Portcredit 2016 02

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PORT CREDIT

VILLAGE TIMES

Putting Port Credit First!

Volume 10 • Issue 01 • February/March 2016

4th Annual Port Credit Comedy Festival Lineup to Bring a Whole Lot of Funny.

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Casey Martin and Rob Williams

Going into its 4th year, the annual Port Credit Comedy Festival will celebrate stand-up and variety comedy, bringing the unique talents of acclaimed performers from around the world, February 25-27, 2016.

The festival welcomes triple Gemini and Canadian Comedy Award winner, actor/comedian and Toronto Maple Leaf’s fan Seán Cullen to the stage.

Cullen, described in Time Magazine as the “vanguard of comedy’s next generation”, began his comedy career in musical comedy group Corky and the Juice Pigs and has gone on to make multiple appearances on The Tonight Show with Jay Leno and CBSs The Late Late Show and has a number of his own specials including Comedy Central Presents, Comedy Now and was a finalist on NBCs Last Comic Standing.

He starred as Max Bialystock in the Canadian production of Mel Brooks runaway musical hit The Producers, wrote and starred in his own series The Sean Cullen Show on CBC, and is a regular guest star on The Comedy Networks Match Game.

It is literally impossible to categorize Cullen, whose style of entertaining includes comedy, improv, music, and a flair for drama. 2016 Port Credit Comedy Festival goers won’t want to miss this stellar lineup that will also feature: Pete Zedlacher, John Wing, Chad Daniels, Scoot Herring, Emily Galati, Dwayne Perkins, Rob Williams, Casey Martin, Aytahn Ross, and Robin Chestnut.

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1/14/16 6:01 PM

Change is in the air!

Did you notice anything different about the Village Times?

Port Credit Village Times

Port Credit’s Community Newspaper Volume 10 | Issue 01

Beginning this issue, the Village Times has undergone a cover re-design. Some of the changes — body type, fonts — we made earlier. The cover was updated with a new modern feel. Obviously, we hope you find the changes agreeable.

Bi-monthly Publication ~ Circulation 25,000 Delivered by Canada Post

We began this process over the holidays when we contracted a digital solutions company. We worked on the newspaper’s look and feel and will soon launch a new modern web-site that will enhance our publications.

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

In mid-February we will be publishing the 2016 business directory. Look for a new design including photos of local proprietors in their place of business, a complete up-to-date business listing and an exciting calendar of events for 2016.

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

At RJ Entertainment Publishing we feel strongly that publications currently have the highest reach of any media. By facilitating discussion and comment on local projects, businesses and initiatives, our publications have become a big part of the local landscape, and have helped draw community interest and awareness to positive local development and businesses.

Editorial Contributors: Lindsay Howe • Albert Peres

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.

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Port Credit Comedy Festival continued from front cover

Since its beginnings in 2013, the Port Credit Comedy Festival has partnered with The Compass, a non-profit volunteer organization that serves the Mississauga South community. Attendees are encouraged to bring, or make a donation to The Compass at each show.

For more information of the festival schedule, lineup and venues: Website: http://portcreditcomedy.com/ Twitter: https://twitter.com/PtCreditComedy Facebook: https://www.facebook.com/PortCreditComedyFestival Port Credit Comedy Festival Executive Producer Phil LeConte Telephone: 519-897-4997 • Email: phil@pc-comedy.com Top left: Dwayne Perkins Top right: Sean Cullen Bottom left to right: Pete Zedlacher, Emily Galati, John Wing, Robin Chestnut

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Looking forward to 2016 in Port Credit!

By Lindsay Howe

Port Credit residents can look forward to an exciting year ahead! This year is particularly special in Port Credit because it marks the BIA’s (Business Improvement Area) 40th anniversary. You can expect the celebrations and events to be extra special to commemorate this milestone year.

During the spring and summer the village is booming with activity, especially the restaurants, bars and cafes. Port Credit village offers the perfect setting to be out enjoying the fresh outdoors on a patio, catching up with old friends and loved ones.

Whether you are dining at a restaurant, drinking a beer at a pub, or enjoying a speciality drink from a nearby cafe, there are many patio choices in the village for you to choose from.

This year the village wide events will be bigger and better than ever!

Beginning this month, you can look forward to the Port Credit Comedy Festival happening from February 25th through to the 27th, with Sean Cullen as the headliner. The summer festivals and events will include Paint the Town Red, the Mississauga Waterfront Festival and Buskerfest.

Make 2016 the year that you take time for yourself, as well as set aside some quality time to be spent with the people you care about most.

Port Credit is the ideal place to go to pamper yourself and create lasting memories with the ones you love!

There is always something to see and do in the village, especially with the onset of spring at the end of next month. The warmer weather always brings more activity to Port Credit, with residents wanting to take advantage of all the perks that come along with living in the village.

This summer the Port Credit Farmers’ Market will be open weekly from June to October. Here you will discover an abundance of top-quality, Ontario farm-fresh produce as well as gourmet foods, soups, sauces, spices, jams, honey, cheeses and baked goods.

With spring just around the corner, we can soon revisit the parks and trails along the Waterfront. The Waterfront Trail will come alive, allowing us to witness the beautiful transformation of the season and take in the sights and sounds of nature.

The Marina and the Waterfront Trail attracts several hundred walkers, runners and cyclists, daily. From the scenic trail at Rattray Marsh, to the main street streetscapes, there is something for everyone to enjoy.

Experience the great cycling paths in the downtown core and scenic walking routes along Lakeshore Road West.

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Welcoming New Businesses to the Village

If not now………..when???

By Marion Klinnert

A great slogan for a great company and a great spokesperson for a great company with a great slogan. What I’m talking about is Oprah Winfrey, being the new spokesperson for Weight Watchers. She is so sincere when looking into the camera!

Port Credit is a growing and thriving village in the City of Mississauga.

Many of the flourishing businesses have been around for decades and have become a staple within the community.

Over the few months, more than 10 new businesses have opened up shop in the Village of Port Credit. New businesses are important to a growing and thriving village community. As times change, so do the wants and needs of community members.

Yet, my mind does a big “hmmm”. Ok, so she’s dieting AGAIN. Over the years that lovely lady has been so many different sizes, I am surprised that her doctor hasn’t stepped in and said a big “WHOA There Lady”. Time to stop the bounce back and time to seriously look at your health. During a dinner get together with some gal pals, one in particular piped up and said she couldn’t eat certain things because she had started a DIET (for the umpteenth time). And my outspoken self said “yeah diet, spelt whatever way you want means failure”. My expert (not) opinion is re-think what you put on your plate. And how you work off those calories? Common sense that is not so common.

The Port Credit BIA welcomes each of the following new businesses and BIA Members: Flip a Coin Asian Tapas – 121 Lakeshore Rd. W. GCC Maple Leaf Coins – 143 Lakeshore Rd. E. 2 for Art – 177 Lakeshore Rd. E. Sweet Philosophy - 301 Lakeshore Rd. E. Cabin Goods and Grooming – 504 Lakeshore Rd. E. The Infamous Scars and Strops - 315 Lakeshore Rd. E. The London Vape Shop – 273 Lakeshore Rd. E. CEO Boutique – 153 Lakeshore Rd. E. Raven Financial Service Inc – 20 Stavebank Rd. Booster Juice – 224 Lakeshore Rd. W.

But getting back to Oprah, the lady is a peach! Influential, rich and probably a good friend to many. But healthy? Hope so. I send out a big thank you to her for much of my success. Eleven years ago she produced a show on bra fitting and turned the entire bra/foundation garment industry upside down. In a good way. At the time I had been saying that 9 out of 10 women were wearing the wrong bra size. But what did I know, I only had 20 years of experience under my belt. In a one hour show she changed the minds of millions. Business boomed for all independent lingerie stores, bank managers were happy and women were walking taller. Thank-you Oprah.

And now that we have all embraced a new year maybe it is time to start rethinking our life styles.

Eating, dressing, grooming, leisure time, work ethic, hobbies, families, friends and loved ones; all about balance. It’s never too late to rethink change. Like getting a proper bra fitting, if not now, when?

Private Moments Lingerie and Ladies Wear is located at 259 Lakeshore Rd. East. Call 905-278-8055 for more information.

8

Cost of Groceries is Going UP

By Silvia Yeomans, Queen Spectacle

My New Year’s resolution this year was to have less food in our fridge and freezer. I have a tendency of heading to the grocery store with great intentions, and walk away with more meal ideas than I could cook.

In the end, I throw away food that I shouldn’t have bought.

3. Cruciferous vegetables such as broccoli, cabbage, brussel sprout and bok choy can help decrease inflammation in the eye and encourage detoxification.

4. Tea Teas such as black, green and oolong are very beneficial in the prevention of cataracts. They have also been shown to prevent the growth of new blood vessels in the retina, which can lead to macular degeneration.

5. Avocados These are not only loaded with healthy fat but contain a variety of vitamins and minerals such as lutein, beta-carotene, vitamins C, B6 and E. Combined, avocados can help prevent macular degeneration, cataracts and can improve dry eyes.

See how you do with a few of these added to your meal plan. Try not letting these nutrient rich foods go bad in your fridge and the challenges of food prices might be a smaller obstacle than you think.

Apparently I’m not alone. Canadian households throw away $120 worth of food every month. And now with the low Canadian dollar, the cost of fruits and vegetables are rising quickly. I need to be more careful with my groceries but still provide my family with the essentials of nutritious food options that are not only good for our bodies, but also good for our eyes.

If you have any questions regarding this article, or if you’d like to see a specific topic discussed, feel free to email me at silvia@queenspectacle. com.

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

Next time you go to the grocery store, think about adding some of these to your shopping cart: 1. Dark leafy greens such as kale, spinach and Swiss chard are high in lutein. Lutein helps prevent eye diseases such as cataracts and macular degeneration.

2. Cold-water fish (salmon, tuna, herring and sardines) are loaded with omega-3. Omega-3 prevents plaque formation in the eye, which can form into macular degeneration. It can also improve the quality of your tears and improve dry eyes.

In support of Sponsor A Child

PINK & WHITE CASINO NIGHT Join us for a Casino Style Extravaganza Thursday, March 24, 2016 @ 6:30pm

Location - Le Treport Banquet & Convention Hall 1075 The Queensway East, Mississauga The Full Circle “Pink & White Casino Night" event will benefit the Sponsor a Child program, as well as a number of local charities. 100% of the money raised will be distributed to underprivileged children and their families to attend the Mississauga Waterfront Festival, enjoy food, carnival rides and have a weekend of fun for free.

Tickets - $125.00 per person (includes HST) $115.00 per person with the purchase of 10 tickets (includes HST) Tickets Include: Casino Fun Play Exciting Vegas Style Entertainment For tickets 5 Course Dinner call the 2 Bottles of Wine per table P R E S E NTE D BY 905-891-0002 Door Prizes www.themwf.com

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Timothy’s Pub donates big to Salvation Army Tim and Robin Brem, owners of Timothy’s Pub, presented a cheque in the amount of $14,800 (and $500 cash from a last minute donor) to the Salvation Army on December 18th at their pub on Brown’s Line. The money was raised through their successful annual Christmas Wish Fundraiser and silent auction held at the pub on December 11th. With donations made by their clientele during the pub’s annual Canada Day Customer Appreciation party which the Brem’s host at their family home in Alderwood, the total donations for 2015 is an outstanding $19,800.

Their fundraising efforts provided something extra over the Christmas holidays, some much needed respite, programs and food throughout the year for disadvantaged families in South Etobicoke. The last ten years the pub has been donating their funds exclusively to the Salvation Army’s South Etobicoke office at a combined total of $160,000. Recently Tim and Robin were recognized by the Salvation Army at a special ceremony, honouring the pub’s incredible ongoing fundraising efforts.

Timothy’s Pub continues to be an Etobicoke hot spot all winter. The Meteors held their 12th annual anniversary party and played to a packed house, along with appearances from many different musical guests. Catch the Meteors every Saturday from 4 – 8 p.m.

The pub is an Etobicoke destination for big events. Stop in on February 7th for a Super Bowl party and enjoy a free ½ time buffet. On Thursday, March 17th enjoy the St. Patrick’s Day bash featuring the Goggin Irish Dancers and be entertained by the famous George O’Kash.

Now that we’re into a new year, drop in, meet Tim and Robin, rendezvous with friends, associates and people who relish the company of others.

Timothy’s Pub is located at 344 Brown’s Line (two blocks south of Horner Avenue in south Etobicoke). For more information, call 416201-9515 or visit www.timothyspub.com.

269 Lakeshore Rd E Mississauga, On L5G 1G8 T. 905.278.1345

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Stay warm all winter with fashion forward coats and jackets from Moose Knuckles.

Shop a wide variety of stylish and practical styles available for men, women & children.

COMMUNITY CORNER Vegas Style Extravaganza to Offer Disadvantaged Children a Chance at Summer Fun The Mississauga Waterfront Festival presents a Vegas themed fundraiser in support of its Sponsor a Child program.

The Full Circle “Pink & White Casino Night” event will takes place on Thursday, March 24th 2016 with cocktails and Networking start at 6:30pm. Full Circle benefits the Sponsor a Child program, as well as a number of local charities including Interim Place, Community Living and Boys and Girls Clubs. The money raised will allow underprivileged children and their families to attend the Mississauga Waterfront Festival, enjoy food, carnival rides and have a weekend of fun for free.

Le Treport Banquet and Convention Centre located at 1075 The Queensway East, Mississauga is the venue for the evening.

Tickets are on sale now and cost $125 each, or $115 each when 10 tickets are purchased (HST Included).

Heritage Week In celebration of National Heritage Week, Heritage Mississauga invites you to their Heritage Day Open House on Tuesday February 16th, 2016 from 10 am to 8 pm at the historic Robinson-Adamson House, “The Grange” 1921 Dundas Street West, Mississauga. Visitors can tour the house built in 1828 by Sir John Beverley Robinson, Chief Justice of Upper Canada, enjoy a new photography exhibit by Marian Dragiev “Expressions of Beauty and Spirit”, meet with Heritage Mississauga staff, explore the Resource Centre and participate in work-shops in the lower gallery. They look forward to welcoming you to this FREE event. The coffee’s always on and light refreshments will be served through the day.

For more information please contact info@heritagemississauga.org or 905-828-8411 Ext. 0 Smooth Jazz The Unitarian Congregation in Mississauga presents the second in our series of concerts featuring the Carson Freeman Band on Sunday, February 21 at 2 pm. Carson Freeman, 2010 Smooth Jazz Instrumentalist of the Year, has shared the stage with five Grammy Award winners including MC Hammer. He has also performed for Prime Minister Stephen Harper and is a regular every Wednesday evening at the Shore Grill & Grotto, Port Credit The Unitarian Congregation is located at 84 South Service Rd, in Mississauga.

For tickets and information call the Festival Office at 905-891-0002, www.themwf.com .

Yoga class at Janet McDougald PS Yoga classes are being held every Wednesday evening 7:15-8:30 pm at Janet McDougald PS located at 498 Hartsdale Avenue. Cost for adults is $10 per class or $90 for 10 weeks. Students are $7.00 per class or $ 60 for 10 weeks. Email lyndwoodca@gmail.com for more info. “Like” Lyndwood Community Association on Facebook or follow us on Twitter @lyndwoodca.

Tickets: $25, $20 (seniors and students) or pay what you can. Visit www.uucm.ca, email info@uucm.ca or call 905 278 5622 for more information.

Canada wins big Did you know that at the 2015 World Latin Dance Cup competition held late last year in Miami Florida, Canada’s Latin Energy Dancers won first place in 7 different divisions against top contenders from around the world?

The Latin Energy Dance studio brought home 7 gold, 1 silver and 2 bronze medals.

Latin Energy Dance Company is located at 895 Rangeview Rd. in Mississauga.

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Mississauga “Legends Row” 3rd Induction Ceremony

Give the Gift of Diamonds

By Lindsay Howe

Six new inductees enshrined Mississauga’s Legends Row on Saturday, December 5th 2015.

The most romantic day of the year is nearly here. Valentine’s Day is the perfect time to celebrate love and give a gift that will last a lifetime!

While roses are pretty and chocolates are sweet, diamonds symbolize everlasting love. What better way to profess your love than surprising her with a sparkling diamond to make her feel treasured and admired?

Whether you choose a diamond engagement ring, a pendant, or earrings, you will sweep her off her feet! A simply beautiful heart shaped or diamond pendant will make this Valentine’s all the more memorable. Every time she looks at it your diamond gift she is reminded of your love. Her friends, family and co-workers will want to see, touch and admire the sparkling gemstone.

Whenever she wears the diamond jewelry she feels special and elegant.

There are so many decisions that go into choosing the right piece of diamond jewelry for your spouse beginning with: white gold, rose gold, or yellow gold. Examine a wide variety of diamonds; browse unique shapes, cuts and designs to discover the perfect diamond match for your counterpart.

Choose from classically beautiful diamond earrings, to a dazzling diamond ring, or a stunning diamond pendant. Whichever you choose, her reaction will be one of utter disbelief when she opens the little box containing the sparkling diamond.

The latest round of inductees included Fran Rider, for her unrivalled dedication to the development and growth of women’s hockey in Canada and around the world; Billy Talent, the Streetsville punk rock band that took Europe and many other parts of the world by storm; Ignat Kaneff, the Bulgarian-born developer/builder who became a Mississauga success story and one of this city’s leading philanthropists, Chuck Ealey, who went undefeated in high school and college and still holds the all-time NCAA record for 35 straight wins as a quarterback in football, but was passed up by the NFL, Ron Lenyk, the former publisher of the Mississauga News whose penchant for giving back to the community made him Mississauga’s “king of volunteers”, and Robert Gillespie, the socially responsible CEO who helped make Mississauga a better place with his exceptional community involvement.

A sparkling diamond represents both romance and commitment. True love lasts a lifetime, and so do diamonds. Give her a gift that will take her breath away. Make this Valentine’s Day one she will never forget with the gift of diamonds!

Visit Lorne Park Jewellers where you will find fine selections of all varieties of diamonds. For more information on diamonds and other precious stones, contact Lorne Park Jewellers at 905-891-0001 or visit www. lorneparkjewellers.ca.

Saturday March 18 2016

Cecile Doo Kingue

Special Guest ‘Queen of the Swamp Blues’ Kat Danser

Clarke Hall, 161 Lakeshore Rd W. Port Credit Doors open at 7 pm. Show starts at 8 pm.

Tickets are $25 in advance or $30 at the door. www.portcredit.com 12

13

Sousa and Team Deliver!

Tax and Politics

Over 600 Ontario turkeys donated to Mississauga food banks

Charles Sousa, MPP for Mississauga South, and community volunteers delivered a tractor trailer load of turkeys to The Mississauga Food Bank this past December. The turkeys, all Ontario-raised, were distributed to families in need through The Mississauga Food Bank and The Compass Food Bank in south Mississauga during the holiday season.

During last election campaign, tax debate was often taking centre stage.

Conservatives and Liberals collided over family tax benefits and general tax rates at different income levels. As a result of change in government, we do see a change in tax policy. On December 7, 2016, the Liberals announced proposed changes to tax legislation. These changes will take effect beginning in 2016 tax year, so this tax season you will still be filing your 2015 tax returns according to the old rules.

This was the 7th annual Charles Sousa Holiday Turkey Drive, which this year raised $21,000, enough to buy over 600 turkeys, as part of the community’s ‘Twas the Bite Before Christmas holiday fundraising campaign. Since 2009, our annual Holiday Turkey Drive has donated over 4,100 turkeys to the community’s ‘Twas the Bite Before Christmas holiday fundraising campaign, representing over $130,000 worth of community donations in total.

Here is what to expect in 2016: The most significant change is the adjustment to federal tax brackets. Anyone falling into the range of income between $45,282 and $90,563 will see a reduced tax rate by 1.5%, as the tax rate in this bracket goes down from 22% to 20.5%. This translates to a maximum of $679 in tax saving. Income over $200,000 will be taxed at 3% higher rate than before.

Another change affects TFSA limits by setting them back to $5,500 beginning in 2016, from $10,000 introduced earlier this year. Since TFSA’s inception in 2009, the limits changed several times. If you are taking advantage of the maximum limit each year, your total allowable contribution to the end of 2016 is $46,500. If you are uncertain of your remaining contribution room, you may contact Canada Revenue Agency to confirm it.

It is expected that limits for deductible child care expenses changed by the old government will remain in place. For children under 7 you can now deduct $8,000 and for children between 8 and 16 you can claim $5,000. For children who are eligible for disability tax credit you can now claim up to $11,000. This is an increase of $1,000 in each category.

Those of you with little ones may recall that in July you received a lump sum retroactive payment of universal child care benefit. This amount is fully taxable and, depending on the number of children and their age, may significantly add to your income. Liberals have promised major revisions to child care benefits, however, no announcement has been made so far. It is expected that the new benefit program will be put in place in July 2016, when the benefits calculated under old rules expire.

For many families with children under 18 years of age, family tax cut introduced in 2014 was an important tax saving mechanism. This tax credit, however, will be eliminated beginning with 2016 tax year. This is the last year you can take advantage of the income splitting within families with children.

At the provincial level, there is an interesting initiative aimed at helping those with lower income who pay hydro bills. A new tax rebate is introduced in form of monthly credit. The amount of credit depends on the annual household income and number of people in your household. The application for this rebate is done directly with the province and not through your income tax. Here is a link: https://ontarioelectricitysupport.ca/.

J O I N US FO R A F R E E

FA M I LY S K AT E

We will keep you posted of more changes as they become announced throughout the year.

Sunday February 21, 2016 1:45pm–3:15pm

Eva Kupiec, CPA, Professional Corporation and Beata Kurpiewski, Chartered Professional Accountant operate their practices at 3461 Lake Shore Blvd. W. in Toronto www.beaccounting.ca

Clarkson Community Centre 2475 Truscott Dr. Mississauga

Beata Kurpiewski, Chartered Professional Accountant Eva Kupiec, CPA, Professional Corporation

You and your family are invited to join us at our annual family skate February 21, 2016, 1:45–3:15pm.

The event is free to attend.

We hope to see you there!

Charles Sousa, MPP Mississauga South

120 Lakeshore Rd. W., Unit 1 & 2 Mississauga, Ontario L5H 1E8 T 905-274-8228 | F 905-274-8552 csousa.mpp.co@liberal.ola.org

14

Waves Poncho

By Linda Benne, Linda’s Craftiques Materials: 4 skeins Hand Maiden Casbah Silk 165m/100g One pair 5.5mm needles Gauge: Yarn gauge is 18st/4” on 5mm needles. Pattern gauge is 13st/4” on 5.5mm Measurements: Approximately 22”x50” Wave pattern Row 1-2: Knit Row 3: K6, *k1 winding yarn around needle twice, k1 winding yarn around needle twice, k1 winding yarn around needle three times, k1 winding yarn around needle twice, k1 winding yarn around needle twice, k5 * repeat between *’s to last st, k1.

Row 4: Knit across all sts dropping all the extra wraps.

Row 5-6: Knit Row 7: K1, *k1 winding yarn around needle twice, k1 winding yarn around needle twice, k1 winding yarn around needle three times, k1 winding yarn around needle twice, k1 winding yarn around needle twice, k5* repeat across row to last st, k1 Row 8: Repeat row 4.

Repeat these 8 rows to form pattern.

Poncho Cast on 77 stitches on 5.5mm needles and work in wave pattern until piece measures 50” ending on a row 6 or 2. Cast off. (l just went until the 4 balls were done) Finishing: Fold in half so that cast on and cast off edges meet. Sew along the side edge for 15”.

Linda’s Craftique is located at 237 Lakeshore Rd. E., Mississauga (Port Credit) 31 years of serving your knitting needs! Call 905-274-4115 or visit www.lindascraftique.com

15

Brush daily!

Hickox Fine Jewellery Since 1951

By Lori Galli

By Ric Cooper, Ric’s Recollection

Yes we are still open! Same owners, new front, same Store!

With Christmas and the holiday season well behind us and before you start building new bad habits this time around, I’ll review a few simple tips and maintenance procedures that will help you enjoy your new vinyl records or your new turntable that you got as a present. I assume that you are getting into records for the sound quality and not just to be hip, so basic maintenance will preserve your investments for years to come.

In May of last year we made a decision to close the store and retire. My Mom (Norma), was going to retire and I was going to move on the other things including raising my 2 children and working part time somewhere for someone else.

Records should never be stored lying flat, always store standing up vertically. I recommend putting a plastic protector sleeve on the album cover. This decreases the amount of ring wear (the round shape of the LP inside). In many cases, people bring in used LPs to me that have never had the protection. In a worst case scenario, the album title has been rubbed completely off! To make it easier to store, put the opening on top. This prevents the sleeve from bunching up when sliding it on the shelf. Another bonus to this is that it blocks a certain amount of dust getting in.

After losing my Dad last January, we found it difficult to come to work. We had all worked together for 27 years and now it just wasn’t the same. As the months went by, it became easier. With that being said, I have decided after the overwhelming response from our very dedicated clients and outpouring support from the community, I can’t seem to give it up.

It’s been 27 years and I have really enjoyed the friendships I have made along the way. I’m going to keep it going. I think it’s one of the oldest business in Port Credit marking 65 Years! There is lots of new and exciting products to come! Alex and Ani, Thomas Sabo, Men’s cufflinks and wedding bands, jewellery boxes, watch winders, giftware and more. Along with new products, a fresh new interior is coming soon. All the same service that you have come to expect.

Jewellery repairs, batteries, clock and watch repairs, pearl restringing, custom design, engagement rings and wedding bands.

Always, always store the LP in the protective inner sleeve. Put the opening of the inner to the top as well. Again, dust protection plus the actual disc won’t roll out of the sleeve and fall on the floor. Don’t laugh, I‘ve seen it happen many times.

I don’t recommend using the “pinch” method to remove the LP from the sleeve. All humans have natural oils on their skin and when you pinch the LP with the thumb and forefinger to pull the disc out it leaves a small semi-circular mark. It’s not the mark that affects the sound but the dust that sticks to it. The “pfft” sound in the intro is common with unclean, used records that are found at flea markets and yard sales. Try to learn how to cradle the LP when removing it from the inner sleeve resting the edge of the LP in the skin between your thumb and forefinger. Place your fingertips on the underside of the label and voila, no finger prints on the grooves of the vinyl.

Hope to see you all soon! We will also are also carrying on the SALE so there is lots of great deals.

Hickox Fine Jewellery Ltd. Is located at 106-A Lakeshore Rd E in Port Credit. Visit www.HickoxfineJewellery.com, email hickox@on.aibn.com, or call 905- 278-4522.

Notice that I’ve mentioned dust quite a few times. It is a record’s enemy, the more times you play a dusty/dirty record, the deeper it gets pushed into the groove. The pops and ticks (rice krispies) that some used LPs have are just dust that has been ground in. Eventually the fidelity of the LP will be compromised and a deep wet clean will be necessary. A carbon fiber brush used before each play to dust the LP can prevent the annoying ticks. Get into this habit of dusting before each play. Dusting the record not the coffee table, sorry hon!

Since condition is the main value factor for LPs, it’s best to be proactive with these few maintenance tips. Another hint, keep all posters and lyric inserts complete with your albums.

If any of the above procedures seem confusing, come into the store for a demonstration any time, I’ll be glad to help! I will be offering free turntable clinics again, probably in March so follow our facebook page Ric’s Recollections for updates and registration info.

Happy listening, enjoy the music!

PS: They are called records, albums or LPs NOT vinyls!

Ric’s Recollections is located at 257 Lakeshore Road East. Visit www.ricrec.com or call 905-891-1523 for more information.

Marshall Dane

16

Know your insurance policy

By Theresa Baird

Each month I like to share great Service Providers to you that I have personally worked with and will be offering seminars so you can become informed about changes you may need to know. This month I would like to introduce an amazing lawyer, Stacey Stevens who has dedicated her career to plaintiff personal injury litigation.

which compensates your for your immediate income loss, medical and rehabilitation needs arising out of the collision regardless of who is at fault.

The Statutory Accident Benefits coverage is multifaceted and subject to multiple restrictions and exclusions. The type of benefits and funding available to an injured person is limited in a variety of ways. For example, the standard income replacement benefit is only $400 per week regardless of your pre-collision employment earnings.

We have all heard the tag lines “You’re in good hands with Allstate”, “Like a good neighbour, State Farm is there” or more recently “We will start your claim within 30 minutes, guaranteed”. Have you ever stopped to wonder just how good those hands are or if that neighbour will really be there for you?

Coverage for your medical and rehabilitation needs is based on the severity of your injury and ranges from $3,500 to $1,000,000. Other benefits are only available after you have incurred the expense and have established it is “reasonable and necessary”.

Insurance is part of our everyday lives. We insure our automobiles, home, credit cards, health and your life and by doing so you are purchasing peace of mind. Unfortunately, buying insurance has become easier than buying groceries and as a result, many people purchase policies without understanding what is covered, the exclusions that take away coverage, and the conditions that must be met in order for coverage to apply when a loss occurs.

On June 1, 2016, the Ontario Government will be implementing changes to the Statutory Accident Benefits coverage that will further reduce the level of benefits available to you in the event of a collision despite the fact premiums continue to rise.

Stacey and I would like to offer a free legal information seminar to anyone who is interested in learning more about what their insurance policies will cover, how to ensure your policies are designed to meet your circumstances or who is struggling with navigating the complex insurance system. For invitations to the seminar, send an email to tbaird@tbaird.com.

Insurance is there to help you re-establish normalcy in your life after an accidental loss. The key to getting there is knowing your options and making sure you have policies that fit your needs before you need it.

An insurance policy is a legal contract between you and the insurance company. Reading the policy is confusing and no more enjoyable than watching paint dry. It is difficult to know if the policy actually meets your specific needs and to understand your and the insurance company’s responsibilities if a loss occurs.

One of the most common and most complex policies is the standard automobile insurance policy. This policy offers three different types of coverage in the event of collision. Third party bodily injury coverage if you are the at- fault driver. Uninsured/underinsured motorist protection to cover you if the at fault driver is uninsured and Statutory Accident Benefits

As always our seminars are well attended and I welcome your calls so I can continue to bring experienced speakers to our community. You can find the list of upcoming events at www.tbaird.com just go to the events calendar.

If you’re buying, selling or investing in real estate, contact Theresa Baird, Broker - Keller Williams Realty Solutions by email tbaird@tbaird.com or call 647-298-0997.

Stacey Stevens is a Partner at Thomson Rogers in Toronto, she was admitted to the Law Society of Upper Canada in 2005. Stacey obtained her law degree at Osgoode Hall Law School during which time she was 1 of 3 law students in Canada who received the Tom Wilcox Scholarship Award for her dedication to insurance and academic achievement.

Public consultations on American Eel under the Species at Risk Act

Public comments are being solicited on the proposed listing of American eel under the federal Species at Risk Act (SARA).

She volunteers as Legal Counsel for Spinal Cord Injury Action Canada, is on the Board of the Central East Brain Injury Association and is a lawyer with the Family Legal Health Program at the Hospital for Sick Children.

The Committee on the Status of Endangered Wildlife in Canada (COSEWIC) assessed American eel as threatened in 2012 and it is already listed as endangered under Ontario’s Endangered Species Act (2007).

In 2007 Stacey teamed up with Clayton Ruby to successfully challenge the Ontario Adoption Information Disclosure Act resulting in the Government rewriting the Act in order to protect the privacy rights of individuals who had been involved in the adoption process.

If this species is listed as threatened under the Species at Risk Act, prohibitions against the capture, harming or possession of this species would immediately apply. Habitat critical to the survival and recovery of the species) would also subsequently be protected once a recovery strategy and/or action plan has been developed to support the recovery of the species.

You are invited to comment on whether the American eel should be protected under the Species at Risk Act. For more information, or to provide your comments, go to www.sararegistry.gc.ca under “Get Involved” or contact: Fisheries and Oceans Canada Species at Risk Program 501 University Crescent Winnipeg, MB R3T 2N6 Toll-free: 1-866-538-1609 E-mail: fwisar@dfo-mpo.gc.ca Please provide your comments by March 18, 2016.

For more information about aquatic species at risk, please visit: www.aquaticspeciesatrisk.gc.ca.

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18

Value For Money Investing

Gordon O. Stockman, BComm., CPA, CA, CFP, CIM Vice President – Financial Planning, Efficient Wealth Management Inc. Value For Money Investing means we wish to allocate and use our hard-earned resources in order to improve investment outcomes in a continuous and sustainable way at a fair and equitable price. In other words, achieve good investment returns AND receive fair value for the services provided. The path forward is Advice For a Fee financial planning.

a couple of telephone calls, a fancy newsletter and a few meetings? As a manager myself, I would like to relate to you all the things I do to justify such a generous fee as $7500, but I can’t because you should not be paying anyone that much including me, for management of a $500,000 portfolio.

In the US, there is growing amounts of literature that espouses paying no more than one half of a percent (0.5%) or $2,500 for the same size portfolio.

Time To Negotiate Since beginning this column over eight years ago, the most common subject has been about fees in one way or another. My very first article was about cost do matter and the second written was about simply, fees.

Many more articles on the same or related topics have followed. Why? Well, it is pretty much agreed in the investment community that the best reliable indicator of future success with a particular investment strategy is the fees to pursue it. Fees and costs do not only matter, they are often the foundation for success.

Canadians, both as industry providers and as consumers, are still learning to work at these levels but even here in Canada, one percent (1%) is the maximum you should be willing to pay for investment management services.

We think less than one percent should be your target.

As the mutual fund industry is confronted with more complete disclosure, there will be pressure for your advisor to answer for the fees you now more fully understand. Many are preparing for this by being proactive with their clients and moving them from high cost mutual funds to low cost Exchange Traded Funds (ETFs) in Fee Based accounts.

Thanks to a majority of security and investment regulators in Canada, 2016 will be the year when much more complete and relevant disclosure will be provided to you about fees. How much your advisor is compensated and how much you are paying your fund managers will become less obscure, more detailed and hopefully more understood. This will be an ideal time to have that conversation with your advisor that you have been putting off for such a long time. Why am I paying so much?

But beware. A well designed portfolio of ETFs still has embedded expenses averaging .2% to .3% at best with custodial and trading costs likely added on. A one and a half percentage (1.5%) fee from your advisory firm still puts you close to the two percent (2%) costs of many of the mutual funds you are giving up. Your advisor is taking you in the right direction. Help him get you there by not agreeing to pay more than one percent for the advisory services. If you are already in a Fee Based account, call your advisor and insist on a reduction to one percent (1%) or below. Ask about all the other costs that might be involved.

The purpose of this current article is to give you some assistance and guidelines to help with this conversation. First pay careful attention to the dollar amounts not the percentages. One and a half percent (1.5%) may seem small as a percentage but it is $7,500 per year on a $500,000 portfolio. Seems a lot of money in dollars, doesn’t it. Why did I choose one and a half percent (1.5%) as an example? This is the standard and usual fee for Fee Based accounts at many independent and bank brokerages.

This is also the year that financial planning will become much more widely talked about. Unfortunately, not for the best of reasons. Discussions about high fees are often deflected by pointing out the valuable financial planning services that are included in the monthly fees. Those services might include ongoing cashflow management, ongoing tax planning, tax return preparation, estate plans, insurance evaluations, pension calculations and help with managing the motions inherently present with being an investor. Certainly, an extremely useful and valuable list of services, IF indeed provided. But many advisors do not provide them and just as importantly, many clients do not press for them. Not much value if these services are not delivered.

In addition, financial planning does undoubtedly justify some fee but not $7,500 just because you have a $500,000 portfolio.

It probably took you months of work to bring home $7,500. What can your investment manager possibly be doing to earn that? Surely, not just

Advice For A Fee

tirement liabilityere

Our company provides an extensive array of financial planning services, tax preparation, with customized portfolios designed around your financial plan all integrated with a portfolio management solution using ETFs for around $5,000 per year. Our experience has us believing that the financial planning portion is worth more than half the total, which places the value of the investment management alone below $2,500 per year. Why would you pay $7,500 for regular calls to see if you have more money to invest?

Increase your income through intelligent financial planning decisions.

If your investment advisor’s organization wants more than one percent (1%) in annual fees, just say no!

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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Chad DANIELS Scoot HERRING Emily GALATI Dwayne PERKINS Rob WILLIAMS Casey MARTIN

Headliner:

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Tickets available online through: or at boxoffices: PORT CREDIT BIA , RIC’S RECOLLECTIONS, STAVEBANK FLORIST

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@ptcreditcomed

Please support our local Food Bank by bringing cash and non-perishable food items. Donation boxes will be located at all venues.