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PORT CREDIT

VILLAGE TIMES Putting Port Credit First!

Vol u m e 08 • Is s u e 04 • Oc to b er /Novemb er 2 0 1 4

www.portcredit.com

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

The Port Credit BIA Salutes Small Business Month

By: Lindsay Howe

October is Small Business Month in Canada, a time to recognize and celebrate the tremendous contributions that local businesses make to our community. The month of October is also dedicated to giving business owners opportunities to grow and improve their businesses.

Seminars and Events Supporting Small Businesses in October The Port Credit BIA works to foster growth for small businesses by providing direct support, events and activities to promote businesses. In honour of Small Business Month the Port Credit BIA will be offering business seminars. Everyone is welcome to attend the following networking events.

Networking Breakfast at Crooked Cue on October 16th On Thursday, October 16th a Networking Breakfast will be held at The Crooked Cue from 8:00 a.m. – 9:00 a.m. to give you the opportunity to network before work. Attendees will experience an hour of education, listening to experts in the field share vital information that will enhance your business. The special guest speaker will be none other than Charles Sousa, Finance Minister and MPP for Mississauga South. The cost to attend the Networking Breakfast is $5.00, which includes a hot breakfast.

“Mad Hatter” Specific Networking Event at WarrenBDC on October 22nd On Wednesday, October 22nd WarrenBDC will be hosting a networking event like no other from 6:30 – 8:30 pm. This event gives attendees the opportunity to get to know each other better and to spark meaningful communication. The evening will feature sliders and sangria. Experience the next generation in premium, live, face-to-face networking. Learn to drill down and satisfy any need quicker! This is a free event. Please RSVP: eric@warrenbdc.com. continued on page 6

4th Annual Diaper Drive - Oct.1-15th

74 Lakeshore Road East ~ 3 Blocks West of Highway 10 Port Credit ~ 905-271-8999 ~ Est. 1998 www.impressionablegifts.ca

Impressionable Gifts-Mississauga. @Impress_Gifts

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.

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.

Port Credit Village Times

Port Credit’s Community Newspaper Volume 08 | Issue 04 Bi-monthly Publication ~ Circulation 25,000 Delivered by Canada Post

For advertising information, please contact Toby Gardiner at 416-875-1409 or by e-mail at toby@rjentertainmentpublishing.com www.rjentpub.com

The Port Credit Business Improvement Association 105 Lakeshore Road West Port Credit, ON L5H 1E9 Tel: 905-278-7742 • Fax: 905-278-8864 Email: info@portcredit.com www.portcredit.com

Editorial Contributors: Lindsay Howe

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 The Port Credit Village Times is printed on 100% recycled fibre. Please recycle.

NEW ARRIVALS 2014 FALL COLLECTION

269 Lakeshore Road East Mississauga, Ontario L5G 1G8 T. 905.278.1345 2

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The 2014 Stars of South Mississauga Business Awards

4th Annual Diaper Drive

Awarding Excellence in the Community

By Lydia Ordóñez-Niles

By Lindsay Howe 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 Port Credit and Clarkson Village BIA and the office of Mississauga South MPP Charles Sousa.

Did you know, that it can cost over $100 per month for an adequate supply of diapers for each baby/toddler? The 4th Annual Diaper Drive will be held from October 1st - 15th, 2014. Together, we can help cover the needs of our community’s littlest ones.

Since organizing this diaper drive four years ago, I am delighted the awareness that it has brought to the community - diapers are a costly necessity. Plus the fact that we as a community have helped make hundreds of babies happy with dry bottoms. Over the years, many of the individuals that donated told me they were surprised how expensive diapers actually were, including me. This was the reason I started this diaper drive, having not been blessed with children, even I had no clue to the cost of a package of diapers.

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 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.

How does it work? From October 1st to the 15th, packaged diapers of all sizes, cash donations and baby wipes can be dropped off at Impressionable Gifts & Decor in Port Credit. For each package/donation, you will be given a ballot for an in-store draw. Once everything is collected, including the money donated, I will purchase the sizes that may be short of.

My husband and I then sort out the sizes to be distributed evenly to three nonprofit organizations. The final step, I deliver them to Interim Place, Mississauga Life Centre and The Compass, which will make many, many babies and toddlers very happy. I would like to thank Cassandra Irving for the poster design and Lisa Vigliotta Photography for the professional photo, both these ladies have been on board with this project from day one. Most of all, thank you to those that have donated - for making this positive difference happen!

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!

Diapers can be dropped off to Impressionable Gifts & Decor, 74 Lakeshore Rd. E. in the heart of Port Credit from Tuesday to Sunday from October 1st to the 15th. For any questions regarding this project, please contact Lydia at 905-271-8999.

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Amadio’s Pizza Serving the Port Credit Community for Over 20 Years

By Lindsay Howe Amadio’s Pizza is Port Credit’s award-winning Classic Italian Style Pizzeria, offering the freshest hand-made, stone baked pizzas in the village!

Amadio’s pizzas are prepared fresh daily in their open kitchen (including their trans fat-free dough). Amadio’s Pizza is dedicated to customer satisfaction.

Their pizzas are customizable and made just the way you want. Pick from their large selection of toppings to create your perfect pizza, or choose from their classic pizza combinations from Deluxe, Hawaiian, Vegetarian, Canadian or Meat Lovers.

About Amadio’s Pizza Celebrating 25 successful years in business, Amadio’s Pizza is renowned in the village for their delicious homemade pizzas and the quality service they provide.

Owner Joe Leroux provides only the freshest and finest ingredients he can get his hands on. Amadio’s vine ripened tomatoes for example are picked first thing in the morning from the fields of California, canned and shipped, ready to be used by the afternoon. When making pizzas, consistency is extremely important to Leroux and his team of chefs. Each ingredient that goes on a pizza is weighed on a scale so that the finished product is always the same, which happens to be just how his customers like it.

Leroux started making pizza at a young age and has been perfecting the art for over 40 years! Amadio’s Pizza first opened in Cooksville in 1990 before moving to Port Credit in 1993. In 2006, Amadio’s moved to its current location at 360 Revus Avenue in Port Credit.

Awards and Recognition Amadio’s is the only independent pizzeria to be nominated for the Best Pizza in Mississauga by the Reader’s Choice Awards for EIGHT years in a row. In 2009, Amadio’s won Platinum, in 2010, 2011, 2012 Gold, 2013 and 2014 they were the Silver Winner. In 2010, Amadio’s won the Bronze Medal for the Best Pizza in the GTA from the Toronto Star. In 2011, Amadio’s was the Winner of the Canadian Pizza with Purpose Award. Amadio’s Pizza sends a sincere thank you to all their valued customers for their votes and support.

This year Leroux is also one of the Finalists for the Canadian Pizza Chef of the Year and will be competing with 12 top chefs at the Canadian Pizza Show held annually at the International Centre.

Giving Back to the Community Joe’s gratitude and appreciation towards the community is shown in the way that he generously gives back to the community. This popular pizzeria does a lot of work behind the scenes, providing generous food donations to several foundations, churches and organizations across the village including raising $3002.00 for the local Christmas Food Drive. Additionally, Amadio’s has been supporting the Tim Hortons Southside Shuffle Blues and Jazz Festival since day one.

Amadio’s is known in the community for supporting many charitable functions with silent auction coupons and discounted pizzas. Leroux’s philosophy is that what is good for the community is also good for Amadio’s. With each donation made, Joe continues to builds good will in the community, enhance customer loyalty, and even increase overall sales.

Amadio’s guarantees home-made goodness. Visit Amadio’s Pizza and taste the difference quality makes. Amadio’s is located at 360 Revus Avenue in Port Credit.

Place your order by phone at 905-891-5500 or online by visiting www.amadiospizza. com.

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Port Credit Chiropractic Wellness Center Open House Meet and Greet

Small Business Month continued from front cover

The Staff at the Port Credit Chiropractic Wellness Center is pleased to welcome Dr. Jade Egonia to our team. Dr. Egonia is a graduate of the Canadian Memorial Chiropractic College and a graduate of the University of Waterloo with a Bachelor of Science degree, with a major in Honours Kinesiology. She is interest in the health care of people of all ages, especially individuals who suffer in sports-related injury.

Celebrating Longstanding Businesses During Small Business month we celebrate businesses that have stood the test of time, and continue to thrive as prosperous businesses in our growing village.

Skinner & Middlebrook Ltd. Funeral Home has served the Port Credit Community for over 100 years! Other milestones of note include Private Moments Lingerie and Ladies Wear with nearly 30 years of service next year and Ric’s Recollections, celebrating 20 years of service last year.

Dr. Egonia recently completed an internship at the Sherbourne Health Centre Chiropractic Clinic in Toronto and Bronte Harbour Chiropractic Clinic in Oakville, where she treated people with a variety of ages and conditions.

Dr. Egonia believed in giving back to the community, which is why she volunteers for the Mississauga Monarchs Basketball. Her volunteer experiences include being a Student Trainer for the Waterloo Women’s University Basketball team for four years while in full time study. As a trainer, she provided sideline medical coverage during games and practices such a preventing injuries by taping, icing and providing advice to athletes about any injuries experienced. She also volunteered as an Assistant Coach for Special Olympics Ontario in KitchenerWaterloo.

Ric’s Recollections Ric’s Recollections is Port Credit’s music shop offering a wide selection of quality records and CDs. While other music stores in the area have come and gone, Ric’s Recollections has carried vinyl when remaining music stores ceased to sell vinyl.

Owner Ric Cooper recollects his decision to open shop in Port Credit stating: “Back when I opened my record store, vinyl was on its way out and becoming a niche product. I needed a location that was as unique as my product. Port Credit was a perfect fit, it had a village atmosphere with friendly neighbours and customers alike. The character and charm certainly shine through to this day, definitely something a shopping mall can never replicate!”

Born and raised in the Philippines, Dr. Egonia had maintained a connection with her heritage and is proud to use her fluency in Tagalong to offer healthcare to the diverse community in Mississauga.

Please join us at 11 Helene Street South on Wednesday, October 29, 2014 four our “Meet 7 Greet” event. Please help us welcome Dr. Jade Egonia from 6:00 – 8:00 pm during our Open House. All of our staff will be present to meet with community members and to introduce Dr. Jade Egonia to Port Credit. There will be lots of prizes to be won and lots of goodies to take home.

Ric Cooper has maintained a successful business, which continues to grow and expand with each passing year. Customers worldwide are ordering albums from the Ric’s Recollections online at www.ricrec.com. Ric’s Recollections is located at 257 Lakeshore Road East.

Please call us at 905-271-1161 for more details. Come out and visit us on Wednesday, October 29, 2014 for a tour of the office, a quick bite to eat and to learn about how we make people in Port Credit healthier and happier, naturally.

Port Credit BIA Welcomes New Businesses The Port Credit BIA welcomes Stooges Family Restaurant, Sassy Teas, The Burger’s Priest, Classical Tailoring, The Digital Smoker, It’s Our Little Secret, 4Cats Art Studio, Havana Cigars, Roots Health Centre, Szemplinski Law Offices, Atomic Cherry Tattoo, Global Mediation, Saber & Sone Accounting Group, Archaus Architecture Design Planning, Barbers Touch, Luxy Barbers, Port 1 Café & Gelateria, Northshore Dentistry, SWAT, Yoga Seven, Krista’s Ochids, Musically Yours, Leatheropia, Method Boutique, Nesmeh’s Retreat, One on Stavebank Wellness & Spa, The MYDM Beauty Den, Pazan Gallery, Perfect Cure Wellness & Rehab, Pure Physiotherapy, 229 Bar, Nine Beauty Lounge, Conductive Education 4u and My Olive.

My Olive “Port Credit is a great community that has a focus on supporting local small businesses. Operating a small business in the village of Port Credit is very rewarding for us. The community is friendly and vibrant and inviting. We look forward to many years here.”

- Robert Pineau, Owner of My Olive New to the community, My Olive opened up in Port Credit on December 16, 2013. My Olive offers the finest and freshest premium selection of extra virgin olive oils and balsamics. Visit the in store olive oil and balsamic vinegar tasting bar and sample a few of their premium flavours.

Robert Pineau states, “Our customers seem to enjoy a healthy lifestyle and appreciate the selection of our Premium Extra Virgin Olive Oils and Balsamics that we offer them. If we can help our customers achieve their goal of either eating healthier or satisfy their pallets with great flavours, we feel honoured.”

Choose from their selection of unique pre-packaged gifts. Discover a whole new world of flavor at My Olive! My Olive is located at 114 Lakeshore Road. East, Unit# 5.

Come out to enjoy the series of networking events that will motivate, inspire and drive businesses to greater success! Make the most of small business month by attending the seminars, building relationships with potential employers and learning from powerful speakers who are experts in the field. For more information visit www.portcredit.com/october-small-business-month.

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Roc’n Doc’s introduces new menu Located on the south side of Lakeshore Rd. E. in the heart of Port Credit for sixteen years, Roc’n Doc’s continues to offer great music, a great atmosphere and a great patio.

Did we mention food? Known for great food, Roc’n Doc’s food will be taken to even higher levels of excellence with the addition of new chef, Dave Pyper. Chef David arrives at Roc’n Doc’s with a very impressive resume. A George Brown graduate, he has worked at some of the finest Ontario restaurants over the past few years, fine tuning his skills. He is a certified Red Seal Chef – a national standard of excellence for the skilled trades in Canada.

Chef David

A new menu will be introduced shortly. Chef David plans to introduce new and exciting food specials and customer feedback will dictate the new menu items.

All dishes will be prepared from scratch, emphasizing quality, freshness and home-style cooking.

The bar opened on December 1, 1998 and owners John Krush and Mike Griffin have strived to provide a friendly bar where everyone is welcome. With an atmosphere of chance encounters with old friends, a pint after a long day, a casual business meeting or celebrating life’s milestones with your closest friends...Roc’n Doc’s is where you will always be greeted with a warm, friendly smile and see a familiar face. You will find exceptional value for your hard earned dollar and witness the area’s best live musical entertainment.

Customer satisfaction is key for owners Mike and John, who continually demonstrate their commitment to value and the community. They work tirelessly to enhance the facilities, ensure customers are comfortable and make sure that everyone walks away with a great experience.

In 2009, the bar was completely renovated on the inside and out and a modern state-of-the-art rooftop patio was added. Enjoy the great views of Port Credit from Port Credit’s only rooftop patio.

The staff at Roc’n Doc’s is second to none. More like family than staff, they (like John and Mike) are committed to customer satisfaction, providing exceptional service and a fun and an enjoyable environment.

Roc’n Doc’s is a warm and friendly place where you are always welcomed and treated like family. If you haven’t stopped by in a while, maybe it’s time that you did.

Roc’n Doc’s Live Music Grill & Rooftop Patio is Port Credit’s only rooftop patio, and features live music 7 days a week. Located at 105 Lakeshore Rd East. For more information, call 905-891-1754, visit on the web at www.rocndocs.com or look for them on Facebook.

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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

Farmer’s Market Closes for the Season Following Thanksgiving Weekend

By Lindsay Howe Visit the Farmer’s Market on Saturday, October 11th between the hours of 8 a.m. and 1 p.m. to pick up the freshest fall vegetables for your comfort food, soups, canning and of course Thanksgiving dinner.

The best vegetables of the season are available now at the Farmer’s Market from brussel sprouts to squash, to potatoes, carrots, beets, garlic, sweet potatoes, onions and so much more. The 2014 Port Credit Farmer’s Market will close Thanksgiving weekend after a great season. Come out to the Farmer’s Market for the last Saturday of the year and pick up your pumpkins that will last until Halloween!

About the Port Credit Farmer’s Market The Port Credit Farmer’s Market helps to support local farmers, encouraging healthy eating and helps the environment. The produce available at the Farmer’s Market travels a shorter distance than imported food and is therefore naturally flavorful and higher in nutrients. At the Port Credit Farmer’s Market you will find an abundance of top-quality, Ontario farm-fresh produce as well as gourmet foods, soups, sauces, spices, jams, honey, cheeses and baked goods.

You can also pick up everything you need for your home garden, from trees and shrubs to plants and fresh cut flowers.

Shop Local and Experience the Difference The Port Credit Farmer’s Market strives to make the market an interactive, informative and fun experience as well as an excellent shopping destination. The Port Credit Farmer’s Market draws people from across the city and surrounding areas to the village, which brings in more business to the area, and encourages people to shop local.

While you are out picking up your fresh produce, why not check out the boutiques along Lakeshore Road, there are shops that will suit anyone’s tastes. An added bonus, when you shop local you leave with the personal satisfaction of knowing your money is going back into the Port Credit community. These funds are used to put on festivals and maintain a clean, vibrant area for your enjoyment.

Highlights of the 2014 Season This year was the most successful season yet! The Farmer’s Market reached a record number of food vendors and each week featured a rotating group of incredible artisans. The shaded outdoor bistro style music café was filled with market customers who took a seat at one of the many tables to listen to live entertainment while enjoying a cup of coffee and a pastry, or delicious back bacon on a bun. The café featured many past favorites performers such as Sean Pinchin, Derry, Mike, Tim and Amy Smith. New artists were also featured and they were all very well received.

The Port Credit Farmer’s Market is open every Saturday from June to October. Visit Port Credit Farmer’s Market on Saturda,y October 11th from 8 a.m. to 1 p.m. The Farmer’s Market is conveniently located at Elmwood Avenue and Lakeshore Road, two blocks East of Hurontario Street (Hwy. 10) in the LCBO parking lot. For more information on the Port Credit Farmer’s Market please visit www.portcredit.com/ farmers-market

In the month of August a “Best Booth” contest was conducted. The market customers were asked to vote for their favorite booth on a ballot based on the overall look of the booth, the products and the service. The booth with the most votes won a cash prize of $300 cash, then one ballot from all the voters was drawn and that customer won a Port Credit Prize package worth over $500.

The Port Credit Farmer’s Market customers voted Daddy O Donuts the 2014 Best Booth Winner and customer Steve Kresak was the lucky winner of the prize package!

Fun for All The Port Credit Farmer’s Market is the place to go for great food and good fun!

More than just a fresh food market, this weekly event continues to grow in popularity each year. There is plenty more to do and see while shopping at the Port Credit Farmer’s Market. Some of the special events include: cooking demonstrations, workshops featuring local artisans and weekly live musical entertainment.

Each week the demonstration tent features free activities provided for all members of the family including: crafts for kids, cooking and gardening workshops, and music and movement classes. Children can also experience games, face painting, henna tattoos and contests. The adults will enjoy cooking demonstrations and lots of free samples.

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Port Credit: Shop Here First!

Recycling the Gift of Sight

By Theresa Baird - Director of Port Credit Living 647-298-0997 tbaird@tbaird.com

By Silvia Yeomans, Queen Spectacle

Port Credit is a creative waterfront community with neighbourhood character, walkable urbanism, restaurants and entertainment.

Port Credit is part of the GTA which is the 3rd largest central business district and the fastest growing region in North America.

The World Health Organization (WHO) says there are over 153 million people who have uncorrected refractive errors (people who are near sighted, far sighted and with astigmatism). Those people can easily be treated with vision correction.

Not being able to learn or read, millions are forced further into poverty simply because they don’t have glasses.

We could definitely put an end to that!

To prosper as a community, the local businesses that support the Village of Port Credit need to be supported to continue to grow and flourish. During the month of October, you can participate in many events that will not only help your small business but by your attendance, will assist your neighbouring small businesses as well.

It’s always recommended that you have a backup pair of eyeglasses and sunglasses, but a drawer full of unused glasses is what we want. Any used single vision, bifocal, trifocal, progressive, safety glasses and prescription or nonprescription sunglasses are needed. Children’s glasses are always necessary.

Children are able to achieve a better education with glasses. Glasses provide easier learning and healthier development. For adults, glasses offer them better opportunities with employment and economic strength. For seniors it gives them more independence.

As a community, we can make a difference. Queen Spectacle has collected thousands of used glasses for Lions Club International. Taking donations from the different collection points such as ours, Lions Club International has partnered with WHO to provide glasses globally to underdeveloped areas and also provide 45 children’s blindness centres in 35 countries for the preservation, restoration and rehabilitation of sight in children.

Join us in doing our part. Bring any of your old glasses and pass them along.

Let’s work together, and recycle the gift of sight!

While reintroducing our local interactive community website www.

PortCreditLiving.com to many businesses this past month, we also encouraged all of our shop owners to support where you work - buy flowers at the flower shop, purchase groceries at the town’s grocery stores, frequent the restaurants for luncheons here in the Port Credit Village, before commuting home. Step outside your door and take a look around! Our goal as a community can be to work together to network and support each other’s business. If support is offered between shop owners, your community and neighbourhood will thrive!

Our Port Credit Living website is set up to help with your awareness of what the locals are up to and help your neighbourhood know a little more about you.

Silvia Yeomans is the owner of Queen Spectacle. Queen Spectacle has locations in Streetsville, Port Credit and The Kingsway. They are a Full Eye Care Team recognized for their service excellence. For more information visit their website, www.queenspectacle.com

Go to www.PortCreditLiving.com and post what your business has to offer on our main calendar. It’s a FREE service so Why not! By doing so, you will also see what your local neighbouring businesses are offering at their establishments. If you have a workshop coming up, post it! If you created a big promotion at your restaurant, share it! To further enhance and promote your business, list it under the Local Business Page with the purchase of a two year listing.

The www.PortCreditLiving.com calendar also highlights many of the networking series of events such as the BIA Breakfast event, for small businesses, and back again this year by popular demand is the Shop the Hood event in November.

Port Credit offers plenty of natural environments along the Lake and Credit River Valley with fishing, boating and simply relaxing along the waterfront a local pastime. With neighbourhood character, many are considering Port Credit a place to live, work, study and visit.

Check out www.PortCreditLiving.com, to see what’s happening, shop and dine and discover the Village of Port Credit.

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COMMUNITY CORNER 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.

The winning results are in for Buskerfest 9!

The winners were...... (l-r) Toby Award - Kamikaze Fireflies, People’s Choice Award for the second year in a row - Rueben DotDotDot and Xtreme Award winner – Flame Oz. Thank you for voting at Buskerfest 9.

Port Credit Comedy Festival – Mark Your Calendar!

Back by popular demand! The Port Credit Comedy Festival returns this in 2015 with a new cast of comics from February 26 – 28, 2015. Tickets will be available soon - contact the Port Credit Business Association office to be placed on the waiting list.

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. 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.

Rower credits Port Credit services 75 year old Mississauga’s Don McLeish took his third straight gold with rowing partner Mike Moloney at the Canadian Sculling Marathon last August in Ottawa.

In order to keep racing every year, Don trains extensively. Erin Whitton, RMT of By-the-LakeMassage-Therapy and Wellness Centre Inc. in Port Credit, is instrumental in preparing Don for his regattas. Matthew Quattrochiocci, Certified Pedorthic Technician, in Port Credit, has been working with Don in overcoming Post- Polio Syndrome affecting his lower limbs anatomy and bio-mechanics, with custom made orthotics.

Advance Poll Information: • 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.

Don trains at the London Rowing Club under the guidance of coach, Kari Jurrako.

In addition to rowing Don can be seen cycling over 5000 km a year on the trials in Mississauga.

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.

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.

Wash for a Cure During the month of October, Port Credit Coin Laundry at 112 Lakeshore Rd. E. will be donating 50 cents from each wash from their PINK WRAPPED washers as well as 5% of the sales from their Wash ‘N Fold Service. Support a local business, clean your clothes and support research for the Canadian Breast Cancer Foundation.

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.

Mississauga Music Walk of Fame - Class of 2014 Induction Ceremony Sunday, September 7th, Mayor Hazel McCallion and Councillor Jim Tovey 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

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Joey Cee Producer / Promoter

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Sea Three Vest

Honouring the Mississaugas

By Linda Benne, Linda’s Craftique

On Sunday, September 28th a celebration of over 200 years was unveiled in a commemorative interpretive panel dedicated to the members of the Mississauga’s, who participated in the signing of Treaty 13A, on August 2nd 1805.

Size: (S,M,L) To fit bust sizes 34, 38, 42 The sizing is somewhat forgiving as the fronts overlap. Because it is knit sideways adjustments in width are quite easy to make, you just knit more width in the back and the fronts.

Treaty 13A was signed between the Native Mississauga and the British Crown at the mouth of the Credit River at the Government Inn. The four Mississauga Chiefs that signed the treaty were: Quennepenon, Chechalk, Okamepenesse and Wabukanyne. The ceremony included an official opening by elder Garry Sault. The plaque is installed in the Port Credit harbour entrance way on Stavebank Road South.

Gauge: The yarns gauge is 18sts/4” on a 5mm needle over stocking st The pattern gauge is 13sts/4” on a 5.5 over the pattern st Materials: 3(3,4) skeins Hand Maiden Sea Three 150m/100g. One pair 5.5mm needles.

Vest: With 5.5mm needles cast on 42sts and knit 2 rows. Next 4 rows: k1, *yfwd, k2tog* repeat between *’s to last st, k1. K2 rows. Cast on 28sts at the beg of next row.

Work as follows: Row 1-2: Knit Row 3-6: K1, *yfwd, k2tog* repeat between *’s to last st, k1.

Rows 7-8: Knit Repeat these 8 rows until piece measures approx. 13(14,15)” from 28 st cast on ending after row 8. Cast off 28 sts at beg of next row, work to end. Starting with row 2 work two pattern repeats ending with row 8. Cast on 28 sts at beg of next row. Starting with row 1 work in pattern until piece measures 11(12,13)” Cast off loosely. Return to original cast on edge of 42sts. With right side facing starting at lower edge, pick up and knit 42 sts to armhole. Starting with row 2 continue in pattern. At beginning of the next row 2 cast on 28sts and continue in pattern for 11(12,13)”. Cast off loosely. With right sides together join shoulder seams 4(4,5)” in from armhole

Lorne Park Public School - Annual Craft Show Lorne Park Public School is having its Annual Craft Show on Saturday, November 15th from 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.

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Mayor Hazel McCallion retires in 2014, and thus ends the course of her 36-year reign as the leader of Canada’s sixth largest city. She has left an undeniable mark of greatness on our city and we would like to thank her for her passionate and dedicated service.

Photos: Ron Duquette Photo: Martin Pinker

RJ Entertainment Publishing will be publishing a spec ial tribute sectio n to honour Mayor Hazel McCallion’s 36 years as the May or of Mississauga in the next issue of th e Village Times.

The deadline is Frid

ay, November 14th .

To advertise in th is special section call Toby Gardiner at 41 6-875-1409 or emai l toby@rjentertainm entpublishing.com

photo: Carole and Roy Timm Photography

Photo: Dave Parry

Photo: Merrow Photo: Sandor Bank

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Photography

Our City, Our Time: Bonnie Crombie’s Vision for Mississauga

By Bonnie Crombie

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This election is about the future and it is about the next chapter of the Mississauga story.

My platform, Our City, Our Time! Is a bold vision for our city that is built on 6 pillars:

We have enjoyed tremendous leadership under Hazel McCallion who has led our city for the past 36 years. However, with her retirement this year, we have an opportunity to build on her legacy and choose the future direction of Mississauga.

A City that Thrives through economic growth and job creation; a City that Moves through a regionally integrated rapid transit network; a City that Grows responsibly and intelligently to create livable, walkable communities; a City that Shines through a vibrant and diverse arts and culture scene; a City that Cares by ensuring all residents have an equal opportunity for success, including our older adults and those struggling to make ends meet; and most importantly, a City that Works, for you by keeping taxes low and fostering a culture of customer service at City Hall.

I am running for Mayor because I am passionate about our city. It is where my husband and I have chosen to live, work and raise our family. As a daughter of Polish and Ukrainian immigrants I understand the challenge that many Mississauga residents face and the needs of our community.

Prior to entering politics, I had a 20 year career in business. I worked in management for two, Fortune 500 companies – the Walt Disney Company and McDonald’s Corporation - and started a successful small business.

I’ve also been privileged to represent close to one-third of Mississauga’s residents as the Member of Parliament for Mississauga-Streetsville and currently as the City Councillor for Ward 5. My experience has taught me to work hard, respect the value of a dollar, and how to deliver results for a bottom line and for my community.

We have built a city that works. Yes, there are improvements to be made, but I think we can all agree that Mississauga is a dynamic, diverse and vibrant city that has so much potential - potential that I want to tap in and use to move us forward. To do this we need a bold vision and a plan of action to match. I have both.

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This is our city and our future. On October 27, I hope I can count on your support. Together, we can build a great city. Will you join me?

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01/10/14 2:45 PM

Mississauga is a Big City with the Heart of a Village

By Steve Mahoney 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.

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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

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Jim Tovey • 2010 - 2014 Accomplishments

By Jim Tovey We have an amazing community and it has been my great privilege to serve as your Councillor for the past four years. For the first time in thirty-six years we will be voting for a new Mayor, a historic change.

Ward 1 is now positioned with strong, experienced leadership at City Hall, committed to making sure your voice is heard.

In my first term as your Ward 1 Councillor, we worked together to accomplish the following: Investing in Community Revitalization • Four parks & playgrounds are now renewed • Westacres Don McLean swimming pool is now a state of the art facility • Port Credit Harbour has been dredged for the first time since 1996 • Local water and waste water upgrades include better water pressure to all homes • Improved storm runoff and flood prevention • Funding and grants for Mississauga from Provincial and Federal Governments

Enhancing Opportunity for Local Businesses • Recruiting new businesses to locate in Ward 1, such as Longo’s at Applewood Plaza • Port Credit Cultural Area Project - participating businesses increased summer activity 25% - 100% • 120,000 Sq. ft. of new office space for the Lakeshore Corridor

Development & Approval of the Lakeview Master Plan • Blueprint for a new sustainable community in Ward 1 • New employment zone for innovation • Connecting 9.5 Kilometres of Waterfront Trails • Agreements with the Province of Ontario and Ontario Power Generation • Secured Provincial funding to assist financing the Master Plan

A Cleaner Lake Ontario • Pollution and odor control upgrades to the Waste Water Plant • Swimming in Lake Ontario with the water being tested weekly • Annual community cleanups of creeks, the Credit River and Lake Ontario shorelines • Mayor’s designate, representing Mississauga and the Region of Peel on the Great Lakes St. Lawrence City Initiative

Public Transit • The wait for a bus on Lakeshore used to take up to 40 minutes. Now, rush hour service is every 14 minutes - 19 minutes off-peak.

Respecting Your Tax dollars

Improved Community Safety

• Annual Departmental efficiency reviews at City Hall have saved taxpayers millions of dollars, $7.25 million in 2013 alone • The Lakeview Waterfront Connection will re-use fill generated by Capital Works Projects to offset costs of a new 70 acre environmental park • The Byngmount Revitalization Project will be a Public/Private partnership providing affordable Seniors housing while saving tax dollars

• New 40 km/hr. speed zones on many residential streets • Additional stop signs on interior local roads • Increased Police and Corporate Security patrols • Operation Tagger netted 21 graffiti vandals

Getting it done for Ward 1 Responding to your issues Respecting your tax dollars Re-energizing local business Revitalizing our waterfront Mississauga.

This is a critically important election for ober 27.

Become informed and please vote on Oct

Campaign Office:

905-990-0969 • VoteJimTovey.ca 18

Oh, Happy Dazed and Confused

By Ric Cooper, Ric’s Recollections I thought I was having a psychotic reaction, but no, I checked the calendar and confirmed that summer was over.

Time to pack away the patio lanterns, no more twisting by the pool, all the leaves must fall and soon I’ll be California dreaming. Seems like only yesterday we were up on the waterfront, singing Oh Canada, crying tears of a clown for the benefit of Mr. Kite and dancing in the streets doing the Harlem shuffle.

Oh happy days they were, even though it wasn’t really that great weatherwise. I don’t think it ever got to 98.6 and working on my tan wasn’t easy living but hey, I will survive. Most of my candles in the rain got soaked and sometimes I wondered who’ll stop the rain? If you were down in the park on Friday night of the Southside Shuffle, you know what I mean. Windy wasn’t the only word, I got soaked bad to the bone.

Saturday in the park was amazing and we certainly had a pleasant valley Sunday. Ah, Port Credit, so much to do in the summertime that even if you’re out for a lazy stroll on the boardwalk, you can’t help but be happy to live and work here. Hats off to the stranger, hope we’ll meet again so we can cherish our memories of good times.

Some people say that autumn is their favourite season with beautiful fall colours and a bountiful harvest of vegs available at our local farmers market, I can see clearly now what they mean but I find it a bit depressing.

It means that a hazy shade of winter is just around the corner.

Yesterday I got out of bed, dragged a comb across my head and got a sweater out for the first time in months. Longer evenings do have their benefit. More time to listen to the music! Like a spinning wheel the turntables will start roaring back to life as many of us will be spending more time indoors once again.

$1 from each ticket goes to the Legion Poppy Fund

Record companies are already planning and pressing product for what they hope will be a very busy season. “New” releases by The Beatles, Led Zeppelin, Pink Floyd will be vying for space on our shelves and rumours have it that the actual pressing plants are working overtime and cannot keep up with demand for vinyl albums. We can’t forget black Friday either. It has morphed into a sort of Record Store Day part 2 with literally hundreds of releases coming out. Many of those will be strictly limited editions and will become instant collector’s items. In the next article I’ll try to highlight some notable new releases and some “hot” titles. Till then, keep spinnin’ your vinyl and try to support all of our local merchants and businesses here in Port Credit. I read on facebook recently that an acquaintance was disappointed shopping on Amazon. Well, welcome to the jungle baby!

PS. You may have noticed that the above article references song titles and or lyrics. The first three people that get the correct number of references will receive a $20 in-store credit.

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Pretty in Pink

By Vanig Jelilian, Lorne Park Jewellers 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.

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!

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.

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.

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

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

By Theresa Baird - Broker Keller Williams Realty Solutions 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 yearover-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.

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

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m FINANCE 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!

allocation, a dynamic withdrawal strategy, incorporating guaranteed income 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.

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.

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.

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.

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.

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

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