2% gain in Q1. But weakness in the Canadian economy has largely remained a story around trade \u2014 most of the drop in Q2 GDP (Gross Domestic Product) came from a steep drop in exports, tied to a fall in U.S. imports after the surge in pre-tariff stockpiling in the first few months of the year. Due to the weakness in the economy (and thanks to relatively tame inflation numbers, around 1.9% in August) the Bank of Canada lowered its benchmark interest rate by 0.25% in September, providing some much-needed stimulus to the economy.<\/p>\n<p>In this context, the ELCIC Pension Plan <strong>returned 6.2% for the third quarter of 2025<\/strong>.<\/p>\n<h2>Canadian Equities<\/h2>\n<p>The Canadian stock market experienced a <strong>strong third quarter<\/strong> in 2025, with the S&amp;P\/TSX Composite Index gaining 12.5% to reach a new record high. The Materials sector was the clear leader, surging nearly 38%, primarily driven by a rally in precious metal prices, particularly gold, which attracted safe-haven demand amid heightened economic uncertainty. The Information Technology sector also performed well, up about 13%, largely fueled by the global boom in Artificial Intelligence (AI) and strong performances from major tech heavyweights like Shopify. The Industrials sector was the worst performer, declining slightly, while consumer staples and consumer discretionary sectors also lagged. These sectors, particularly those exposed to trade tensions and domestic economic sensitivity, lagged behind the market&#8217;s commodity and tech-driven momentum. In the first 9 months of the year, the TSX is up 24%.<\/p>\n<p>Canadian equities in the Growth portfolio gained over 9.1% in the quarter, which was an underperformance against their benchmark as the fund was positioned slightly more conservatively than the index this quarter.<\/p>\n<h2>Global Equities<\/h2>\n<p>In Q3 2025, <strong>global equities rallied strongly<\/strong>, driven by a surge in several tech-related names, while economic growth was also resilient. The launch of the Fed\u2019s interest rate cutting cycle also helped feed enthusiasm in global markets. U.S. stocks gained 8.1% in Q3 &#8211; outperforming most other developed markets \u2013 but on a year-to-date basis, U.S. equities are generally behind their counterparts in Europe due to the significant weakness in the large American IT sector early in the year.<\/p>\n<p>All of the funds in the Growth portfolio produced strong returns, although performance against their benchmarks was mixed. The Emerging Markets fund was the best performer, having gained 11.6% but underperformed its benchmark. The portfolio\u2019s largest equity holding, the Global Equity Fund, gained 9.7%, beating its benchmark in Q3.<\/p>\n<h2>Fixed Income<\/h2>\n<p>The Canadian bond market had a<strong> generally positive Q3<\/strong> 2025, driven by the Bank of Canada (BoC) cutting its benchmark interest rate to 2.50% in September. This rate cut, which was a response to a weakening economy and soft job market, caused bond yields to decline, benefiting bond prices. The yield curve also normalized somewhat, with shorter-term yields falling more than longer-term yields.<\/p>\n<p>Universe bonds, the largest holding in the Fixed Income portfolio, gained 1.7% while global opportunistic bonds gained 4.8%. Returns in corporate bonds and commercial mortgages were also strong. All the funds outperformed their benchmarks this quarter.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row type=&#8221;in_container&#8221; full_screen_row_position=&#8221;middle&#8221; column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; bg_color=&#8221;rgba(113,199,216,0.1)&#8221; scene_position=&#8221;center&#8221; top_padding=&#8221;0&#8243; left_padding_desktop=&#8221;5&#8243; right_padding_desktop=&#8221;0&#8243; top_margin=&#8221;0&#8243; text_color=&#8221;dark&#8221; text_align=&#8221;left&#8221; row_border_radius=&#8221;20px&#8221; row_border_radius_applies=&#8221;bg&#8221; overflow=&#8221;visible&#8221; id=&#8221;tips&#8221; overlay_strength=&#8221;0.3&#8243; gradient_direction=&#8221;left_to_right&#8221; shape_divider_position=&#8221;bottom&#8221; bg_image_animation=&#8221;none&#8221; gradient_type=&#8221;default&#8221; shape_type=&#8221;&#8221;][vc_column column_padding=&#8221;no-extra-padding&#8221; 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column_padding_type=&#8221;default&#8221; gradient_type=&#8221;default&#8221;][image_with_animation image_url=&#8221;12823&#8243; image_size=&#8221;full&#8221; max_width=&#8221;100%&#8221; max_width_mobile=&#8221;default&#8221; animation_type=&#8221;entrance&#8221; animation=&#8221;Fade In&#8221; animation_easing=&#8221;default&#8221; animation_movement_type=&#8221;transform_y&#8221; hover_animation=&#8221;none&#8221; alignment=&#8221;center&#8221; border_radius=&#8221;custom&#8221; box_shadow=&#8221;none&#8221; top_left_border_radius=&#8221;20&#8243; top_right_border_radius=&#8221;20&#8243; image_loading=&#8221;default&#8221; el_class=&#8221;enews-banner&#8221;][vc_row_inner column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; text_align=&#8221;left&#8221; row_position=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;visible&#8221; pointer_events=&#8221;all&#8221; css=&#8221;.vc_custom_1702227614107{padding-right: 20px !important;padding-left: 20px !important;}&#8221;][vc_column_inner bottom_padding_desktop=&#8221;0&#8243; bottom_margin=&#8221;0&#8243; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; overflow=&#8221;visible&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221; column_padding_type=&#8221;advanced&#8221; gradient_type=&#8221;default&#8221;][vc_custom_heading text=&#8221;Voluntary Pension Contributions&#8221; font_container=&#8221;tag:h1|text_align:center|color:%2387B943&#8243; google_fonts=&#8221;font_family:Domine%3Aregular%2C700|font_style:700%20bold%20regular%3A700%3Anormal&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;enews&#8221; text_direction=&#8221;default&#8221;]\n<p data-wp-editing=\"1\"><a href=\"https:\/\/elcicgsi.ca\/wp-content\/uploads\/2025\/11\/Forms.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-12880 size-medium alignright\" src=\"https:\/\/elcicgsi.ca\/wp-content\/uploads\/2025\/11\/Forms-300x186.jpg\" alt=\"\" width=\"300\" height=\"186\" srcset=\"https:\/\/elcicgsi.ca\/wp-content\/uploads\/2025\/11\/Forms-300x186.jpg 300w, https:\/\/elcicgsi.ca\/wp-content\/uploads\/2025\/11\/Forms.jpg 500w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/a>Did you know you may contribute<strong> up to an additional 3%<\/strong> of your salary each year to RRSPs or to your ELCIC Pension Plan?<\/p>\n<p>Canada Revenue Agency allows a total yearly contribution of 18% of an employee\u2019s salary. The required contributions to the ELCIC Pension Plan are 15%: 7% member-deducted and 8% employer remitted on your behalf. That leaves you the remaining 3% that you can contribute.<\/p>\n<p>If you would like to make additional voluntary pension contributions, please complete the <a href=\"https:\/\/elcicgsi.ca\/wp-content\/uploads\/2023\/04\/Voluntary-Contributions.pdf\" target=\"_blank\" rel=\"noopener\">Voluntary Contributions form<\/a> and email it to our office. Contributions may start and stop at anytime.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row type=&#8221;in_container&#8221; full_screen_row_position=&#8221;middle&#8221; column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; bg_color=&#8221;#FFFFFF&#8221; scene_position=&#8221;center&#8221; bottom_padding=&#8221;0&#8243; text_color=&#8221;dark&#8221; text_align=&#8221;left&#8221; row_border_radius=&#8221;20px&#8221; row_border_radius_applies=&#8221;bg&#8221; overflow=&#8221;visible&#8221; id=&#8221;planner&#8221; advanced_gradient_angle=&#8221;0&#8243; overlay_strength=&#8221;0.3&#8243; gradient_direction=&#8221;left_to_right&#8221; shape_divider_position=&#8221;bottom&#8221; bg_image_animation=&#8221;none&#8221; gradient_type=&#8221;default&#8221; shape_type=&#8221;&#8221;][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; 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tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221; column_padding_type=&#8221;default&#8221; gradient_type=&#8221;default&#8221;][vc_row_inner column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; text_align=&#8221;left&#8221; row_position=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;visible&#8221; pointer_events=&#8221;all&#8221; css=&#8221;.vc_custom_1753929185790{margin-bottom: 0px !important;border-bottom-width: 0px !important;padding-bottom: 0px !important;}&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; 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animation=&#8221;None&#8221; animation_movement_type=&#8221;transform_y&#8221; hover_animation=&#8221;none&#8221; alignment=&#8221;center&#8221; border_radius=&#8221;none&#8221; box_shadow=&#8221;none&#8221; image_loading=&#8221;default&#8221; el_class=&#8221;enews&#8221;][vc_custom_heading text=&#8221;It&#8217;s Never Too Late for a Financial Planner!&#8221; font_container=&#8221;tag:h1|font_size:22px|text_align:center|color:%2387b943&#8243; google_fonts=&#8221;font_family:Domine%3Aregular%2C700|font_style:700%20bold%20regular%3A700%3Anormal&#8221; css=&#8221;.vc_custom_1762820691043{margin-bottom: 0px !important;border-bottom-width: 0px !important;padding-top: 0px !important;padding-bottom: 9px !important;}&#8221;][\/vc_column_inner][vc_column_inner bottom_padding_desktop=&#8221;0&#8243; left_padding_desktop=&#8221;20&#8243; right_padding_desktop=&#8221;20&#8243; bottom_margin=&#8221;0&#8243; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; overflow=&#8221;visible&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221; column_padding_type=&#8221;advanced&#8221; gradient_type=&#8221;default&#8221;][vc_column_text css=&#8221;.vc_custom_1762818981508{margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 0px !important;border-right-width: 0px !important;border-bottom-width: 0px !important;border-left-width: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;padding-left: 0px !important;}&#8221; el_class=&#8221;enews&#8221; text_direction=&#8221;default&#8221;]<a href=\"https:\/\/elcicgsi.ca\/wp-content\/uploads\/2025\/11\/financial-planner.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-12891 alignright\" src=\"https:\/\/elcicgsi.ca\/wp-content\/uploads\/2025\/11\/financial-planner-300x169.jpg\" alt=\"\" width=\"300\" height=\"169\" srcset=\"https:\/\/elcicgsi.ca\/wp-content\/uploads\/2025\/11\/financial-planner-300x169.jpg 300w, https:\/\/elcicgsi.ca\/wp-content\/uploads\/2025\/11\/financial-planner.jpg 500w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/a>Do you have a financial planner? If the answer is <strong>yes<\/strong>, that is great! If your answer is no, it\u2019s not too late.<\/p>\n<p>Managing your investments is not an easy task. A financial planner can help <strong>optimize your income streams<\/strong>, manage taxes, and plan for healthcare costs, vacations and life in retirement!<\/p>\n<p>A financial planner will assist you in <strong>defining clear goals<\/strong> and help you achieve them, reducing financial stress and giving you control over your future. You will benefit from their knowledge and experience with regards to financial rules, regulations and investment products.<\/p>\n<p>One way to find a good financial planner is to seek recommendations from people you trust (family, friends). Look for the type of <strong>education, training and experience<\/strong> prospective candidates have. Ask them questions to assess if they have the qualifications that you are looking for. You do not have to go with the first planner you meet![\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row type=&#8221;in_container&#8221; full_screen_row_position=&#8221;middle&#8221; column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; bg_color=&#8221;rgba(135,185,67,0.02)&#8221; scene_position=&#8221;center&#8221; bottom_padding=&#8221;20&#8243; text_color=&#8221;dark&#8221; text_align=&#8221;left&#8221; row_border_radius=&#8221;20px&#8221; row_border_radius_applies=&#8221;bg&#8221; overflow=&#8221;visible&#8221; id=&#8221;recipe&#8221; advanced_gradient_angle=&#8221;0&#8243; overlay_strength=&#8221;0.3&#8243; gradient_direction=&#8221;left_to_right&#8221; shape_divider_position=&#8221;bottom&#8221; bg_image_animation=&#8221;none&#8221; gradient_type=&#8221;default&#8221; shape_type=&#8221;&#8221;][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; bottom_margin=&#8221;0&#8243; left_margin=&#8221;0&#8243; right_margin=&#8221;0&#8243; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color=&#8221;rgba(255,0,0,0.02)&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;custom&#8221; top_left_border_radius=&#8221;20&#8243; top_right_border_radius=&#8221;20&#8243; bottom_right_border_radius=&#8221;20&#8243; bottom_left_border_radius=&#8221;20&#8243; column_link_target=&#8221;_self&#8221; column_position=&#8221;default&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221; column_padding_type=&#8221;default&#8221; gradient_type=&#8221;default&#8221;][image_with_animation image_url=&#8221;12894&#8243; image_size=&#8221;full&#8221; max_width=&#8221;100%&#8221; max_width_mobile=&#8221;default&#8221; animation_type=&#8221;entrance&#8221; animation=&#8221;None&#8221; animation_movement_type=&#8221;transform_y&#8221; hover_animation=&#8221;none&#8221; alignment=&#8221;center&#8221; border_radius=&#8221;none&#8221; box_shadow=&#8221;none&#8221; image_loading=&#8221;default&#8221; el_class=&#8221;enews&#8221;][vc_custom_heading text=&#8221;Flourless Date Muffins&#8221; font_container=&#8221;tag:h1|font_size:22px|text_align:center|color:%2387b943&#8243; google_fonts=&#8221;font_family:Domine%3Aregular%2C700|font_style:700%20bold%20regular%3A700%3Anormal&#8221; css=&#8221;.vc_custom_1762818996841{margin-bottom: 0px !important;border-bottom-width: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}&#8221;][vc_row_inner column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; text_align=&#8221;left&#8221; row_position=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;visible&#8221; pointer_events=&#8221;all&#8221; css=&#8221;.vc_custom_1762806818521{padding-top: 0px !important;padding-right: 20px !important;padding-bottom: 20px !important;padding-left: 20px !important;}&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; overflow=&#8221;visible&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;enews&#8221; text_direction=&#8221;default&#8221;]\n<p style=\"padding-left: 40px;\"><a href=\"https:\/\/elcicgsi.ca\/wp-content\/uploads\/2025\/11\/DateMuffins@2x.png\"><img loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-12886 alignright\" src=\"https:\/\/elcicgsi.ca\/wp-content\/uploads\/2025\/11\/DateMuffins@2x-200x300.png\" alt=\"\" width=\"200\" height=\"300\" srcset=\"https:\/\/elcicgsi.ca\/wp-content\/uploads\/2025\/11\/DateMuffins@2x-200x300.png 200w, https:\/\/elcicgsi.ca\/wp-content\/uploads\/2025\/11\/DateMuffins@2x.png 682w\" sizes=\"auto, (max-width: 200px) 100vw, 200px\" \/><\/a><\/p>\n<h3>Ingredients<\/h3>\n<p style=\"padding-left: 40px;\">2 cups rolled oats<br \/>\n8 dates, pitted (about \u00be cups)<br \/>\n\u00bd cup olive oil<br \/>\n\u00bc cup real maple syrup<br \/>\n2 eggs<br \/>\n1 teaspoon baking soda<br \/>\nPinch of sea salt and\/or cinnamon (optional)<br \/>\nCoconut\/seeds\/nuts\/butterscotch chips (optional for topping)<\/p>\n<h3>Instructions<\/h3>\n<ol>\n<li>Preheat the oven to 350 degrees.<\/li>\n<li>Mix all ingredients in a blender until a chunky batter comes together.<\/li>\n<li>Pour batter into greased or lined muffin tin. Sprinkle with your optional topping.<\/li>\n<li>Bake for 15-18 minutes, until the tops gently spring back when you press into them.<\/li>\n<\/ol>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row type=&#8221;in_container&#8221; full_screen_row_position=&#8221;middle&#8221; column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; bg_color=&#8221;rgba(135,185,67,0.1)&#8221; scene_position=&#8221;center&#8221; top_padding=&#8221;0&#8243; bottom_padding=&#8221;20&#8243; left_padding_desktop=&#8221;0&#8243; right_padding_desktop=&#8221;0&#8243; top_padding_tablet=&#8221;5&#8243; bottom_padding_tablet=&#8221;5&#8243; left_padding_tablet=&#8221;5&#8243; right_padding_tablet=&#8221;5&#8243; top_padding_phone=&#8221;5&#8243; bottom_padding_phone=&#8221;5&#8243; left_padding_phone=&#8221;5&#8243; right_padding_phone=&#8221;5&#8243; text_color=&#8221;dark&#8221; 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box_shadow=&#8221;none&#8221; top_left_border_radius=&#8221;20&#8243; top_right_border_radius=&#8221;20&#8243; image_loading=&#8221;default&#8221; el_class=&#8221;enews-banner&#8221;][\/vc_column][vc_column column_padding=&#8221;padding-3-percent&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;left-right&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;center&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; column_position=&#8221;default&#8221; el_class=&#8221;enews&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221; column_padding_type=&#8221;default&#8221; gradient_type=&#8221;default&#8221;][vc_custom_heading text=&#8221;Financial Literacy&#8221; font_container=&#8221;tag:h1|font_size:22px|text_align:center|color:%2387b943&#8243; google_fonts=&#8221;font_family:Domine%3Aregular%2C700|font_style:700%20bold%20regular%3A700%3Anormal&#8221; css=&#8221;.vc_custom_1762133200561{margin-bottom: 0px !important;border-bottom-width: 0px !important;padding-top: 20px !important;padding-bottom: 0px !important;}&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;enews&#8221; text_direction=&#8221;default&#8221;]\n<p style=\"text-align: left;\"><strong><a href=\"https:\/\/elcicgsi.ca\/wp-content\/uploads\/2025\/11\/stressed-about-money.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-12821 size-medium alignright\" src=\"https:\/\/elcicgsi.ca\/wp-content\/uploads\/2025\/11\/stressed-about-money-200x300.jpg\" alt=\"\" width=\"200\" height=\"300\" srcset=\"https:\/\/elcicgsi.ca\/wp-content\/uploads\/2025\/11\/stressed-about-money-200x300.jpg 200w, https:\/\/elcicgsi.ca\/wp-content\/uploads\/2025\/11\/stressed-about-money.jpg 667w\" sizes=\"auto, (max-width: 200px) 100vw, 200px\" \/><\/a>Theme<\/strong>: Financial Literacy<\/p>\n<p style=\"text-align: left;\"><strong>Expert<\/strong>: <span class=\"TextRun SCXW62977693 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW62977693 BCX8\" data-ccp-parastyle=\"No Spacing\">Tina Filion, Partnership &amp; Education Specialist at Credit Counselling Society\u00a0<\/span><\/span><\/p>\n<p style=\"text-align: left;\"><strong>Ask an Expert Question \/ Concern<\/strong>: \u201c<span class=\"TextRun SCXW49046667 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW49046667 BCX8\" data-ccp-parastyle=\"No Spacing\">The rising cost of living is really taking a toll on my life and finances. <\/span><span class=\"NormalTextRun SCXW49046667 BCX8\" data-ccp-parastyle=\"No Spacing\">I\u2019ve<\/span><span class=\"NormalTextRun SCXW49046667 BCX8\" data-ccp-parastyle=\"No Spacing\"> been trying to live within my means and manage my debt, but instead, I <\/span><span class=\"NormalTextRun SCXW49046667 BCX8\" data-ccp-parastyle=\"No Spacing\">just seem to be<\/span><span class=\"NormalTextRun SCXW49046667 BCX8\" data-ccp-parastyle=\"No Spacing\"> digging a <\/span><span class=\"NormalTextRun SCXW49046667 BCX8\" data-ccp-parastyle=\"No Spacing\">deeper and deeper<\/span><span class=\"NormalTextRun SCXW49046667 BCX8\" data-ccp-parastyle=\"No Spacing\"> hole. What can I do to get back on track?\u201d<\/span><\/span><\/p>\n<p style=\"text-align: left;\"><strong>Description<\/strong>: <span class=\"TextRun SCXW173866934 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW173866934 BCX8\" data-ccp-parastyle=\"No Spacing\">If <\/span><span class=\"NormalTextRun SCXW173866934 BCX8\" data-ccp-parastyle=\"No Spacing\">you\u2019re<\/span><span class=\"NormalTextRun SCXW173866934 BCX8\" data-ccp-parastyle=\"No Spacing\"> feeling<strong> overwhelmed by the rising cost of living and struggling to manage your finances<\/strong>, <\/span><span class=\"NormalTextRun SCXW173866934 BCX8\" data-ccp-parastyle=\"No Spacing\">you\u2019re<\/span><span class=\"NormalTextRun SCXW173866934 BCX8\" data-ccp-parastyle=\"No Spacing\"> not alone. Recent statistics have found that finances \u2013 more even than work, health, and relationships \u2013 are the <strong>biggest source of stress<\/strong> for most people. <\/span><\/span><\/p>\n<p style=\"text-align: left;\"><span class=\"TextRun SCXW173866934 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW173866934 BCX8\" data-ccp-parastyle=\"No Spacing\">Join <\/span><span class=\"NormalTextRun SpellingErrorV2Themed SCXW173866934 BCX8\" data-ccp-parastyle=\"No Spacing\">CloudMD<\/span><span class=\"NormalTextRun SCXW173866934 BCX8\" data-ccp-parastyle=\"No Spacing\"> this month to learn practical strategies for budgeting, debt management, and effective saving. Participants will be <strong>equipped with knowledge and skills<\/strong> to create a realistic financial plan tailored to their needs, <\/span><span class=\"NormalTextRun SCXW173866934 BCX8\" data-ccp-parastyle=\"No Spacing\">identify<\/span><span class=\"NormalTextRun SCXW173866934 BCX8\" data-ccp-parastyle=\"No Spacing\"> and prioritize their expenses, and reduce their debt.\u00a0<\/span><\/span><span class=\"EOP SCXW173866934 BCX8\" data-ccp-props=\"{&quot;335559739&quot;:0}\">\u00a0<\/span><\/p>\n[\/vc_column_text][vc_column_text css=&#8221;&#8221; el_class=&#8221;enews&#8221; text_direction=&#8221;default&#8221;]\n<p style=\"text-align: center;\" data-pm-slice=\"1 1 []\">The webinar was November 12, but you can still access the recording by registering at the original link, below.<\/p>\n[\/vc_column_text][nectar_btn size=&#8221;small&#8221; open_new_tab=&#8221;true&#8221; button_style=&#8221;regular-tilt&#8221; button_color=&#8221;Accent-Color&#8221; icon_family=&#8221;fontawesome&#8221; el_class=&#8221;enews-button&#8221; text=&#8221;Access the Recording&#8221; url=&#8221;https:\/\/attendee.gotowebinar.com\/register\/1118657866996795736&#8243; icon_fontawesome=&#8221;fa fa-wpforms&#8221;][\/vc_column][\/vc_row][vc_row type=&#8221;in_container&#8221; full_screen_row_position=&#8221;middle&#8221; column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; bg_color=&#8221;rgba(113,199,216,0.1)&#8221; scene_position=&#8221;center&#8221; text_color=&#8221;dark&#8221; text_align=&#8221;center&#8221; row_border_radius=&#8221;none&#8221; row_border_radius_applies=&#8221;bg&#8221; overflow=&#8221;visible&#8221; id=&#8221;Contact&#8221; advanced_gradient_angle=&#8221;0&#8243; overlay_strength=&#8221;0.3&#8243; gradient_direction=&#8221;left_to_right&#8221; shape_divider_position=&#8221;bottom&#8221; bg_image_animation=&#8221;none&#8221; gradient_type=&#8221;default&#8221; shape_type=&#8221;&#8221;][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; column_position=&#8221;default&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][image_with_animation image_url=&#8221;12556&#8243; image_size=&#8221;full&#8221; max_width=&#8221;100%&#8221; max_width_mobile=&#8221;default&#8221; animation_type=&#8221;entrance&#8221; animation=&#8221;None&#8221; animation_movement_type=&#8221;transform_y&#8221; hover_animation=&#8221;none&#8221; alignment=&#8221;&#8221; border_radius=&#8221;custom&#8221; box_shadow=&#8221;none&#8221; top_left_border_radius=&#8221;20&#8243; top_right_border_radius=&#8221;20&#8243; image_loading=&#8221;default&#8221; el_class=&#8221;enews-banner&#8221;][vc_custom_heading text=&#8221;We welcome your questions &amp; feedback!&#8221; font_container=&#8221;tag:h2|text_align:center&#8221; google_fonts=&#8221;font_family:Domine%3Aregular%2C700|font_style:700%20bold%20regular%3A700%3Anormal&#8221;][vc_column_text el_class=&#8221;enews&#8221;]please write to us:<a href=\"mailto:admin@elcicgsi.ca\"> admin@elcicgsi.ca<\/a><br \/>\nor call toll free: 1-877-352-4247 (in Winnipeg 204-984-9181)<br \/>\ninformation and resources can also be found on the <a href=\"https:\/\/elcicgsi.ca\">GSI website<\/a>[\/vc_column_text][\/vc_column][\/vc_row]\n","protected":false},"excerpt":{"rendered":"<p>Topics: Q3 Investment Results, Tip on Voluntary Pension Contributions, Financial Planners, Recipe for Flourless Date Muffins, Webinar on Financial Wellness<\/p>\n","protected":false},"author":13,"featured_media":10967,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[34],"post_folder":[18,20],"class_list":{"0":"post-12806","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-planmembers","8":"tag-pension"},"featured_image_src":"https:\/\/elcicgsi.ca\/wp-content\/uploads\/2024\/10\/Pension-News.jpeg?ver=1727747854","author_info":{"display_name":"Faithful Servant","author_link":"https:\/\/elcicgsi.ca\/?author=13"},"_links":{"self":[{"href":"https:\/\/elcicgsi.ca\/index.php?rest_route=\/wp\/v2\/posts\/12806","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/elcicgsi.ca\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/elcicgsi.ca\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/elcicgsi.ca\/index.php?rest_route=\/wp\/v2\/users\/13"}],"replies":[{"embeddable":true,"href":"https:\/\/elcicgsi.ca\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=12806"}],"version-history":[{"count":0,"href":"https:\/\/elcicgsi.ca\/index.php?rest_route=\/wp\/v2\/posts\/12806\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/elcicgsi.ca\/index.php?rest_route=\/wp\/v2\/media\/10967"}],"wp:attachment":[{"href":"https:\/\/elcicgsi.ca\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=12806"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/elcicgsi.ca\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=12806"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/elcicgsi.ca\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=12806"},{"taxonomy":"post_folder","embeddable":true,"href":"https:\/\/elcicgsi.ca\/index.php?rest_route=%2Fwp%2Fv2%2Fpost_folder&post=12806"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}