November 2008 Senior Living Magazine Island Edition by INSPIRED 55+ Lifestyle Magazine

November 2008

Vancouver Island’s 50+ Active Lifestyle Magazine

l a i c e p S

EARLY RETIREMENT

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CELEBRATING SENIORS IN OUR COMMUNITY NOVEMBER 2008

Photo: Jackie Holt

Early retiree Malcolm Holt sails into Sydney Harbour, Australia. He and his wife, Jackie, travelled the globe for nine years. Story on page 6.

COVER PHOTO: Early retiree Jackie Holt emerges from an Ecuadoran Mud Pool. Story on page 6. Photo: Malcolm Holt Publisher Barbara Risto Editor Bobbie Jo Sheriff Contributors Norman K. Archer, Goldie Carlow, Dustin Cook, Ted Dew-Jones, Judee Fong, Gipp Forster, Jackie Holt, Malcolm Holt, Julia Jenkins, Chris and Rick Millikan, Rosalind Scott, Barbara Small, Peggy York Design Barbara Risto, Bobbie Jo Sheriff Proofreader Allyson Mantle Advertising Manager Barry Risto For advertising information, call 479-4705 sales@seniorlivingmag.com Ad Sales Staff IMG Innovative Media Group Mathieu Powell 250-704-6288 John Dubay 250-294-9700 Ann Lester 250-390-1805 Barry Risto 250-479-4705 Shelley Ward (Comox Valley) 250-702-3731 RaeLeigh Buchanan 250-479-4705 Robert Doak 250-479-4705 Distribution Ron Bannerman, Gail Fattore, Jim Gahr, Lorraine Rhode, Barry Risto, Betty Risto, Sheila Rose Richardson, Tanya Turner Contact Information Senior Living, 153, 1581-H Hillside Ave.,Victoria BC V8T 2C1 Phone 250-479-4705 Toll-free 1-877-479-4705 Fax 250-479-4808 E-mail (General) ofﬁce@seniorlivingmag.com (Editorial) editor@seniorlivingmag.com Web site www.seniorlivingmag.com Subscriptions $32 (includes GST) for 10 issues. Canadian residents only. No portion of this publication may be reproduced in whole or in part without written permission from the publisher. Senior Living is an independent publication and its articles imply no endorsement of any products or services. The views expressed herein are not necessarily those of the publisher. Unsolicited articles are welcome and should be e-mailed to editor@seniorlivingmag.com Senior Living Vancouver Island is distributed free throughout Vancouver Island. Stratis Publishing Ltd. publishes Senior Living Vancouver Island (10 issues per year), the Housing Guide (January & July) and Senior Living Vancouver & Lower Mainland (10 issues per year). ISSN 1710-3584 (Print) ISSN 1911-6403 (Online)

SENIOR LIVING

FEATURES 6 Early Retirement

Island couple sells their home, business and all their worldly possessions to seize their day.

Lest We Forget

14 Cadet to Ofﬁcer

Former Royal British Engineer Ted Dew-Jones recalls his coming-of-age story in 1947 England.

16-25 PLANNED GIVING GUIDE 16 Celebrating a Life Well Lived 18 A Renaissance of Philanthropy 22 “This Land is Not to be Developed” 28 To Give

Columns 4 The Family Caregiver Barbara Small

12 Victoria’s Past Revisited Norman Archer

26 Ask Goldie

Goldie Carlow

46 Scam Alert

Rosalind Scott

48 Reﬂections:Then and Now Gipp Forster

CFAX Santas Anonymous’s tireless administrator Dusty Cunningham.

Courageous & Outrageous

34 You and Your RRIF

and...

Reducing the risk to your RRIF during market volatility.

37 Leaving a Legacy? Start By Updating Your Will

The most important document you will ever sign – make sure your Will is in order.

38 Fascinating Fiji

There’s more to this island paradise than blue waters and white sandy beaches – a lot more!

Returns next issue

Home Support Directory 32 Classiﬁeds 43 Events 44

As the Pendulum Swings

Local expert, Marek Glodek, answers your timepiece questions.

Marek is a third generation European certiﬁed watch and clockmaker with over 27 years experience. When Marek isn’t answering your questions he can be found working on many fascinating and complex timepieces at Barclay’s Fine Custom Jewellers in Oak Bay Village. Have a question about your timepiece? Call Marek at 250-592-1100 or email at asktheexpert@barclaysjewellers.com. Dear Marek: My grandfather clock has stopped working! Is there anything I can do myself to get the clock running again? Ticked Tina Dear Tina: Fortunately, most clocks that have stopped running require only minor repairs. There are some basic things to check for. First, check to make sure your clock is wound. You’d be surprised how much this happens. Second, check to see if your clocks hands are touching. If they are, your clock will not run. Touching hands can jam the time train which stops the pendulum from swinging. To ﬁx, push the hour hand slightly towards the dial so it clears the

minute hand but make sure that it does not touch the dial. You can also try bending back the minute hand towards you but be sure that it does not come into contact with the glass. Still not working? Place a call to a clock professional who can give you a free estimate.

professional should oil the clock so oil is applied in the correct places in the correct amounts. Missing oil points can cause major problems and work by an unqualiﬁed person can possibly do more harm than good.

Dear Marek: When should I have my clock professionally serviced? Wondering William Dear William: A typical clock should be professionally serviced every 5-8 years to prevent damage caused by friction on moving parts. During which, all the clocks movements are dismantled and ultrasonically cleaned. At that time the mechanism is inspected for wear and other problems. If necessary (e.g. signiﬁcant pivot hole wear), the clock will have bushings installed and pivots polished to correct the wear. Also, the mainsprings should be inspected and replaced if broken or rusted. The clock should then be tested for at least 7 days to make sure it is operating properly before being sent back to you. An experienced

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AN EXCEPTIONAL LIFE

NOVEMBER 2008

9/17/07 4:31:23 PM

THE Caregiving After FAMILY Facility Placement CAREGIVER BY BARBARA SMALL

aregiving does not end when a person moves into a facility. Although caregivers may have more time for themselves and don’t have sole responsibility for their loved one’s personal care, they may still need to make legal and ﬁnancial decisions, visit them, perhaps take them to appointments, run errands and participate in care decisions. Below are some tips for caregiving after facility placement. 1. Share the care. You are now part of a care team. Good communication and consultation is essential. Clarify what care the facility staff will provide and what is expected of you. The staff will care for your family member as needed, though maybe not exactly as you have been doing. But remember, your family member’s health has diminished, so care needs will likely be different now. 2. Visiting someone in a facility. There is no formula as to how often you should visit, though regular, predictable visits are helpful. Have others share in the visiting, as well, but avoid visiting in large groups. Create a balance between doing activities with

your family member and quiet time just sitting. Determine the best time to visit: When is your loved one alert? When is personal care time or meals? If you have difﬁculty with visits, talk to the staff, they may have some suggestions. 3. Dealing with requests to go home. Acknowledge these requests with: “I know how much you want to go home and I wish it were possible,” and remind them why they can’t – “because you can’t balance/walk,” “because I am not well myself.” Try not to act defensive and don’t make empty promises to take him or her home. Often, it can take up to six weeks for someone to settle into a facility. 4. Sharing news. When you visit, let your family member share news about experiences at the facility and about other residents. Remember this is your loved one’s new home. 5. Share your knowledge and experience with staff. You know your family member best. Provide the facility staff with insight into personal needs and preferences. Help the staff get to know your family member bet-

ter so they can provide him or her with unique care. 6. Advocate for the care recipient. Find out about the protocol for feedback or complaints at the care facility. Who are the key people you speak to about speciﬁc concerns? Find out the best time to talk to this person (for example, not during shift change). 7. More time for self-care. You will now have more free time to focus on yourself and resume activities you did before becoming a caregiver. Although you may feel lost for a while, you now have the opportunity to start taking better care of yourself. This will help improve your relationship with the person to whom you provide care. SL Next month: Tips for caregiving during the holiday season Barbara Small is Program Development Coordinator for Family Caregivers’ Network Society.

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EARLY RETIREMENT BY MALCOLM HOLT

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Photo: Malco lm Holt

ost people plan a progres- were headed. Certainly, California and sion through their career, Mexico were our first destinations, but leading towards a timely after that we really didn’t know; we retreat in the pursuit of hobbies, recrea- felt it was probably wiser to determine tional activities and dreams put on hold whether the cruising lifestyle really due to the demands of family and work. suited us before we committed ourThat’s the way insurance companies and investment advisors would have you do it. We did it differently. Having had the good fortune of working harmoniously together for nearly 20 years in our own consultancy, we realized by the middle ’90s that if we were serious about undertaking our dream of sailing to tropical seas, we risked the statistics of aging and losing our strength. Our fear was finding, upon retirement, that we would be “past it.” It seemed wiser for us to risk the guaranteed “security” of a retirement in our 60s, in exchange for the relative certainty of our immediate opportunity to gamble on the adventure. Our dream had always been to travel, but family responsibilities, work ethic and conformity always prevailed. With the last of the children Malcolm and Jackie Holt in Traditional gone, we sensed freedom. Indonesian Wedding Outfits When we sailed from SidRight, Jackie’s Microlight flight ney in summer 1998, I was 56 in Cambodia and Jackie was 50. We both enjoyed selves to more adventurous good health. The previous two years goals. After closing our busihad been a steady progression; shifting responsibilities from running our ness, we sold our home, own business to one of boat readiness. along with all but our most Much of my time was spent preparing precious possessions. Our our 34-foot yacht for ocean passages accommodation reduced rather than the coastal cruising we had from a comfortable North enjoyed in the Gulf and San Juan Is- Saanich house to a compact sailboat, ready to lands since 1990. We told friends we expected to be take on whatever fate away for about 10 years, and that we awaited. To many, this only had a vague idea of where we might be seen as burn-

ing bridges because of the forfeiture of everything we had worked for; to us it was a matter of seizing our dream. Fate is what made our decision so rewarding; the events, people, places and coincidences led to our growing understanding of the larger world and ourselves. We were destined to discover how our participation in earthquake relief work, initiating the replacement of a collapsed village, would result in the most rewarding year of our lives; we repeatedly witnessed the poverty and plight of people living without dignity, sanitation, security, education and economic opportunity; we saw the aftermath of extinction and genocide. All these experiences changed our view of the world forever. Returning to Vancouver Island nine years later, we were motivated by a need to share what we witnessed with regular folk in this privileged part of the planet. Those fateful events more than outweigh what we would have achieved by delaying our decision and retiring 10 years later. Sure, we would

probably be “better off” by now. Maybe we would have paid off the mortgage, have more money in the bank, and a pile of equity, but we would be poorer for it. Most significantly, we honestly don’t think we would choose to undertake the voyage in 2008 just because of our age. And, besides, we could never have experienced those events, which now weave together as an indelible part of our life story. For us, the bird in the hand proved to be worth far more than two in the bush. Our travels resulted in visits to, and living in 25 countries, cruising about 25,000 miles and experiencing all but one of the world’s major religions. During those nine years, we witnessed the spectrum of the human condition: from the abject poverty of Laos to the dripping wealth of some of California’s finest communities and postOlympic Sydney. Interspersed with those extremes, we saw the aftermath of what the Conquistadors managed to do to the Incas, the Spaniards to the last remaining residents of Easter Island, and the British to their deported criminals. More positively, we witnessed the economic miracle of Southeast Asia, and the rate at which poverty can be combated. Sadly, we saw the extremely poignant conditions in which Cambodians are trying to rediscover their culture, economy and collective history in the aftermath of the Khmer Rouge under Pol Pot. Our archeological moments ranged from Southwest United States, Mexico, Central America, South America, Pacific islands, Australia and several Southeast Asian countries. We learned that our Eurocentric education blindly omitted the great architecture and civilizations of the non-Christian world; we encountered structures that rivaled – even exceeded – those of the Mediterranean cultures. (At a time when Europe was constructing simple Saxon structures, we discovered that Khmer temples at Angkor Wat were so richly and expertly sculptured, they made European architecture look elementary.)

As well, we saw the effect of modern economic development on tiny nations too small to participate or compete in the global economy: the island of Niue – the smallest independent country in the world midway between the Southern Cook Islands and Fiji – was losing its youth to New Zealand in search of a better future. Try to imagine driving around an island the size of Saltspring Island, only to discover that half the homes have been abandoned and have

no market value. We also saw what the power of a modern economy can achieve; Singapore is a fabulous experience: neat, organized and harmonious. Canada claims to be a multicultural nation; Singapore oozes multiculturalism. I will never forget eating lunch in a Chinese shopping centre in Singapore, sharing the table with two fully covered Muslim women, while Bing Crosby sang “White Christmas” and “Rudolph the

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Red Nosed Reindeer”; the whole interior was drizzled with decorative lights and Christmas icons just like here. Yet Singapore is only about 10 per cent Christian! We learned their maxim: go out and celebrate everyone else’s festivals too. Quite a lesson! “What were the most overwhelming lasting impressions

Debra Rees

Photo: Malcolm Holt

After thousands of miles from South America, Jackie and Malcolm enter Sidney Harbour, Australia and pass the Opera House.

of those experiences?” Even today, as Jackie and I mull over the answers, we realize the wealth of our jointly held memories and count ourselves as lucky to have shared so many: good, bad and ugly. Most often, people want to know about our worst moments: it’s as though our description of being faced with Storm Force 11 winds (about 115 km/ h) and waves higher than the mast justifies never taking the risk. Yes, a storm in the southern ocean is terrifying, but such experiences made us plumb the depths of our own courage. In an entirely different way, we were overcome by grief when we witnessed, firsthand, the total destruction caused by the 7.4 earthquake in El Salvador in January 2001. Seeing locals wandering around their streets like bewildered zombies when we were among the first people into their community as part of a relief convoy was a tear-jerking moment. Equally powerful is the lasting impression of global poverty; the inequality of our world, and the need to address factors that underlie the misery and hunger experienced by about one third of the world’s population. Most of us never manage to witness it, but it is a shattering experience to realize that for us it’s a momentary experience. It’s possible to walk away from it; whereas for others, it lasts a short lifetime. And when our recollections become too negative, we try to remember the sheer bliss of a night passage, sailing on a glinting rippled sea under a crystal clear Milky Way, leaving a trail of luminescent wake about 200 metres long. Or, the magic of a green flash at the moment the sun sets on the western horizon and counting more than 100 shooting stars during a four-hour watch. The collage is endless. We have tried to place a monetary value on our experiences, since it “cost” us the fortune that we might otherwise have made with our increased collateral and income had we never departed. On the one side of the calculation, we can total up the hard costs: the price of the boat, maintenance, our monthly cost of living, the cost of land travel when we left the boat in a marina, air fares and accommodation costs associated with visits to landmark destinations. Against that outlay we can price the alternative – those costs we would have otherwise incurred: a series of package holidays to Tikal, Machupicchu, Easter Island, Cuzco, Tahiti, Bangkok, Angkor Wat, Prambanan, and another 20 or so famous destinations, and add to that a nominal cost for overnight accommodation and food when we lived aboard our boat. And, guess what? We owe the boat a fortune. We could never have afforded all of those visits if we had paid someone else to plan it for us. Further, we had the privilege of staying for weeks, even months in those different places; we were pilgrims not vacationers, with the added pleasures of getting to know and understand different places and ...continuted on page 10

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Malcolm had visited this tortoise in the Galapagos a few days earlier. It recognized him immediately on his second visit.

Photo: Jackie Holt

cultures, and the option to spend time with local families – sharing meals in their homes or aboard our boat. Against that, we became members of the international cruising fraternity – a ﬂoating community of people who operated on the friendliest, most interdependent set of principles imaginable. So, we are able to rationalize the ﬁnances and outlays of our adventure heavily in our favour. With the boat sold in Malaysia to a young Brit who intends to continue sailing west, we now look back fondly at those years of freedom from the pristine “security” of a patio home in Courtenay, with neatly trimmed grass and regimented shrubs and a view of the Comox Glacier. Jackie is happily ensconced as the Administrator of Berwick Comox Valley, and I have “retired” to domestic life and writing. We are frequently asked if we would do things differently. Our reply is always the same: “No.” Figure out your dream, and pursue it at the earliest opportunity. Don’t wait for the perfect

moment because it will never happen. And before you think it costs a fortune, I’ll share a wonderful story about an American man living in Baños, Ecuador. He had a serious interest in orchids and undertook to hunt new species down in the Andes (they grow proliﬁcally there). After settling in this mountain paradise, he eventually narrowed his study to blossoms under two

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NOVEMBER 2008

T S A P S ’ IA R O T C I V “There are strange things done in the midnight sun By the men who moil for gold; The Arctic trails have their secret tales That would make your blood run cold; The Northern Lights have seen queer sights, But the queerest they ever did see Was that night on the marge of Lake Lebarge I cremated Sam McGee.”

obert William Service was born in England, raised in Scotland, farmed in Duncan, banked in Victoria, drifted in California, wrote in Whitehorse, married in Paris, hid in Vancouver, died in Brittany and was buried in Monte Carlo. But he’s fondly remembered for his lilting poetry from his days with the Yukon gold miners. Since he was one of 10 children, he was sent as a small boy to live with his grandfather, John Service, who was the postmaster at Kilwinning, Ayrshire, Scotland, and was raised by a house full of aunts. Eventually, his parents took him back to Glasgow where he was sent to a bad primary school and expelled from a good secondary school. His ﬁrst job as a shipping clerk was a disaster. In 1889, at the age of only 15, he started at the Commercial Bank of Scotland. Over the next few years, he read avidly and published poetry in a

VICTORIA AND THE YUKON BARD

Glasgow magazine. The more he read, the more fascinated he became with the idea of travel and was soon determined to become a cowboy in Western Canada. In 1895, at 21, he quit his job to the astonishment of his parents. His father bought him a Buffalo Bill circus outfit for the journey, including high leather boots and fringed jacket. He sailed on the Concordia to Montreal, travelled west by train, arriving finally at his destination, Vancouver Island, where he would live for most of the next nine years. He ignored Alberta and B.C.’s Cariboo Country, where he might have found what he was looking for, under the illusion that the farther west he went, the better. His first job was with a Scottish family named Colvin near Duncan, where he arrived almost destitute, having sold most of his possessions en route to make ends meet. Instead of riding the wide open spaces corralling cattle, he found himself clearing rocks, weeding turnips, making hay, milking cows, felling trees and picking apples at Major Mutter’s farm in the Cowichan Valley, where he also learned to ride a horse. Robert soon moved on. He bunked with an eccentric Welsh immigrant, a lonesome character named Hank

Evans. It was a lazy life, and Robert soon learned the trick of freeloading. His natural performing talents made him a popular entertainer with Hank’s old five-string banjo. With hours of free time at his disposal, he eagerly “devoured” (as he put it) the huge pile of old Harper’s Weekly magazines that Hank had stacked on his crude cabin floor. But money was tight so he moved back to Duncan to work on Corfield’s Dairy Farm, where he lived in a bedbug-infested bunkhouse with a crowd of other farm hands. But Hank’s tales prodded him to seek greener pastures in California. They were wild years. He drifted to San Francisco, drank in seedy bars, got into street fights and was virtually in the gutter. Desperate for money, he took a labouring job that required him to move to Los Angeles, only to find that he was a strikebreaker. That didn’t bother Robert, but the back-breaking work on a tunnel and the danger he faced to life and limb made him quit. He drifted from job to job as a dishwasher, a sandwich-board man and an orange picker. Then, an ad he had put in the paper seemed to be his answer – a resident handyman was required in a high-class establishment. Eagerly, he took the job

Add some UVic to your life! Participate in recreational learning and community events through Continuing Studies—courses still open in November and December: FREE stuff: • Movie of Movies: Citizen Kane • Free evening preview of our 2009 Travel • The Next Step in Watercolour Study tours – November 13 • Travel Photography: the Basics • Zen Meditation for Better Living • Lecture: Ecological Benefits and Costs of Saanich Peninsula Farming – November 20 • Optimal Health: Are You Living a • Ocean Tides as Energy Source? – November 21 ‘Therapeutic Lifestyle’? Want to start your own study group? Ask about our SAGE program. 12

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Learning for life.

To register, call 250-472-4747, or register online at www.continuingstudies.uvic.ca/ Watch our website —a new calendar of courses for spring 2009 will be available soon!

THE TALE OF ROBERT SERVICE BY NORMAN K. ARCHER

and moved in. It was a brothel. When he left shortly afterwards, one of the ladies gave him a guitar that a client had left behind and, thus equipped, he headed for Mexico. That visit only lasted a few miserable days and he was soon back in Los Angeles where he became a hobo. He wandered through Utah, Texas, Arizona, Nevada and Colorado, but after a near fatal railway disaster, he decided to return to Vancouver Island, having been away 18 months. He started back at Corﬁeld’s Farm, minding the pigs and, later, the cows, but another near calamity, this time with a bull, convinced him that he should try something else. He became the local store manager and mailman. He settled down to a quiet life, singing in the church choir, acting in the amateur theatre, reading avidly and soon, publishing his ballads. Anxious to improve his qualiﬁcations, he enrolled in the college in Victoria, but very soon tired of formal study. Then his great opportunity came. On his last day at college, he saw a notice for a junior clerk at the Bank of Commerce on Government Street. The building has been beautifully restored as “The Bard and Banker.” He was given the job with the extra responsibility of security guard, where he was

required to sleep on the premises with a gun under his pillow. A commotion outside one night brought him to his window, where he saw a crowd gathering on the street. Ever curious, he went down to investigate and saw that bodies were being brought up from the beach, victims of a shipwreck – a sight he would never forget. Robert prospered in Victoria. He bought a piano, a dinner jacket and was soon on society’s list. Then came promotion. With promotion came a transfer to Kamloops. A year later, he was transferred again to Whitehorse, and so, in November 1904, his fame as the Yukon Bard began. True, the short-lived Klondike gold rush was over, but it was still fresh in the minds of the people. One day, he heard a tale of a prospector who had cremated his partner. The germ of a ballad began turning in his mind until, leaﬁng through the Bank’s ledger one day, he spotted the name of a customer – Sam McGee. Perfect! Using the name of the unsuspecting gentleman, he published the ballad that, along with several others, propelled him to fame and fortune – The Cremation of Sam McGee. In due course, Robert Service, now living comfortably off his royalties, began to give vent to his hidden feelings

through his writings: he opposed the Boer War, became intrigued by Marxism, criticized the idle rich and deplored the Second World War, having seen so much suffering while serving as an ambulance driver in the First World War. He settled in France where he wrote and published several best-selling novels. At the outbreak of the Second World War, he became a wanted man by the Nazis for mocking Hitler, but managed to escape to Vancouver in 1940 with his wife, Germaine, whom he had married in Paris in 1913. They stayed in Vancouver for the rest of the war. He returned to France when peace was declared, and there he died of a heart attack in 1958 at the age of 84. His biographer, Enid Mallory, wrote, “Words were his lifelong passion... he could make them dance, shiver with cold or choke with loneliness and despair... but they danced their best on the wide white stage of the Canadian SL North.” Norman Archer is an historical city tour guide in Victoria and the author of Tales of Old Victoria. Contact him at 250-655-1594 or nka@canada.com

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e-mail: cruiseexperts@telus.net • website: www.yourcruiseexperts.com #102 - 3150 Island Hwy., Nanaimo, BC V9T 1V9

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Cadet to Ofﬁcer I

n March 1947, at 21, I received my commission as a second lieutenant in the British Royal Engineers. Training was rough – we were subject to strict discipline, harassment and our instruction had coincided with the worst winter in England’s living memory. We didn’t complain; we were alive and many of our generation were not. The war was over but the national emergency was still on, so I had not been called up for a fixed term but “at His Majesty’s pleasure.” Anything not covered in ice that winter was covered in snow. Marching was impossible and walking hazardous. We lived in uninsulated wooden huts heated by a pot-belly stove fuelled by coal, but there was no coal. At night, we froze. I was given a one-stripe cadet rank and put in charge of a group to scrounge for wood. We found a huge pole lying under the snow in the hedgerow, so I ordered the boys to, “saw it up.” Unfortunately, the Major arrived at that moment, and I lost my stripe: the pole was one of the uprights for the rugby goal posts. The fact was I didn’t recognize what the pole was. I might have got away with my mistake, for times were desperate, but I suspect the Major believed it was deliberate. The relationship between the noncommissioned officers and the cadets was well illustrated by our drill sergeant who explained that he would call us “sir,” and we were to call him “sir” and “mean it.” Now, here I was a Royal Engineer Officer, and he would be saluting me when we passed. Soldiers who would be called “privates” in the infantry were called “sappers” in the engineers, but the word can also be used in a more general sense in that I was now a sapper officer. Sappers were soldiers who carried saps, bags filled with suitable material to put on the side of zigzag trenches to protect 14

SENIOR LIVING

BY TED DEW-JONES

them from arrows as they dug towards castle walls to undermine them. A word about this renowned regiment: the first “royal” engineer was Humphrey de Tilleul who accompanied William the Conqueror on his invasion of England in 1066. He played a key role because he brought with him a prefabricated quay to facilitate disembarking, like a mulberry harbour but 900 years earlier. Since then, engineers have been involved in military affairs under various names. They played a huge role in building civilian structures throughout the old British Empire. In London, it was two sapper officers, Captain Fowke and Colonel Scott, who designed and oversaw the building of the Royal Albert Hall. Ottawa, Canada, was once named Bytown after Lt.-Col. John By. In 1832, he undertook the incredible task of building the Rideau Canal, which is 120-miles [193.1 km] long and required 47 locks, each 134-feet [40.8 m] long and 33-feet [10.1 m] wide, to accommodate the new steamships of the time. So, sappers built things up, and knocked them down, and their feats in battle are renowned. Best known, perhaps, is the building of Bailey bridges under fire. Many people know what a Bailey bridge looks like, but not many realize that each panel weighs 600 lbs [272.2 kg] and has to be carried by four men. And in a 150-foot [45.7 m] bridge with double panels, that’s 120 panels to manhandle. Sappers cannot also carry rifles, so they rely on protection from others. Twenty-five thousand sappers were killed in the Second World War. So, I now held a commission with this gallant band. What a privilege! No change in my life was as dramatic as the one from being a cadet to becom-

ing an officer. A group of us set off to London to celebrate our commissions and were given warrants for firstclass seats on the train. I had never been in first-class, so we were sitting in a carriage with many older businessmen. The following day, I was by myself walking down The Mall, the famous road that ends at Buckingham Palace. In those days, there was a great mystery about the guards at the Palace. When they present arms to salute someone, the actions of the two guards are precisely co-ordinated. They stand on either side of the huge gate, cannot see each other and seemingly have no way to communicate. To present arms, a sentry brings his rifle down and smacks the strap against the butt making a sharp clap, which can be heard all down the Mall. Everyone looked up to see who was being saluted. So did I. They were saluting me! I am sure the guards at Buckingham Palace have saluted many young officers, but I bet not many have received their first salute that way. It came more as a shock than anything, but remains a precious memory. My first posting was to a transit station in the Royal Engineer headquarters at Chatham, some miles east of London. It is housed in a building that looks like Hampton Court. We sat at a huge refectory table with fine cutlery and were waited on. A brigadier sitting next to me struck up a friendly conversation. I had my own bedroom with the bed all made up. I contemplated the uninsulated huts I had slept in two SL weeks earlier and rejoiced.

News Brief

Grandmothers Biking A Huge Success!

Senior Driver Refresher  Monterey Oak Bay Nov 5 & 12

 Build Conﬁdence Learn new rules & regs   Prepare for re-examination Compensate for age related changes 1 - 4:30 pm

08-1308 VAN SeniorsLiving .eps 10/14/08 “ WR SeniorLivingVeteran:07-0359 Roadmasters Safety Group Inc. 55 ALIVE” Refresher Course (250) 383-6041 www.roadmasters.org Developed by the Canada Safety Council

It is not without a price, that we live in a land that is free. In honour of our brave veterans -- for your service, endurance, sacrifice and wisdom that we 07-0635

all too often take for granted. We are humbled by your bravery and inspired by your love of country. With deep appreciation and respect, we thank you. 08-0424

n September’s issue, we ran a story about Victoria Grandmothers biking Vancouver Island to raise money for Grandmothers in Africa. Their ride was a great success from the wonderful weather to the fantastic participation. Grandmother groups came from communities across the Island, including Courtenay, Comox, Nanaimo and Victoria. In the end, they raised over $29,000, up from $16,500 last year, with 20 cyclists, including three men. The camaraderie was amazing, and the event was a win-win-winwin: healthy exercise, good fun, environmentally friendly and a lot of money raised for the Stephen Lewis Foundation. Congratulations to the team! SL

Remembering Our Veterans

www.amica.ca

Canadian Owned and Operated.

NOVEMBER 2008

3:26 PM

bequest is the legacy that you leave behind. It can be life-deﬁning. If music causes you to weep with joy, consider leaving a gift that encourages young musicians. Are you a passionate “foodie” with a love for home-grown organic vegetables? Perhaps, you might look for an organization that supports urban sustainable agriculture in your neighbourhood. Celebrate your life with a bequest or gift to support a cause you care deeply about. When considering a gift to a charity you want to think strategically. Making sure loved ones have been adequately looked after is paramount, but leaving a gift to a charity need not take away from family obligations. Maybe your accountant will direct you to gifting an insurance policy you no longer need, or some appreciated stock that will complicate your taxes if you cash them. Perhaps, your lawyer will have you think about setting up a Charitable Remain-

der Trust, or a Life Estate for your own personal charitable situation. The important thing is not to let technical or legal details prevent you from following your heart. There are professionals within charities, estate lawyers, ﬁnancial advisors and accountants that are knowledgeable and prepared to assist with technicalities. What matters most is making the decision to leave the world a better place by supporting the things that you care about. Everything else will fall in place. Leaving a legacy is not just for millionaires. You may not have much to give, but even small amounts gifted can have an enormous impact on an organization struggling to make ends meet. Sometimes, the act of giving or remembering a charity in your Will can uplift, support and inspire others to do the same. Celebrate a life well lived by leaving a legacy SL for future generations!

Your Gift Brightens Her Future

©AFP Teresita Chavarria

PLANNED GIVING GUIDE

Celebrating a Life Well Lived

Since 1973, the Canadian Section of Amnesty International has promoted and protected human rights at home and abroad, through ongoing campaigning, outreach and education programs. By remembering Amnesty International in your estate planning, you will be helping to build a future where the fundamental dignity of every person is respected worldwide. For information and assistance, contact: Heather Warren, Planned Giving Associate (613) 744-7667 ext. 239 hwarren@amnesty.ca www.amnesty.ca/plannedgiving 1-800-AMNESTY

Amnesty International 16

SENIOR LIVING

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The largest

Nanaimo Community Hospice Society 27 Years of Caring

Comfort Care for the dying, their caregivers And the bereaved

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Dedicated

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Help Hospice Help Others

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Advocacy For Those in Need.

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Free Programs for All Ages Counseling - Groups - Clinics - Library www.nanaimohospice.com 250-758-8857

Thank You Seniors!

The Mustard Seed Street Church & Food Bank 625 Queens Ave., Victoria BC, V8T 1L9, (250) 953-1575

The Gift of Living Well Our professional staff provides one-on-one confidential office visits for people living with epilepsy and with Parkinson’s in order to help them to: • Learn powerful ways to reduce the impact of these conditions • Make the best use of limited time with physicians • Link to quality sources of information and the latest research • Connect with others who understand the challenges These neurological disorders can take a lot away. Your support can give someone the “gift of living well”.

“Make Plans . . . Live Life”

VICTOR IA EPILEPSY AND PARKINSON’S CENTRE

813 Darwin Avenue | 250.475.6677 | www.vepc.bc.ca | help@vepc.bc.ca NOVEMBER 2008

PLANNED GIVING GUIDE

Food Bank on Vancouver Island. Complete

PLANNED GIVING GUIDE

A Renaissance of Philanthropy

ifting to charities was once the perceived responsibility of the wealthy such as high income professionals and retirees. Today, we are undergoing a transformation of who contributes to charities. Leaving a legacy is not only for the wealthy. We can all plan a legacy gift regardless of our assets or income. Legacies are sometimes referred to as planned gifts and can have a signiﬁcant contribution to a charitable organization. The greatness of planning a gift is that it enables people to match their philanthropic goals with their personal goals of providing for their heirs. What is philanthropy? It translates

into the love of humankind and is usually what motivates us to give. There are other features to consider from a ﬁnancial planning point of view that may include tax deductions and estate planning. Philanthropy is more strategic now as it is becoming common for people to plan their taxes and deaths around charitable giving. Charitable giving can help your own ﬁnancial situation, while helping others you care about. There are a number of excellent strategies to consider when you are planning to give and a professional advisor is a valuable resource that should not be ignored. Learning about the lat-

THE

G IFT OF A

L IFETIME The Greater Victoria Eldercare Foundation enhances the care, comfort and dignity of hundreds of elderly people living in long term care facilities and generally supports the care of elderly persons living in Greater Victoria. Your legacy will help us purchase medical equipment & home-like enhancements and fund research & education into the health of older persons for generations to come.

For more information, please contact us: phone: (250)370-5664 or visit : www.gvef.org 18

SENIOR LIVING

GVEF - Planned Giving Senior Living Magazine 4.625”h x 3.42”w - B&W

est tax news and charity eligibility will greatly enhance the effectiveness of your plans. An advisor can also help to make sure the charitable donation is a qualiﬁed organization. Consider the following ideas. If they resonate with you, discuss them with your ﬁnancial advisors: • Leave a gift in your will for the organization that made a difference in your life. • Consider using assets for your charitable gift. These can include cash, stocks, mutual funds, term deposits, real estate, vehicles, art, jewelry or insurance.

• Name your favourite charity as the beneﬁciary of an existing or paid-up life insurance policy. • Purchase a new life insurance policy naming your favourite charity as the beneﬁciary.

employee’s name will live on forever, and a student will obtain help with post secondary education. Charitable gifting can help your own ﬁnancial planning goals while contributing to your community. Consider your values and keep in mind that your own ﬁnancial situation can improve by SL helping others you care about.

• Ask your ﬁnancial advisor to include charitable giving as part of your plan. • Make a donation to the charity in memory of someone who dies. The family receives an acknowledgement of your gift and your gift and the deceased will be remembered. • Make a donation to a charity as a wedding, anniversary, birthday or Christmas gift. You will receive a charitable tax receipt; your gift will beneﬁt the community forever. • Honour an employee on retirement with a scholarship in their name. The

PLANNED GIVING GUIDE

• Name a charity as a beneﬁciary of your RRSP, RRIF or pension.

Need Planned Giving?

ASK IVOR

250.978.5348

ivor_ john@canaccord.com Ivor John Member CIPF

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(250) 753-6911

#114, 285 Prideaux St., Nanaimo, B.C.

Open Mon – Fri 8:30 – 4:30 www.cvims.org

We are leaders in providing services for immigrants and in promoting inclusion and respect for all peoples in our community. We are committed to the values of equity and diversity. We offer English language classes, direct settlement assistance and employment programs for immigrants. We work with the community to ensure that all those in our diverse community have equitable access to its services and opportunities.

Help us turn pain and disability into health and hope. Osteoporosis doesn’t develop in a single day, but it can change your life overnight. 1.4 million Canadians have osteoporosis. As our population ages, the number of individuals with osteoporosis will continue to rise. Over 2 million people are at risk. Help secure the future work of Osteoporosis Canada. Your planned gift – whether a bequest, a gift of life insurance or other type of gift – will ensure the long-term ﬁnancial health of Osteoporosis Canada. Your legacy will mean that we will be able to help people well into the future. If you would like more information about planned gifts to Osteoporosis Canada, please call: 1-800-463-6842 or email: info@osteoporosis.ca

�� NOVEMBER 2008

hen Norma married Joseph Lohbrunner in 1945, he owned some land at the end of Lippincott Road in Langford, B.C. The small white farmhouse sits between the forest and farmland. The tall lush forest was last logged when timber was needed to build the Empress Hotel in Victoria; the farmland is blessed with rich, deep soil. “We raised our two children here, grew our own fruit and vegetables, and hunted deer to feed the family,” says Norma. “It has been a wonderful life.” Many years ago, when times were tough, a man in a big shiny car drove down their driveway, stepped out onto their land and offered the Lohbrunners a substantial sum of money to sell. Joseph let the man know, in no uncertain terms, that the farm was not for sale, and that the land was never to be developed. “This is something we always told our children,” says Norma. “They grew up knowing that this home was worth something more than money could buy.” Norma’s vision was to protect this land from the rampant

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development she had seen in the region over the past 10 years. Since Joseph passed away in 1968, she wanted to uphold his wishes, and ﬁnd a way to ensure that it would never fall into the hands of someone who did not appreciate its value. She saw the forest as a calm sanctuary for her beloved bird community, and the farmland as a valuable food-producing resource, despite the fact that it had only been used for hay production in the past 12 years. Norma had been following the work of The Land ConPhoto: RaeM urphy.com

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“This Land is Not to be Developed!” W

wishes of tomorrow .

Make-A-Wish ® BC & Yukon is dedicated to fulfilling the wishes of children with life-threatening illnesses, to enrich the human experience with hope, strength and joy.

PLANNED GIVING GUIDE

Your gift today ensures the

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Planned giving enables individuals to make a future gift, lasting far beyond their lifetime.

Victoria Hospice provides physical, emotional and spiritual care to dying patients and their families. “Thank you so much for the grace, dignity, serenity and support for the dying and those who love them.” — Joanne Campbell Your gift to Victoria Hospice supports skilled and compassionate end-of-life care in Greater Victoria. To make a donation, please contact Victoria Hospice and Palliative Care Foundation 1510 Fort Street Stadacona Centre Victoria, BC V8S 5J2 (250) 952-5720 www.victoriahospice.org

Contact us at: Make-A-Wish BC &Yukon tel. 604 688 7944 toll-free 1 866 277 9474 bcchapter@makeawish.ca www.makeawishbc.ca

Victoria Hospice Foundation - 06 Size: 3.5"w x 4.75"h Ad Number: VHF 06138 Publication(s): Senior Living

�� By giving to the North Island College Foundation, you are helping local students reach their goals and promoting positive change in your North Island communities. To learn more about creating a legacy in honour of a loved one, establishing a student award, or including a bequest in your will, please contact us at 250-334-5000 ext. 4267, or visit our website at www.nic.bc.ca for more information.

You can help thousands of Vancouver Island children and youth in need by naming the Queen Alexandra Foundation of Children in your Will. Please call Joy Spencer-Barry, CEO, your lawyer or your ﬁnancial advisor for information about making a donation to the Foundation. Thank you from the children. Queen Alexandra Foundation for Children 2400 Arbutus Road, Victoria, BC V8V 1V7 250.721.6721 www.queenalexandra.org

�� NOVEMBER 2008 2008 NOVEMBER

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    

Photo: RaeMurphy.com

PLANNED GIVING GUIDE

servancy and wondered if there was a way to work together with the land trust to make her dream a reality. Fortunately, The Land Conservancy has a mandate to protect special places: the forest land has considerable value as an ecological reserve for birds. The farmland falls under the mandate to protect agricultural land for its food producing capabilities to ensure that future generation have access to fresh, local produce. With the encouragement and support of her granddaughter, Gwendolyn, Norma launched into the process of finding a way to protect the land for future generations. A bequest was out of the question because Norma wanted to see the land protected in her lifetime. She wanted to be a part of the planning for the future of the farm. She looked into the tax benefits of the federal Ecological Gifts program, but her income was not such that it warranted the expense of the appraisal process. “Can’t I just give The Land Conservancy title right now and be done with it?” wondered Norma. While the process was a bit more time consuming than she anticipated, Norma ended up giving the farm away using a legal agreement called a “life estate.” This means Norma will live in her home for the rest of her life, and she has given title to The Land Conservancy who assume responsibility for land taxes and maintenance of the exterior of the home. The Land Conservancy issued a tax donation receipt for the value of that life estate, which Norma used against income tax. The Land Conservancy’s Board formally agreed to protect the land in perpetuity as per Norma’s wishes. It can never be sold or mortgaged. The farm is now officially called the “Joseph Lohbrunner Wild Bird Sanctuary and Farm.” Birds in the region will always find refuge in the forest and the land

The Gift That Grows Haven Society exists today because of the generosity of individuals who envisioned a violence free world. Many have provided funding through their wills to build a magniﬁcent legacy to women, children, youths and families. If you’ve been thinking about giving to Haven Society, you can help us to change lives through bequests, charitable gift annuities, securities, trusts and a variety of other means that allow you to realize your philanthropic goals while meeting your personal ﬁnancial objectives.

(250)754-4243 Ext. 2 Haven Society P.O. Box 311 Nanaimo, BC V9R 5L3 22 22

SENIOR LIVING LIVING SENIOR

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         

  

   

Caught in the World Equity Slide?

If your RRIF or RRSP is based on mutual funds or stocks, you may be in shock. What went wrong? What’s the solution? Read “You and Your RRIF” at www.seniorlivingmag.com

(Click on ARTICLES and type “Julia Jenkins” into the Search bar.)

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Leave your mark for future generations. A planned gift to the University of Victoria can create many bright futures. Your generosity will help ensure that future generations of talented students receive a quality education. You can establish a fund in your name, or the name of a loved one, to support any university program you wish. Planned gifts are forever.

Find out how you can create a lasting legacy in your will or estate plan by contacting Natasha Benn, Planned Giving Development OďŹ&#x192;cer at 250-721-6001 or by e-mail at nbenn@uvic.ca

NOVEMBER 2008

PLANNED GIVING GUIDE

has begun to be put back into produc- really love my baking, and I’m not sure tion thanks to the efforts of three young that they are eating properly!” “I’ll miss them when the season is farmers. Ian King, Perry Mickle and Marthi- over, my life will be much quieter this nus DeWet, partners in Backyard Fresh winter.” By bringing the land back into proFarming, lease the land from The Land Conservancy and have worked hard this duction they are breathing new life into season to turn over the hayfields and to the place and at the same time fulfilling produce fresh organic vegetables. Norma’s dream. “The boys have some different ideas “I love having the boys around,” about farming than what I am used to, says Norma. “You couldn’t ask for nicbut when they pulled the first radishes er young men than these.” up, they were beautiful, red, huge and As for the ‘boys’, Ian King says: delicious. It brought tears to my eyes to “This is an exciting adventure we’re see what they had grown,” says Norma. embarked on… all over the place we’re The farming partners have the energy hearing about local food and sustainand desire to grow quality food, but able agriculture, and now we’re securcould not afford land due to high pricing nutrition for all those around us. By es. With a long-term lease in hand, they cultivating healthy, happy soil, we’ll were able to create a business plan and cultivate happy, healthy food and by dofulfil their own dream of producing lo- ing that in turn we’ll cultivate healthy, happy people.” cal fresh food. Now, Norma shares her wisdom and Norma has secured her dream of proher knowledge of the land with these tecting the family farm in the memory farmers. “It’s a lot of work with all that of her late husband Joseph Lohbrunner. SL is going on here,” says Norma. “They This land will not be developed. Senior Living Magazine - April, 2008

One Step Closer to Nature

Swan Lake Christmas Hill Nature Sanctuary

We inspire and educate your children about Nature.

For more info:

Terry Morrison, Executive Director 3873 Swan Lake Road, Victoria, B.C. V8X 3W1 phone: (250) 479-0211 fax: (250) 479-0132 website: www.swanlake.bc.ca Email: admin@swanlake.bc.ca Charity # 11920 7157 RR0001

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SENIOR LIVING LIVING SENIOR

NEED Crisis & Information Line is an independent non-profit society providing crisis line services in Greater Victoria. Your gift of time or money will help to ensure someone is always there to answer. 250-386-6328 www.needcrisis.bc.ca

Giving is the power to turn someone’s life around. Supporting Victoria Women’s Transition House means providing shelter, counselling, education and support for women in difﬁcult and unsafe relationships. Never under-estimate your own power to help. Please consider making a gift today. Contact Suzanne Dubé, Director of Development suzanned@vwth.bc.ca or 250-592-2927 ext. 14 www.transitionhouse.net

By remembering us in Sunday Sailing your Will, you will help children understand, care for, and protect RAHO_5087_TH002.indd the environment. Our future depends on them.

In our darkest hour, we all need to reach out to someone who cares.

10/21/08 9:48:57 AM

Tiah M. Workman Notary Public

HSBC Building #102-6551 Aulds. Rd. Nanaimo, BC V9T 6K2

Tel: (250) 390-7681 Fax: (250) 390-7683 e-mail: tiahw@nanaimonotary.ca

Evening and Weekend Appointments Available

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602 GORGE RD EAST VICTORIA, BC V8T 3W6 Phone (250) 385-1114 Fax (250) 361-3554 ONE IN FIVE CHILDREN IN CANADA LIVES IN A SINGLE PARENT HOME

“Your Friendly Neighborhood Law Firm”

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Robert J. Salmond

• Wills & Estates • Estate Administration • Real Estate

Housecalls for Seniors with Mobility Challenges “It’s a relief to have your affairs in order.”

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(250)477-4143

1620 Cedar Hill X Road (Just off Shelbourne St. in Victoria) Conveniently open Saturday 10am - 2pm

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NOVEMBER 2008

Photo: Jason van der Valk

ASK Goldie BY GOLDIE CARLOW, M.ED

Dear Goldie: I am writing with hope that you can guide me down the right path. A year ago, I became a widower after 45 years of happy marriage. Unfortunately, my wife suffered a chronic illness in the last two years of her life. The fact that we knew her death was imminent, however, gave us time to discuss and plan for my remaining years. She was adamant that I not spend them alone. I have met a widow in my bridge club and she had a happy marriage too, but like me is feeling lonely. We have dated for a few months and would now like to tie the knot. Some of my close friends think I am rushing things. What would you advise? –R.L.

Dear R.L.: The fact that you are seeking advice indicates you are not entirely certain about the marriage. Close friends want the best for you, so appreciate their concern. I assume you and your lady friend have discussed this matter thoroughly. If not, it would be wise to do so immediately. It is not easy for people in their senior years to change their life habits. The longer the two of you spend together before marriage, the less shock you will encounter after. You were very fortunate in having discussed this with your ﬁrst wife, which eliminates any guilt in remarriage. It seems time is the only factor

now. Spend as much time together as possible and, if all goes well, consider marriage when another year from your ﬁrst wife’s death has passed. Best of luck!

Dear Goldie: I am in my late sixties and have been a widow for five years. My life is busy doing volunteer work and adding to my education. I have many good friends and attend many social events. My problem is that I have been dating a gentleman for over a year and would like to stop the relationship but do not want to hurt him. He is a great friend, but continually hints at marriage, and I am not interested. How can I persuade him to leave things as they are? –D.C. Dear D.C.: When I receive letters like yours, my first question is, “Why is it so difficult to communicate your feelings to each other?” Perhaps it is easier to write about emotions. It sounds like you are operating on different wavelengths. It is unhealthy to continue dating with such differing expectations. You must learn to improve your communication skills so you don’t find yourself in a similar relationship again. Marriage is not always the best outcome in senior relationships. Each individual is well entrenched in a lifetime of beliefs and daily habits. Change does not occur easily. Clear discussion and keen listening will help both of you to plan for life ahead – whether together or apart. Only you can communicate what SL you truly want. SENIOR PEER COUNSELLING CENTRES Victoria 250-382-4331 Duncan 250-748-2133 Nanaimo 250-754-3331 Sidney 250-656-5537 Courtenay/Comox 250-334-9917 Salt Spring Island 250-537-4607 Port Hardy 250-949-5110

Goldie Carlow is a retired registered nurse, clinical counsellor and senior peer counselling trainer. 26

SENIOR LIVING

Car Buyers... Are you thinking about buying a new vehicle, but can’t choose from the hundreds of models available? Do you dread walking onto a sales lot, trying to negotiate the best price possible? Do you know you are getting value for your money? Motor cars have long been a passion of retired Anglican priest Michael Wimmer. Today, he uses his knowledge to help people buy vehicles that match their needs and lifestyle. For as little as $150, Michael can help you clarify your buying priorities and will recommend a vehicle that’s right for you. For a further $250, he will negotiate the purchase for you, drawing on 40 years of automotive experience. Michael works for you, not the car dealership. He loves what he is doing and sees providing satisfaction to clients as his primary goal. “Michael has a vast knowledge of automobiles and was invaluable in helping me with my purchase. I am delighted with my new car and with the services rendered by Michael Wimmer,” says Heather Roberts. Call 1-866-926-4542 or email angliaconsulting@telus.net for a free sample proposal of services Michael can offer.

The cost of a leaking toilet High volume water leaks often come from toilets. They are hard to detect and are usually caused by worn or misaligned parts. A toilet that continues to run after flushing could be wasting 20-40 litres per hour if not repaired. That’s 175,000 to 350,000 litres per year, enough water to fill a swimming pool. Did you know that a leaking toilet can cost you up to $355 per year?

Free, easy-to-use leak detector tablets are available from CRD Water Services.

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TO GIVE

BY JUDEE FONG

Working tirelessly, Dusty oversees everyone, from the hundreds of willing volunteers, corporate donors, fundraising organizations participating in Special Events to the numerous Victorians who believe in this charitable organization. Every dollar collected goes back into Santas Anonymous. “It’s a lovely balance [because] the Board of Directors and I also see the wonderful giving part to the children in need,” says Dusty. In 2008, funding and grants from Santas Anonymous included $25,000 to Queen Alexandra Hospital to help with the Comfort Room for children, who needed a “cooling off” period for behavioural disorders. Funds were provided for the Art Reach program helping children express themselves Dusty Cunningham with children at a Sooke playground built by through visual and theatre arts. DoSooke Parents with help from Santas Anonymous. nations were made to the Help Fill a n Victoria, one charitable organization merrily car- Dream Foundation and Angel Flights, whose volunteer ries the Christmas spirit throughout the year. members provide emergency flights to hospitals. Special Dusty Cunningham, the energetic CFAX Santas Events raised $35,000 to rebuild the burned down Oaklands Anonymous administrator, believes wholeheartedly in the School playground. “spirit of giving.” Explaining how she became involved in Other important fundraisers include the Victoria Model Santas Anonymous with its familiar teddy bear logo, Dusty Railway Show, Out-of-Hand Craft show, Sunday’s Snowcheerfully recalls, “I was a young widow with five children flakes Annual Fashion Show, Air Canada Jazz and the and had just completed a marketing project in the U.K.; I felt Firefighter’s Annual Merryrun. One past project provided I could do Santas Anonymous for a year.” Smiling, she adds, the funds for the Snoezellen Bus for the CNIB, with its “This is my ninth year with this wonderful organization.” padded interior and a number of “touchy-feely” items for

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York Photo: Peggy

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Victor d equipment at New playgroun nymous. d by Santas Ano te na do l o ho Sc

visually impaired children. At present, the Snoezellen Bus is used by Victor School to transport severely disabled children, who also enjoy the tactile interior. Emphasizing that Santas Anonymous is not only at Christmas, Dusty cheerfully declares, “Every day is Christmas!” For the ﬁrst time, Santas Anonymous was in the Charity Pledge Program for the Royal Victoria Marathon in October. Laughing, Dusty recalls seeing some friends from Salt Spring walking by her condo. “’Is that Dusty up there?’ [they called up] and I said ‘Yes.’ When they asked what I was up to, I told them about the marathon. My son, Andrew peeked over the balcony and told them, ‘Mom’s walking in the marathon, you know.’ And I collected $100 in pledges right there! Andrew ran the marathon and also collected pledges for Santas Anonymous.” Loving her work and enjoying the various paths her marketing skills have carried her, Dusty’s earlier endeavours included being the Ramada Inn’s Director of Sales and Marketing for seven years. Another interesting project was her involvement in the early stages of “So Nice” soy milk. “The product caught my attention because it was Canadian and used Canadian technology,” says Dusty. “To me, the ‘proof was in the pudding’ and the ‘pudding’ wasn’t on the market yet. My daughter was studying in France

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...continued on page 31 NOVEMBER 2008

E T I S WEB

100s OF ARTICLES • CURRENT MAGAZINES • BOOKSTORE • SENIOR HOUSING GUIDE • INFO ABOUT SENIOR FOCUSED BUSINESSES

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6 video episodes of delightful landscape and narration featuring BC locations, ﬁlmed by Peatmoss Media. • Williston Lake • BC E& N Railway • Whales • Saltspring • Ocean Falls • BC Cowboys If YOU have a video that our senior readers would be interested in, drop us an email with details -ofﬁce@seniorlivingmag.com

Do you get our MONTHLY READERS NEWSLETTER?

Interesting info speciﬁc to our readers, special offers from senior focused businesses, upcoming events, recipes, travel tips, contests and more.... emailed to you directly. Be the ﬁrst to know what’s new at Senior Living. Sign up today on our website.

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We now have our magazines available on our website. You will FLIP over our new technology that allows you to virtually turn the pages of your favorite senior magazine page by page, just like a regular magazine. We want to make our website more reader friendly. Email us at ofﬁce@seniorlivingmag.com and let us know what YOU would like to see on our website. Our website is in transition - check back often for changes, updates, new content...

Launching in November... Our ﬁrst “Ask the Professional” Q&A

Visit our website for answers provided by professionals to common questions. Plus, if you have additional questions, email or phone the writer for more information. FEATURED THIS MONTH: Cole and Tracy Merkley, Denturists If you would like to see a particular professional on our website, let us know... we’ll see what we can do...

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...continued from page 28 then so I was able to visit her and to attend a food show, tasting samples of other soy milk products available in Europe.” Every job has its stresses, and from September to December, Dusty’s work schedule keeps her on an adrenaline rush. “When I get really busy, I get up in the morning and go for a walk,” she says. “But if the weather isn’t very nice, I like to quietly sit, think and plan my day. If I have time in the evenings, I totally enjoy music and I love to read.” Recalling the English tradition of reading the hefty Sunday papers, Dusty says, “The thickest paper here is the Globe and Mail, which I buy on Saturday and enjoy reading on Sunday.” Sunday is also the day spent keeping up with family and friends. “I love to hear how my children are doing and it’s so easy to phone, especially if you’re on a program that lets you talk as long as you like.” Passionate about her family, friends and work, Dusty’s caring nature reﬂects her moral principle on the importance of giving rather than receiving. “My daughter, a professional harpist, was playing in Spain when her ﬁancé was tragically killed in an accident. To escape the memories, she settled in Los Angeles. I reminded her that when you’re in a strange place, make sure you volunteer some time, and she did. “She went to Cedars of Sinai Hospital to volunteer and is still volunteering three years later. She said it changed her life because she stopped feeling sorry for herself. And that’s the strong ethic I try to give to my children: that it’s more important to give than to reSL ceive.” Donations are gratefully accepted with cheques made payable to CFAX Santas Anonymous, 1420 Broad Street, Victoria, BC V8W 2B1. For more information or to volunteer, call Dusty Cunningham 250-920-4644 or e-mail santas@cfax1070.com

��

L O D G I N G , T O U R S A N D T R A N S P O R TAT I O N

1-800-208-0200

alaskatravel.com

How’s your portfolio doing? Maybe it’s time for a second opinion. Manage Your Assets ❖ Protect Your Wealth ❖ Build Your Legacy

Contact me to schedule a conﬁdential meeting or to ﬁnd out more about my upcoming presentations: ■

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Fixed Income & Capital Preservation

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Fiscal Fitness for Women

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April M. Dorey, B.Comm, FMA, FCSI Direct Line: 250 405 2429 www.aprildorey.com Securities-related products and services are offered through Raymond James Ltd., member CIPF. Financial planning and insurance products and services are offered through Raymond James Financial Planning Ltd., which is not a member CIPF. Raymond James Financial Services, Inc., Member FINRA/SIPC

NOVEMBER 2008

HOME SUPPORT SERVICES DIRECTORY A concise reference guide of services and products offered by businesses and organizations on Vancouver Island that make it easier for seniors to stay longer in their own homes.

Moving? Downsizing?

Live safely and independently in your own home www.bclifeline.com

Contact the program nearest you. Victoria Lifeline 1-888-832-6073 Eldersafe Support Services 1-866-457-8987

South Vancouver Island and Ladysmith

Nanaimo Lifeline Program (250)739-5770 or (250)947-8213 Mid Island, Cassidy to Bowser

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Comox Valley Lifeline Society 1-866-205-6160 North Island, Cowichan Valley and Chemainus/Crofton

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Victoria/Sidney/Sooke Cowichan Valley

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Where peace of mind has a home address TM

You’re Independent. We help. Providing trusted personal care, homemaking, post operation and palliative care since 1995. As members of the Better Business Bureau you can always count on ElderSafe for the highest quality professional, caring and compassionate home support.

ElderSafe Support Services Victoria 385-0444�Sidney 654-0444

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Call today for a free in-home assessment 32 SENIOR LIVING

We have qualified staff available for all your needs. Where you need us. When you need us. 24 Hrs 7 Days a Week (250) 480-1666

E-Mail: RN@a1HomeCare.ca

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McDonald’s fits my lifestyle... News Brief

A FLORAL CHRISTMAS

very other year, the Victoria Flower Arrangers Guild presents a wondrous display of their festive floral designs. This is the year! On November 14 and 15, the Christmas Floral Fantasy will return to Victoria. Enjoy an exciting culmination of the Guild’s planning and creative skills proudly displayed at the Cadboro United Church, 2625 Arbutus Road, Victoria. One of the many captivating categories is the use of dried and fresh plant material to create floral couture – wearable flowers. This includes shoes, purses and jewelry. As a preview, Guild member Joan Muir will display boots and a matching purse, all made from dried leaves. The exotic orchid and feather necklace, created by Joel Fair, is intended to complement a fabulous outfit and fits the category “Take me to the Ball!” This year’s event will highlight stunning floral designs, free workshops, display floral trends for Christmas and include seasonal dried materiSL als for sale.

Harold Crouch

Do You Enjoy: • Talking to and serving people? • Flexible hours? • Professionals with positive attitude? • Connecting socially AND getting paid? • Excellent training? “The flexible hours I work at McDonald’s allows me the time to enjoy an active family life as a father of 2, stepfather of 2, and grandfather of 3. I enjoy the relationship I have with the regular customers... they are like an extended family to me. Every day I know I am valued. ” Harold Crouch

Apply today at any of the Victoria McDonald’s Restaurants or contact the McDonald’s NOVEMBER Victoria 2008 33 Regional Office at (250) 952-3605

You and Your RRIF

BY JULIA JENKINS, EPC

f you are wondering these days what hit your RRIF, other than the scheduled withdrawals, you are not alone. If your RRIF is based on mutual funds or a stock portfolio, you may be in shock. You may be diversiﬁed among Canadian, U.S., and global investments. Did that help you reduce risk of loss from market volatility? Nope. You may have a portfolio of blue chip dividend paying shares, but even their capital value has tanked along with all equitybased investments, right? WHAT WENT WRONG? What’s the solution? Every advisor is required to know the client. When meeting with your advisor, you would have replied to a set of questions contained in a ‘Know Your Client’ form or KYC. Investment objectives: income or growth? RRIFs require income. How much annual income do you need? Is the capital base of the RRIF able to supply what you need? What other sources of income do you have? What other assets do you have? What is your risk tolerance (be truthful!)? Can you afford to lose any money in the RRIF from market inﬂuences? In particular, when an advisor recommends investments for your RRIF, he or she

Home Health Care

must make sure that the minimum schedule will be funded, and that market fluctuation will not decimate your RRIF. The duty of an advisor is to match the investments with your personal criteria. A RRIF investment imposes its own criteria that override other investment options: primarily, need for consistent income and low or no volatility arising from market fluctuation. Market fluctuation within a RRIF creates mathematically predictable traps for the investor. Example: Your RRIF value at the start of the year is $100,000. Units are valued at $10. Your personal mandatory withdrawal may be 5 per cent during the year, or $416.66 per month, or 41.66 units. Now, the unit market value drops 20 per cent to $8. How many units must you redeem to make up your mandatory minimum payment? 52. Each withdrawal locks in your 20 per cent loss, and the longer the downturn continues, the more that dynamic erodes your capital base. The last cycle began with a market peak in 2000, followed by recession in 2001. Markets recovered to the peak only in 2006. In the current cycle, after bottoming and losing units

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through withdrawals, fewer units will be left to regain value. Your losses will have compounded against you. The markets may eventually recover. Your RRIF cannot. Do the math. Another market trap: The market slides 50 per cent. The percentage of increase required to regain the starting point is 100 per cent, or double. Look at market history to ﬁnd out how long this takes. In 2000, the Toronto Stock Exchange was at 11,389 points; by 2002, it was down to 5,695. It took four more years to exceed the 2000 level. But wait! Where are we now? October 6, 2008, the TSX was down again to 10,230, roller-coastering sideways for eight years. Huh? Does this tell you and the advisors where you should not be with your RRIF, or any investment upon which you depend for income? WHAT TO DO NOW? There are solutions. But, all indicators and historical charts warn of prolonged recession ahead and slow recovery of values. Waiting it out to recover your losses while you continue to withdraw income from your RRIF is the higher risk to your capital base. Changing now to more secure marketproof investments is the lower risk, and carries the better chance of preventing further erosion. Abandoning the sinking ship of equity investments? Switching from RRSP to RRIF? Consider lower risk, well-secured interest-generating options.

3) Insurance company retirement accounts – some interesting non-equity choices here. Check websites, or call an insurance agent specializing in retirement planning. Low risk, low to medium return; some guarantees.

valuable report, advise you of defensive adjustments and walk you through your decisions.

ROLE OF THE PLANNER:

This information is not an offering to purchase or sell, and is based on research and information thought to be correct, but is not guaranteed. Investigate before you invest.

Seek out a qualiﬁed Financial Planner or Elder Planning Counsellor. He or she will be familiar with suitable RRIF investments, should provide you with a

Now that you know what went wrong, take control. Protect your ﬁnanSL cial future.

Accessible Transportation Advisory Committee

The Victoria Regional Transit Commission is inviting applications from seniors, individuals with disabilities, organizations that provide services or represent persons with disabilities and/or seniors, and family caregivers interested in serving on the Accessible Transportation Advisory Committee (ATAC). Reporting to the Victoria Regional Transit commission, ATAC provides advice to the Commission and BC Transit staff concerning accessible transportation issues on the conventional bus system and handyDART/Taxi Saver transit services. The Committee meets about four times a year to share information regarding the need for accessible transit service improvements and programs in the region.

Apply

1) Bonds, GICs, Annuities – low risk, low return. During recession, interest rates decline, causing bond values to rise with some bond market ﬂuctuation. If you hold equity mutual funds, you may be able to switch to bond funds with little cost.

To apply, send a letter outlining your interest and what skills and experience you would bring to the Committee. Letters must be received by December 1, 2008.

2) Mortgage pools – the MIC (Mortgage Investment Corporation) is a “Canadian-only” investment, usually available from issuers direct or their representatives. Interest compounds or pays your RRIF schedule. Excellent choice for RRSP, too; good security, medium return.

ATAC Committee BC Transit 520 Gorge Rd. East, PO Box 610 Victoria, BC V8W 2P3 FAX: 250-995-5639 8368

Call 250-995-5695 if you have questions.

NOVEMBER 2008

R UVE O C VAN AND ISL ON I EDIT

To Move or Not to Move?

To Move or Not to Move? A Helpful Guide for Seniors Considering Their Residential Options

A Helpful Guide for Seniors Considering Their Residential Options

To Move or Not to Move?

Published by Senior Living October 2007

ONLY

9.95

MAGAZINE

If you are a senior who has been wondering lately whether you should consider moving - either because you find the maintenance of your current home more difficult due to diminishing ability or energy, or you simply want a lifestyle that allows you more freedom and less responsibility - then this is the book that can help you ask the right questions and find the solution that is right for you. A handy reference guide for seniors and their families wrestling with the issues around whether relocation is the best option. This 128-page book provides helpful, easy to read information and suggestions to help seniors and their families understand the decisions they need to make.

Purchase this book and pick up your free copy of the Vancouver Island Housing Guide for Seniors and Senior Living magazine at any Island Pharmasave store.

Books may also be purchased at these Island locations:

• Crown Publications Inc 106 Ontario St., Victoria (250-386-4636) • Falconer Books #77 650 Terminal Av., Nanaimo (250-754-6111) • Home Instead #222 - 1595 McKenzie Ave, Victoria (250-382-6565) • Medichair Victoria 1856 Quadra St. (250-384-8000) • Medichair Nanaimo 2517 Bowen Rd. (250-756-9875) • Medichair Duncan #6, 2628 Beverly St. (250-709-9939) • Munro’s Books 1108 Gov’t. St., Victoria (250-382-2464) • Paradise Isle Senior Centre 1013 Victoria Cres., Nanaimo (250-754-9566) • Russell Books 734 Fort St., Victoria (250361-4447) • Tanner’s Books 2436 Beacon Ave., Sidney (250-656-2345) • Volume One Bookstore 149 Kenneth St., Duncan (250-748-1533)

W NEJULY 2008 VANCOUVER ISLAND

Housing Guide for Seniors

Up-to-date listings of senior housing facilities throughout Vancouver Island, including Independent/Supportive Living, Assisted Living and Complex Care. This guide is an indispensable resource to:

�� • Wheelchairs & Seating • Scooters, Walkers & Rollators �� • Vehicle Conversions & Adaptations* �� • Bathroom Safety Products �� • Porchlifts, Stairlifts & Home Elevators* • Incontinence & Wound Care • Blood Pressure & Home Diagnostic Equipment • Back Care, Supports & Braces • Aids to Daily Living � �

�� The last Thursday of every month is Senior’s Day! � �� Seniors receive a 20% discount with �� a Shoppers Optimum Card. � ��

�� 1561 Hillside Ave., Victoria �� (250)370-2984 �� *20% seniors discount does not apply to these items.

SENIOR LIVING

• seniors looking for alternative housing • seniors moving to Vancouver Island from other parts of BC or out of province • children of seniors who are assisting their parent to select a housing option • professionals who work with seniors or their families • businesses that provide services to seniors

Listings include addresses and contact information, housing costs, number of units in the housing complex, hospitality services, optional home care services, amenities and security features. Available at most libraries and senior centres. Call (250)479-4705 for a location near you. Now Available at all Island Pharmasave stores.

OR have a copy mailed direct to your home...

Please mail a cheque for $5.25 ($5 plus GST), along with your name, phone number and address, to Senior Living, 153, 1581-H Hillside Ave., Victoria BC V8T 2C1. We will mail you a copy of this resourceful housing guide upon receipt of payment.

Leaving a Legacy? Start by Updating Your Will

BY DUSTIN COOK

ithout a doubt, having a Will is an essential part of an estate plan. It ensures you leave behind the legacy you intend. In fact, your Will is likely the most important document you will ever sign. However, an astonishingly large percentage of Canadians do not have an up-to-date Will and, every year, too many die intestate. If you do not have a valid Will at your time of death, you lose the opportunity to leave your assets to the people or charities you choose. Instead, the provincial or territorial government distributes everything for you. Having a Will allows you to clearly provide instructions on how to dispose of all of your assets. Contrary to popular belief, upon death, your assets are not automatically distributed to your surviving spouse and children. Wills can be used for legacy planning and be provisioned to provide income for your surviving spouse and children. They can allow you to bequest to named individuals personal property such as family heirlooms, jewelry, artwork, antiques and create a legally binding obligation to do so. If you have a university, charity, cultural organization or church that is important to you, you can leave a lasting legacy in your Will. You can also use a Will to allow the executor of your estate to take advantage of income-splitting opportunities and tax deferral or savings strategies. A testamentary trust for a surviving spouse or other family members can be set up in a Will. In addition, trusts can be used to take care of a disabled minor or adult child. Generally, you should update your Will whenever you experience a significant life event, such as the death of a spouse, remarriage, divorce, the birth of a child or if you move to a different province. Revise your Will if you change your name or if your executor, guardian of your children or beneficiary of your estate becomes mentally incapacitated or dies. Also, update your Will if one of your beneficiaries divorces, separates or marries. Wills are often created, filed away in a safe place and never looked at again. Every three years, you should review your Will to make sure it still reflects your intentions. Remember, there is more to having a Will; you also need to ensure that your executor knows where to find it. If your Will cannot be found, you will be considered to have died without one. You can always revise or change your will as long as you are mentally competent. For minor revisions, a codicil can be drafted. For any major changes, however, it is generally advantageous to have a new Will created. Make sure you give a lot of careful thought when drafting your Will and seek the guidance of a legal professional because it may be the most important way you leave your legacy. SL Dustin Cook, MA, FMA, CIM, FCSI is an Investment Advisor and Financial Planner.

  

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   

    

      

      

     NOVEMBER 2008

Fascinating Fiji BY RICK & CHRIS MILLIKAN

iji’s splendour lures us across the international dateline. So, flying Air Pacific Sunday night, we awake on Tuesday above Nadi. Tiny islands form a gargantuan footprint below pinpointing our resort, the location where legendary Fijians first landed. Soon, settled in our thatched bure [bungalow] accommodation amid First Landing’s beachfront village, we bask in “Bula” hospitality, savour fusions of Fiji’s multicultural cuisine and enjoy nightly South Pacific entertainment. By day, we shuttle to the lush Garden of the Sleeping Giant, Nadi’s ornate Hindu temple, Fort Viseisei, a stony cannibal-era fortress, modern Viseisei village with its Methodist “Jone Weslei” Church and into nearby Lautoka, “Sugar City.” Passing sugarcane fields, its sugar mill and rum factory, we investigate the Krishna temple and large Muslim mosque downtown. At the large central market, we admire local handicrafts and the astonishing cornucopia of produce. Inside the adjacent grogshop, we find pepper roots, brewed into Fiji’s national drink, kava. Thursday, we travel Queen’s Highway to natural attractions on the Coral Coast. Passing cane fields, pine forests and villages, we glimpse a sports event. Our driver Mustafa quips, “Although there’s many religions in Fiji, the most

Chris and Rick Millikan make new friends in Fiji.

popular is Rugby!” Kula Eco Park lies in a luxuriant valley. In its entryway, Mari, the naturalist, places rare-crested iguanas upon our necks and arms, grinning, “We’re breeding some of Fiji’s endangered species here, including these guys, ground frogs and peregrine falcons. Our programs emphasize wildlife preservation.” Colourful local parrots squawk for attention while golden pigeons, which can bark like dogs, look on quietly. In walkthrough aviaries, we admire small navyblue crested Kula, once hunted by Ton-

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gans for scarlet feathers used for royal robes. Strolling elevated boardwalks, we loop under gigantic trees and over trickling streams, examining endemic flying-fox fruit bats, labelled native plants and cultural artifacts. At nearby Sigatoka Sand Dunes, we hike a one-hour loop. Stepping over tough purple-blossomed vines we sink into hot sands as we climb the dunes. We feel like Lawrence of Arabia without the camel! Stopping for a breezy rest at panoramic Clark Lookout, guide Kate explains, “Over thousands of years, Sigatoka River washed sand shoreward and the trade winds heaped it into these remarkable dunes. Today, Fiji’s first National Park, it offers 650-hectares of unique ecology, including remnants of Fiji’s earliest inhabitants.” Seemingly inhospitable, these dunes provide homes for 22 kinds of birds. Descending, we hug the shoreline before entering a mahogany forest where twisted vines create whimsical “tree huggers” and a “tree of lost soles” dangles with discarded footgear, including flippers. Planted in the 1960s, this majestic forest stabilizes evershifting dunes. Friday, we travel from secluded Natan-

dola Bay Beach Resort to Sigatoka for a Jet Boat Safari through Fiji’s “salad bowl” of thriving farmlands and pristine landscapes. Rocketing over river shallows, we arrive at a remote traditional village for a rousing visit as honoured guests. Saturday, we head for Fiji’s soft adventure capital, staying in style at the swank Pearl Resort. Rather than kayak, hike, sail, dive or zip line rapidly through rainforest canopy, we taxi to Pacific Harbor for a unique Arts Village event. Emerging onto a grassy island stage, a grass-skirted priest chants as a narrator explains how an elf taught Bequa islanders to have power over fire. Segregated from women, refusing coconuts for two weeks, four purified men join the priest, raking away burning logs. With a strong tree fern imbued with elfin spirits, they position and level the river stones. Sweet palm fronds fan away evil spirits. Straddling these blistering rocks, the priest shouts, “Vuto O!” (Ready!) They all file over across whitehot rocks believed to be insulated by elfin backs. This fiery rite climaxes with a gift of greens to the elves. Sunday, we attend a village church service. An elder escorts us to a platform bench beside the satin covered pulpit. Smiling parishioners sit cross-legged below on mats. Thumping the log Lali three times, the grey-haired minister enters and the choir begins heavenly harmonizing. During his passionate sermon, the minister inserts bits of English for our sake. A borrowed songbook allows us to hum along in Fijian; from small slips of paper, we all belt out an English hymn together. Returning westward Monday, we board the Mystique Princess for a four-day cruise past the Mamanucas, remote Monuriki where Tom Hanks starred in Castaway and around the Yasawas, Fiji’s volcanic island chain. Admiring brilliant red and gold sunsets on the Sky Deck, we sip chilled champagne then stroll downstairs for sumptuous dinners. Tenders carry us daily to deserted white sand beaches to snorkel above colourful reefs. Hiking upward through tropic greenery on our first isle, we enjoy hillside vistas returning for pleasant swims and

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...continued from page39 beachside tea. The second island-stop includes a village visit; at the last, we enjoy that beautiful Blue Lagoon romanticized in two classic movies. After frolicking upon palm-fringed sands and paddling warm, crystal waters, we feast under lantern-lit palms and sparkling stars. On Thursday, an 18-passenger plane carries us off to Fiji’s second largest island. In Savu Savu, we discover our Jean Michel Cousteau Resort evolved from Cousteau’s 1990s lectures here on sustainable oceans. Resident marine biologist Jonny educates through informative slideshows and snorkel or dive trips. Hearing about his night snorkel, we sign up. At the dock’s platform, Jonny preps everyone, providing long flashlights to us eager aquanauts. Swimming over a large cage protecting endangered species of giant clams, we learn they produce hundreds of viable offspring. We promptly spot a lionfish sticking up its striped mane of barbs, large-eyed cardinals and soldier fish and a parrotfish asleep in a mucous sleeping bag. Diving, Jonny brings up a feathered starfish. Upon release, it draws back its white feathery arms dropping torpedo-like to the bottom. After next showing us a bright red pincushion starfish, Jonny says, “Switch off your flashlights and kick like crazy.” Countless brilliant specks of bioluminescent plankton appear. Friday, many guests shuttle into town to tour the pearl farm aboard a glass bottom boat. Instead, we go to “Golden Nuggets,” one of twelve resort snorkel destinations within Savu Savu’s three-kilometre marine sanctuary. In this Soft Coral World Capital’s crystal waters, an array of rainbow fish swirl among golden leather, green cabbage, red fan and yellow spaghetti corals. Saturday, we wind over a lush mountain, through Labasa and deep into its pastoral countryside hoping to observe two phenomena. We find a chief telling us about ancestors fishing from three islands that floated back and forth to the sea. Though we never witness this legendary marvel, we do see Naag Mandir. Inside the brightly painted Snake Temple, flowers and tinsel garland a poised basalt cobra. We meet sisters minis-

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On November 15 Make your voice heard

Vote in the 2008 Civic Election

Your vote counts! For information on the 2008 City of Victoria Civic Election, including voter eligibility, voting places and a full list of candidates visit www.victoria.ca and click on Elections 2008 in the Quick Links box, or call 250.361.0549. NOVEMBER 2008

tering to its altar. Rana drizzles coconut milk and sprinkles golden turmeric powder onto their snake god. Lighting sweet-smelling incense, Radu whispers, “When my grandmother was young, it was only two-feet high. As a teenager, Naag Mandir was as tall as me. Now, look! The roof’s been raised twice.” Devotees believe their snake-god is still growing. Outside, we ascend 108 shallow steps to Shivalay. Radu told us, Hindu believers murmur Shiva’s names for each step to the prayer-gazebo, where Shiva’s likeness sits with his godly mate. Over a delectable dinner at Labasa’s historic Great Eastern Hotel, we reﬂect on our latest Bula adventures, ﬂying homeward toSL morrow brimming with Fijian wonder. Kayaking Blue Lagoon, Fiji

IF YOU GO:

• Air Pacific – www.airpacific.com • Rosie Holidays Fiji Tour Service – www.RosieFiji.com • First Landing Beach Resort & Villas – www.firstlandingfiji.com • Pearl South Pacific Resort, Spa & Championship Golf Course – www.thepearlsouthpacific.com • Kula Eco Park – www.fijiwild.com • Sigatoka River Safari – www.sigatokariver.com • Natandola Bay Resort – www.pacific-resorts.com/fiji/natadola/index • Blue Lagoon Cruises – www.bluelagooncruises.com • Jean-Michel Cousteau Fiji Islands Resort – www.fijiresort.com

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Classifieds HOME INSTEAD SENIOR CARE - Do you need a little assistance? Meal preparation, light housekeeping, laundry, shopping, errands, or respite. We also hire seniors. Call 250-382-6565. THE BETTER BUSINESS BUREAU of Vancouver Island is located at 220-1175 Cook St., Victoria BC V8V 4A1. Toll-free phone line for Up-Island 1-877826-4222 (South Island dial 250-386-6348). www. bbbvanisland.org E-mail: info@bbbvanisland.org WANTED: OLD POSTCARDS, stamp accumulations, and pre-1950 stamped envelopes. Also buying old coins, medals and badges. Please call Michael 250-652-9412 or email fenian@shaw.ca COLLECTOR SEEKING vintage/collectable cameras, binoculars and mircroscopes. Nikon, Leica, Contax, Rolleiflex, Zeiss, Canon, etc. Mike 250-383-6456 or e-mail: msymons6456@telus.net SAANICH VOLUNTEER SERVICES SEEKS DRIVERS! We need volunteer drivers to get clients to medical appointments, etc. More info at 250-5958008. RETIREMENT RESIDENCE. Exceptional two bedroom corner penthouse with fireplace vaulted ceiling in prime independent living retirement residence. 24hour staffing and services provided. Walk to Senior recreation Centre, shopping and seawalk. $279,000 Dave Hillmer Newport Realty 1-888-886-1286

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DO YOU NEED COMPANIONSHIP so you can stay in your home? Someone to help you in the house, get around town? Someone to help you with special medical needs? We provide live-in caregivers with experience from HK, UK, Paris, Israel, Italy and Taiwan. Give us a call 1 888 308 7971 or 604 602 7528 or email to employers@platinumnurses.com

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$30 for 20 words or less. $1.25 per extra word. Boxed Ad - Small (2.2 x 1.2) $95. Boxed Ad - Large (2.2 x 2.4) $180. Add Logo or color- $25 extra. Plus 5% GST. All Classiﬁed ads must be paid at time of booking. Cheque or Credit Card accepted. Ph. (250)479-4705 or toll-free 1-877-479-4705. Deadline: 15th of the month. Make cheque payable to: Senior Living, 153, 1581-H Hillside Ave.,Victoria BC V8T 2C1 VANCOUVER & LOWER MAINLAND NOVEMBER 2007

Vancouver’s 50+ Active Lifestyle Magazine

IRONMAN RUTH HEIDRICH Running Around the World

William Allister Artist. Author. Actor.

Classiﬁeds now available in our Greater Vancouver Senior Living edition. Call for details. 479-4705

WANT A CHALLENGE? Victoria’s Seniors’ Entitlement Service opens a new three-day training session for volunteer advocates this winter. Phone Clara at 250-360-1068. FOOTCARE NURSE in-home services available on Peninsula. Experienced RN; Member of SINFA (South Island Nurses Footcare Association). 250893-5595. HOUSESITTING SERVICES AVAILABLE IN NANAIMO. For peace of mind while you’re away, call Heather. Mature, experienced, excellent references. fredericks_heather@hotmail.com 250-240-6766. IMMACULATE SENIOR-FRIENDLY 1-BDRM CONDO. Only a ﬁve minute walk to the waterfront in downtown Nanaimo. Pets welcome. $167,500. fredericks_heather@hotmail.com 250-240-6766. DOUG’S TRIMMING AND PRUNING. Small jobs, free estimates. Will do pruning, trimming, and leaf blowing. Phone 250-213-5239. PERSONALS AMERICAN OR DUTCH (will explain) gentleman, single, unencumbered 50’s on; for attractive single female 60-ish. Inca/Scottish ancestry, have led rather interesting life. Cook Street R.O P.O Box 23030 Victoria V8V 4Z8.

Do you have questions about Dentures? Cole and Tracy Merkley answer your denture related questions on the Senior Living website at: www.seniorlivingmag.com LOOK FOR THE BRAND NEW

“ASK A PROFESSIONAL”

Cole and Tracy Merkley

Central Park Denture & Implant Centre Ltd #201, 1711 Cook St. Victoria, BC

(250)388-4100

“We would be honored to be your Smilestylist Team”

NOVEMBER 2008

events

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SPEAKERS AND WORKSHOPS DIABETIC SUPPORT GROUP 3rd Thursday of every month

Support and information to deal with the daily effects of diabetes. 10:30am–11:30am at the Fairﬁeld Activity Centre (1–380 Cook St.). Info at 250-384-6542.

WOMEN’S RIGHTS AND EDUCATION Nov 19

Join the Cdn Federation of University Women Victoria to hear Susan Brazilli, lawyer and social entrepreneur speak on Women’s Rights and Education at the scholarship and bursary awards lunch. $30 prepaid. 11:30am, University Club, UVic. 250-361-4652 or www.cfuw.org

FEED YOUR SPIRIT AT ABKHAZI Throughout Nov

Nov 22: English Tea & Literature Pairings – 1pm–3pm. Nov 23: Russian Tea & Literature Pairings – 1pm–3pm. Nov 29: First Nation’s Tea – 1pm–2pm. Nov 30: Victoria Sketch Club Book Launch – 1pm–3pm. Abkhazi Gardens, 1964 Fairﬁeld Road. Admission by donation – limited seating, please call to reserve, 250598-8096.

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250-598-9390. Nov 16: 5/10 km walk. Meet at Harbour Towers Hotel, 345 Quebec St. Registration 9:30am walk 10am. Contact Brenda 250-360-0861. Nov 29: 5/10 km walk (rated 2B). Meet at 5496 Croydon Place. Registration 9:30am, walk 10am. Contact Dave 250642-4515. Tuesday PM Walks – Nov 4, 11, 18 & 25: meet at Running Room, Broadmead Shopping Centre, 777 Royal Oak Dr. Registration 5:45pm, walk 6pm. Contact Gail 250-4774472. Wednesday PM Walks – Nov 5, 12, 19, & 26: Meet at Harbour Towers, 345 Quebec St. Registration 5:45pm walk 6pm. Contact Murray 250-721-3065. Monday & Thursday AM Walks – Registration 8:45am, walk 9am. Contact Rick 250-478-7020 for current schedule.

ARTS STINKING FISH STUDIO TOUR Nov 28–30

A self-guided tour of the studios of 18 artists, working in the fine arts of pottery, painting, printmaking, sculpture, mosaic, fabric, floral, jewelry, woodwork, blown glass, and metal. 10am–5pm in Metchosin and East Sooke. Maps at www. stinkingfishstudiotour.com or call 250-4742676.

VICTORIA FLOWER ARRANGERS GUILD Nov 24

OUTDOORS GARDEN CITY WANDERERS Throughout Nov

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Nov 08: 5/10 km walk (rated 1A). Meet at Fisherman’s Wharf, Dallas Road/Erie St. Registration 9:30am walk 10am. Contact Wendy

Christmas Social with food and entertainment. New members and visitors welcome. Garth Homer Centre, 813 Darwin Rd, Saanich. Call 250-652-9334.

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FAIRS AND SHOWS OUT OF HAND CRAFT FAIR Nov 20–23

For 20 years, this nationally renowned Fair has brought some of Canada’s ﬁnest artisans to Victoria. Free parking in James Bay with a shuttle bus service, afternoon tea menu and a 2for-1 price Thurs and Fri after 5pm. Wheelchair access, a mother’s room, coat/parcel check, light meals offered by the Empress hotel. Victoria Conference Centre, 720 Douglas St. www. outofhand.ca or 250-737-1788.

8TH ANNUAL ANTQIUES AND COLLECTIBLES SHOW Nov 14–15

The Pearkes Recreation Centre presents a show that will feature over 300 tables of antiques, collectibles, stamps, coins, furniture and china. Musical entertainment, fashion show, door prizes. Vintage cars on site. Nov 14: 5pm– 9pm. Nov 15: 10am–4pm. Admission $3. Info call 250-475-7124.

ANNUAL CHRISTMAS QUILT AND CRAFT SALE Nov 7–8

Unique handmade quilts of all sizes, quilted gifts, craft items, original ornaments. Free admission and parking. Wheelchair accessible. Nov 7: 3pm–8pm. Nov 8: 10am–5pm. Salvation Army Citadel, 4030 Douglas St. Visa & MasterCard accepted. Info call Peggy at 250656-5239.

Visit Senior Living’s Online Bookstore Books by Senior Authors and on Topics of Interest to Seniors NEW RELEASE IDENTITY THEFT: In Your Good Name

Published 2007. 173 pages. 8.5”x11” Softcover.

Price $26.95

To Move Or Not To Move?

A Helpful Guide for Seniors Considering Their Residential Options $9.95 44

by George Greenwood One in four Canadians has been directly affected or knows someone who has been a victim of identity theft. The best prevention is to be aware of the problem and how it is carried out.

My Patchwork Life by Patricia O’Connor $14.95

The Search For Jacqueline by Patricia O’Connor $23.95

Red Tomatoes by Les NacNeill $14.95

Gipp Forster’s Collected Ramblings by Gipp Forster $10.00

Purchase any of these items online at www.seniorlivingmag.com

SENIOR LIVING

Embrace the Journey

Nude On A Fence

The Spoils Of Angel’s War

Nature’s Bounty: Why Certain Foods Are So Good For You by Dr. Bala Naidoo $21.95

Nature’s Bounty: More About Foods For A Longer And Healthier Life by Dr. Bala Naidoo $21.95

Reﬂections, Rejections And Other Breakfast Foods

A Caregiver’s Story by Valerie Green $14.95

by Eliza Hemingway $17.95

by Dave Sheed $20.00

by Gipp Forster $14.95

GST and Shipping Costs will apply. Please allow 2 weeks for delivery

events

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events

VICTORIA BOOK & PAPER SHOW Nov 9

Look for: antique and collectible printed paper items – postcards, stamps, comics, maps, magazines, books, advertising, Victorian Christmas cards, and nautical items, menus – all for sale or trade. $3 admission. 10am–4pm in the Bodine Family Hall at the Mary Winspear Centre, 2243 Beacon Ave, Sidney. 250-652-0149.

VICTORIA TOY SHOW Nov 16

If you’d like to see, buy or sell cool old toys like: Dinky Toys, Hotwheels, Corgi Toys, Tin Toys, slot cars, GI Joe, older dolls, Steiff bears, Barbies, miniatures, comics, star wars, plastic model kits, R/C cards, LEGO, action ﬁgures and Britain’s soldiers come to the Victoria Toy Show, the biggest antique and collectible toy show in Western Canada! Admission $3. 10am–4pm at the Bodine Family Hall in the Mary Winspear Centre, 2243 Beacon Ave, Sidney. www.victoriatoyshow.com or 250-385-4292.

CHRISTMAS ANTIQUE, RETRO & COLLECTIBLES SHOW & SALE Nov 23

Over 60 enthusiastic dealers with uniquely dif-

To avoid disappointment, check ahead to make sure the event you want to attend is still happening. If you have an event listing seniors might like to know about, e-mail info to ofﬁce@seniorlivingmag.com

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events

ferent items, including lava lamps, jewelry, retro clothing, Royal Doulton, linens, books, coins and stamps and much more. 9:30am–4pm, $3 admission ($2 for early birds at 8:30am). In the Bodine Family Hall at the Mary Winspear Centre, 2243 Beacon Ave, Sidney. 250-744-1807.

MUSIC SONG WITHOUT WORDS Nov 23

The Cello’s Lyric Spell Bruce Vogt returns with renowned cellist Pamela Highbaugh-Aloni, artists-in residence at UVic’s School of Music and cellist with the Lafayette String Quarter. St. Michael’s Presents concerts are a non-proﬁt registered charity Society held at St. Michael’s, 2858 Mill St, Chemainus. 2pm. Call Eleanor at 250-748-8383 or www.smpconcerts.ca

VOLUNTEERS NEEDED VOLUNTEER TRAINING Nov 15

Fall into something great! Follow your heart by offering hope, dignity and respect, volunteer with us at the NEED Crisis & Information Line. Training starts Nov 15. Call 250-386-6328 or www.needcrisis.bc.ca

NORTH ISLAND INFRINGING DANCE FESTIVAL Nov 6–9

Crimson Coast Dance Society presents InFrinGinG Dance Festival in downtown Nanaimo at the Port Theatre, 125 Front St. Featuring

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Karen Jamieson Dance Company – Sisyphus Project. www.crimsoncoastdance.org or 250716-3230.

KIDNEY FOUNDATION LUNCH Nov 6

The Nanaimo Chapter Kidney Foundation presents a 12:15pm Lunch Meeting at the Oliver Woods Community Centre, Oliver Rd, Nanaimo. Call Marian 250-758-4561.

CHRISTMAS GIFT & CRAFT FAIR Nov 7–8

18th Annual McGirr & Randerson Ridge Christmas Gift and Craft Fair, 6pm–9pm (Nov 7) 10am–4pm (Nov 8) at Dover Bay High School in Nanaimo. Info call Sharon 250-758-9598.

NUTCRACKER Nov 5

Recovery Acres Society presents: Moscow Ballet’s Great Russian Nutcracker – Spectacular sets, beautifully costumed Russian dancers, whimsical and imaginative storytelling all blend with the richness of Russian classical dance. Tix $70, show starts at 7:30pm at the Port Theatre, 125 Front St. Nanaimo. www.porttheatre. com 250-754-4555.

ZONTA FALL TEA Nov 8

A fundraiser for Zonta projects and scholarships is to be held at Trinity Church, 6234 Spartan Road, Nanaimo. Fashion show from A-Zebra. Prizes and draws! Starts at 1pm. 250390-1805.

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721-4490

www.victoriamoves.com 14 years in operation

 Clip out for future reference! NOVEMBER 2008

SCAM ALERT BY ROSALIND SCOTT

Suspicious Slamming

eing “slammed” is the term used to describe an unauthorized change of phone service provider. Better Business Bureau (BBB) has received an influx of calls over the past weeks from consumers across B.C. finding themselves victims of an unscrupulous phone plan switch. While the tactics being used in this scam vary significantly, some common elements exist. Consumers answer their phones to find a telemarketer clearly identifying himself or herself as a representative or associate of their current service provider (i.e. a business with a familiar name). The representative states the consumer is an excellent customer and the company would like to offer him or her a great opportunity, or a new package of services. The representative confirms billing information and gets the consumer to verbally agree to a new package of services. Sometime during the next month or so, the consumer is billed for services from a company whose name he or she does not recognize and at rates that are often poor compared to the original service plan. In some instances, consumers claim their phone service provider has been changed with no notification whatsoever. The challenge with this scam is that the standard practice of a business calling a client to discuss services is being fraudulently manipulated by dishonest telemarketers who are acting on behalf of another company. Being able to discern between legitimate calls from local 46

SENIOR LIVING

service providers and rip-off artists is becoming more difficult for consumers. To protect yourself from becoming a victim of a phone or any other service provider switching scam, bear in mind the following tips: • Consumers always have the choice with whom they do business. Before agreeing to do business with any company, visit vi.bbb.org to see if the company is a BBB Accredited Business. • Take time to make informed decisions. When being solicited by phone, try not to feel pressured or rushed into accepting an offer. Collect the relevant information from the company, and tell them you will think about their offer and call them back. Hang up if you feel the sales representative is being too pushy. When you are ready, and if you are interested in the offer, contact the company’s customer service department (using the phone number on a past bill) and ask to discuss the offer further. • Unless you initiated the call, never confirm or give out personal information regarding your service accounts, or financial institutions over the phone. • To reduce the number of unwanted telemarketing calls you receive, register your home phone, cellular or residential fax number on the free National Do Not Call List (DNCL). When registering by phone or fax, calls must be made from the phone number to be registered. It will take approximately 30 days for your registration to take effect. Visit

www.LNNTE-DNCL.gc.ca or call 1866-580-DNCL (3625) to register. If you feel you have been slammed, consider taking the following actions: 1) Contact your original phone service provider immediately, explain your situation, ask them to check your file and request to be switched back to your original plan. 2) File a complaint with the company that slammed you. 3) When billed by the company that slammed you, pay only the rate you would have paid through your original phone service provider. Request a cancellation of service with your payment. 4) Consider informing the Canadian Radio Television and Telecommunications Commission (CRTC, call 1-877221-1687), PhoneBusters (the Canadian anti-fraud call centre, call 1-888-4958501), the Competition Bureau (suggest it is an anti-competitive practice, call 1-800-348-5358) and file a complaint SL with BBB. For more helpful consumer tips and alerts on current scams affecting your area, visit BBB at vi.bbb.org Rosalind Scott is the Executive Director of the Better Business Bureau of Vancouver Island. If you believe you have been the target or victim of a scam, please call the Better Business Bureau Vancouver Island at 250-386-6348 in Greater Victoria or at 1-877-826-4222 elsewhere on the Island, so others can benefit from your experience. E-mail info@vi.bbb.org

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FREE Lunch & Learn! Wednesday, November 19, 12:30 “BC TRANSIT SERVICES”* Info Session includes Taxi Server & handiDart by Susan Sowden, BC Transit Wednesday, November 26, 12:30 “HOW TO MAXIMIZE YOUR HEARING”* by Susan Andrew, Island Hearing *WARNING: Class clowns may be included! (Great fun. Reserve lunch today!)

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You’ve always been known for your generosity to your family, friends and especially to your favourite charities. As you consider the legacy you wish to leave, the desire to continue your tradition of charitable giving becomes an even more important consideration.

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(250)-727-9191 PHILIP BISSET-COVANEIRO B.Sc Economics

The Investors Group Charitable Giving Program allows you to shape and deﬁne your legacy. Whatever your interest, whatever your passion, you can make a diﬀerence.

Consultant philip.bisset-covaneiro @investorsgroup.com

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Call us to ﬁnd out how your generosity can live on. Details of the Inves tor s Group C har itable Giving P rogr am, including eligible funds , cur rent fees and expens es , a nd other r equir em ents , a r e a va il a ble upon r eques t in the P r ogr a m Guide. Dona tions under the P r ogr a m ar e ir r evocable and ves t with the S tr ategic C har itable Giving F oundation – a r egis ter ed c har itable foundation whic h is r es pons ible for m a k ing a l l inves tm ents a nd oper a tes independently fr om Inves tor s Gr oup. ™Tr a dem a r k s owned by IGM F ina nc ia l Inc . a nd l icens ed to its s ubs idia r y cor por a tions . MP 1345 (10/2007)

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hearing clinic * Locally owned and operated. * BC’s best price on hearing aids. * See an Audiologist every visit.

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250-479-2969

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Play your cards right.

Retirement Community

Call 250-478-4888

753 Station Ave • hayworth.ca

52 NEW SUITES OPENING FEB 2009 Now taking deposits. Call to arrange a tour.

Join in on your favorite games at Evergreen. Courtenay Recreation, Florence Filberg Centre Phone 250 338-1000

www.everg reenseniorsclub .org NOVEMBER 2008

Reﬂections THEN & NOW

BY GIPP FORSTER

y wife and I have been invited to host a tour (actually, a cruise) during Christmas season 2009 in Germany and Austria. It’s called “Christmas on the Danube,” and I extend an invitation to any and all who would like to join us. An informative gettogether will be held at Gateway Baptist Church on November 12 at 7 p.m. Whenever I hear the word “Danube,” however, I immediately conjure up waltzing in my mind, and I can’t waltz! I have a tough time walking any significant distance, let alone twirling around the dance ﬂoor with my lovely wife. My wife just said to replace the word “twirling” with “stumbling” so readers get a better idea of what I’m talking about. My wife is a very understanding woman, and I appreciate her help. At least I think I do. So then, how can I possibly visit Vienna and not dance, especially on the Danube? (“Not without getting wet,” my wife adds.) I’m going to ignore her help now. I’ve only been on one cruise in my life and I’ve certainly never hosted one. My wife and I went on an Alaskan cruise. “A long way to go to get fresh ice in your drink.” (I was trying a little humour there.) My wife just cried, “Try harder!”

I have to master this ignoring business. I’m not very good at it! Anyway, as I was saying, cruises aren’t big on my experience list. And hosting one, I guess you could say, is off the map for me. But invite me they did, and I’m going to do the best I know how. They say when you get married two people are made one. I’m glad my wife is co-hosting because at least one of us will know what I’m doing, and that is very comforting. I’m looking forward to being in Nuremberg because of its beauty and history. But the big thing for me will be the celebration that takes place there during the Christmas season. Its Christmas market, I am told, is breathtaking! I didn’t know until recently that Nuremberg is the toy making capital of Europe, and I’m excited about seeing it. I wonder if they will allow us to play with the toys. (Just kidding! Well, kind of...) I’m not the best traveller in the world, although I did quite a bit of it in my youth. In those days, I didn’t know what I was doing. They say “ignorance is bliss.” I’ve sure had a lot of bliss in my life! My wife is a great traveller. She

Photo: Krystle Wiseman

ON THE DANUBE

loves it and has been to many more places than me. In the past few years, she’s travelled to Scotland, Ireland, England, Wales, Africa, Wisconsin and Sooke! I went with her to Sooke. She went with her daughter to the United Kingdom – a trip they had always wanted to take. I would have gone too, but I didn’t feel I’d look too good in a kilt. Africa and Wisconsin were missionary journeys through Gateway Baptist Church. My wife is a deacon there. Going to Sooke with her was a lot of fun! That’s one of the few places you don’t need a passport. Good memories! Who knows, we may even get a chance to revisit. But now my future tells me of a Christmas on the Danube. It sounds so romantic, doesn’t it? “Christmas on the Danube.” I picture reﬂections of stars on a blueblack surface of water with soft Christmas carols playing faintly in the background. It will be grand! Not only that, I’m going to get to meet people whom I ordinarily wouldn’t have met without this trip – sharing memories and creating new ones. Waltzing, however, will not be one of them – unless I can SL do it sitting down!

DANUBE RIVER CRUISE & CHRISTMAS MARKETS DECEMBER 2009

Special Film Presentation November 12th at 7:00pm

Tour escorted by Gipp Forster Please RSVP to 250-598-5252 as space is limited **Special limited time offer available November 12th** e on el hl At rav T

Athlone Travel

SENIOR LIVING

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