Clarksons Corner 1015

CLARKSON’S

CORNERS

Vol u m e 0 7 • I s s u e 0 3 • Fall 201 5

www.clarksonbia.com

I N THI S I S S UE Salute to small business 04 Rattray Marsh

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2015 Stars

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Lorne Park Jewellers

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Best Home

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Community Corner

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Solstice Restaurant

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Museums of Mississauga 15 Water damage checklist 17 Value for money

Fall into Clarkson

By Lynn Still, Promotions Director Clarkson BIA

Message from the Clarkson Business Improvement Association We are excited to invite all our residents, family and friends to our Annual Halloween Fun Fest on Saturday, October 31st from 10am to 2pm. It is always a very popular event and this year will be no exception!

There are over 60 businesses participating in giving out candy to “Trick or Treat” children along Lakeshore Road from Meadow Wood Road to Inverhouse Drive.

Along the way there will be Bouncy Tents and Slides, Games, Carnival Games, Clowns, Magician, Pony Rides, Colouring Contest, Pumpkin Carving, Face Painters and Balloon Twisters. Whilst strolling the street you can enjoy free coffee, refreshments and popcorn and the little ones can participate in a colouring contest and “best costume” contest.

A donation of a non-perishable item for The Compass would be greatly appreciated!

Continued on page 05

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OFFICIAL NEWSPAPER

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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 07 | Issue 03 For advertising information, please contact Toby Gardiner by e-mail at toby@rjentertainmentpublishing.com www.rjentpub.com

Editorial Contributors: Lindsay Howe • Albert Peres

The Village of Clarkson is comprised of over 200 small businesses and these businesses employ many 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 Clarkson’s Corners, please contact Toby Gardiner at the email address below.

Toby Gardiner | Publisher toby@rjentertainmentpublishing.com

Graphic Design

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.

Lynn Still

Sales Representative. Accredited Senior Agent.

Personalized Service, Maximum Results

Make the Right Choice when considering a move.

Lynn Still. Clarkson & Lorne Park Community Expert 1673 Lakeshore Road West, Mississauga ON L5J 3B4 Office: 905-822-5000 • Fax: 905-822-5617 • lynn@lynnstill.com • www.lynnstill.com

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ASA

Accredited Senior Agent

Fall into Clarkson continued from front cover

To round off your day, consider visiting “The Souterrain Impressions Exhibition” which is a Heritage Mississauga presentation located at the NE corner of Lakeshore & Southdown.

The Souterrain Impressions Exhibition features First World War carvings created by Canadian soldiers in the tunnels of Vimy Ridge in 1917. The exhibition runs until November 30th and Clarkson is the only GTA stop. More information can be obtained at www.heritagemississauga.com November 26th is our Annual ‘Christmas in Clarkson, Community Tree Lighting’ event which starts 7pm in the Village. More information to follow.

On November 28th we will be promoting “Shop the Neighbourhood”. Watch for news on special discounts and deals at participating stores.

Museums of Mississauga are hosting a number of wonderful events at Bradley Museum and Benares during the upcoming months. Information can be found at www.museumsofmississauga.com There is so much going on in the Clarkson and Lorne Park community and we encourage you to get out and enjoy! Visit www.clarksonbia.com

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Jack Darling Memorial Park and Rattray Marsh

By Lynn Still

Rattray Marsh James Halliday Rattray was born in Portsmouth, Ontario, in 1887. He served in World War I and rose to the rank of Colonel, but was always known locally as Major. He purchased the Fudger Mansion in 1945.

I recently walked through Jack Darling Memorial Park and Rattray Marsh. What a gem right on our doorstep! If you have not visited for a while I encourage you to reacquaint yourself.

Major Rattray never married and therefore had no immediate family.

However, the house was always full of guests, many of them from the world of politics and the performing arts of which Major Rattray was a great supporter. Rattray died in September 1959 at the age of 72 years, leaving a large estate of 148 acres and a long battle over what would happen to the property. The property fell into private ownership and was up for development when the mansion was destroyed in 1969. After years of negotiation and lobbying by naturalists and concerned citizens the property was opened in October 1975 as the Rattray Marsh Conservation Area, owned by the Credit Valley Conservation Authority.

The Park and Marsh are located south of the Lakeshore Road, between Lorne Park Road and Meadow Wood Road.

Parking is located at Jack Darling Park.

I powered walked from one end to the other and back in 40 minutes.

Whether you walk, run, saunter, sit and relax, or watch your children or grandchildren in the playgrounds, it is a very enjoyable experience.

Lynn Still is an avid supporter and volunteer in Clarkson and Lorne Park community. She is a Sales Representative with Sutton Group Quantum in Clarkson.

Jack Darling Memorial Park In 1887, Joseph Thompson bought 35 ha (86 acres) of land in Lorne Park, which became known as Thompson’s Wood, which was renamed Jack Darling Memorial Park in 1970.

Jack Darling had deep ties to the Mississauga and Clarkson communities.

He formed one of the first ratepayers groups in the city and served as its president. He also served as president of the Mississauga Hockey League and was a strong force behind the establishment of the Sheridan Research Park.

Denis MastroMonaco MUsic Director & c o n D U c t o r

MSO

Masterworks

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The 2015 Stars of South Mississauga Business Awards Awarding Excellence in the Community The 4th Annual Stars of South Mississauga Business Awards will take place on Wednesday, October 14th 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 Port Credit and Clarkson Village BIA and the office of Mississauga South MPP Charles Sousa. 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 awardworthy local small businesses and submit their nominations through MPP Sousa’s constituency office.

In conjunction with the Port Credit BIA and Clarkson 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 local businesses nominated as Stars in our community! Your passion and perseverance makes our community shine!

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

Lorne Park Jewellers celebrates 10 years Store owner Vanig Jelilian opened Lorne Park Jewellers in November 2005 and has established his store as a landmark in the south Mississauga community. Vanig originally opened his business in 1978, in downtown Toronto before moving to his current location. Preferring to have a closer relationship with his clients, Vanig settled in Lorne Park. “I wanted a more intimate relationship with people, to share my passion for jewellery with my clients,” he explains. “I’ve served many of the same families for years.”

While he admits that diamonds are forever, Vanig is also quick to argue that there is also a whole world of precious and semi-precious gems available that are just as breathtaking. Offering pearls, rubies, emeralds, sapphires, garnet, amethyst, blue topaz, citrine, tourmaline and more, Vanig will help you select the stones personally with the finest, most exquisite cut, at an affordable price.

Vanig greets many of his customers on a first-name basis, having taken the time to get to know their personality and their preferences. Whatever your taste in jewellery, Vanig’s passion for superlative craftsmanship and penchant for perfectionism is unparalleled. A true master craftsman who creates many of the designs that are displayed in his shop, Vanig started as an apprentice at the age of 16.

If nothing but a diamond will do, Lorne Park Jewellers believes in showcasing stones that are mined, cut and polished in Canada instead of imports. “Some of the most beautiful diamonds in the world come from the Northwest Territories and parts of Northern Ontario,” Vanig says.

His vast knowledge about the jewellery industry is as rare as some of the precious stones he works with to create jewellery from his workshop in the back of the store. “Sometimes, I wake up at 2 a.m. with a design in my head,” Vanig laughs, “and I can’t get back to sleep until I’ve sketched it on paper.” Vanig truly lives in his passion.

“We’ve been in the business for a combined 50 plus years,” Vanig says, “so its advice you can trust.”

Lorne Park Jewellers offers a stunning selection of gold, platinum and gemset jewellery for any budget or preference. Vanig’s assistant, Hortensia Grilo, specializes in gem-cutting and lapidary and together they can provide custom designs and creative remounts in classic, contemporary or original settings.

From the finest Canadian diamonds to coloured gemstones, pearls, engagement rings and wedding bands, earrings, bracelets, brooches, pendants, necklaces and rings for any taste, Lorne Park Jewellers is your best choice as a destination for your jewellery.

“We can take older pieces and reset them in a more modern setting, right on the premises,” he explains. Goldsmithing and designing services are located in the rear of the shop.

Join Lorne Park Jewellers for their 10th Anniversary Celebration November 19th-21st. Lorne Park Jewellers is located at 1107 Lorne Park Road, Unit 20. Visit www.lorneparkjewellers.ca or call 905-891-0001.

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When Losing a Spouse Deals a Financial Blow

Theresa Baird – Broker Keller Williams Realty Solutions 647-298-0997 I have a highly capable and effective service provider team that I work with and wanted to introduce you to a very unique aspect of Jennifer Black’s Business.

think. Sometimes a cheque may come in later and if the bank account has been closed, it can be difficult to cash the cheque.

We come across as Realtors to many clients who have found themselves without their husband or wife and are struggling with all the advice they are given or lack thereof. Jennifer is a Certified Financial Planner and Canadian Investment Manager. She is also the co-author of Managing Alone, a financial guide for individuals dealing with the difficulties of losing a spouse. When a friend’s husband died suddenly, a few years ago, Jennifer saw that families needed some financial guidance to help them through this difficult time; figuring out cash flow, building new financial plans and getting their feet on steady ground. So she started a website called Widowed.ca as a free online resource for new Canadian widows and widowers, in conjunction with her Mississauga financial planning firm Dedicated Finance Solutions.

- Find a “decision partner”, someone to use as a sounding board for discussing options and ideas.

- If you haven’t already been part of the family’s financial dealings, start making a file.

As statements are received (bank accounts, investments, RRSTs, insurance, etc.) add to the file and when you are ready, get professional help dealing with them.

If you, or someone you know is, dealing with, a grieving widow – Managing Alone is a book on financial planning for widows and widowers, written by a mother daughter Financial Planning team, Jennifer Black & Janet Baccarani. After developing Widowed.ca they realized there still wasn’t anything else out there that would provide financial guidance to a widow or widower during such a difficult time.

The book is easy to read. It is composed of stories of people who have come to them after the death of their spouse and have been interested in sharing their stories to help others avoid the problems that they faced.

The sudden death of a spouse comes as a shock at any age. The spouse left behind may simply want to grieve, but some decisions need to be made right away. The mountain of financial questions that come after a partner’s death can, at first, appear insurmountable; how do my taxes change? Am I entitled to benefits? Should I change my investments? Recalculate cash flow? Downsize my home? The first step, before asking those questions, is to get organized. Here are a few excerpts from Jennifer’s recent article featured in the Globe & Mail.

Each story is followed by financial advice on what to do next and what is most important. The back of the book also has additional resources with checklists.

Tips for the recently widowed: -Keep a bank account with a spouse’s name longer than you would

Here are a few reviews for “Managing Alone” Using real life stories and real life solutions, based on their extensive experience as financial advisors, Jennifer Black and Janet Baccarani, offer insight, counsel, direction, encouragement and most important, specific information to guide recent widows and widowers through the financial transition to the next stage of their lives. This book could be the most valuable gift anyone could give or receive.

George Hartman, Managing Director, Accretive Advisor

The Artists Friend Gallery & Custom Framing

I could relate to all the stories and advice throughout the book. I would recommend this book to anyone that has recently lost their spouse. I wish that it had been available when I became a widow – it would have saved me from some painful mistakes that cost me a lot of money.

Mary Francis, Author of “The Sisterhood of Widows”, and Certified Grief Recovery Specialist I have a number of clients who I have offered this book to at no charge and if you contact me I would be pleased to share a free copy of Managing Alone, with you as well. I have a full roster of great service providers so if you’re looking for painter, handymen, landscapers, electricians, movers etc. Never hesitate to give me a call.

Creative Solutions For All Your Framing Needs 1720 Lakeshore Road West, Clarkson Village 905-274-7011 • info@artistsfriend.ca www.artistsfriend.ca 10

Make Your Next Home Your Best Home

30 Years Older

By Marion Klinnert, Private Moments Lingerie and Ladies Wear

Wherever I go, people ask me, "How's the Real Estate Market?" Never has there been such a daily interest in this question!

Clarkson, like most GTA suburbs was mostly built in the 1950's and 60's so our population is aging. Residents who bought then are now Seniors; others who came here during the 70s and 80s are now Boomers. Times change and our needs change with them.

The continuation from my last article penned “30 Years Young”!

I am 30 years older from the time I started my business in 1985. Did I ever think that I would still be here, namely Port Credit and think what I think now? I don’t know what I was doing then would be called thinking. The expression used often about me by my peers and business associates was “Flying by the seat of her pants”. Many of us with fledgling businesses were doing just that. No books were written about life, no life coaches, no peer support, and little guidance. No internet, no social media.

Canadians were always great believers in saving money, but, for a number of years now our investments have not grown. Simple bank account interest rates slipped below the rate of inflation. That's why many of us who live in the GTA have pinned our hopes for a well-funded retirement on the "real estate market." For example, if you bought a modest home like mine from the builder in 1963 you would have paid about $16,000. If you sell that house today, it's worth about $650,000. And the profit on a principal residence is not taxable!

According to the Toronto Real Estate Board, "Greater Toronto Area REALTORS® reported 7,998 residential transactions through the Toronto MLS system in August 2015. This represented a 5.7 per cent increase compared to 7,568 sales in August 2014.” The average selling price for August 2015 for all home types combined was $602,607 – up by almost 10.3 per cent compared to the average of $546,482 in August 2014. (Source: TREB, Market Watch)

So what I did was just that; fly by the seat of my pants. Fail, get up and start over. Flounder, keep going. Sure, things were tough but being young and naïve did work in my favour. Faith, tenacity, hard work and a whole lot of luck! But also the right people crossed my path. Now they are called mentors.

The September market has started strongly with high demand for homes in our neighbourhood and few listings available, but some Boomers and Seniors are reluctant to move despite the attractive selling prices. Most of them cite reasons such as the desire to still have a garden, the reluctance to move to another neighbourhood or housing style, and the seemingly overwhelming problem of having accumulated “too much stuff.” In fact, all of these problems can be overcome with help from your local Real Estate Professsional.

They steered me in the right direction and haven’t failed me. One gal, Sandra Meyers truly left a mark. She straight out said “if you’re going to be in this business BE in this business”. Know everything there is to know and be the best. Stay on top of the industry. Stay alert and stick to it!

There will be hard times yes but the good times will be great. I will always be indebted to her. At the same time, a sales rep showed up at the door selling mastectomy products. I signed on and learned everything I could and haven’t looked back.

As an Accredited Senior Agent, I advise clients: “make your next home your best home.” Do the research first. If you are thinking of a move to a different community, visit it! Check out all the new vibrant developments that are taking place in Wasaga, Colborne, Grand Bend, Coburg, and many other small communities. The air is cleaner and the pace of life calmer, the houses are much less expensive, and the builders have enough land to build the bungalows and bungalow townhouses that the Boomer and Senior generations appreciate.

There are many options such as purchase, land lease, and rental.

They say some things happen for a reason. 30 years after the opening of my business I’m feeling that I am making a difference, though not legacy time yet! Helping women who have been diagnosed with breast cancer, providing products and information to help with the healing process and quality of life is truly very rewarding. In a perfect world I wouldn’t have to do what I do, but it’s not a perfect world.

Secondly, I advise: “Assess your needs, wants, and financial resources carefully.”

If you are thinking of a move to a condo apartment, there is a larger variety available than most peoeple realize. Many apartments in older buildings are larger than our Clarkson houses. Older suites usually require renovation, but with some forward planning of dates, clients are often pleasantly surprised at how smoothly this process goes. I can give you de-cluttering and renovation resources.

As I often say “Times Change, Needs Change, Trends Change, but True Values never change.” Make your next home your best home with the help of an Accredited Senior Agent.

It is October as you read this, the month set aside to bring awareness to the ugly monster we call Cancer. If you have the opportunity to give funds please consider Trillium Health Partners/Betty Wallace Breast Screening Center. The centre is a member of the Trillium group of hospitals in our own back yard and provides an invaluable service to women in the surrounding area. Please remember that early detection saves lives.

"SMART-SIZING" SEMINAR WED. OCTOBER 28 11 - 2pm

In closing, I would like to say that I’m not flying by the seat of my pants any more but that would be a fib. I’m trying to learn how to play Bridge! Wishing you all a good day and most of all, good health.

All welcome, but please register as a light lunch will be served

Private Moments Lingerie and Ladies Wear is located at 259 Lakeshore Rd. East in Port Credit. Phone 905-278-8055 or visit our website www.privatemoments.ca.

Lingerie & Ladies Wear • Est. 1985 We Specialize in Bra-Fitting & Post-Mastectomy Products Fabulous selection of styles and sizes.

Leisure, Swim and Travel Wear available year round!

259 Lakeshore Road East Port Credit • 905.278.8055 www.privatemoments.ca

Mon. Tues. Wed. & Sat: 10 - 6 Thurs. & Fri. 10 - 8 • Sunday Closed

NEW LOCATION! Bradley House 1620 Orr Road In The Log Cabin Meeting Room

FRENCH DRESSING JEANSWEAR

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COMMUNITY CORNER 2015 Lakeshore Art Trail Lakeshore Art Trail will be holding its 16th annual free self-guided Art Show & Sale studio tour, the weekend of October 17th and 18th from 10 am to 5 pm both days. The Art Trail runs between Port Credit and Clarkson and features 25 local artists exhibiting original artwork at 14 locations including individual studios and homes, and Lorne Park and Port Credit Libraries.

There will be a free prize draw at each site. For more information and an Art Trail map visit the website at www.lakeshorearttrail.com or contact Mary Anne Dente at 905-891-5959 or email maryanne@maryannedente.com.

Look for Art Trail brochures and window posters at various business sites in the area by the end of August. LIKE us on FACEBOOK Facebook.com/ lakeshorearttrail.

Walden Circle birthday wishes Walden Circle Retirement Community believes in helping make dreams come true. On Friday, September 18th Lily Gallagher celebrated her 85th birthday.

Her wish was to conquer the Edge Walk at the CN Tower. Her wish was sponsored by Author Carol Ann Hamilton and with best wishes from her friends at Walden Circle Retirement Community she conquered her dream!

Fall Speaker Series Wednesday, October 28, 7pm Lorne Park Library, 1474 Truscott Drive What is your home worth? With Lenny Delmedico, MPAC Every four years, the Municipal Property Assessment Corporation professionally re-assesses every property in Ontario. The reassessment will be used by the City to calculate your taxes. Your home is your greatest asset! Do you understand your MPAC assessment?

An excellent speaker, Mr. Delmedico, will explain the process clearly and simply, and answer questions as time permits.

Sponsored by the combined Ratepayers Associations of South West Mississauga.

Please bring a donation of non-perishable food for the Compass.

Wednesday, November 25, 7pm Lorne Park Secondary School, 1324 Lorne Park Rd. Mayor, Bonnie Crombie will speak on “My Top Three Priorities” Come and meet our dynamic Mayor and hear her plans and ideas going forward in the future! Questions will be heard as time permits.

Sponsored by the combined Ratepayers Associations of South West Mississauga. Come and meet Mississauga’s dynamic Mayor and hear her vision for Mississauga’s future. There will be a question period for anyone in Ward 2 who wants to ask a question” Please bring a donation of non-perishable food for the Compass.

Son In Law Don Gilbert with Lily Gallagher

Nadia’s Antique Sale Nadia’s Antiques was established 26 years ago. The store spent its first 20 years in Toronto but moved to Mississauga four years ago to be closer to the local community. They specialize in European porcelain (Royal Doulton, Herend, Dresden, etc.) as well as Sterling, and antiques dolls. They carry a lovely selection of gifts for all occasions. The doll hospital will provide new life to your treasured friend and heirlooms. Visit at 1801 Lakeshore Road West in Clarkson or online at www.nadiasantiques.com and take advantage of their biggest sale ever. Call 905 823-0222.

Let’s Talk Trash Ward 2 update by Karen Ras Most people aren’t that keen on having to change their daily routines.

There will be a new program in place that will affect how and when you put out your garbage, compost and recycling. Starting January 4, 2016, those residents who currently receive curbside waste collection services will experience several changes:

Clarkson Library Clarkson Library celebrated their 50th Anniversary celebration on Saturday, October 3rd. The Library hosted a number of fun, family-friendly activities and programs for all ages.

• The anniversary focuses on the library’s move into the Park Royal Community (within Clarkson) in 1965.

• There has been a library in Clarkson in some form since 1919.

• Started on the second floor of a shop on Clarkson Road North.

• Moved to Clarkson United Church on Clarkson Road North in 1925, which became St Christopher’s Roman Catholic Church in 1956.

• Clarkson is one of the smallest libraries in the Mississauga Library System but consistently ranks in the top five for Reading Club registrations, promoting literacy and engaging kids to read for fun all summer long.

• It’s a small library with plenty of programming for families, youth, adults, older adults and newcomers.

For more information about Clarkson Library, please visit mississauga.ca/library or call 905-615-4840.

• Garbage and recycling will be picked up on alternating weeks (one week garbage, the next week recycling); • Organics or your green bin will be picked up every week; • You will need to use the carts provided rather than ones you have used in the past for your waste.

• Monday will be the collection day for all of Ward 2 residents.

You will be receiving your three new carts between October 21st and December 5th but please don’t use them until January as the current waste collection trucks cannot pick them up just yet.

There are a few condominium townhouse locations in Ward 2 that will be on a bag-based program until further notice.

In early 2016, once the program has been rolled out, the Region will offer a collection program for your old blue boxes and green bins.

Where possible, please consider repurposing your old bins for items such as garden waste.

If you are not happy with the size of your bins, there will be an opportunity to exchange them after March 31st, 2016. There will be no charge to exchange the carts for the month of April.

This new waste program will be affecting over 1.4 million residents in the Region of Peel. Like any new program, we will likely experience some bumps along the way. We are all going to need some patience as we transition to the new collection system.

We won’t be without our challenges but the Region of Peel team and I will be there to help out. If you have questions, comments or concerns, please contact www.regionofpeel.ca/waste or myself at karen.ras@mississauga.ca.

12

Solstice Restaurant and Wine Bar Celebrates 10 Successful Years in Business

By Lindsay Howe

Solstice Restaurant and Wine Bar is a family owned and operated, fine dining restaurant offering exceptional quality and value. The combination of excellent food and friendly service keeps customers returning to Solstice Restaurant. The Angheloni brothers Vince, John Paul and Andrew opened Solstice Restaurant in Clarkson in 2005.

They jumped on the opportunity to own a promising space in a great neighbourhood.

Solstice Restaurant and Wine Bar has seen adaptions over the years to improve the look and functionality of the space. The Angheloni brothers’ vision for an elegant private dining room came to fruition in 2007. This adaption completely changed business, setting Solstice apart from other fine dining restaurants. Not only does Solstice Restaurant seat 150 guests, but it also has the largest dining room in the city!

Co-owner Vince Angheloni reflects on the past decade explaining, “We have evolved a great deal as a business and family over the years. The most rewarding part of our business has been retaining so many amazing regular guests and sharing our culinary dreams with them!”

Andrew, John Paul and Vince To celebrate its milestone 10th anniversary, Solstice will also be revamping their menu to include such signature Italian dishes as house gnocchi and brick pressed organic chicken. Currently, Solstice is celebrating their annual Sea Food Festival, which runs until October 5th. Come out to Solstice Restaurant to experience their mouth-watering selection of fresh seafood and fish. The Sea Food Festival menu features a prefixed 3-course menu, with prices ranging from $36- $48.

At Solstice Restaurant you can order traditional Italian cuisine and wine that you wouldn’t expect to experience in Mississauga. The food and wine is inspired by Europe, reflecting what the top Italian restaurants are serving in Italy today.

Co-owner John Paul is Solstice’s celebrated head chef who combines his unique talent for cooking and creativity to create delicious Italian dishes his guests will savor. John Paul underwent a three-year apprentice training in Italy and travelled all over the country. The Angheloni brothers are experts on Italian cuisine from studying the field to embarking on research tours across Italy to understand what is happening there, in order to bring authentic Italian dishes back to their guests.

Solstice restaurant is heavily involved in community events and activities happening in Clarkson Village. Not only are the Angheloni brothers involved in all BIA (Business Improvement Area) events, they are the founders and organizers of the popular Taste of Clarkson culinary festival. Solstice restaurant is also connected with countless charitable events and are more than happy to help out with donations whenever they are asked.

Solstice Restaurant serves only the freshest ingredients available. Their comprehensive menu of appetizers, soups, salads, seafood, pizzas, steaks and pastas feature some of the best Italian cuisine in the GTA. The chefs at Solstice let their fresh ingredients and quality food do the talking; they don’t over decorate their dishes with garnishes. Instead, the emphasis is on the quality of the food and the succulent taste their dishes offer.

Vince, John Paul and Andrew would like to take this opportunity to thank everyone for 10 years of support. They consider it an honour and a pleasure to take care of their guests and they look forward to many, many more years of doing so. Congratulations to Solstice Restaurant and Wine Bar for reaching this milestone!

Looking ahead, Solstice will be undergoing renovations over the next year, including revamping their private dining room in the new-year. Throughout next year, renovations will be taking place to the remainder of the restaurant.

The upgrades made will give the interior a more European inspired ambiance.

Experience a little taste of Italy; visit Solstice Restaurant and Wine Bar. Solstice Restaurant is located at 1801 Lakeshore Road West in Clarkson Village. Follow Solstice on Twitter: @SolsticeWineBar or join their Facebook page. For menu choices visit Solstice on the web at www.solsticerestaurant.ca.

Contact the restaurant by phone at 905-822-1801.

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SVEN SPENGEMANN Vote for Real Change in Mississauga-Lakeshore A LIBERAL PLAN TO CREATE JOBS, GROW THE ECONOMY AND STRENGTHEN THE MIDDLE CLASS n

Largest infrastructure investment in Canadian history •

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Greater security for Seniors •

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$60 Billion in new funding for public transit, green infrastructure, childcare, affordable housing and seniors care spaces

Immediate 10% boost to Guaranteed Income Supplement for single, low income seniors Restore eligibility age to 65 years for OAS & GIS Review Canada Post’s Door-to-Door delivery service model

Fairness for the Middle Class • •

Tax-free monthly cheques-up to $6400 per child/year Lower taxes for middle class Canadian families

TO VOLUNTEER OR ORDER A SIGN, CONTACT THE SVEN SPENGEMANN LIBERAL TEAM Our phone: 905-766-4096 Our email: campaign@votesven.ca Our Campaign Office: Applewood Village Plaza, 1077 North Service Road (near the new Longo’s - between Dixie and Cawthra) Authorized by the official agent for Sven Spengemann

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Museums of Mississauga upcoming events

Doors Open 2015 At the only scheduled location within the GTA, Heritage Mississauga is pleased to present Canadigm’s “Souterrain Impressions”, a crossCanada art exhibition of 3-D reproductions of the chalk carvings of regimental badges and messages to family, done in the caves of Vimy Ridge during the First World War in 1917.

Reservation for 2015 can be made by calling the Museums of Mississauga Monday to Friday 8:30am to 4:30p m at 905-615-4860, ext. 2 1 1 0 or by email atmuseums.mississauga@mississauga.ca. Payment is required at the time of booking.

“Downton Abbey” tea at Benares Historic House November 8th and December 6th from 2:30pm to 4:30pm.

Join us and discover the “upstairs and downstairs” stories of the Harris and highlight the lives of the family during the war years. Enjoy a traditional cream tea while discussing the love interests of the Crawley women and the goings on below stairs. Don’t forget to wear your best hat and gloves, historic or contemporary! Price: $15 pp + tax. Reservations required.

Traditional afternoon tea at the Bradley Museum October 18th, November 22nd and December 20th from 2:30pm to 4:30pm.

Enjoy the honoured tradition of “afternoon tea” combined with a tour of the Bradley Museum. Explore the original farmhouse built in 1830 by Lewis and Elizabeth Bradley, the anchorage, a regency style cottage built in 1837 and the award winning log cabin where you will indulge in your traditional afternoon cream tea!

Price: $15 pp + tax. Reservations required.

Zenon Andrusyszyn Photo Credit: Sanborg Productions

Home for Holidays - Bradley Museum, Benares Historic House and Leslie Log House December 13, 12 to 4 p.m Carollers, historic tours & 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.

Carvings completed by heroes like Pte. Oscar Green, a veteran of No.2 Company who raised the alarm and fought a German combat unit armed with only “a broken rifle, minus bolt and bayonet”; Pte. Green was stabbed “a dozen times with German bayonets”, finally succumbing to a gunshot wound to the head on August 15, 1917. Although originally born in Finland, this 31 year old blue eyed man gave his life fighting for the Canadian Forces at Vimy. Pte. Green paid the ultimate price for peace and as he waited in the subterranean world below the battlefield, he carved his regimental badge both as a way to pass the time but also in pride and memory of his fellow brothers in arms.

Family Photos with Santa and Mrs. Claus in the Leslie Log House Sunday, November 29th and Sunday, December 6th from 12 pm – 4 pm 4415 Mississauga Road Pet Photos with Santa at the Leslie Log House Saturday, November 28th and Saturday, December 5th from 12 pm- 4pm 4415 Mississauga Road

The exhibition also includes other carvings and images of the cave systems at Vimy and the story of Canadigm’s work in developing the exhibition.

Working in conjunction with The Durand Group, a British organization, Zenon Andrusyszyn and Stephen Weed from Canadigm have worked tirelessly with a number of volunteers to bring this exhibit to Canada.

Heritage Mississauga has also been fortunate to secure grant monies from the Community Foundation of Mississauga which has allowed them to bring this free exhibit to the community.

Family Photos with Santa and Mrs. Claus in the Bradley Museum Log Cabin Sunday, November 29th and Sunday, December 6th from 12 pm – 4 pm 1620 Orr Road

Come and see these incredible carvings and stories, at this unique exhibit at the Stonebrook Condominium Sales Centre, 2007 Lakeshore Rd West.

(N.E. corner of Southdown Rd & Lakeshore Rd. W.) Mississauga. The grand opening was September 26 at Mississauga’s Doors Open event and will remain in the City until the end of November; an historic interpreter will be available to answer any questions, before it moves on to the Canadian War Museum in Ottawa.

Pet Photos with Santa at the Bradley Museum Log Cabin Saturday, November 28th and Saturday, December 5th from 12 pm- 4 pm 1620 Orr Road Bradley Museum is located at 1620 Orr Road and Benares Historic House is located at 1507 Clarkson Road North both in Mississauga. For more details call 905-615-4860 or email museums.mississauga@mississauga.ca.

For more information about this exhibition please contact Heritage Mississauga at 905-828-8411 ext “0” or by email at info@ heritagemississauga.org Visit our website for additional information on the exhibition and stories of local First World War soldiers.

Insta

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Water Damage Checklist for your home Water damage has now surpassed fire as Canada’s leading cause of personal property claims. Examples of water damage include flooding, sewer backup, broken pipes, leaky plumbing, and more. To help avoid water damage in your home, take a few simple precautions to decrease the chances of it happening to you.

INSIDE YOUR HOME • Buy or increase your sewer backup coverage as needed. Know your limit • Install a sewer backup prevention valve on the main line of your home • Install water monitors that alert you if a leak occurs and shut off the main water supply if moisture is detected • Inspect all plumbing for signs of cracks or leaks, and replace older plumbing • Inspect older appliances, particularly washing machine and dishwasher hoses, and replace them with steel braided hoses.

• On appliances and/or plumbing fixtures, replace old and worn rubber hoses with flexible steel-braided hoses • Avoid pouring fats, oils and grease down household drains • Check water supply lines regularly for leaks and loose connections • Check caulk and grout around bathtubs and showers and retouch as necessary • Reduce home water use during heavy rainfall and rapid thaw to reduce pressure on sewage systems and potential for water back-up.

Talk to your insurance broker to review your policy and learn what coverage exists in regards to water damage OUTSIDE YOUR HOME • Before the winter, drain all pipes and garden hoses • Keep storm sewer grates clear of leaves and debris • Disconnect downspouts draining directly into the sewer system and redirect them at least 6 feet away from your home’s foundation; test downspouts to ensure proper drainage from the roof • Ensure your lot is graded to aid drainage away from your home • Make considerations for reverse-sloped driveways • Ensure there is at least 200 mm (8 in) clearance between finished ground level and the bottom of the downspout; otherwise consider installing window wells • Ensure waste water lines are not blocked by tree roots • Ensure you roof doesn’t have loose or curled shingles • If you have a septic system, have it pumped and serviced regularly FOUNDATIONS AND BASEMENTS Your home’s foundation and basement are areas where significant, and often expensive, damage can occur. The origin of leaks is often traced to the foundation. Minor cracks in the foundation are not normally cause for concern; however, major cracks can represent substantial movement and can allow water to seep into your basement. Filling in foundation cracks and stopping them from spreading helps to prevent water damage and serious structural issues. To diminish risks of water damage in your basement: • Find and seal any cracks in foundation walls and basement floor • Avoid storing items directly on the basement floor (store items in plastic storage containers on raised shelving) • Be sure to keep floor drains unobstructed • Always check your basement for leaks after heavy rainfall or a rapid thaw Credit to IBC and Intact Insurance for their contributions to this compilations of helpful information.

Submitted by Roxanne McKenzie, CAIB President, JW Davis Insurance Brokers Limited roxanne@jwdavis.ca

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RALPH CULP AND ASSOCIATES INC. TRUSTEE IN BANKRUPTCY

READERS’ CHOICE AWARD

2014 & 2015

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Value For Money Investing

Gordon O. Stockman, BComm., CPA, CA, CFP, CIM Vice President – Financial Planning, Efficient Wealth Management Inc. Ontario is launching a review of regulations relating to financial advisors and planners to help investors and consumers make informed investment and financial choices, as well as enhance oversight in this sector.

such strategy. In a sales strategy, the outcome is the shared result for the participants in the strategy. In the case of advice, for the outcome to be clear, positive and non-harmful to the recipient, the outcome needs to be focused on the recipient of the advice. Usefulness is only possible if the advice is trusted.

Unlike many financial service sectors in Ontario, financial advisors and planners are not subject to general regulatory oversight, which could leave consumers and investors vulnerable. This review will focus on addressing this gap by examining more tailored regulations. To conduct such a review, the Ontario government appointed an Expert Committee to Consider Financial Advisory and Financial Planning Policy Alternatives. The committee is taking submissions from the public. Last issue we shared my submission about the possibility of registration to provide “security advice only”. This issue I will share Efficient Wealth’s submission to the committee, which concerns itself with the need to increase responsibility and obligations for any firm or individual providing Advice.

Financial advice is different from financial planning. Advice encompasses the ideas of faith, trust and confidence that create a dependency when advice is rendered. Planning encompasses only compilation, assembly and delivery without the acceptance of responsibility by the preparer. However, financial planning may result in financial advice. It is the provision of this advice portion that raises the bar. As soon as a service is proffered as containing advice, the obligation inherent should be seen as offered and accepted and be deemed sufficient for the creation of a fiduciary relationship. Advice creates a much higher responsibility to the recipient than planning or salesmanship.

Financial planning, done well, is broad reaching, comprehensive, difficult and like all important tasks would hopefully be conducted by competent individuals with adequate training, education and experience. As a CPA, CA most of my work product is non-regulated and able to be performed by any individual that wants to hold themselves out as an accountant. The use of the term Chartered Professional Accountant is reserved solely for those members of CPA Associations but anyone can call them self an Accountant. Anyone can perform accounting tasks. It is our demonstrated professionalism and the marketplace that will work out whom to engage for accounting and tax work.

Likewise anyone can do financial planning but Certified Financial Planners have demonstrated a commitment to education, training and ethics as expected from a professional. Again this professionalism and the marketplace will work out whom to engage for the important task of financial planning.

Advice is a Great Responsibility. Our premise is simple. The word advice is the issue, not the words financial or planning.

When I am purchasing something, anything, I do not want advice from the salesperson. I may want features and benefits. I may want to discuss price, terms and conditions. I may wish to gather more data on usefulness or suitability to meet my requirement. I may desire quality and warranty assurances. I am a willing participant in the sales strategy and the whole sales process, from beginning to closing, should be considered to be just that; a well thought out strategy. Outcomes are clear. I am sure of what I possess, the strategy is closed and errors in acquisition are mine.

When I am seeking advice, about anything, I do not want a sales strategy. I am seeking guidance or another view. I may want information, an opinion or a suggestion. I may wish to receive a recommendation as to an appropriate choice. I may desire some background on the provider to evaluate capability of the individual. I may seek credentials to judge knowledge and skills. I may establish their profession to evaluate quality and standards of advice. I am willing to trust and consider what is offered. Outcome is the acceptance of trust; a dependency. I must trust the advisor to act on his knowledge and experience, not mine. What is received is helping me to decide whether I wish or need to enter a sales strategy. Advice to enter should not come from within

For Financial advice, there is no current regulatory scheme that captures and clarifies the responsibilities and obligations created by providing financial advice.

Regulations in the investment industry are concentrated on the conduct of trades. The investment industry regulators require no offering of or the mechanism to accept the obligation to act in the best interest of the recipient of any advice, financial or investment. The self-regulatory organizations (SROs) that register members for trading activities currently do not allow the assumption of such responsibility. Advice, whether it’s good, bad or poorly formed is evaluated only on a commercial basis and as to its suitability.

Financial advice should be clarified as an activity that gives rise to a relationship wherein one person has an obligation to act in another’s interest ahead of their own interest. The obligations accepted by an individual in whom another has placed the utmost trust and confidence to protect them. This is often referred to as a fiduciary relationship. Consumer protection enactment of this would be welcome.

Advice For A Fee

tirement liabilityere

Increase your income through intelligent financial planning decisions.

Financial Planning requires no regulation beyond normal consumer protections.

Titles for individuals providing Financial Planning require no modification or regulation. However, Sales Representatives should be easily identifiable as such with mandatory disclosure of same. Advisors that wish to proceed beyond the sales process and either advertises or offers advice should be immediately captured with standards applicable to the provision of advice.

Financial Advice should be regulated through a requirement to accept fiduciary responsibility for the advice and belong to a recognized professional organization that requires the same.

Efficient Wealth Management Inc. was created to provide unbiased, independent, superior financial planning advice, on an Advice for a Fee basis. Our extended mission is to bring portfolio manager services bundled with full financial planning to investors with less than 1 million dollars. We have been designing and utilizing strategic ETF portfolios for over 12 years, letting us return control of the cost of financial planning and investment management to the investor.

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

Gordon is a Chartered Accountant (CA), a Certified Financial Planner (CFP) and a Chartered Investment Manager (CIM). He has close to 20 years of experience in Financial Planning and Portfolio Management and over 35 years in Tax Planning. Gordon is a frequent guest on television and has written numerous articles on investing and financial planning. He has also taught Financial Services and Accounting courses at local colleges.

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THE CLARKSON VILLAGE BIA PRESENTS

HALLOWEEN

FUN FEST 2015

Saturday October 31st 10am to 2pm Clarkson Village businesses will be giving out candies to ‘trick or treat’ children.

Bouncy Castles and Slides • Pony Rides • Roaming Entertainers Live Music • Photo Booth • Refreshments Please visit www.clarksonbia.com for additional information.