Clarkson 10, Sep 2013 by City Media

CLARKSON’S

CORNERS Vol u m e 0 5 • Is s u e 03 • Fa l l 2 0 1 3

www.clarksonbia.com

IN TH IS IS S UE Salute to Small Business

Christmas in Clarkson

32 years of dining excellence 08 Stars of South Mississauga 09 Community Corner

Clear the Clutter

Museums of Mississauga

Think Pink

Savour Mississauga

Time Flies

Star Clippers

OFFICIAL NEWSPAPER

Enjoy a ghoulishly fun community event this Halloween in Clarkson Village! The Clarkson BIA will host the 19th annual Halloween Fun Fest celebration on Saturday, October 26th from 10 a.m. – 2 p.m., featuring a colouring contest, bouncies, ponies, games, magician, Creepy Crawler Express and so much more! Parents and children will have the chance to celebrate this ghoulishly delightful holiday in style by dressing up in their favourite costumes and visiting participating stores to collect Halloween goodies. Remember to bring a bag to collect your goodies as you make your way through the village and take in the fun. Participants will also have the opportunity to give back by helping the less fortunate. Please bring a non-perishable food item which can be dropped off at the corner of Clarkson Road North and Lakeshore Road West. Not to worry if you ran out of the house without your non-perishable, donations are also accepted. In return for your generosity, complete a ballot for your chance to win some fabulous gifts from the various merchants in the Village. All non-perishable food items and cash donations will go to The Compass. Events will be taking place throughout the Village, so take part – and don’t forget to stop in at your favorite stores and meet the merchants! Come out and join us – it’s all free! For more information, visit www.clarksonbia.com

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CLARKSON | LORNE PARK 1697 Lakeshore Road West CLARKSON 905-855-2200

PORT CREDIT 125 Lakeshore Road East PORT CREDIT 905-278-3500

October – A salute to small businesses It is a little known fact that October is small business month in Ontario. The Canadian government defines small businesses as companies with fewer than 100 employees (or 50 employees for a company in a service industry). There are 2.4 million small businesses in Canada and 873,000 small businesses in Ontario. Small businesses with fewer than 100 employees contribute about 30 percent to Canada’s gross domestic product and two-thirds of Canadian employees work for small businesses. Small businesses in Canada lead the way in employment and growth in this unstable economy across Canada. They lead the way in new job creation.These businesses work hard to earn an income and provide for their employees and families. Small business face daily challenges and situations that help make them leaner and more efficient. Small business owners must react quickly to changing markets and provide exceptional service to their clientele.

Clarkson’s Corners

Clarkson’s Community Newspaper Volume 05 | Issue 03 For advertising information, please contact Toby Gardiner at 416-875-1409 or by e-mail at toby@rjentertainmentpublishing.com www.rjentpub.com

Editorial Contributors: Lindsay Howe and J. Knox

The Village of Clarkson is comprised of over 250 small businesses and these businesses employ more than a thousand employees and are a contributing strongly to the local and Canadian economy. I encourage local residents to shop in the Village of Clarkson and show your support to small businesses. Together, small businesses are bigger than you think! If you would like your small business profiled in the Clarkson’s Corners please contact Toby Gardiner at the email address below.

Toby Gardiner | Publisher toby@rjentertainmentpublishing.com

Follow us on Twitter @RJentpub and like us on Facebook @RJEntertainmentPublishing. Read all our publications on-line @ www.rjentpub.com Clarkson’s Corners is printed on 100% recycled fibre. Please recycle.

www.rjentpub.com

ALZHEIMER’S COFFEE BREAK October 9th • 2 -4pm Drop in for coffee, tea and sweet treats in support of the Alzheimer Society of Peel.

LET’S DANCE! October 30th • 6:30-8pm Enjoy light refreshments and an entertaining display of dancing! Call Lisa to RSVP

Mary lost sleep worrying how her mom was managing alone… Mom is now living at a Chartwell retirement residence and they are both sleeping better. More than ever, we’re balancing a variety of responsibilities including caring for our aging parents. When we can’t be there or distance separates us, we may begin worrying that they are not eating well enough, taking their medication regularly or remembering to lock the door while alone.

Chartwell retirement residences provide the safety and security your parent needs with the services and activities they want. At the same time, you’ll know that help is only a call away. If the time has come to start considering the options best suited to your situation, we can help.

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To learn more, visit www.chartwell.com

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Alzheimer Society Supported at Walden Circle

Enjoy Christmas in Clarkson this holiday season

By J.Knox

On November 28th from 7 to 9 pm join in for the 5th annual Christmas in Clarkson sponsored by local businesses in the Clarkson Village. Gather around the Christmas tree at 1880 Lakeshore Road West at Chartwell Baptist Church for the heart-warming evening.

On September 12, staff at Walden Circle Retirement Community hosted a cheque presentation and networking event in support of the Alzheimer’s Society of Peel Region. Along with the Alzheimer Society, V.I.P.’s invited to the wine and cheese networking social included financial planners, realtors and professionals from local businesses whose primary function is to assist our senior population and their families in home and health care.

Christmas in Clarkson is a perfect way to kick off the holiday season and gets everyone into the holiday spirit.

Funds for the cheque that was presented to the Alzheimer Society were raised during the month of June (Seniors Month) as Clarkson community members and residents of Walden Circle participated in various fundraising events held by staff at Walden Circle. The events included a Rib Fest, a luncheon and a special Dinner and a Movie Night. The total amount of funds raised during these events was $500, which Walden Circle Retirement Residence matched. Sara Garrigan, Walden Circle Marketing Manager, says that all the funds raised will go towards the Alzheimer Society of Peel’s day programs for seniors and to outpatient resources for families who are learning to cope with the disease. Some of the regular programs at Walden Circle designed specifically for residents with memory impairment include bingo, art class, brainteasers and social and spiritual programs.

Enjoy hot chocolate, cookies and sing-along with the all the Christmas carols. Take in the Baker Street Victorian Carolers, A Choir Yule Love, St. Brides Choir, Chartwell, Student Band and so much more. Children can visit the petting zoo and climb a real fire truck. The highlight of the evening is the lighting of the beautiful 56’ living tree. Santa loves Clarkson and is sure to make a visit. Take the opportunity to give back to the less fortunate and please bring a nonperishable food item for The Compass Foodbank.

In Ontario there are approximately 181,000 people with dementia and that number is expected to grow to 255,000 by the year 2020. Alzheimer Society Peel served 26,000 people last year alone, which was a 62% increase from 2011. As the first wave of Baby Boomers reach retirement and diagnostic tools improve, along with the rate of people moving into Peel, further increase in people with the disease can be expected. Catherine Jagdeo, Volunteer and Fund Development Coordinator for Alzheimer Society Peel, says that they rely heavily on community partners to help with programs and services. “The funding we receive through the ministry of health and long-term care only goes so far. The donations that we receive through the community, through individuals and through our corporate partners such as this (Walden Circle) really helps to augment what we receive and helps us to further develop our programs to better serve our clients.” says Catherine.

Michael’s Back Door celebrates 32 years of dining excellence In October 1981, Michael Morra opened his restaurant for the first time, offering guests a menu consisting of fine Continental Italian fare paired with an outstanding wine selection. A Clarkson landmark was born.

Proceeds from the event, which garnered $6200, were donated to the Ian Anderson House. Ian Anderson House is Ontario’s first in-resident cancer hospice. They offer, without charge quality end-of-life palliative care in a home-like setting to individuals diagnosed with terminal cancer and a limited life expectancy.

Every October, Michael’s Back Door, located at 1715 Lakeshore Road West, observes the anniversary of the year it was founded, and as a gift to the many loyal customers who have made the restaurant the success it is today, Morra, his partners and staff hold a celebration that lasts the entire month.

For reservations call Michael’s Back Door at 905‑822‑5751 or visit www.michaels‑ backdoor.com.

This October is no exception. In recognition of its 32nd year of serving guests outstanding food coupled with the superlative service they’ve come to expect, Executive Chef and partner Stephan Waespi has created a special prix fixe menu reflecting the restaurant’s reputation for providing the freshest food items at affordable prices. From October 1 through 31, patrons can enjoy a delicious meal, including an appetizer, entrée and dessert for just $32. “After 32 years, our continued success is a testament to the loyalty of our customers,” explains partner Michael Morra Jr. who, along with Chef Waespi, Michael Morra Sr. ensure the restaurant operates like a well‑oiled machine. “With so many dining options to choose from, it’s an enormous compliment that guests keep coming back to Michael’s Back Door.” In September, regular customers, friends and family members were invited to the Michael’s Back Door 29th Annual Golf Tournament, held at Lionhead Golf and Country Club. The weather was superb, the company was great and so were the memories. Afterwards, the party ended up back at the restaurant for a great dinner.

L-R: Chef Stephan, Michael Sr., Matthew and Michael Jr.

Charles Sousa, MPP Mississauga South Our office is here for you. We’re open Monday to Friday from 9 am to 5 pm.

Constituency Office: 120 Lakeshore Road West, Unit 1 & 2 Mississauga, Ontario L5H 1E8 T: 905-274-8228 | F: 905-274-8552 csousa.mpp.co@liberal.ola.org www.charlessousa.ca 8

The 2013 Stars of South Mississauga Business Awards By: Lindsay Howe

www.clarksonbia.com

October is small business month in Canada. Small business owners and entrepreneurs are encouraged to take this time to develop their business ideas and look for innovative and exciting ways to grow and improve their business. To honour small business month business owners across Clarkson look forward to the events celebrating their success. The biggest celebration happening in south Mississauga this month is the 2013 Stars of South Mississauga Business awards. Mississauga South’s MPP Charles Sousa, in collaboration with the Clarkson Village BIA and the Port Credit BIA will present the Stars of Mississauga South Awards on Wednesday, October 16th. This year the event will take place at the Lakeshore Convention Centre on Southdown Road. The Stars of Mississauga South Business Awards recognizes small businesses that are unique in the area; businesses that make our community a more vibrant place to live. The purpose of the ceremony is to commend the outstanding commitment of businesses in the area. Hon. Charles Sousa, MPP of Mississauga South states, “Small businesses are the backbone of our thriving villages. It’s a great honour to be able to partner with the BIAs in recognizing those who work hard every day to grow our community and our local economy.” Members of the public were encouraged to nominate award-worthy local small businesses and submit their nominations through MPP Charles Sousa’s constituency office. A judging panel with representatives from the Mississauga Business Enterprise Centre, the Mississauga Board of Trade and the Ontario Business Improvement Area Association make the final selection of the “Stars”. Winners are selected from the following categories: Go Green Excellence, Community Impact Excellence, Service Excellence, Hospitality Excellence, Rising Star, and Networking Excellence. This year two new categories have been added: Business Person of the Year and Home Based Business Excellence. The nominations for the 2013 Stars of South Mississauga Business Awards are on page 5 of this edition of the Clarkson’s Corners. The Clarkson BIA congratulates all the fabulous businesses nominated for the 2013 Stars of Mississauga South Business Awards. Their commitment and dedication make our community shine, and contributes to making Clarkson a more vibrant place to life.

COMMUNITY CORNER Holcim volunteers Holcim (Canada) Inc., located minutes from the Clarkson Village, recently volunteered with City of Mississauga staff painting several small murals at the Clarkson Community Centre Skate Park in support of the City’s mural campaign. Holcim’s “Together for Communities” initiative encourages their employees to volunteer their time and talent to make a difference in their community.

Relay For Life Celebrate the Relay for Life with your four-legged friends on Saturday, October 26, 2013 from noon to 3 pm. Activities and exercise will take place at J.C. Saddington Park, 53 Lake Street. Registration is $15 per dog and can be done at cancer.ca/BarkMississauga. Participants will receive a doggie bandana and swag bag. Call 905-608-8411 ext. 3827 or email jtremaine@ontario.cancer.ca for more information. Lorne Park Library presents: Explore your universe: an introduction to astronomy and the night sky with Randy Attwood, President Earthshine Astronomy & Space Science Organization. The exploration of the solar system and beyond using robotic probes and large telescopes has resulted in some unique discoveries including the potential for life on Mars, Earth-like planets orbiting nearby stars, and views of galaxies first formed after the Big Bang. The event will take place on October 10, 2013 from 7 – 8:30 pm and is a free, informal presentation for ages 8 and up. Telescopes will be set up to view the moon and other objects of interest. Phone 905 615-4845 to register. Lorne Park Library is located at 1474 Truscott Dr. 2013 Lakeshore Art Trail Lakeshore Art Trail holds its 14th annual free self-guided Art Show & Sale studio tour in Mississauga the weekend of October 19th and 20th from 10 am to 5 pm both days. The Art Trail runs between Port Credit & Clarkson and features 27 local artists exhibiting original artwork at 15 locations including individual studios & homes, churches and Lorne Park and Port Credit Libraries. There will be a free prize draw at each site. For more information including an Art Trail map visit the website at www.lakeshorearttrail.com or contact Carole Woodward at 905-823-3010 or email cgwoodward@rogers.com. Social Media Keep connected with the goings on in Clarkson Village, the oldest Village in Mississauga! Visit them on the web at www.clarksonbia.com. Follow them on twitter @ClarksonBia and like them on Facebook at Clarkson BIA.

R3 Evolution Fitness Studio

Come…clear the clutter!

By Crystal Mallari

By Laura Lucas and Peggy Forde www.clarksonbia.com

R3 Evolution is a “boutique style” fitness and wellness studio that offers “one-of-a-kind” group exercise classes, a modern training facility featuring world-class group personal training sessions, and a functional rental space for dance rehearsals, seminars, workshops and certification programs.

Ah the beautiful noisy confusion of life! With the news of poverty, crime and natural disasters available almost as they happen, sometimes it gets a bit much. How to escape from this daily clutter? There is a place in Clarkson called Christ Church where, even for just an hour a week, one can clear the clutter; seek spiritual refreshment and come away with new energy and purpose. It is a faith community where friendships grow along with opportunities for service to those in need. It is a place where all ages can learn about the love of God in a safe, nurturing space.

We are a “one-stop shop” of fitness facilities, since all class passes and memberships automatically include group personal training sessions with a certified Personal Trainer Specialist. Unique services such as life coaching and nutrition coaching will also be available at R3 Evolution.

The Clarkson community is quite familiar with the church building as many come seeking bargains at our annual “Spring Thing” garage sale, attend a music concert, or participate in Scouting. The building is teeming with activity all week, morning to night!

In addition to fitness classes and small group training sessions, our training facility will offer: Latin Dance lessons, Kids Karate classes, Mediation groups, and monthly workshops featuring Fitness Professionals and Wellness Experts. It is our goal to consistently uphold excellent customer service, and to create a strong community feeling amongst our members. Conveniently located on 3065 Ridgeway Drive in Mississauga, a wide variety of classes ranging from BellyFit to Boxing will be available at various times throughout the day to suit your busy schedule.

New to Christ Church is Mark Chown, our Minister of Children, Youth and Families. Mark holds a BA in Philosophy and Religious Studies and most recently worked with the Whitby Christian Assembly as pastoral support staff. He jumped right into his role this summer, helping to lead our July summer Band Camp which culminated in a fabulous wrap-up concert. He was also instrumental with our Vacation Bible School in August involving 165 children and collaboration from 5 local churches. It was a resounding success.

Master Trainers and Fitness Instructors will have the opportunity to rent the R3 Evolution facility to train, coach, and instruct trainers and the general public alike to become certified in various fitness disciplines. The studio will consistently uphold a high standard of training through its innovative training methods, classes and trendy equipment.

Sunday school is available during the 9:02 Express worship service for ages 4-12, and keep an eye out for upcoming youth and family events throughout the Fall.

Evolution’s management team is composed of skilled, intelligent and enthusiastic individuals. We are excited to serve you and to inspire you to become the BEST version of YOURSELF!

In September, we celebrated the start of a “new year” at our annual Chicken BBQ; a great reconnecting with friends after summer holidays with good food and fellowship.

Renew, Refresh, Restore your mind, body & spirit at R3 Evolution. R3 Evolution will be opening November 2013. For more information, please contact Crystal Mallari at 416-877-0361.

November will see the return of our Christmas Fair for those who like “shop local.” The annual event will offer locally made jewelry, note cards, chocolates, home décor, knitted items, stained glass, accessories, hand bags, preserves and baked goods. There will even be items for your favourite pet! The auditorium filled with over 15 vendors and hundreds of shoppers seeking that special gift for that special someone. It’s Saturday, November 16th - doors open at 9:30 a.m. Music is also a big part of who we are at Christ Church. In addition to our 9:02 Express Band and the 10:30 worship Chancel Choir; we enjoy a 4-octave handbell choir and a chime choir. Guest musicians often enhance our worship for special times such as Christmas and Easter. We are actively preparing for a unique musical event in early 2013 featuring Local Soprano Gillian Grossman and other gifted musicians in a concert to help raise funds for our music programs. Stay tuned for more information on the date. There is truly something for everyone – from those seeking spiritual uplifting, to mu‑ sic and programs for children. Stop by any Sunday to either of our services. You will be most welcome.

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Museums of Mississauga Cooking For Edwardian Christmas – Benares Historic House November 23 18 yrs. and up Gather your friends and help host an Edwardian Christmas dinner. You will have a hands-on experience from appetizer to dessert inspired by Mrs. Patmore. Stroll through the historic house as the roast cooks to perfection and enjoy dinner around the Christmas table as a grande finale.

Museums of Mississauga are where ‘history comes to life’ through engaging programs and the responsible stewardship of our heritage collections and sites. The Museums of Mississauga shed light on the past at the Bradley Museum, restored to reflect daily life in the 1830s, and at Benares Historic House which captures life in Mississauga in the early twentieth century.

Events & Activities

Pre-registered Programs

The Museums offer a variety of pre-registered special interest programs for children and adults. Many have seasonal themes and craft components. Check here often to see what’s new, and what to do!

Christmas Anticipation & Celebration – Bradley House December 7 7 to 12 yrs. Children anticipate the arrival of the Christmas season in the 1830s as they explore the historic Bradley House. Preparations for the holidays include baking gingerbread cookies and warming apple cider over the open hearth, as well as creating a tin punch ornament and corn husk angel.

All Program Registrations

Upcoming Special Events

Throughout the year, the Museums of Mississauga offer fun family-oriented special events!

To pre-register for any of the following programs, please contact the Customer Service Centre at 905-615-4100, ext. 3 or click on the register button beside the program and register online at Connect2Rec

Reservations are required and can be made by calling the Museums, Monday to Friday 8:30 a.m. to 4:30 p.m. at 905-615-4860, ext. 2110. Inquiries can be made via email at museums.mississauga@mississauga.ca. Please note payment is required at time of booking to reserve your spot.

Benares Historic House is located at 1507 Clarkson Road North and the Bradley House is located at 1620 Orr Road.

“Downton Abbey” Tea & Tour at Benares Historic House October 6, November 10 & December 1 Time: 12 to 2 p.m. or 3 to 5 p.m. Reservations are required Are you a fan of the popular British PBS series “Downton Abbey” featuring the Crawleys? Did you know Mississauga has a home of the same era with a family who has many things in common with the residents of Downton Abbey? The Museums of Mississauga are hosting themed Tea and Tour afternoons at Benares Historic House which has been restored to reflect daily life in 1918. Join us and discover the “upstairs and downstairs” stories of the Harris and Sayers families and their domestic staff. Tour the house with guides who will highlight the lives of the Harris family during the war years and share personal details that will bring to mind their counterparts in England. The second half of the afternoon will be spent enjoying traditional warm scones with a pot of tea and lots of time to discuss the love interests of the Crawley women and the goings-on below stairs. Feel free to get in the spirit of the day and wear your best hat and gloves, historic or contemporary! Your guides will be dressed in period attire. $15.00 (plus tax)

Halloween Thrills and Chills – Benares Historic House October 19 & 26 7 to 12 yrs. Dress up and be a guest at Dora and Geoffrey Harris’ Halloween party. Play games, discover your fortune, share a story and prepare an apple treat as you venture through the historic house.

Afternoon Tea October 20, November 24 & December 15 Time: 2:30 to 4:30 p.m. Gift Certificates are also available for purchase Come and spend an afternoon. Enjoying a tour of the Bradley Museum followed by a traditional afternoon tea in our cozy log cabin. $15.00 (plus tax)

P WO

CHRIST CHURCH UNITED CHURCH 1700 Mazo Crescent, Clarkson 905-822-9834 www.christchurch-ucc.com

Every Sunday Christ Church offers two unique worship opportunities: “The 9:02 Express” Contemporary Worship with a rock band & church school for ages 4-12. 10:30am Traditional worship with chancel choir, nursery service & a familiar United Church style.

SPECIAL FALL MUSIC

November 10th & 17th. 10:30am Worship featuring Chime & Handbell Choirs

SPECIAL WORSHIP

October 6th. Worldwide Communion October 13th Thanksgiving Celebration November 24th “Singing our Faith” Guest music leader Dr Nancy Hardy

CHRISTMAS CRAFT FAIR

November 16th. Our 4th annual event featuring talented local vendors. Shop for that special someone from 9:30am - 2:00pm

CHILDREN’S ADVENT DAY Dec 7th 10:30am—2pm.

ADVENT POTLUCK SUPPER

December 1st. Good food & fellowship for the entire family starting at 5:30pm

Think Pink this October! By Michelle Gardiner

October, a month normally associated with black and orange, has taken on a new hue! Breast Cancer Awareness month is an internationally recognised event that is organised every October to increase awareness of breast cancer and to raise funds for research into its cause, prevention, diagnosis, treatment and ultimately in hopes of finding a cure! You may even catch some NFL linebackers donning some Pink gear in support this month. October has always been my favorite month of the year, and since being diagnosed with stage 2 breast cancer at the age of 34, it has become that much more special. My pumpkins are now painted pink, and instead of pulling out the cosy brown fall sweaters I get out all my pink hoodies. In 2013 Breast Cancer continues to be the most common cancer in Canadian women over the age of 20. In 2013 there will be 62 women diagnosed daily, 434 women diagnosed weekly and 22,700 diagnosed this year. While research into prevention continues to move forward we are still losing strong vibrant women, sisters, mother, aunts and friends to this terrible disease. As a women it is so important that we are aware of our bodies, and I want women and men to know that if they sense something is just not right please have it looked at closely and, if needed, demand further investigation of that â&#x20AC;&#x153;probably nothingâ&#x20AC;? bump; I wish I had. Make sure you make breast self-exams a regular routine, and guys, this applies to you too. Cancer does not discriminate, it does not care if you are rich, poor, tall, short, a man or a women. Unfortunately most people know someone who has been affected by this terrible disease, so for October I encourage you to do your part, paint your pumpkins pink to show your support, hold a pink bake sale or visit www.cbcf.org for other fun ideas. This year, I have lost 2 great friends to this disease; I dedicate this to Michelle and Corrine with hope that One day we will find a cure, together we can make it happen in our life time. Thank you to Toby and Colette Gardiner my brother and sister in-law for asking me to write this article and continue the fight. For more information on breast cancer or how you can help you can go to www. cbcf.org.

#1107 14

Savour Mississauga – A Culinary Celebration www.clarksonbia.com

city from shopping malls, to arts and culture, to entertainment, to hotels. Savour Mississauga supports local tourism with a strong focus on EAT-PLAY-SHOP-STAY. Visitors can explore the diversity available across the city while spending money and contributing to our local economic development. Savour The Meals…Savour The Deals!

Welcome to Savour Mississauga Restaurant Week - October 21st to November 3rd, 2013. It’s time to warm up your tastebuds! Restaurant Week in Mississauga is officially here! The inaugural Savour Mississauga Restaurant Week event will make its debut October 21st and will run until November 3rd, 2013. Explore Mississauga’s finest restaurants serving up delicious three-course prefixe dinners for only $20, $25, or $35 per person, and lunch at select restaurants for only $15 or $20 per person. Reservations are strongly recommended and can be made by calling the restaurants directly.

If you would like to add and feature your restaurant establishment to Savour Missis‑ sauga Restaurant Week, contact info@savourmississauga.com.It’s time to Savour new flavours, and support your local dining establishments.

Savour Mississauga is dedicated to shining the spotlight on Mississauga’s culinary diversity through its wide range of fabulous dining restaurant choices. The Program provides steady business during a typically slower period, infinite exposure to all of Mississauga’s residents, and most notably, a tremendous opportunity to acquire new, loyal clients to their establishment. It is also a great opportunity for restaurants to showcase the quality, variety and hospitality of the City’s restaurant community. For consumers, it is a great way to try out new restaurants that may usually appear to be “out of budget” or continue to simply enjoy familiar favourites. Participating restaurants and their pre fixed menus are all available at www.Savour Mississauga.com Visitors can search all of the tasty dishes based on cuisine, location and price points, plus you can also view individual restaurant profiles and learn more about the various dining destinations. SavourMississauga.Com provides a visual avenue for restaurants to communicate specials, menus, photographs, chef profiles and so much more for hungry eaters. Additionally, Savour Mississauga is much more than just a dining event. It’s an opportunity to also showcase all the wonderful local businesses in the

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Do you need Extra Insurance when purchasing a condo? By Theresa Baird, Keller Williams Realty Solutions Are in the market now or planning to purchase a condo in the near future? Did you know that you will still need to buy household /content insurance? Many of today’s buyers believe you don’t need household or content insurance, because they pay a monthly condo fee. Most condo fees include common element and building insurance. Although the condominium corporation must carry insurance on the building, it does not cover everything and usually there are deductibles involved. During a recent listing I asked the seller what happened with the ceiling in the living room. They answered that the unit above had a dishwasher leak and it ran through the ceiling and affected their unit. Who pays for that repair? Most people think it’s the condominium’s responsibility but it maybe your responsibility if you owned the unit above my client and not that of the condominium insurance policy. Even if the condominium policy pays for part of the loss, you will likely be responsible for the deductible. A building insurance policy typically will cover common areas, such as the structure, lobby and elevators, but does not cover an owner’s personal belongings. Nor does it cover any improvements that you have made to your unit or if you damage someone else’s unit or property or someone gets hurt while visiting your unit. Upgrades can include hardwood floor, ceramic tiles, carpets, cabinetry, appliances, counters and perhaps a sound system that you installed in your unit. The good news is that you can buy insurance to protect yourself from this type of liability. You want to review the status certificate, rules of the condo and totally understand what is and what is not covered before you purchase. Talk to your Realtor, your insurance company and your lawyer to be sure to review all of these issues. Ask if any content coverage includes the items that are stored in your condominium locker for safekeeping. If your locker is owned as a separate unit, you must disclose this to your insurer to ensure that you are properly protected as well.There is also insurance protection available in some instances when there are claims against the corporation insurance policy for damages to the common elements or lawsuits against the corporation. If there is not enough insurance to pay for the loss or the insurance deductible, special assessments are levied against each of the unit owners to pay for it. You can buy insurance to protect you against these types of special assessments.

Advice For A Fee

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Unit owners are also generally responsible for any repairs and maintenance for anything in the unit itself. For this reason, it is generally advisable to have a condominium inspected by a home inspector to look at the plumbing, HVAC or other systems that may be the unit owner’s responsibility to maintain and repair, should a breakdown occur.

Increase your income through intelligent financial planning decisions.

If you are buying a townhouse, then generally you will be more responsible for anything that occurs inside your home, so ensure that it is properly inspected before you buy and that you have your own sufficient insurance coverage over items that may not be covered by your condominium policy, such as flooding or sewage backup. Many homeowners in Mississauga recently experienced great loss from our summer flash flood. Protect yourself now to be sure this doesn’t happen to you. When you are buying your next condominium, do your research in advance. Speak to the management company and if necessary, the insurance company that insures the building to make sure you understand what is covered and what isn’t. Find out the amount of any deductible. Do an inventory of all of your personal belongings, such as furniture, jewellery, artwork and clothing, so that you can buy sufficient replacement cost insurance if anything happens.

Gratifying Harvest is a dynamic withdrawal strategy Total wealth framework before Asset Allocation We encourage guaranteed income products We design for the retirement liability Tax‐efficient portfolios

By purchasing the right kind and amount of insurance before you move into your condo, you will avoid unwanted surprises or assessments if something happens later. For further information on this or any other question contact Theresa Baird, Broker with Keller Williams Realty Solutions at 647-298-0997 or visit www.tbaird.com. Article resources include info from Mark Weisleder and The Toronto Star.

My how time flies By Marion Klinnert

www.clarksonbia.com

It’s October again! And what a shame that we only once a year celebrate Breast Health, when it should be a daily occurrence.

The Mayo Clinic defines brachytherapy as a targeted cancer treatment in which radioactive pellets or seeds are placed in the body. It’s proven to deliver a high dose of radiation to malignant tissue (thus increasing the likelihood cancer doesn’t return). It’s also less likely to harm healthy tissue. Dr. Jean-Philippe Pignol at Toronto’s Sunnybrook Hospital has adapted the technique for breast cancer. The doctor has treated more than a 100 patients, and the recurrence of cancer is about 1 or 2 percent.

We at Private Moments Lingerie and Ladies Wear celebrate good health every day. After being in the ladies wear business for 28 years I have gotten close to many of my customers. Losing someone because they have moved or even because we haven’t been able to please them completely is one thing but to lose them to an illness that could be prevented is heartbreaking. Most diseases these days ARE preventable…good diet and plenty of exercise, regular trips to the dentist (poor oral health can lead to other maladies) and yearly trips to your family doctor can keep disease at bay.

Brachytherapy is most effective in women with grade 1 or 2 breast cancer that hasn’t yet reached the lymph nodes. In the one hour procedure approximately 50 to 100 seeds are implanted near the cancer site with fine needles. The seeds then deliver radiation inside the body for two months. That’s it! They don’t even need to be removed. Brilliant! But maybe not for everyone. Should you need more info about brachytherapy simply find out at bccancerfoundation. com/HDRbrachytherapy.

Early detection is the best way to survive any malady. I understand that fear and arrogance can stand in the way of early detection, of anything. But living a long, productive life is what I think we are here for. In 2001 I became a certified Mastectomy Fitter. Very rewarding work which I wish I didn’t have to do. I see many women prior to surgery since I sell post surgery garments that make recovery after a mastectomy easier. Then six to eight weeks after surgery and their wound site has healed sufficiently a silicone breast prosthesis and bra can help women outwardly look and feel like they did prior to surgery.

But the more informed we are, the more questions we can ask of our health care providers and help take charge of what is happening to us. My motto for years has been, don’t get angry-take action and this really applies to cancer and your own personal treatment.

Many oncologists are sending patients for radiation and for that procedure we now carry a cream specifically developed to aid the healing process from radiation irritation. But since I am in this industry I am always reading up on the latest developments in breast care.

Let’s not take this disease lying down! Please during the month of October if you are asked to donate funds for research please give generously…and should anyone you know need my services please do not hesitate to pass on my information.

The last one to cross my path was a procedure known as “Brachytherapy”. Brachy is a Greek word meaning short.

Private Moments Lingerie and Ladies Wear is located 259 Lakeshore Rd. East. In Port Credit. Call 905-278-8055.

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Value For Money Investing and primarily risk capacity. The only way to establish risk capacity is through a thorough examination of your total financial picture. A review of assets, liabilities, current spending and future spending expectations, income sources both now and in the future, etc. In other words, a full financial review of the persons involved. Commonly called a financial plan.

Value For Money Investing means we wish to allocate and use our hard-earned resources in order to improve investment outcomes in a continuous and sustainable way at a fair and equitable price. In other words, achieve good investment returns AND receive fair value for the services provided. Costs do matter! Gamma, Gamma Go Gamma Last article, under our journal heading The Gratifying Harvest (Eeny meeny….), I promised to discuss in the future, five important factors that have the greatest impact on retirement portfolios. Earlier this year I wrote about some key terms used in finance (its All Greek to Me), Alpha and Beta. Well the future is here and it is time for a new common term denoted by the Greek letter Gamma. (This is somewhat confusing because Gamma is in many glossaries as a descriptive for pricing of options. Gamma indicates how quickly your exposure to the price movement of the underlying security changes as the price of the underlying security varies. Other times it is used as the variable denoting the investor’s degree of risk aversion.)

2) a dynamic withdrawal strategy You probably are contemplating a static withdrawal strategy. An amount based on 4% of assets adjusted for inflation each year is very common. The future will not be steady and unwavering, so why should the withdrawals. Your withdrawal plan should be adjustable to the future realities, not the past plans. 3) incorporating guaranteed income products (i.e., annuities) The key here is risk shifting or hedging your risk. Annuities and other guaranteed products (such as long term GICs) place the future performance worries onto the provider of the product and remove the risk from you. 4) tax-efficient decisions You should hold assets in the accounts that are the most tax wise for those types of investments. Ensure that your withdrawal strategy is also generating income in the most beneficial manner. It is not just about this year. A good goal is to lower your lifetime total tax bill to the lowest possible amount. Access to a skilled tax consultant is essential.

In September 2012, Morningstar, a very large service provider to the investment community, published a research paper authored by David Blanchett, CFA, CFP, Head of Retirement Research, Morningstar Investment Management and Paul Kaplan, Ph.D., CFA, Director of Research, Morningstar Canada titled Alpha, Beta, and Now…Gamma. This paper proposed that it is not investment/manager selection that has the greatest impact on retirement portfolios; rather it is making more intelligent financial planning decisions. At Efficient Wealth Management, we have been promoting the exact same five ideas for over ten years with a passion and are very pleased to share with you the conclusions of such an authoritative source. In a departure from the usual for me, I am simply going to let you read their well summarized abstract and then I will clarify in street terms, the decisions and techniques.

5) liability-relative asset allocation optimization The risk associated with currencies, inflation and timing of withdrawals as they relate to the future are an important part of establishing the optimal portfolio allocation. In the words of the authors, “From a more holistic perspective, each of these Gamma concepts can be thought of as actions and services provided by financial planners not investment managers. Is it time to rethink your own approach?” Join us for our next “Meet the Columnist” on Tuesday, October 29th, 2013 from 2 to 4 pm or 7 to 9 pm. Space is limited so please contact Jean Dizon at 416410-9809 or jdizon@efficientwealth.com to RSVP and confirm the Port Credit location for your choice of time. Gordon Stockman, CA, CPA, CFP, CIM

Abstract…. “When it comes to generating retirement income, investors arguably spend the most time and effort on selecting ‘good’ investment funds/managers—the so called alpha decision—as well as the asset allocation, or beta, decision. However, alpha and beta are just two elements of a myriad of important financial planning decisions, many of which can have a far more significant impact on retirement income.

Gordon is the Vice President – Financial Planning at Efficient Wealth Management Inc., a leader in cost efficient financial planning. He has taught at local colleges in both Financial Services and Accounting areas. He is also a frequent guest on television and has written numerous articles on investing and financial planning.

We introduce a new concept called “Gamma” designed to quantify the additional expected retirement income achieved by an individual investor from making more intelligent financial planning decisions. Gamma will vary for different types of investors, but in this article we focus on five fundamental financial planning decisions/techniques: a total wealth framework to determine the optimal asset allocation, a dynamic withdrawal strategy, incorporating guaranteed income products (i.e., annuities), tax-efficient decisions, and liability-relative asset allocation optimization.

We are money coaches. We created a new coaching program called The Gratifying Harvest. The program helps you enjoy your future by carefully harvesting cash flow from your lifetime of savings or preparing you to do so. The Gratifying Harvest is an advanced program that takes everything to a much higher level and is only available from Efficient Wealth Management. See our ad about The Gratifying Harvest Program in this issue.

We estimate a retiree can expect to generate 29% more income on a “utilityadjusted” basis using a Gamma-efficient retirement income strategy when compared to our base scenario, which assumes a 4% constant real withdrawal and a 20% equity allocation portfolio. This additional income is equivalent to an annual arithmetic return increase of +1.82% (i.e., Gamma equivalent alpha), which represents a significant improvement in portfolio efficiency for a retiree. Unlike traditional alpha, which can be hard to predict, we find that Gamma (and Gamma equivalent alpha) can be achieved by anyone following an efficient financial planning strategy.” Wheh! …and read that last half sentence again “….can be achieved by anyone following an efficient financial planning strategy.” So let’s start.

1) a total wealth framework to determine the optimal asset allocation Your current advisor or bank asks you to answer an investment questionnaire and then discusses it with you. This is an attempt to establish risk tolerance and risk preference (i.e., an investor’s aversion to or comfort with risk). This however ignores your risk capacity (i.e., an investor’s ability to assume risk). Asset allocation should be based on a combination of risk preference and risk capacity,

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Casual and friendly, welcoming and warm, the hospitable Star Clippers staff are eager to ensure that each guest experiences a memorable vacation that is pampering, relaxing and fulfilling. With a deck-space-per-guest ratio higher than most cruise lines, guests can always find a lounge chair to soak up some sun, enjoy the ocean breeze or catch up on a good book. With one unhurried dining sitting, guests can take their time and enjoy the meal with new friends. They are greeted by name, and their preferences remembered by the attentive staff. And guests are pampered with all of the major amenities found on a typical cruise vacation. Smaller ships mean that Star Clippers can call at off-the-beaten-path ports and hidden harbors untouched by the large cruise ships. Travelers looking for a tropical vacation can join Royal Clipper and Star Clipper in the Caribbean in the fall and winter. The two ships sail round-trip Barbados and St. Maarten, respectively, and weave their way throughout the region’s most beautiful island jewels lined with golden beaches and palm-fringed shorelines. Star Flyer explores Costa Rica during the fall and winter, where a natural wonderland unfolds on an eco-adventure filled with some of the world’s most exotic flora and fauna. In the spring and summer, all three ships make their way to the Mediterranean. Spanning from east to west, guests embark on cultural, historic, culinary-rich and diverse itineraries reaching from Turkey to Portugal.

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Immerse yourself in a journey where the wind charts your course and an authentic tall ship adventure awaits. Climb the mast for a better view of the horizon or simply relax in the net suspended over the bow with nothing but crystalline waters below. Our mega-yacht sailing experience makes a Star Clippers cruise feel more like an intimate vacation with your closest friends to hidden harbors and destinations untouched by the larger ships. No long lines on board, no crowds, just pampering services in a casually elegant atmosphere.

STAR CLIPPERS For More Information Contact: Chadwick’s Travel Inc • 1720 Lakeshore Rd. West • Mississauga, ON • 905-823-6341 • www.chadwickstravel.com 19 wendy_AD_Clarksons Corners.indd 1

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