Clarkson 1014 web

CLARKSON’S

CORNERS Vol u m e 0 6 • Is s u e 03 • Fa l l 2 0 1 4

www.clarksonbia.com

IN TH IS IS S UE

BIA Directors – Maggie, Alice, Lina and Roxanne

Exciting times in Clarkson Village The Streetscape work in Clarkson Village has begun and by October 21 the bulk of this project will be completed. This will be just in time for our Halloween Fun Fest on Saturday, October 25 from 10 am until 2 pm.

A digital copy of the final plan is on the Clarkson BIA website @ www.clarksonbia.com. Change is in the wind for Clarkson both physically and politically. Next year we’ll have a new Mayor, Councillor, some new BIA Board Members and new development in our village. It’s an exciting time in the history of the oldest village in Mississauga. We have many great voices in Clarkson.

If you work in the village, please consider volunteering for the BIA Executive Board or one of its committees and help in its future development. If you are a resident, consider joining your Rate Payers Association. Together we can help impact the look and feel of our village and events we do for our community in upcoming years.

By Alice Fahey, Vice Chair Clarkson BIA

Election Day

04

Business Awards

05

Pumpkin Parade

06

Halloween

07

Pretty in Pink

09

Community Corner

10

Lose Inches

11

Real Estate Update

12

55 Years Young

13

Museums Mississauga

15

Mississauga Votes

16

Harvest Journal

19

OFFICIAL NEWSPAPER

The Most Succesful Sign in Mississauga!

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

PORT CREDIT

125 Lakeshore Road East PORT CREDIT 905-278-3500

COMI N G

SO ON

T O

C LARKS O N

VILLAG E,

MISSISSAUGA

INTRODUCING MISSISSAUGA’S MOST ANTICIPATED CONDO COMMUNITY

Artisan-Inspired Condo Residences At The Gateway Of Clarkson Village And Your Life.

A well-crafted life from the $300’s LOCATION MAP

The Craftsman Condominium Residences offers an incredible lifestyle opportunity in the charming Village of Clarkson. Inspired by Frank Lloyd Wright, this four-storey intimate condo-

QEW

LAKESHORE RD. W

MISSISSAUGA RD.

CLARKSON RD.

SOUTHDOWN RD.

SITE

minium residence is set within the natural backdrop of Birchwood Park and promises a more modern way of living. Experience the new luxury of space and uncompromising quality.

Location, architecture, amenities, suite layouts and price ensure that The Craftsman is equally appealing to first-time buyers, downsizers, families and mature buyers seeking a sanctuary of carefree living in Mississauga’s most desirable neighbourhood, Clarkson Village.

LAKE ONTARIO

Inspired by nature. Artfully designed with you in mind.

Prices, sizes and specifications are subject to change without notice. E.&O.E. Rendering is artist’s concept.

REGISTER NOW

craftsmancondo.com

discover

ART THE

OF LIVING

October 27th – Municipal Election Day On Monday, October 27th, voters across Ontario will be heading to the polls.

In 2014, Ontarians will elect approximately 2800 council members and 700 school trustees across the province.

Everyone who puts their name forward as a candidate and who casts a ballot makes a difference in their community.

Why is it important to vote?

The right to vote is a fundamental democratic right that is protected by the Canadian Charter of Rights and Freedoms. It is the cornerstone of democracy. When we vote, we choose the representatives who will make the laws and policies that govern how we live together.

The legitimacy of a government lies in the fact that it is elected. While democracy involves much more than holding elections every four years, voting is a powerful way to send a message to governments and politicians.

The more votes, the more powerful the message is. Every vote counts. Compared to other forms of political participation, voting does not require a lot of time or effort – in other words, it is one of the easiest ways to have a say in how your society is governed.

Clarkson’s Corners

Clarkson’s Community Newspaper Volume 06 | 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

Municipal government has a great impact on our day-to-day lives. City planning, public transit, parks and recreation facilities, economic development, roads, property taxes, fire services, municipal by-law and property adjustments are responsibilities of local council. Our local school boards manage our elementary and secondary education programs. All these responsibilities have a strong impact on our daily lives. The GTA faces many challenges moving forward. Take the time over the next few weeks to learn about the candidates, ask questions and be sure to vote on October 27th.

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.

4

www.rjentpub.com

The 2014 Stars of South Mississauga Business Awards

By Lindsay Howe

www.clarksonbia.com

Awarding Excellence in the Community The 3rd Annual Stars of South Mississauga Business Awards will take place on Wednesday, October 15th at 7:00 p.m. The Stars of South Mississauga Business Awards celebrates extraordinary local businesses that are unique to Mississauga South and make our community a more vibrant place to live. The Stars of Mississauga South Awards is presented by the Clarkson Village and Port Credit BIA and the office of Mississauga South MPP Charles Sousa.

2013 Stars Winners

The Port Credit BIA strongly values the entrepreneurial spirit of these businesses, and has a deep appreciation for the passion that drives them to work so hard day in and day out. Their leadership and commitment is the driving force behind growing our community and local economy. Small businesses are the backbone of our thriving village and the Stars of South Mississauga Business Awards takes the time to honour these worthy businesses for their outstanding community impact.

Star Selection Each year members of the public are encouraged to nominate award-worthy local small businesses and submit their nominations through MPP Sousa’s constituency office. In conjunction with the Clarkson BIA and Port Credit BIA, an expert judging panel reviews the nominations and make the final selections.

The panel includes representatives from the Ontario Business Improvement Area Association, City of Mississauga Economic Development and Mississauga Board of Trade. Stars are chosen in each of the following six categories: Green Business Excellence, Community Impact Excellence, Service Excellence, Hospitality Excellence, Rising Star, and Networking Excellence.

Congratulations to all the winners, as well as each of the 100+ local businesses nominated as Stars in our community! Your passion and perseverance makes our community shine!

Mississauga Music Walk of Fame Class of 2014 Induction Ceremony

Sunday, September 7th, Mayor Hazel McCallion and Councillor Jim Tovey on honoured the 2014 Mississauga Music Walk of Fame Inductees. All of whom have contributed to the rich musical heritage of our city. The unveiling of the stars in the pathway took place following the induction ceremonies and presentations. Congratulations to; Ron Harrison, Composer, Tommy Hunter, Musician / Entertainer, Joey C, Producer / Promoter and Billy Talent, Band.

Ron Harrison Composer

Tommy Hunter Musician / Entertainer

Joey Cee Producer / Promoter

Billy Talent Band

5

The 5th Annual Whiteoaks-Lorne Park Pumpkin Parade!

Saturday, November 1st, 2014 in Whiteoaks Park 7:00pm BRING YOUR PUMPKINS!

Whiteoaks-Lorne Park Community Association is proud to announce the 5th annual Whiteoaks-Lorne Park Pumpkin Parade will be held on Saturday, November 1st in Whiteoaks Park. Bring your friends, neighbours, families – and carved pumpkins! – For a dramatic stroll through the park to view HUNDREDS of jack-o-lanterns from the neighbourhood. Beginning at 7:00pm, these pumpkins will provide a unique winding path through the park illuminated by the happy, crazy, silly and downright scary faces of our neighbourhood’s Halloween pumpkins.

This event depends on you!

Please bring your carved pumpkins to the parking lot beside Whiteoaks Park Tennis Club in Whiteoaks Park any time after 12 noon on November 1st (the earlier the better!) for inclusion in the parade. Tea lights will be provided. The walk will begin at 7:00pm and concludes at 8.30pm from the same location.

All pumpkins will be composted after the event, so you’re doing your part for the environment too!

6

Enjoy a ghoulishly fun community event this Halloween in Clarkson Village!

The Clarkson BIA will host the 20th annual Halloween Fun Fest celebration on Saturday, October 25th from 10 a.m.

– 2 p.m., featuring a colouring contest, bouncies, ponies, games, photo booth, Polar 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

7

Pretty in Pink

The Return of PINK October!

By Vanig Jelilian, Lorne Park Jewellers

By Michelle Gardiner www.clarksonbia.com

Since the 1500’s or the 15th century, Tourmaline as a gem has become popular as Europeans discovered this gem in South America. India and Cylon (now called Sri Lanka) found interest in this beautiful gem and it became part of designing jewellery in gold and silver.

Breast Cancer Awareness month is an internationally recognised event that is organised by major breast cancer charities 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!

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.

October babies celebrate their month with pink tourmaline and the iridescent opal.

Is it a pink tourmaline, pink sapphire or pink diamond?

Early gem traders went by colour. Pink tourmaline may be mistaken for pink sapphire; green tourmaline as an emerald and so on. Pink sapphires are stronger and longer lasting. Second to diamonds in hardness!

In 2014 Breast Cancer continues to be the most common cancer in Canadian women over the age of 20. In 2014 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, early diagnosis is our main weapon and is why I am as vocal as I am about my experience.

Remember the Pink Panther?

We rarely find pink diamonds for less than $10,000. Ladies seeking a pink diamond engagement ring will select the pink sapphire. Pink sapphires are also rare and more valuable than other colours of fancy sapphires such as yellow, green and violet. Pink sapphires are stunning and a good alternative to pink diamonds. They range in colour from pale to hot pink.

As a women it is so important that we are aware of our bodies, and I want women 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 “probably nothing� 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.

At Lorne Park Jewellers, each pink sapphire has been graded by our Certified Gemologist. You can be pretty in pink too! We recommend the exquisite, hypnotic and breathtaking pink sapphire.

Most people know someone who has been affected by this terrible disease, so for October do your part, paint your pumpkins pink to show your support, hold a pink bake sale, host a pink p.j. party or a pink in the rink hockey game to help raise funds to help find a cure.

For more information on pearls and other precious stones, contact Lorne Park Jewellers at 905-891-0001 or visit www.lorneparkjewellers.ca.

One day we will find a cure, together we can make it happen in our life time. For more information on breast cancer or how you can help, visit www.cbcf.org and Shop for the Cure, or get tips on organizing your own event.

Insta

9

COMMUNITY CORNER Lakeshore Floor Retires After an incredible 69 years in business, Lakeshore Floor owners Bruce and Heather Canton closed the doors to Lakeshore Floor and entered into a welldeserved retirement. For almost seven decades they provided excellent products and service to the Mississauga community. Both Bruce and Heather were active volunteers and always gave back to local charities and events. On behalf of RJ Entertainment Publishing and the many residents in Mississauga, we wish you all the best in your retirement.

Lorne Park Public School - Annual Craft Show Lorne Park Public School is have its Annual Craft Show on Saturday, November 15th 10 am – 4 pm. This event is a large fundraiser for the school with a large vendor turnout and a silent auction. Over 200 people from the community attended the event last year to make it a huge success. Lorne Park Public School is located at 1325 Indian Road, Mississauga.

Support for local Seniors Centres Mario Sergio, Minister Responsible for Seniors Affairs, joined Charles Sousa, MPP for Mississauga South in an announcement about helping seniors stay connected to their communities.

The Province is providing $11.5 million to support 265 Elderly Persons Centres across the Province. Elderly Persons Centres provide social and recreational programs that provide wellness for seniors and offer them places to gather for activities like fitness classes, computer classes and arts and crafts. The funding will help the centres maintain their operations and make small renovations, such as improving accessibility or making IT upgrades.

Farewell to Clarkson…

By Bruce and Cheryl Chadwick Opportunity knocked and The Chadwick’s have teamed up with an agency from their TravelSavers/Affluent Traveller Consortium allowing us to relocate to our home office in Oakville.

We’d like to extend our heartfelt thanks to all our clients, many of whom have become good friends, for your bookings and support over the past 32 years of doing business in the Clarkson Village. It’s time for us to leave the Plaza and continue to serve your travel needs out of the comfort of our own home.

Having been a part of your travels through counselling and planning to then sharing stories upon your return, we’d like to continue to serve your vacation and corporate needs. Here’s the beauty of it…we can come to you, meet at a mutually convenient location and chat over coffee or you can drop by our affiliated agency LANAIR INT’L TRAVEL LTD located at 250 Wyecroft Rd in Oakville.

We can be reached by cell phone at 416 553-6341 for Bruce and 416-559-6360 for Cheryl or you can call LANAIR at 905 829-2600 to book an appointment.

We look forward to your continued business and hope to hear from you in the near future!

2014 Lakeshore Art Trail Lakeshore Art Trail is holding its 15th annual free self-guided Art Show & Sale studio tour in Mississauga the weekend of October 18th & 19th from 10 am to 5 pm both days. The Art Trail runs between Port Credit & Clarkson and features 25 local artists exhibiting original artwork at 14 locations including individual studios & homes, churches and Lorne Park & 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@outlook.com.

BROKER

T

BAIRD HERESA THE

LORNE PARK

POWERTOMOVEYOU WWW.TBAIRD.COM

DIRECT:

Imagine living the good life

647-298-0997

OFFICE:

905-271-5125 10

TBAIRD@TBAIRD.COM

Looking for the perfect backyard to enjoy your ou this is the yard with a spacious deck, room for the s ice rink & great for throwing a ball around. Almost inside with 4 bedrooms, 4 baths, 2 fireplaces & a fi SAGINAW.TBAIRD.COM

Lose 6-8 inches around your waist, hips and thighs in just 5 weeks! www.clarksonbia.com

Do you want to feel stronger, more confident and get into the best shape of your life! Do you want to look, but more importantly feel better in 10 weeks or less? Do you long to get off the “weight-loss “roller coaster and switch up your tired “gym routine? Or maybe are you too scared to step into a “big box” gym, because you find it too intimidating? Perhaps, you’re tired of these big box gyms upselling you, EVERY SINGLE TIME you ask how to use a piece of equipment?!? If you can answer “YES!” to one or more of these questions, then R3VOLVE BOOT CAMP at R3 Evolution Fitness Studio

by Get Crystallized Fitness is for you!

The fitness program and nutrition guidelines of this boot camp is designed to keep your body guessing, to maximize every muscle in your body in a short period of time and to help you achieve your personal, fitness goals. You’ll lose unwanted body fat, gain strength, sleep better, increase your endurance and have a BLAST doing it!

QUALIFIED PERSONAL TRAINERS! Each session is led by a CanFitPro Certified Personal Trainer Specialist and the services from a Certified Precision Nutrition Coach

ALL FITNESS LEVELS WELCOME Whether you are beginner or an avid exerciser, you will be challenged to do “your best…THAT’S ALL.” Each class is designed to push past any plateau, whether you are beginning a brand new fitness routine or you have those last 5 – 10 pounds to lose, this program is designed to keep your body guessing, and progressing. ROUTINES ARE NEVER BORING! Modifications are offered for all levels and will accommodate any injury.

KILLER, FAT-TORCHING 40 MINUTE WORKOUTS! Each 40 minute class fuses lower body, upper body, and core and Tabata Timing circuits primarily using your own body weight to transform you into a lean-mean-fat-burning machine.

SMALL CLASS SIZES! Each class feels like a 1-on-1, personal training experience in a small group atmosphere.

PROFESSIONAL GUIDANCE BY A PRO WHO CARES! Have you ever felt “lost” in the gym? Confused by which machine works what and what order to use them?

Ever feel too embarrassed to ask for help during a fitness class? Every class is suited for all fitness levels and options will always be available to you.

THE KEY TO BEGINNING AND MAINTAINING A HEALTHY BODY IS A COMMUNITY THAT SUPPORTS YOU You will be guided by fitness and health professionals who are available at your fingertips. How? Our R3 Evolution Community Face book Fan Page is the opportunity to report your progress, ask questions and get the support from the R3 coaches and peers.

MOTIVATION FROM THE FITNESS COMMUNITY! You will belong to a community of like-minded individuals who share your values, have common goals and will be motivating you to keep going and to not give up!

NUTRITION GUIDELINES, ACCOUNTABILITY & ACCESS TO A NUTRITION COACH! Big box gyms do not care to hold you accountable for attending a class or not. Nor do big box gym instructors collect your personal food journals to keep your nutrition in check. 80% of your results depend on what you eat, so rest assure this community will help you get the best results possible!

MULTIPLE CLASSES AND MAKE UP CLASSES ALLOWS FOR MORE FLEXIBILITY With 2X/Week or 3X/Week classes, even if you miss your scheduled boot camp class, you can make up missed classes with any other class offered at R3.

ATTENTION!!! Only 20 spots available per boot camp session, so register early to avoid disappointment.

First anniversary celebration is happening Saturday, November 8th. RSVP for the party to Crystal at r3evolutionfitnessstudio@gmail.com and you will receive a FREE trial boot camp session TODAY!

Why choose our boot camp over going to a big box gym?

GUARANTEED RESULTS! Shed 6 – 8 inches overall, reduce body fat and fit into your “skinny jeans!” Build confidence, gain energy and feel amazing after every session!

utdoor family time? Then summer firepit, the winter 3,000 sq ft of living space finished basement. $1,050,000

MINEOLA EAST

FO

RL

R3 Evolution is located at 3065 Ridgeway Drive. Unit #50, Mississauga, Ontario L5L 5M6. Visit www.r3evolution.com for more information.

LORNE PARK

EA

GEORGIAN BAY

SE

Looking to live in South Mississauga? Owners are willing to lease for 1 year or long term. Just the right size for a couple or a small family. 3 bedrooms and 3 bathrooms, finished basement and fenced yard. Walk to schools, church, parks and the Port Credit GO. WINDYOAKS.TBAIRD.COM $2,375/MTH

Turn the key and you`re home in this 3 bedroom, 2 bathroom bungalow with hardwood floors, kitchen with walkout to extra deep yard (96’ x 179’). Spacious finished basement with rec room, office and additional bedroom. We can't wait to show you.

1285SAGINAW.TBAIRD.COM $879,000

11

Skyline Properties are behind this great waterfront development in Port McNicoll which is just east of Midland and 30 minutes north of Barrie. Waterfront lot for sale (100 ft x 179ft) with water rights. A great property to develop your northern home or cottage.

DOCKLANE.TBAIRD.COM $699,000

Real Estate Update - The Last Full Month of Summer ends on a high note

Advice For A Fee

tirement liabilityere

By Theresa Baird - Broker Keller Williams Realty Solutions

Increase your income through intelligent financial planning decisions.

Toronto Real Estate Board President Paul Etherington reported 7,600 sales through the Toronto MLS system in August 2014.

This result was up by 2.8 per cent compared to 7,391 transactions reported in August 2013. Year-to-date sales through the end of August amounted to 65,454, which represented an increase of 6.5 per cent compared to the same period in 2013. “The last full month of summer ended on a high note. As we look toward the fall market, I expect that demand for ownership housing will remain strong. Home buyers will continue to benefit from a diversity of affordable home ownership opportunities throughout the GTA. The fact that sales were up for all major home types in August suggests that first-time buyers and existing home owners remain very active in today’s marketplace,” said Mr. Etherington.

The average selling price in August 2014 was $546,303 – up 8.9 per cent in comparison to the average of $501,677 reported in August 2013. The year-to-date average price through August was $562,504, which represented an increase of 8.5 per cent in comparison to the same period in 2013.

“The number of listings in August was down in comparison to last year, while the number of sales increased. This means that sellers’ market conditions remained in place with a lot of competition between buyers. This is why we continued to see strong price growth last month. Looking forward, if sales growth continues to outstrip listings growth, the average selling price should continue to increase on a year-over-year basis,” said Jason Mercer, TREB’s Director of Market Analysis. If you are considering a move or just interested in the current value of your home give us a call or connect with us online for a Complimentary Home Evaluation.

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

Theresa Baird - Broker Keller Williams Realty Solutions. Phone 647-298-0997 or visit www.tbaird.com For on-line evaluations - southmississaugahousevalues.com

OCTOBER 18, 2014

TRIUMPHANT: A TRIBUTE TO MISSISSAUGA KUZMENKO A Tribute to Mississauga

TCHAIKOVSKY Symphony No. 5

MENDELSSOHN Violin Concerto

WITH: MAESTRO DENIS MASTROMONACO &

GUEST SOLOIST: STANISLAV PRONIN Join us for a night of wonderful orchestral music experienced in the world class acoustics of Hammerson Hall - Living Arts Centre Tickets on sale NOW. 905-306-6000 - mississaugasymphony.ca

12

Michael’s Hair Body Mind 55 years young

Your local REALTOR

®

Lynn Still

www.clarksonbia.com

Sales Representative

Michael’s Hair Body Mind celebrated a milestone anniversary on Sunday, September 14th. Michael’s has evolved in the Clarkson community on the Lakeshore since 1959.

They proudly celebrated their 55th anniversary in business with a stylish throwback 50’s party. Team Michael’s took over the parking lot with a classic car show featuring some of the best road rods from the 1940’s thru 1960’s that have survived the times with a sustainable beauty mirroring Michael’s business itself.

Office: 905-822-5000

www.lynnstill.com

Mobile: 647-990-1464

lynn@lynnstill.com

Introducing the new neighbourhood network to Lorne Park & Clarkson

They had a 60’s rock and roll band on an outdoor stage and a runway to bring the guests for a walk down memory lane with a fashion show and a time trilogy of each decade. Guests were further treated inside to wine and scotch tasting, a tantalizing tickle on their pallets with food from Michael’s Back Door and lots of prizes and surprises. The Rat Pack, Marilyn Monroe, and Elvis were in the house. It was a great day and a fantastic way to say thank you to the Clarkson community and all the clients that have graced Michael’s from 1959 thru 2014.

“Congratulations to a well-known landmark” was fittingly said by our very own Mayor Hazel McCallion who was present for the festivities celebrating her 55th year in public office. Michael’s and Mayor Hazel McCallion are two icons, past and present, one continuing with future growth and one hanging out her shingle “gone fishing.”

Find local events

The staff at Michaels’s wishes Mayor Hazel all the best with whatever your retirement brings you. Congratulations to Michaels and best wishes for the next 55 years sustaining beauty in Mississauga.

13

Get local deals

Talk with neighbours

ELEC

ION 201T4

Mississauga Votes 2014 Monday, October 27th The 2014 Municipal Election is on October 27, 2014. Eligible voters will be able to vote for Mississauga’s new mayor, their ward councillor and school board trustee.

WARD 2 CANDIDATES MEETING For the Municipal Election – Councillor Ward 2 Mississauga South Wednesday Oct 15, 2014. 7:00p.m.

Clarkson Secondary School Auditorium - 2524 Bromsgrove Rd, Mississauga Candidates (in alphabetical order) • John Armstrong • Laurence Kuysten • Karen Ras • Sue Shanly • David Sousa • Alvin Tedjo Meet your School Trustee Candidates in an informal setting at the end of the evening

Don’t forget to bring your Voter Notification Card and acceptable ID when you go to vote. The City of Mississauga will hold advance polls for 13 days from September 29 to October 11, 2014. Advance polls are a great option for voters who might not be able to vote on Election Day. Advance Poll Information:

Sponsored by your South West Mississauga Ratepayers Associations • Clarkson Fairfield’s South Ratepayers Association • Hillcrest Ratepayers Association • Lorne Park Estates Association • Lorne Park Watercolours Residents’ Association • Meadow Wood Rattray Ratepayers Association • Park Royal Community Association • Sheridan Homelands Residents’ Association • Whiteoaks Lorne Park Community Association

• The Civic Centre at 300 City Centre Drive will have advance polls from Monday, September 29 to Saturday, October 11 from 10 a.m. – 5 p.m. Anyone in Mississauga who is eligible to vote can vote at the Civic Centre advance poll.

• There will be advance polls in each ward in Mississauga from October 4 to 8.

They will be open from 10 a.m. - 5 p.m. You must visit the location in your ward to vote at these advance polls. Look for advance poll information on your voter registration card, visit mississaugavotes.ca or call 905-615-VOTE.

Doors Open at 6:30 p.m. Limited seating Donations of food or money for THE COMPASS would be appreciated

For more information about the 2014 Municipal Election, visit mississaugavotes.ca or call 905-615-VOTE. If you need information in an alternate format, please call 3-1-1.

14

Mississauga is a Big City with the Heart of a Village

By Steve Mahoney

ELEC

ION 201T4 www.clarksonbia.com

Mississauga has come a long way in its short history. Born out of the thriving, historic villages of Clarkson, Cooksville, Dixie, Erindale, Malton, Meadowvale Village, Port Credit and Streetsville, our City has grown to become Canada’s sixth largest and a place where people from all over the world come to live.

and active neighbourhoods, and that good developments get built and fewer matters go through the expensive Ontario Municipal Board process.

3. Expanding Business Improvement Areas to other parts of the City: Mississauga is home to four successful BIAs – Port Credit, Streetsville, Malton, and Clarkson - that play an important role in the strength of our villages. I will work with Council and existing BIAs to try to expand the BIA concept to other areas of our City.

Mississauga has grown and prospered under the steady leadership of Mayor McCallion. With her retirement from office, she is entrusting her successor with a strong foundation on which to build an even stronger Mississauga.

I believe that Mississauga is a big city with the heart of a village. It is this heart that makes Mississauga such a great place to live, work, and raise a family.

If I am privileged enough to be elected your mayor, I will make sure we never lose this character.

I am running for mayor because I have the experience and plan to build on the foundation being left to us by Mayor McCallion. I am committed to keeping Mississauga affordable, investing in our downtown and waterfront, supporting our small businesses, and building stronger villages and neighbourhoods across the City.

My plan to build stronger villages and neighbourhoods is laid out in my Blueprint for an Even Stronger Mississauga. As mayor, I am proposing to build stronger villages and neighbourhoods by: 1. Supporting residents in building their neighbourhoods and villages: I will work with Council to set aside $50,000 annually to establish the Heart of a Village Micro Grants Program. This program would provide small matching grants to support neighbourhood groups and/or placebased grassroots initiatives that promote local arts, cultural expression, and civic pride.

2. Appointing a Mississauga Community Development Facilitator: I will work with Council to appoint a Community Development Facilitator whose job it would be to work with residents, developers, and community based organizations to ensure that development supports more livable

STEVE MAHONEY FOR MAYOR

EXPERIENCED LEADERSHIP FOR TODAY AND TOMORROW ..to hold property tax increases within the rate of inflation ...to conduct a core services review to focus on the priorities of residents ...to address youth unemployment through apprenticeships & co-op placements ...to build and promote strong villages as tourist destinations

905-276-2020

15

Museums of Mississauga upcoming events Historic Hallowe’en Fun

Are you a fan of the popular British PBS series “Downton Abbey” featuring the Crawleys?

October 26, 2014, 12 pm to 4 pm Benares Historic House, 1507 Clarkson Road North www.museumsofmississauga.com or 905-615-4860 The Museums of Mississauga present their annual family event, ‘Historic Hallowe’en Fun’. The first 250 kids who come in costume will receive a loot bag filled with treats and might just win a prize in the costume contest!

This family oriented event features on-going shows of slithering snakes and other reptiles, live music for the whole family, spooky tours of the historic house, haunted bouncy castle, cookie decorating (donated by La Villa Bakery), kid’s crafts

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.

Photos with Santa in the Leslie Log House

Hosted by the Friends of the Museums of Mississauga 4415 Mississauga Road Saturday November 29th, 2014 12 pm – 4 pm Pet Photos with Santa in partnership with the Mississauga Animal Control Sunday November 30th, 2014 12 pm- 4pm 4415 Mississauga Road

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.

Family Photos with Santa and Mrs. Claus in the Leslie Log House Photos with Santa in the Log Cabin Hosted by the Friends of the Museums of Mississauga 1620 Orr Road Saturday December 6th, 2014 – 12 pm – 4 pm Pet Photos with Santa in partnership with the Mississauga Animal Control Sunday December 7th, 2014 – 12 pm- 4pm Family Photos with Santa and Mrs. Claus in the Log Cabin 1620 Orr Road

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.

“Downton Abbey” Tea & Tour at Benares Historic House 1507 Clarkson Road North, Mississauga November 2 • 3 to 5 p.m. • $15.00 (plus tax) Reservations required by calling 905-615-4860, ext. 2110

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 16

The Gratifying Harvest Journal www.clarksonbia.com

Value For Money Investing means we wish to allocate and use our hardearned 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!

products (i.e., annuities), tax-efficient decisions, and liability-relative asset allocation optimization.

We estimate a retiree can expect to generate 29% more income on a “utility-adjusted” basis using a Gamma-efficient retirement income … This additional income is equivalent to an annual arithmetic return increase of +1.82% … which represents a significant improvement in portfolio efficiency for a retiree. Unlike traditional alpha, which can be hard to predict, we find that … can be achieved by anyone following an efficient financial planning strategy.”

What does Certified Financial Planner actually do?

CERTIFIED FINANCIAL PLANNER™, are experts in comprehensive financial planning. They help people with cash flow analysis and budgeting, goal planning, debt management, insurance and risk management to protect your income and dependants, employer contributory pension plan or group RSP allocations, estate planning, taxes, career, life planning, college and university funding, buying a home, retirement projections and anything else that comes along. No magic, just math supported by broad experience. Sometimes, they are simply answering, “Do I (we) have enough”? Maybe, “How much can I afford to give the kids”?

So what are intelligent financial planning decisions a Certified Financial Planner help me with? Let’s see.

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, 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.

However, the first question to the financial planner is often about the investments. An experienced planner should stop you and make it very clear that it is the comprehensive financial planning that will lead any relationship. As such, we will charge fees for this advice and expertise just like any consultant in a specialized field. Advice for a Fee based on a specific area of expertise. We coach, manage and guide our clients. We get paid based on the advice and the guidance and help in controlling the client’s emotions. This is why they hire us.

There’s no ambiguity and that is our point. We work hard at telling all that we meet that financial planning is not investment planning and is very important in its own right.

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.

It gets confusing because most financial planner also help with client’s investment management to some degree. Although it is not mandatory that they use their financial planner as their investment manager, it does make sense and is often the best value proposition. Since the planner has the most intimate understanding of their personal finances, they can provide them with investment advice and management that fits with their overall strategy. But again this is a separate area not covered in the basic financial planning and should be treated as such.

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.

Investment management is certainly a different skillset than cash flow and retirement planning and it’s important to separate one from the other. Your investment advisor should provide services like risk education, determine risk tolerance – both ability and willingness, manager selection, investment selection, portfolio design, asset allocation and investment management (rebalancing, market analysis, portfolio analysis). Certainly investment management is related to financial planning but is distinct from it.

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.

We believe strongly that investment management should not be commenced without financial planning.

It is unfortunate that it is investment management; and primarily investment or manager selection, that drives most relationships between clients and advisors. Clients incorrectly believe they should just seek to make more money on their investments and focuses here. In September 2012, Morningstar, a very large service provider to the investment community, published a research paper 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 it is gratifying to read such strong support for our financial planning focus.

The research paper attempts to “… quantify the additional expected retirement income achieved by an individual investor from making more intelligent financial planning decisions … 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

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. See our ad “the Harvest is under way!” in this issue.

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.

17

Over 50 bars and restaurants within

walking distance.YES, we said walking. #ilovePC

Port Credit BIA

Please visit www.portcredit.com or contact 905.278.7742