CLARKSON’S
CORNERS Vol u m e 0 6 • Is s u e 04 • Winter Edit io n
www.clarksonbia.com
IN TH IS IS S UE Maximize the Value
Christmas in Clarkson Christmas in Clarkson is a fun and magical time of year. The spirit of the season truly brings the community together. Did you know Clarkson is the oldest Village in Mississauga? Clarkson provides an old-fashioned shopping experience. This holiday season avoid the hassle of battling traffic, finding parking, pushing your way through crowded stores, endless aisles and lineups. Instead, take a stroll along the Lakeshore, do some window-shopping and stop in at your neighbourhood boutiques. The Baker Street Victorian Carollers will be strolling in the Clarkson Village this holiday season Saturday, December 13th 1-4pm and Wednesday, December 17th 1-4pm. The Baker Street Victorian Carollers are a group of strolling singers bedecked in mid-19th century garb. They blend their harmonies to bring back the memories of Christmases long ago. Many Clarkson businesses have been established for many years and have a wide array of special items from antiques to car accessories. Check the back page of Clarksons Corners or visit www.clarksonbia.com for a list of all the businesses that are ready to cater to your holiday needs. You can even access the website on your mobile device. Christmas is a special time of year and what better way to share the holiday spirit than to lend a helping hand. How you ask? By shopping local! Many of the business owners are also local residents and by supporting them you are supporting your neighbour. By shopping local you are not only building a stronger Village, you are also building a stronger community.
of your home
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Shop local
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Thank you Pat
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History of diamonds
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Community Corner
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Gratifying Harvest
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Holiday beauty recipes
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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
VD_Craftsman_Ad_nov14_pressready.pdf
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Shopping Local Makes a Difference Shopping local contributes to the prosperity of the Village of Clarkon neighbourhood, by keeping dollars close to home. When you shop local you leave with the personal satisfaction of knowing your money is going back into the local community. Whenever you make local purchases, more wealth is generated within the local economy. These funds are used to help maintain a clean, vibrant area, as well as putting on events for your enjoyment. Local businesses play a vital role in our community. Your local merchants are deeply invested in their businesses and are committed to the long-term health of the community. The merchants are members of the BIA (Business Improvement Area) and are dedicated to promoting the community and its initiatives. Merchants are also known for their many charitable efforts and support numerous causes. Shopping doesn’t have to be stressful or time consuming. This holiday season avoid the hassle of battling traffic, finding parking, pushing your way through crowded stores, endless aisles and lineups. Instead, take a stroll along Lakeshore, do some window-shopping and stop in at your neighbourhood boutiques.
Clarkson’s Corners
Clarkson’s Community Newspaper Volume 06 | Issue 04 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
Shop the Village of Clarkson this Christmas season to discover the perfect gift for everyone on your shopping list. From RJ Entertainment Publishing we thank all our readers and advertisers for your support. We wish everyone Happy Holidays and a prosperous New Year. Remember to continue to shop local!
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.
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www.rjentpub.com
DENIS MASTROMONACO Music Director & Conductor DR. ANDREW KIZAS Associate Conductor, MSYO
2pm
8pm
CHRISTMAS TIME IS HERE!
HALLELUJAH! Messiah & Friends
Family Concert with Sing-a-Long Carols
plus highlights from Bach’s Christmas Oratorio with Chorus and Soloists
Bring your BELLS!
Saturday December 13th
JENNIFER TUNG, Chorusmaster
Hammerson Hall, Living Arts Centre FOR TICKETS: www.livingartscentre.ca 905.306.6000 www.mississaugasymphony.ca 5
Thank You Pat Pat Mullins’ strong focus on community and protecting the environment are just a few of the reasons that we all enjoy the many vibrant neighbourhoods we live and work in. Our ward is home to fabulous waterfront parks, the Rattray Marsh, and two museums all of which if you look deep enough would likely reveal her imprint. Throughout her tenure, Pat has represented and fought for our residents on a myriad of important and complex issues, all with a focus on preserving and enhancing the quality of life in the communities of Ward 2. Whether it was standing up for local residents in the power plant battle, working to protect our neighbourhoods or engaging in projects within the Clarkson Village and ensuring responsible development, Pat focused on keeping the lines of communication open with everyone she came in contact with over the years. She immersed herself into our community and has left a priceless heirloom for us to care for and continue to enjoy into the future. Thank you so much Pat Pat, you genuinely supported Bradley Museum, Benares Historic House and Leslie Log House from your first council term. Thank you for your active participation that lives on through the preservation of these heritage sites. Friends of the Museum Holcim Canada would like to thank you Pat for 29 years of dedicated service and commitment to the residents and businesses in Ward 2. Our warmest congratulations and best wishes on your retirement! On behalf of the Hillcrest Ratepayers’ Association, we wish to take this opportunity to thank Ward 2 Councillor, Pat Mullin, for all the years of faithful service she has given to our community.Pat, you have been a representative with whom we were proud to be associated. Amazingly, you have retained both your sense of dignity and your sense of humour throughout your years of service! We wish you well Pat in your future endeavours and thank you most sincerely,
Thank you from the Meadow Wood Rattray Ratepayers Association for your 29 years of continued support. Under your leadership our Ward 2 Community has remained a great place to live, work and play. You fought with us against power plants, inappropriate development and for better air quality and your collaborative approach helped us achieve true progress and for that we are forever grateful. We wish you all the best in your future endeavours.
Clarkson Community at Peace would like to thank you Pat for all your encouragement and support you gave us since our inception in 2008. You believed in our Vision “to create a culture in our community that supports peace; one that is safe; nurturing; welcoming and embraces its diversity”. You always promoted and attended our community events. The residents at these events enjoyed talking with you in an informal setting. Pat you have always been about community and we are very appreciative of your endorsement of CCaP. We wish you well in your future endeavours
On behalf of the Clarkson Village BIA we would like to recognize your 29 years of steadfast service. Thank you for the countless dedication of hours you gave to ensure the lines of communication were open and representing our needs with the staff at City Hall. Thank you for helping us connect with the many wonderful associations here in Clarkson and surrounding areas; together we will carry on to maintain formidable communities. We wish you all the best in your future plans Pat.
On behalf of the Owenwood Residents Association would like to recognize Councillor Patricia Mullin's 29 years of dedicated service to the residents of Ward 2 and thank you Pat for your tireless and devoted service to the community. Pat, we have been very fortunate to have you represent us for 29 years and we wish you the best of luck in your future endeavours.
A sincere thank you for the years of dedication furthering the interests of residents in Ward 2. We wish you nothing but the very best for the future. From a very grateful Whiteoaks Lorne Park Community Association past & present We all at the Walden Circle Retirement Community Thank you for your support! You have warmed our hearts with your visits and you have always been there for us and Celebrated with us. You will be missed and will always have a place in our hearts. You are always welcome in our home! Suncor would like to thank Pat Mullin for her incredible dedication to the community, and to recognize her contributions as a long-standing member of the Suncor Public Liaison Committee, where she was an active voice for the residents of Mississauga.
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Indian Cuisine by the Lake served fresh! Indian Cuisine by The Lake is the perfect destination for all occasions. Whether you are having a romantic dinner, a business lunch, a nightout with the family, or socializing with friends, all can enjoy the mouth watering food and relaxing ambiance Indian Cuisine offers. At Indian Cuisine by the Lake everything is made from scratch, by the best chefs in town. Fresh food and produce is brought in from the Ontario Food Terminal. Meals are prepared from fresh baked breads, kebabs from the Tandoor (Clay Oven) to Spice Infused Curries from different regions in South Asia. Naan bread is prepared twice a day. Always fresh! The all-day Buffet Thali Special is a favourite among patrons. You can dine-in, take-out or have it catered. Items that can be included are butter chicken, goat curry, chana masala, basmati rice, vegetable samosa, squash masala, aloo beans, onion bhaja and naan bread. The Buffet Thali Special is always served in a perfect portion. The Sahdra Family has been in business in Port Credit since 1984. Owner Danny Sahdra has spent most of his life in Port Credit and loves the unique, small town atmosphere the village offers. He is very open about how much he appreciates the support of his customers. His philosophy is to treat others the way you want to be treated. When people come to Indian Cuisine they know they are going to receive excellent service, quality and a delicious meal. At Indian Cuisine by the Lake, the menu is constantly changing to offer customers a wide range of dishes. Their open style kitchen gives you the opportunity to watch your meal being made right before your very own eyes. Indian Cuisine offers mouthwatering by the Lake Wraps and Specials. Try the chicken platter for an assortment of Indian Cuisine’s famous Chicken Tikka, Afghan Chicken & Haryali Chicken & Chicken Kebab. Their clay oven’s creations include Fish Tikka, Tandoori Shrimps, Beef and Chicken Seekh Kebab. Ask about gluten, dairy and nut free options. Indian Cuisine by the Lake is Port Credit’s hottest venue for Indian food. Indian Cuisine is located at 56A Lakeshore Road East. Visit Indian Cuisine on the web at indiancuisinebythelake.com. For more information on dine-in, take-out catering and delivery call 905-891-3333.
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The history of diamonds By Vanig Jelilian www.clarksonbia.com
Diamonds have been a source of fascination for centuries. They are the hardest, the most imperishable, and the brilliant of all precious stones. The word “diamond” comes from the Greek word adamas, meaning “unconquerable”. A diamond is a transparent gem made of carbon, one of the earth’s most common and hardest elements. The formation of diamonds began very early in the earth’s history, when the condensation of solid matter into a sphere caused the centre of the planet to become subjected to incredible extremes of temperatures and pressure.
Insta
The quality and value of diamonds are measured by four characteristics known as the 4C’s. The 4C’s relate to a diamond’s cut, colour, clarity and carat weight. A diamond’s colour is one of the most important factors in determining its value. The nearer a white diamond is to being absolutely colourless, the more rare and valuable it is. The graduations in colour are so subtle that intricate international grading scales have been devised.Diamonds are graded into categories defined by letters. The colour range from exceptional whites (categories D, E and F) to tinted colours (categories M to Z). The best way to pinpoint a diamond’s true colour is to place it next to another diamond that has previously been graded. Canada has become one of top diamond producing countries in the world. Educated consumers are very careful to not purchase blood diamonds - diamonds mined in a war zone to fund terrorists. Canadian diamonds have become very popular and respectful, as the government gives a registration number for each and every diamond that comes out of the mines before being cut and faceted. We should all feel proud of Canadian diamonds. The diamonds will be created into magnificent jewellery that will created everlasting memories. For more information of your diamonds needs inquiries contact Lorne Park Jewellers (905) 891 0001 www.lorneparkjewellers.ca
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COMMUNITY CORNER Halloween Fun Fest
Charles Sousa and BIAs Recognize Outstanding Businesses in South Mississauga
The 2014 Halloween Fun Fest attracted many excited costumed participants. The weather cooperated and business owners dressed up to hand out treats to the children who had come for the goodies and the many activities from crafts, bouncies, games and a photo booth.
In a ceremony on Wednesday, October 15th at Lakeshore Convention Center, Mississauga South MPP Charles Sousa, the Port Credit BIA and the Clarkson BIA awarded outstanding local small businesses. Winners of the third annual Star of Mississauga South Awards were recognized for their accomplishments and contributions to the community. Ward 1 Councillor Jim Tovey and Ward 2 Councillor Pat Mullin were also on hand for the celebrations. Members of the public nominated their favourite local small business. Nominations were reviewed by an independent community panel, including Mississauga Board of Trade, City of Mississauga Business Enterprise Centre, and the Manager of the Streetsville BIA. Stars of Mississauga South Winners in the following categories: • Go Green Business Excellence – Karma Fine Furniture Consignment; • Community Impact Excellence – Teach to Learn by Conductive Education; • Service Excellence – Efficient Wealth Management; • Hospitality Excellence - The Crooked Cue; • Rising ‘Star’ – Pure Physiotherapy; • Networking Excellence/ MBOT Business Connector – Jennifer Beale, Unleash PR • Home-Based Business Excellence- Blues & Roots Radio • Business Person of the Year – Eunice Luis, Portlington Financial Group
Home for the Holidays at the Museums of Mississauga On Sunday, December 14th noon – 4pm visit the museums of Mississauga for holiday festivities. The day will include carollers, historic tours and cooking, children’s craft area, cookie decorating, horse and wagon rides, seasonal exhibits and more! Free admission - Donations of non-perishable food items will be accepted for the local community food banks. Bradley Museum – 1620 Orr Road. Benares Historic House – 1507 Clarkson Road North. Leslie Log House – 4415 Mississauga Road. For more information visit www.museumsofmississauga.com or call 905-615-4860.
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LORNE PARK
Traditional 2,900 square foot 2 storey home with 4 bedrooms, 4 bathrooms, 2 wood burning fireplaces. This home has a fully finished basement with recreation room, bedroom, games room a kitchen and a separate entrance. SAGINAW.TBAIRD.COM $980,000
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benefits of selling
a home in the winter
1. LESS COMPETITION. There are usually fewer homes on the market at this time of year. 2. BUYERS ARE MOTIVATED TO CLOSE. The ones who are in the market want to close quickly. 3. YOUR HOME MAY SHOW BETTER. The cozy ambiance of winter helps buyers imagine living there. 4. YOU CAN TAKE ADVANTAGE OF THE HOLIDAY SEASON. Decorating makes your home appear more inviting.
BROKER
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If your looking for a large lot where you can watch the children play (96 x 179 ft ) this 3 bedroom bungalow could be the perfect match for you. Move in ready with updated main level. Fully finished lower level with additional bedroom. 1285SAGINAW.TBAIRD.COM $878,000
BAIRD HERESA THE POWER TO MOVE YOU 647-298-0997 TBAIRD@TBAIRD.COM
WWW.TBAIRD.COM 10
The Gratifying Harvest Journal www.clarksonbia.com
Value For Money Investing
because the market won’t really go anywhere or you could even lose money over decade-long stretches. These things happen, but they are completely outside of your control.
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!
What you do control is your time horizon and time is often the most important variable to understand when making investment decisions. (emphasis is mine) This was a reminder to me about two very important thoughts. First, time horizons are the most important factor in portfolio construction and also the most important factor in achieving EXPECTED results. Establishing these time horizons takes careful and thorough financial planning. Financial planning informs you WHAT your nest egg is for and WHEN and how it will be used. The biggest answer comes from the WHEN(s). The horizon, until first use of your savings, and the cashflow plan during retirement give a series of WHENs. Using the series of WHENs as a guide, we largely know how to invest client’s assets, to best meet their unique needs.
Investing Made Easy. If you are a regular reader of this column, you will know that I spend only a little time on actual investment issues, preferring to highlight and stress the importance and advantages of financial planning. This is mostly because of our oft repeated mantra at EWM, “good financial planning makes investing easy”. Earlier this week I was reading an article in Ben Carlson’s Blog, A Wealth of Common Sense. It was a study in what to expect in the future after periods of above average returns. This is where we find ourselves in the stock markets today, particularly in the US. After much analysis, many charts and complicated reasoning, he had a simple observation…
Increasing your holding period is nothing more than knowing not to buy equities unless you can give them enough time to run. Working backwards from the series of WHENs, we can easily decide what level of equities is the right level for YOU.
…for long-term investor in the stock market, there are two very basic ways to improve your returns:
Secondly, buying more equities after a major correction or market crash, is indeed the optimum time to add to your equities. The corollary of this is that it is the least optimal time to buy equities after a long run up or outperformance. You may never know when a market has peaked, but you surely can decide if it has recently fallen hard. Add to your equities when values are to your advantage. This is not market timing, this is good purchasing discipline.
(1) Buy low after there’s been a market crash. (2) Increase your holding period. …the range of outcomes improves substantially as the holding period increases. The probability of loss goes down. Extreme outlier events decrease. This doesn’t mean there are no losses during these longer time frames. Nothing works all the time. There will be periods in the stock market that are frustrating
Thus, helping people with: cash flow analysis and budgeting, goal planning, debt management, insurance and risk management to protect their income and dependants; assisting with employer contributory pension plan or group RSP allocations; raising discussions about estate planning, taxes, career, life planning, college and university funding, buying a home; and retirement projections is all about understanding the WHENs. It is also about helping with the equity purchase discipline.
Advice For A Fee
tirement liabilityere
Your portfolio is supposed to provide you with funds when you need them. For most, it is far more important to get the WHENs right, than it is to make as much money as possible and not have the funds when desired. Eventually having more wealth is a sad state if you missed all the dates for paying for what makes you happy. Funds need to be there when planned. Not before and certainly not too late. Identifying the amounts and dates of all future withdrawals from your portfolio is a great advantage when investing. So get the WHENs right and do not damage the horizons with poor purchasing decisions.
Increase your income through intelligent financial planning decisions.
Merry Christmas. May you find the wealth you planned for in the stocking hung. Gordon Stockman, CPA, CA, CFP, CIM
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.
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
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.
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Is it Time to DOWNSIZE (or Smart Size) Your Home By Theresa Baird - Broker, The Baird Team, Keller Williams Realty Solutions www.tbaird.com 647-298-0997 The headlines in the past month have stated that Canada’s housing market is not in bubble territory and faces “very little risk” of a downturn. - The Star, November 25th.
Could such a decline get exacerbated if baby boomers en-mass decide to sell their home to use as a part of their retirement plans? The Globe and Mail recently shared a really good downsizing worksheet. It could be worth working through it to determine if now is the right time to make a move. You will discover with the choice of several scenario’s how much your home price might grow if you stay, or what could happen if you don’t.
When is the right time to lock in the years of price appreciation you have had on your home? The decision is a tough one as you consider whether prices will still keep going up . . . When is the right time to make the move?
Our two websites, www.southmississaugahousevalues.com or www.whatisthevalueofmycondo.com offer you a wealth of information to set you in the right direction for you and your family. If you would like a current market evaluation on your property, just call or visit the websites above. If you need assistance in laying out your plan or require more information regarding the worksheet, please don’t hesitate to call Theresa Baird, Broker at Keller Williams Realty Solutions at 647-298-0997.
The real estate market has been defying the many predictions of a slowdown for years now. Five years ago, the talk of a bubble could be heard on the news, seen in the papers and talked about on the streets. While the market is still HOT in our area, now could be the ideal time to consider the question of downsizing. Many baby boomers are in love with their current homes and the desire to make a move and change their current lifestyle is not really in their plans right now. But consider the carrying costs of your current home. The home you live in now could fund your retirement in the future.
Try Out the Downsize Your Home Worksheet This interactive tool (tgam.ca/downsize-worksheet) * Source John Sopinski/ The Globe and Mail Rob Carrick and Jermy Agus was designed to help people think through some of the financial considerations involved in selling the family home and moving into something smaller home condo or even a rental property. Download the worksheet and put in your own numbers and watch the numbers crunch.*
Home equity lines of credit or reverse mortgages are ways to access some of your equity, but selling and moving to a smaller home today gives you the opportunity to nail down the price that truly reflects potential decades of market appreciation. (If you purchased your home in 1990 and paid $286,000, in today’s market, you may be able to sell that same home for upwards of $900,000). If you wait 1, 2, or 3 years, who knows what the value will be?
Here are a sample of some of the questions you will see. 1) How much might my house grow in value if I stay? 2) What if I stay and prices fall? 3) What will it cost me to move to a smaller house or condo? 4) Net gain from selling 5) What if I invest the gains from selling my house? * Source John Sopinski/The Globe and Mail Rob Carrick and Jermy Agus
Canadians love owning a home - 69 % already do. As home prices continue to rise, (Toronto average home price just hit $587,000) it also makes home ownership increasingly unaffordable. If the demand for housing falls, so will the price. There is a home in my neighbourhood that is for sale, the owner purchased it in 1992 for $265,000. Just a few years earlier the previous owners they purchased it from had paid $365,000. They are ready to lock in their appreciation and have decided it’s time to move to a smaller home. They hope for lower carrying costs and the chance to be able to assist their children in being first time home buyers.
Charles Sousa, MPP Mississauga South
Happy Holidays 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 12
Michael’s Hair Body Mind Holiday beauty recipes By Robyn Dadic
www.clarksonbia.com
Perhaps a satin pillow case is on your holiday wish list to Santa. Once the stage is set, polish your style with a flawless make-up finish. False eyelashes will create a charismatic finish to your eyes. Consider semi-permanent lashes that will last for weeks throughout the holiday festivities. Frame your lashes with a liquid liner in black or charcoal grey, both will enhance your eyes giving you a sophisticated look. Lushes lips in bright reds, crimsons or wine hues are party ready with the perfect liner to create noticeable lips giving you the perfect pout.
It’s beginning to look a lot like Christmas. It’s very likely there will be parties to attend, family to see and sharing special moments with special people. So much to do and so little time that we forget to take time for the most special person in your life, YOU. The gifts you give are a reflection of your taste, the way you look let’s people know your fashion style. The best compliment you can receive is “You haven’t changed a bit.” The dilemma to show off the best you this season is what’s New? Have you started thinking about holiday hair and what to wear?
Remember, your skin color is not as important as the hues you choose to compliment your look. Adding loose powder with a bit of shine on your cheekbones will accent your eyes and slim your facial profile. Remember, during the year a perfect pallet starts with good skincare. Winter is coming and our harsh weather combats a hydration struggle with your skin when you go indoors. This dry air is the number one culprit in the winter months for lack of hydration in your skin. Hydration and exfoliation is your rescue 911 to slow down the signs of aging. Moisturize the skin while it is slightly damp and use lukewarm water to cleanse your delicate skin.
Just like a beautifully wrapped gift, your head to toe style is a reflection of who you are. Leave a lasting impression in the family photos. Remember these photos are forever and will leave you smiling for years to come. Why not start with a fabulous hairdo. Just like a pretty present, your hair can be adorned with a bow hairstyle or a braided lock weaved through your loose tresses. Perhaps a dishevelled ballerina bun inspired by a more undone understated elegant look is you. Deep side parts or layered waves gathered in pieces can finish off the perfect blow-out.
Pen your list to Santa with a treat for you. A pampering facial will leave your face thanking you in the cold months ahead. If your holiday beauty menu leaves you feeling overwhelmed, our busy beauty elves are in our workshop waiting to help you fulfill your wish list.
Day old hair makes up-do styles the perfect pallet to work with. A professional blow-out by your stylist is the best kept secret to easing up your morning beauty rituals. It will leave your hair looking fabulous for days during a busy holiday season.
The team at Michael’s Hair Body Mind would like to wish you a safe & happy holiday season Celebrating 55 years Hair by: Alyssa Valadao Make up by: Claudia Gonzalez
Season’s Greetings
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1735 Lakeshore Road West Mississauga Ont L5J 1J4 905 822 0112 info@michaelshbm.com 13
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