Streetsville Village Times

STREETSVILLE

VILLAGE TIMES

Putting Streetsville First!

Volu me 08 • Is s ue 01 • Feb rua r y / M a rc h 2 0 1 3

www.villageofstreetsville.com

IN TH IS IS S UE RJ Publishing celebrates 20 yrs 04 Family Fables

Health and Wellness in the Village

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My retirement number

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Holly’s Tips

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SHL update

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Small business profile

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Community Corner

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Health and Wellness

15

Parent’s please read

16

Yoga City

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Financial health check up

18

The aging process

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Value for money investing

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Ward 11 update

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OFFICIAL NEWSPAPER

Revitalize your Winter Workout: Fitness and Fresh Air

By Lindsay Howe Beating the Winter Blues by Revitalizing your Workout Routine At the beginning of each year we make resolutions to live a healthier lifestyle, and set challenging diet and fitness goals we hope to accomplish. In this frosty cold weather, it is tempting to take the easy route and ‘hibernate’ the winter months away, depriving our bodies of much needed sunlight. Vitamin D is important to keep our bones strong.

Sunlight and being outdoors also has a positive effect on mood, self-esteem and leads to an overall improved sense of wellbeing. So get up off that couch and engage in a winter workout that will invigorate your mind and get your blood pumping. Go out and experience the mental and physical benefits of getting outdoors and moving this winter.

www.streetsvillerealestate.com

Can you remember a time when you were excited about winter? Maybe it was lying in the snow, flailing your arms and legs all around to make snow angels. Or the thrill of tumbling down a snowy hill on a sled. Embrace that feeling, and allow yourself to experience the exhilaration you once felt, venturing through the fresh white snow after a snowfall.

Walking in the winter is a refreshing and invigorating experience. The cold air helps clear your head and reduce stress.

It is time to embrace the crisp, quiet stillness of winter by bundling up and journeying through the village. Residents of Streetsville are blessed to live amongst beautiful scenic trails and parks. Take advantage of any opportunity to take a brisk walk through the village or stroll through a nature trail to experience the beautiful winter scenery around you. You continued on page 4

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MHC Streetsville Village Times June-Dec 2012-PRESS wKeyline.pdf 1 5/17/2012 3:07:15 PM

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Open House Dates (Grade school only)

February 21st, 2013 (5 PM to 8 PM) April 20th, 2013 (1 PM to 5 PM)

RJ Publishing celebrates 20 years!

On February 14th, 1993 Evening Out with Bob and June was launched. Bob and June Hackett (my stepdad and mom) started a magazine that featured community-based businesses in the Etobicoke area. Early issues featured a cover sketch of Bob and June dining at local restaurants. In 1995 the “Bob and June” was dropped from the logo and the magazine called Evening Out focussed on all types of retail businesses.

RJ Entertainment Publishing has been a leader in community-oriented content for small to medium business and local residents in several established communities. Our group of community publications now includes the Streetsville Village Times, Port Credit Village Times, The Lakeshore Villages, Kingsway Korners, Clarkson’s Corners and Village Of Islington Times.

By networking with local shopkeepers and services, our publications provide an effective outlet for promoting the brands, products and services of local businesses to a wide audience.

Streetsville Village Times

Streetsville’s Community Newspaper Volume 08 | Issue 01 Bi-monthly Publication ~ Circulation 25,000 Delivered by Canada Post For advertising information, please contact: Toby Gardiner • 416-875-1409 toby@rjentertainmentpublishing.com

The suite of publications also includes several community business directories that are developed and maintained with the assistance of local BIA’s, and are distributed yearly to businesses and homes. Currently, RJ Entertainment Publishing publishes directories for Streetsville, Clarkson, Port Credit, Forest Hill and The Kingsway.

Editorial Contributors Julie Knox, Lindsay Howe, Melissa Motyka and Emma Cosgrove

RJ Entertainment Publishing also includes high-quality programs for several local events and festivals. For the last five years, we have published the Tim Hortons Southside Shuffle Official Festival Program, which won the 2009 Festivals & Events Ontario Award for Best Official Printed Program.

The Streetsville Business Improvement Association 280 Queen Street South Streetsville, ON L5M 1K8 Tel: 905-858-5974 ~ Fax: 905-858-2366 info@villageofstreetsville.com www.villageofstreetsville.com

By facilitating discussion and comment on local projects, businesses and initiatives, our publications have become a part of the local landscape, and have helped draw community interest and awareness to positive local development.

Check out our small business feature on page 11. If you would like your business featured in the Village Times please contact Toby Gardiner at the email below.

Graphic Design:

Toby Gardiner / Publisher Toby@rjentertainmentpublishing.com The Streetsville Village Times is printed on 100% recycled fibre. Please recycle.

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The Profound Logic

Do you suffer from the February “blahs”?

Guest conductor Denis Mastromonaco, fresh from performances across Canada and Europe, and internationally recognized guest pianist Kati Gleiser, who began playing the piano at the age of four among the apple orchards of Georgian Bay, will chase your blues away when they take the stage for the MSO’s concert on February 9th.

With Mozart’s bubbly Overture to Cosí fan tutte, Beethoven’s immensely powerful Piano Concerto #4, and the intensity of Sibelius’ Fifth Symphony, this is sure to be an evening of music to remember!

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Family Fables – Queen’s Jubilee

By Deanne Clipperton

We are so lucky to live in such a special place. The Village in the city truly is unique and wonderful for so many reasons, but mostly because of the people who call it home. The people of the Village are generous, caring and willing to give their time to others and their community.

So is it nature versus nurture? Is it the luck of the draw? Or is there something in the Credit River that makes us Streetsville people who we are? I think it is a combination of many things, the strong roots that the people of our village feel, connects them to their community and make them want to give back and the act of giving is contagious. Historically, we have had many examples of strong community members that helped to build and maintain Streetsville as a village since 1824. So for those of us that have roots here, I think it is in our blood, but for those with new roots it is contagious! It must be in the water!

In 2012 to honour the 60th anniversary of Queen Elizabeth II accession to the throne a commemorative medal was created – The Queen Elizabeth II Diamond Jubilee medal. The medal honours the Queen’s service to Canada while recognizing significant contributions and achievements of Canadians. Only 60,000 medals were awarded to honour significant contributions to a certain province, territory, region or community within Canada or an achievement abroad that brings credit to Canada.

All residents of this special community new or old are what make Streetsville what it is, a wonderful place to call home. Our little village must be doing something right.

To all of the recipients of this honour congratulations and thank you! Let’s keep up the good work and pass it on!

I am very proud to say that my mom, Marie Clipperton and her dear friend Irene Gray were deservingly awarded the Queen’s Jubilee medal on December 23, 2012 for their volunteering and dedication to Credit Valley Hospital and numerous other activities that have benefitted the Streetsville community and its residents.

My mom is an amazing person and I am very lucky to have her as a mother. She has a heart of gold and works very hard to give back to her community, not for recognition but for the simple joy of giving. Both my mom and Irene were shocked, honoured and humbled to be awarded with the medal. It was even more special for each of them to receive it together.

These amazing and strong role models are but 2 of 60,000 Canadians to receive this honour. What is even more incredible is that I know of at least eight other Streetsville residents that have received the medal as well. When you think about the size and population of Streetsville and compare it to the rest of Canada, to have that many Queen’s Jubilee medal winners come from our little Village is pretty amazing.

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Port Credit+Streetsville Village Times_ Feb+Mar_2013.pdf

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Health and Wellness in the Village

What’s My Retirement “Number”?

continued from front cover

will actually burn more calories when you are active in the cold because greater effort is required to move your feet through the snow, forcing you to lift your legs higher and use more momentum.

There’s been a lot of talk lately about how everyone needs to hit a certain “number” before they can retire comfortably — a number that is, frankly, intimidating to many Canadians. Is it true?

Take your friends or family out for a fun filled skating outing at Vic Johnston Arena located at 335 Church Street. Not only is ice skating fun and invigorating, but it also provides cardiovascular benefits. This ice sport enables you to use your small stabilizer muscles, aiding in building lower-body muscles, including the hips, hamstrings, quadriceps, and calves. Recreational skating burns several hundred calories an hour! Vic Johnston Arena offers general public skating Sunday’s from 1:00 - 2:30 p.m. Parents & Preschoolers/Seniors Free Public Skate – Thursday’s 12:30 - 2:00 p.m. Single admission is $4.00, or $10.00 for a family/ group. For more information visit www.vicjohnston.ca or call 905-826-3011.

First of all, your so-called “number” or retirement savings threshold won’t come from a simple formula. Contrary to what some may think, the same number doesn’t apply to everyone and will likely change as our lives evolve. Also, we all have different lifestyle goals for our retirement years.

It has been years since we’ve experienced multiple snowfalls during the winter season. Why not embrace the snowy weather by participating in an enjoyable activity. Sledding is fun for any age! Head out to a nearby hill and slide down in a toboggan to your hearts content. Climbing up the hill repeatedly is excellent exercise, and a great leg workout. The thrill of the ride down makes each uphill hike worthwhile.

Advocates of the “number” often refer to a 2010 C.D. Howe study that suggested most Canadians who want to retire at age 65 and replace 70% of their working incomes, must save 10%-21% of pre-tax earnings every year for 35 years. That can be a daunting goal for many people who find it challenging to save even 10% of their paycheque each year. As others have since pointed out, a 70% income replacement goal is a “gold standard” and many can be quite comfortable having 50%-60% of their income in retirement.

Shoveling is also a great way to help tone your body, and develop muscular strength and endurance. It also burns approximately 400 calories an hour.

When shoveling, make sure to use your legs, not just your upper body; bend your knees and hips instead of using your back.

That said, smart savings and investment choices today are critical to ensuring you have access to a secure post-retirement income. It is also true the longer you delay saving for retirement, the more money you will need to set aside in later years. So, how do you take the first step toward figuring out what your retirement savings goal should be?

Some want to spend their later years travelling the world, others want to stay at home and tend the garden, and yet others plan to work at a job they love indefinitely. In each case, different savings are required and a number of variables, ranging from spousal contributions to your health status, can impact the amounts needed.

Experience the enjoyment and satisfaction that comes along with outdoor activity. Keep active in the months of winter to powerfully lift your mood and boost your energy. Whether you get bundled up to take a stroll down Main Street, or wander through the Culham Trail, exercising outdoors in the natural environment is good for the soul. So go out and embrace the cold; take pleasure in the winter wonderland that surrounds you!

Working with an advisor can help. Rather than worry about achieving a single large number, an advisor will take a structured approach to figuring out what you need to be comfortable at various points in your life. His or her questions will range from “How will I generate income in retirement?” to “How will inflation and taxes affect my lifestyle?”

To figure out what you need to save now, an advisor will help create a customized plan to reduce your risk for the years to come. For many, the simplest step is to open an RRSP or TFSA, and apply a structured approach saving a little each month. Your advisor should also help educate you on managing money after or as you near retirement. It is important, for example, to understand the impact of inflation and identify safe withdrawal rates that account for today’s longer lifespans. As you age, your advisor should also help you avoid high risks, and keep investment costs and taxes low.

To create your own investment strategy, speak with an advisor to begin taking small steps toward your future retirement or other life goals.

Dodge, David A., Alexandre Laurin, and Colin Busby. “The Piggy Bank Index: Matching Canadians’ Saving Rates to Their Retirement Dreams.” C.D. Howe Institute e-brief No. 95. March 2010.

Edward Jones, Member Canadian Investor Protection Fund.

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The Profound Logic

Holly’s Tips

The Mississauga Symphony with Special Guests Denis Mastromonaco, Conductor and Kati Gleiser, Piano

Tips for the first time Home Buyer

Do you suffer from the February “blahs”? Guest conductor Denis Mastromonaco, fresh from performances across Canada and Europe, will chase your blues away when he takes the podium for the MSO’s next concert on February 9th.

Apply for a pre-approved mortgage (which is usually good for 90 days).

This will set your maximum mortgage amount and interest rate, so you can set your budget before starting to house hunt. It also lets the home-seller know you are serious about buying when you decide to make an Offer to Purchase.

Entitled “The Profound Logic”, the program opens with the bubbly overture to Mozart’s “Cosi fan tutte”, a comic opera in which two soldiers wager that each can woo the other’s fiancée and prove her unfaithful. The opera is subtitled “The School for Lovers” – a perfect little Valentine’s gift! Perhaps it will make you dream of love…

Beethoven’s beautiful Piano Concerto No. 4 in G will take you to a more thoughtful plane. Beethoven performed it twice, the last time as part of a marathon concert with two of his symphonies and the Choral Fantasia. This was his last appearance as a soloist with an orchestra, as by then his deafness was becoming acute. The concerto’s reflective beauty will make your heart ache for Beethoven’s loss of his precious hearing. Our soloist is Kati Gleiser, who began playing the piano at the age of four among the apple orchards of Georgian Bay. She has since received international recognition as a pianist, vocalist and electronic musician. In addition to her busy performance schedule, Kati is completing her doctoral studies at the University of Indiana.

Don’t forget to budget for extra expenses, such as moving, major appliances (often the purchase of a home will not include appliances), utility hook-ups, home-owner insurance - and, if this is your first home – you may also need to budget for some home maintenance equipment such as lawn mower, snow blower, garbage cans, garden tools, etc.

Prepare and budget for closing costs. Appraisal fees, title insurance, legal fees, survey, land transfer taxes, prepaid property taxes or utilities etc. These costs can really add up and often come as a total surprise (more like a shock) for first time home buyers. It’s a good idea to talk to your realtor who can advise you about what to expect and budget for, with respect to ‘closing costs’.

From the meditative beauty of its opening movement to the haunting call of the horns in the last, Sibelius’s Symphony No. 5 in Eb will make you reflect on the sweetness of life. Sibelius composed it in 1915 for his own 50th birthday in a mood of exaltation, writing in his diary, “I begin already to see the mountain that I shall soon ascend… God opens His door for a moment and His orchestra plays the Fifth Symphony.” But he was not satisfied with his work and revised it repeatedly until it became the version we know today. The symphony brings our concert to a satisfying conclusion, reminding us of music’s power to bring joy to our hearts.

Plan on including the cost of a ‘home inspection’ in your budget. Avoiding any unexpected costs – like a new roof, is well worth the expense. Your realtor will advise you on how to make your Offer to Purchase

For more information about the Mississauga Symphony Concerts and Events go to MississaugaSymphony.ca or call 905.615.4405.

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9

OHF Provincial Championship comes to the Vic Johnston

SHL Update

The Ontario Hockey Federation has awarded the Lorne Park Hockey Association and their Ojibwa Midget Senior A Hockey Club rights to host the Midget A Provincial Championship Tournament held from April 11th to April 14th, 2013. All games will be played at the renovated, state of the art Vic Johnston Community Centre.

The regular season is wrapping up at the SHL and playoffs are right around the corner. Teams are preparing for the stretch drive that will lead them to the Day of Champions on Sunday, March 24th . The SHL is a very active league, mixing hockey for the fun of it with equal playing time for over 600 minor league hockey players.

The Lorne Park Midget Senior A hockey club is honoured and extremely excited to host this great hockey event. Head Coach Tony DiClemente states” Our team is thrilled that we have earned the right to host this event. The boys have worked hard over the years, have the record to show for it and we are looking forward to being a great host and to competing for the championship.”

This will be the first time Lorne Park Hockey Association has hosted the Provincial Championships for any age group. The organization is extremely excited for the championship weekend. “This is our first time hosting a provincial championship. The Lorne Park Hockey Association fully supports the midget senior hockey club in running this event and their quest for the Provincial Championship” said Mike Doyle, President Lorne Park Hockey Association.

Lorne Park Hockey Association has a long history in minor hockey, founded in 1944. The association now has over 800 young hockey players in ages from three to twenty years old. The association has a strong reputation of giving back to the community. Most recently, for the last three years LPHA has organized a hockey game between coaches and the Leafs Alumni to generate toys and cash for the Peel Regional Police’s Toys For Tots campaign.

Breakfast with Santa took place on Saturday, December 22nd and once again was a huge success. Over 200 players and parents participated. Over $500 was raised for The Eden Community Food Bank as well as four crates of food was donated. Thanks to all the volunteers for their support.

The OHF Championships take place at the conclusion of every hockey season for all the major age groups and levels during the second weekend of April.

Five teams participate at the OHF Championships; the Minor Hockey Member Partner Championship teams from the Alliance, GTHL, NOHA, OMHA and the host team.

The SHL will be hosting their annual House League March Break tournament from March 13th - 18th. All house league teams in Mississauga and surrounding areas are encouraged to enter and play in this great weekend tournament.

The weekend will kick off with a banquet that brings all five teams together to hear key note speaker Mark Osborne, 14 year NHL alumni and former Toronto Maple Leaf discuss his hockey career.

The new SHL select program is very successful with teams from the Tyke to Midget divisions, representing the league very well in the North York Hockey League as well as tournaments across the GTA. Select hockey gives young players the opportunity to play hockey at a higher level, participate in games through-out the city and become part of a higher skill development program.

The core of the Lorne Park Midget Senior A Hockey team has been together since rebuilding after championship seasons in Minor and Major atom. The team personifies what the minor hockey experience should be with players and parents forging strong friendships over the years and this event will be a great final chapter for the team.

In the 2012-2013 season, the Vic Johnston Community Centre (VJCC) and the Streetsville Hockey League (SHL) announced the creation of the SHL Scholarship Award. These scholarships have been created using the proceeds from the Streetsville Ceilidh, the community fundraising festival held in September of each year. This season a pool of $3000 is available to be awarded to eligible individuals. For individuals continuing on with their education, drop by the SHL office and pick up an application form and learn more about the scholarship program.

The roster includes: Nikil Arora, Nicholas Constandinou, Bradley Cose, Robert DiClemente, William Eddie, Joseph Fantin, Jacob Gardiner, Stefan Iwankewich, Patrick Kucharzak, Dante Labog, Zachary Louch, Nicholas Magnone, Geoffrey McCann, Conor McKenna, Fraser Molgat, Macleod Munro, Patrick Proborszcz, Alexander Sadakhom, Head Coach Tony DiClemente, Trainer Toby Gardiner, Assistant Coach Ron McKenna and Manager Charles Eddie.

Want to play hockey this summer at the VJCC?? Registration for 4 on 4 youth hockey and the Summer Men’s league is now open.

Please join us on April 11th – 14th and cheer these boys on in their final minor hockey experience!

For registration, scholarship and tournament information contact John at 905826-2030 or by email at info@streetsvillehockey.com. For more information visit www.streetsvillehockey.com.

If you are interested in being an event sponsor please contact Event Chair – Toby Gardiner at 416-875-1409 or toby@rjentertainmentpublishing.com.

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Kendellhurst Academy Grade School

By Lindsay Howe

Building Pathways to Academic Success

As part of the regular programming, all students take part in martial arts, tai chi and yoga classes. Seasonally, Kendellhurst offers swimming classes, and beginning next year, skating will be added to the long list of programming offered.

What success in schooling looks like Due to the uncertainty of our current public school systems, an increasing number of families are turning to private schooling as a solution. Kendellhurst Academy Grade School (Kindergarten to Grade 8) offers an enriched curriculum like no other. Students benefit from a wide range of classes, extra curricular activities and ample one-on-one support. All programs are taught by fully qualified and experienced OCT teachers who are dedicated to academic success. Kendellhurst Academy nurtures the student’s mind and spirit through creativity, intelligence and personal, academic excellence.

Extra curricular clubs offered this year include: Mandarin, culinary arts, sports and running club, Lego club, glee club, and recorder club. The most popular clubs will be offered again next year, along with new clubs based on student interests. Kendellhurst also offers both a homework club after school, mandatory for all teachers, and an after school program which runs until 6 p.m.

Kendellhurst Academy is founded by Paula Carrasco-Kendell Hon. B.A., B. Ed. (OCT), M.A.T., Ed. Doc. (OISE/UT Candidate), and John Kendell Hon. B. Sc.. With two highly successful Preschool campuses, in Streetsville and Oakville, the Kendells had many requests from parents to open a private grade school so their children could continue on the path of academic excellence. With two school age children of their own, Paula and John actively sought out a private or public grade school in Mississauga that met their requirements, but came up empty handed. The Kendells made it their mission to build a quality school, offering enriched, individualized programming to benefit their children, and families in the surrounding Mississauga area.

SMALL FOCUS BUSINESS

The pedagogy at Kendellhurst is based on critical thinking, focused on the student’s cognitive skills and the application of those skills. Cross curriculum connections draws together knowledge and skills across subject areas. Communities of inquiry teaches students how to work collaboratively together.

Kendellhurst utilizes conference tables instead of compartmentalized desks to make learning hands-on, co-operative and engaging.

Kendellhurst is founded on a child-centered perspective; every child excels at a different level and has specific needs to be met. Each child has an individualized curriculum plan. This means if a student exceeds the expectations of their current grade level, they will take classes in the grade level above so that each child is consistently challenged to achieve the highest level of academic excellence.

If a student is having difficulty in certain areas, the academic support teachers assist them. Individualized programming allows students the opportunity to progress at their own individual rate.

Character building is integrated into daily teachings to create a social environment that encourages cooperation, sharing, and respect for the similarities and differences of others. Character education teaches students how to get along democratically together, and how to be leaders. Students participate actively in school wide social responsibility projects such as World Vision, Toys for Tots and the Food Bank, helping to reinforce and foster a deeper understanding of human goodness and compassion.

Kendellhurst is a well- rounded school, offering the best programming for its students. Students will benefit from the advanced 40-minute French program taught daily by a certified French teacher (OCT), ensuring second language success. The extra curricular classes and after school clubs are fun and engaging, so much so that students don’t want to leave at the end of the day.

Kendellhurst is truly a close-knit community environment. Small class ratios allow for families to get to know each other. When Kendellhurst enrolls a new student to the school, the family is enrolled along with the child. Communication between teachers and families is key to every child’s success. Additionally, Kendellhurst offers a nutritious and appetizing catered organic meal plan for its students.

Kendellhurst Academy Grade School is offering an information session for parents on Thursday, February 21st from 5:00 - 8:00 p.m. All are welcome to attend. Kendellhurst Academy Grade School is located at 170 Church Street in Streetsville. For more information contact Kendellhurst Grade School at 905-813-8000 or by email at info@kendellhurst.com. Visit Kendellhurst Academy’s informative website at www.kendellhurst.com.

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COMMUNITY CORNER Ontario is helping the Credit River Anglers Association protect Lake Ontario through two Great Lakes Guardian Community Fund, $25,000 grants.

The Credit River Anglers Association is reforesting the Credit River and Black Creek riparian zones and floodplains within the Credit River watershed. This will help protect water quality in Credit River which flows into the Great Lakes.

Family Day skate Vianney Academy of Learning, a local non-profit organization dedicated to helping youth overcome learning disabilities and mental illness, is holding its 2nd Annual Family Day Skate Event in Streetsville. The skate will take place on Monday, February 18, 2013 (Family Day) from noon to 5:00 pm at the Vic Johnston Community Centre, 335 Church Street, Mississauga.

The Credit River is located within one of the most densely populated and fastest growing regions in Canada. The River’s Watershed contains some of the most diverse landscapes in southern Ontario. Hundreds of thousands of people live and work within the area that drains into the Credit River.

The event will feature a fun-filled day of free activities for the community: skating, magic show, crafts, live performances as well as a puck toss competition, silent auction, vendor tables, and fundraising skate-a-thon with loot bags.

Mississauga Youth Film Festival The Mississauga Youth Film Festival, which will take place on May 3rd at the Meadowvale Theater from 7 to 9 pm. The event is dedicated to showcasing youth (aged between 13 and 24) filmmaking and film producing talents, where youth can participate as individuals or in groups of no more than 5. The films will be judged by both a panel of professional judges as well as the public (People’s Choice Awards), and the winning films will receive one of many prizes.

In turn, the lands, waters, and natural areas along the river provide unique opportunities for recreation and well-being while purifying water and air. It is vital that the Credit River is protected and cared for. The grants help local communities and grassroots groups restore the lakes and their tributaries through local actions such as cleaning up shorelines and protecting and restoring wetlands.

Protecting and restoring the Great Lakes is part of Ontario’s plan to enhance quality of life for Ontario families and ensure a strong, green economy for future generations.

The Credit Valley Hospital Foundation The New Year has started on a high note for The Credit Valley Hospital Foundation as they proudly announce that Mrs. Betty Birmingham has stepped forward with a pledge to match, up to $1 million, funds being raised to establish a surgical robotics program for cancer care at Credit Valley Hospital. This announcement is just in time for the Foundation’s upcoming February 9th Laugh Out Loud fundraising event which is raising money for surgical robotics.

Streetsville Historical Society The Streetsville Historical Society will be holding their General Meeting on Thursday, February 14th at 7:30 pm. The speaker will be Richard Collins from Museums of Mississauga and his topic will be 38 Reasons to Save Our Lighthouses. All are welcome and there is no charge. The meeting will take place at Specialty Care, 4350 Mississauga Road.

Toys for Tots Fundraising Events: Another Successful Year By: Lindsay Howe Each year events are held in November and December to help raise money for the Peel Regional Police Toys for Tots charity. The Regional Police Toys for Tots charity is in partnership with The Salvation Army and Canadian Tire to raise money and collect new, unwrapped toys. The program aims to serve the needs of financially disadvantaged children in the Region of Peel. For 20 years Toys for Tots has managed to raise a million dollars each year, giving families hope and encouragement for the holiday season.

The upcoming Laugh Out Loud event, featuring comedian Howie Mandel, will be held Saturday, February 9. For one night, the International Centre will be transformed into a lavish comedy night club, taking inspiration from some of the world’s most famous comedy venues. Prior to headliner Howie Mandel, the expected 1,000 guests will be entertained through four separate comedy stages before entering the Laugh out Loud main stage hosted by comedian Gerry Dee. To purchase tickets or to make a donation that will be matched by Betty Birmingham, please visit www.lol4cvh.ca or call The Credit Valley Hospital Foundation at 416-813-4123.

The most popular Toys for Tots fundraising event was the 3rd annual hockey charity event, which took place on Friday December 7th at Iceland Arena. The event was put on by the Lorne Park Hockey Association (LPHA), and sponsored by the Salvation Army and Canadian Tire. The game featured some of Canada’s finest hockey legends: the Toronto Maple Leaf Alumni players vs. the LPHA coaches. Leaf Alumni players included Darryl Sittler, Rick Vaive, Dmitri Mironov, Bill Derlago, Mark Laforest and Gary Leeman. Also in attendance was Mayor Hazel McCallion, Councillor Jim Tovey, and MPP Charles Sousa. Along with an action packed game, everyone present enjoyed the entertaining pranks and shenanigans that occurred.

Local lemonade stand raises $2,500 for Sick Kids!

On Tuesday, August 28th, two local little girls ages 6 and 8 years old decided to host a lemonade stand to raise money for Sick Kids Hospital in front of Dentistry in Streetsville 100 Queen St. South.

With generous support from the community and friends these two ambitious entrepreneurs raised $2,500 for Sick Kids Hospital. Way to go Yeraz and Lalig!

The spirit of giving was truly in the air that evening. The hundreds that attended gained entry by purchasing a $10 ticket, or by donating a toy of equal or greater value. Due to the overwhelming generosity of those that attended the game, hundreds of less fortunate children received special gifts at Christmas. From this event alone, Toys for Tots brought in almost 1,000 toys and raised $9,000 last year. Special thanks goes out to everyone who came out to watch this fantastic event, as well as the LPHA and Maple Leaf Alumni Players for all their support in making this fundraiser a success!

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www.davidmosley.com

Main Street Square Redevelopment Plan

By Lindsay Howe

Federal Government Invests $1 Million Towards Streetsville Much talk has been made about the revitalization project to spruce up the Streetsville Main Street Square, drawing more people to the heart of the village. On January 11th Mayor Hazel McCallion and the local community gathered around the square to accept a very generous $990,000 cheque from MP Brad Butt on behalf of the Federal Government.

The redevelop plan will benefit everyone in the community. The Streetsville BIA wants to lure more people to the village by turning the square into a lively spot for people of all ages to enjoy and take part in. It is hoped that in the spring and summer the square could be closed down to make way for various attractions including a farmer’s market or jazz festival.

The substantial donation from the Federal Government brings the village much closer to reaching the projected $2 million dollar cost of the redevelopment project. Other donations include a $25,000 grant from 8-80 Cities, a non-profit organization funding public engagement. A total of $1.5 million is already earmarked for the project. The remaining funds will be raised within the Streetsville community.

Streetsville square is already a popular location, especially for students who will often skateboard and eat on the cenotaph. In light of the fact that the cenotaph is a war memorial serving to commemorate Canadian soldiers, Mayor Hazel McCallion hopes the sacred memorial will be moved to a more stable location so it can be preserved for many years to come.

Definitive plans for Streetsville Main Street Square are still being discussed. The initial plans of the redevelopment project will be decided on soon. Residents of Streetsville can count on the square being transformed into a great public space for our community! Stay tuned to the Streetsville Village Times for upcoming details.

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HEALTH AND WELLNESS

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7 DAYS TO CHANGE YOUR LIFE: The Real Food Challenge

By Crystal Mallari, Fitness Professional, Certified Nutrition Coach & Adler Trained Life Coach www.getcrystallized.ca Dinner: Dinner is the meal where most people splurge and eat far more calories than they should. Eating at home is the first step in reducing your dinnertime calories.

Processed foods, additives and chemicals are inferior to real food and are potentially harmful to your health. So why do you still eat it? Why do you still eat that packaged granola bar and snack on those whole grain crackers? You may think that heart healthy label means something, but it doesn’t hold a candle to real food.

Dinner ideas: Grilled white fish, sautéed spinach and almond bread.

Baked chicken breast with steamed broccoli and quinoa.

A big bowl of arugula topped with sautéed asparagus and sliced hardboiled eggs.

What is Real Food?

Here’s an easy way to tell if your food is real or not: If your food can go bad, it’s good for you. If your food can’t go bad, it’s bad for you. Real food is fresh and unprocessed.

While healthy eating is a huge factor in achieving your ideal weight, exercise is the other (very important) half of the equation. Your exercise routine should be challenging and should be done on a regular basis. Email today and we will get you started on the exercise program that will reshape your body in 2013.

Why try the Real Food Challenge?

This real food challenge has the potential to change your body forever. Take the next 7 days to ONLY eat real food. One week is a very short time in the grand scheme of things, and I know you can do this. Just try it for one week to see and feel the difference in your body.

Just 7 Days!!!

How quickly does a week fly by? Pretty fast, right? When you decide to eat only real food for 7 days you will be amazed at the positive improvement that you feel and see in your body. Do this challenge for yourself. In one short week you could be in the same, worse, or you could be leaner and excited. The choice is yours. For a FREE CONSULTATION email Crystal at crystal@getcrystallized.ca.

The Rules During the next 7 days you will avoid eating all of the following food items: Bread, Grains, Rice, Crackers & Chips, Packaged snacks, Sugar & Corn Syrup, Soda Pop, Packaged Bars, Baked Goods, Candy Here’s a list of the real foods that you will eat instead: Seasonal, organic Vegetables, Seasonal, organic Fruits, Lean, organic meat, fish & eggs, Nuts and Seeds

GRAIN-FREE RICE RECIPE: Just because you’re giving your body a break from grains this week doesn’t mean your dinner will be rice-less. Fresh, organic cauliflower makes the perfect base for grain-free rice. Serve with a side of lean meat and a fresh garden salad for a low carb, real food meal. Servings: 4

Those four categories of food can be combined into endless, flavorful combinations. Check out the following meal ideas:

Here’s what you need...

1 head organic cauliflower, 1 Tablespoon coconut oil, Salt and pepper. Wash cauliflower, discard the leaves, and chop into small pieces. Grate the pieces with a food processor. In a large skillet heat the coconut oil over medium. Add the shredded cauliflower. Sauté for about 5 minutes, until tender. Season with salt and pepper. Serve as you would traditional rice.

Nutritional Analysis: One serving equals: 66 calories, 3g fat, 87mg sodium, 7g carbohydrate, 4g fiber, and 3g protein

Breakfast: Breakfast is the most important meal of the day. What you decide to eat when you first wake up will set the tone for the rest of your meals that day.

Breakfast Ideas: Scrambled organic eggs, sliced tomato and a handful of seasonal berries.

Half of a dressed avocado and a few slices of nitrate-free bacon.

Pancakes made with coconut flour and topped with chopped nuts.

Lunch: Plan your lunch ahead of time in order to avoid turning to a fast food joint or vending machine! Pack your lunch the night before and carry it with you.

QUALIFICATIONS: Certified Personal Trainer Specialist (CanFitPro PTS), Fitness Instructor Specialist (CanFitPro FIS), Certified Nutrition Coach (Precision Nutrition), Adler Trained Life Coach (Adler Learning), Tabata Bootcamp Trainer (Tabata Bootcamp/Mindy Mylrea),Piloxing Fitness Instructor (Piloxing Academy), Motherwell Maternity Fitness Instructor (Pre and Post Natal certification), The Lebert Equalizer Athletic Training Level 1 (Fitness Kickboxing Canada certification), Twist Conditioning (BOSU Integrated Balance certification), CPR C certified (CanFitPro).

Lunch Ideas: Dark baby greens topped with chopped chicken breast and diced tomatoes.

Albacore tuna (packed in water), mixed with finely chopped cucumber over cauliflower rice. (See recipe below) Turkey and Spinach Salad

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If you’re a parent, please read!

By Silvia Yeomans, Kingsway Opticians and Queen Spectacle

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Many parents today think that the vision screening done in schools is enough of an eye exam for their children. The truth is that these screening normally just checks your child’s distance vision, but does nothing for their near vision. Some schools don’t do any vision screening, or it’s done only for certain grades. Eye exams are very important, and should be done annually for your child...at all ages! Children should be visiting their pediatrician, their dentist and their optometrist. A comprehensive eye exam tests evaluates visual skills. Common vision problems go undetected, and (in some cases) can be misdiagnosed as a learning disability or behavioural problem.

A child’s eye exam includes the following: 1) Testing their visual acuity (sharpness, clarity) at 20 feet and their short distance (for reading) 2) Testing their ability to maintain clear vision at varying distances 3) Eye tracking, where the optometrist checks the ability of the eyes to look at and accurately follow an object 4) Testing their binocular vision (using both eyes together at the same time to move, aim and work as a team) 5) Testing their colour vision Children don’t like the idea, but the truth is that school is starting soon. Please get your child(ren)’s eyes tested. Annual eye exams are covered under OHIP up to 20 years of age. It’s a simple test, and it’s available at our locations in Streetsville , Port Credit and The Kingsway . Have their eyes tested by an optometrist!

If you want more information on getting your child(ren)’s eyes tested, please contact us!

Silvia Yeomans is an Optician and owner of Queen Spectacle and Kingsway Opticians. For your added convenience, there are 3 locations to serve you better; in Port Credit, Streetsville and The Kingsway. Visit www.queenspectacle.com or contact Silvia Yeomans (silvia@queenspectacle.com) for any questions regarding your eye care or having your child(ren)’s eyes tested.

• Full Design & Renovation Services • Wide Selection of Granite & Quartz Countertops • Architectural Millwork & Custom Cabinetry

Mon - Fri: 9:00 - 5:00 Sat: 10:00 - 2:00 Evenings by Appointment Call or Visit Our Showroom

12 Mill Street, Streetsville • 905-812-7812 www.millstreetkitchens.com

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Empower Your Life at Yoga City!

Welcome to Yoga City, Streetsville’s newest Yoga Studio. We are opening soon! And we are looking forward to becoming part of your community. Namaste.

Yoga is an ancient physical, spiritual discipline originating in India more than 5,000 years ago. The word Yoga means “to unite”, bringing together the body, mind and spirit in one harmonious experience. In practicing yoga, you’ll bring to your life a sense of spiritual awareness and you will achieve inner peace. It will inspire you to accomplish a more balanced lifestyle.

Yoga City wishes to contribute and teach this ancient philosophy to our Streetsville community so you too can benefit from the grace of yoga and align yourselves with the perfection of the universe. Yoga City is more than a yoga studio; it is also a place of healing. When you walk through our doors, you will find peace, tranquility and nourishment for your body, mind, and spirit.

Yoga City offers the highest quality yoga and wellness programs; teacher training, workshops to help empower your life and nutritional counseling. We are committed to the health and well-being of our bodies, our community and planet. Our certified teachers are here to assist you in exploring the right path to health, happiness and peace of mind. Our coaching programs are designed to help give guidance to our cliental by providing specific strategies for lifestyle change and goal attainment. It is a partnership that will facilitate results in our clients’ personal lives. Through this process of co-creative relationship, clients will deepen their understanding of themselves, their desires which will in turn improve performance and enhance their quality of life.

Yoga City’s Teacher Training program will transform your life! What an admirable gift to share with others, strengthen your spirit and deepen your yoga practice.

Yoga City offers flexible class times to accommodate people’s busy life styles.

The founder of Yoga City, Mary Vivilecchia is a Certified Instructor and Wellness Coach and brings a wealth of knowledge, experience and dedication to all of her clients.

STREETSVILLE SUMMER HOCKEY

Individual and team applications are being taken at the Vic Johnston Arena

Vic Johnston Summer 4 on 4 Boys and Girls Hockey 12 weeks of hockey Starting the Week of April 28th

NEW! Spring 8 Game REP/SELECT DIVISIONS – Sunday’s May 5 to June 23 NOV/ATOM/PW/BANT between 12:00pm-8:00pm

House League/Select/Rep Mixed Program

Mondays • 7/8 yr olds – 6pm and 7pm • 11/12yr olds – 8pm and 9pm Wednesday • 9/10 yr olds – 6pm and 7pm • 13/14yr olds – 8pm and 9pm Thursday • 10/11 yr. olds – 6pm and 7pm • 15-17 yr. olds – 8pm and 9pm

All games are 3 x 15 minute running time periods No body checking • Jerseys are supplied by the league

For full details visit www.vicjohnston.ca 335 Church Street • 905-826-2030 www.vicjohnston.ca

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Financial Health Checkup

By Harold Johnson, CPA, CA, LPA

Our Top 10 Healthy Weight Loss & Nutrition Tips for 2013 Simple everyday nutritional eating tips everyone can benefit from!

Health and Wellness relates to our financial well being also! How much of the stress in our lives results from the financial burdens that are upon us?

How can we achieve our well being, get and stay healthy without addressing this crucial aspect of our lives?

Healthy weight loss and nutritional eating tips apply to anyone interested in becoming healthier throughout 2013, and the years beyond! These 10 simple tips for weight loss also make good nutritional sense so we encourage you to starting adopting each tip slowly. You’ll find the top 10 tips for weight loss and nutrition will help you experience better health & feeling of well-being.

One of the best ways to maintain financial health is by utilizing a financial diagnostic tool that provides us with a Financial Health Check for our business clients. The diagnostic tells us what is going well and what is not going so well.

We then have a basis to address the issues. From the diagnostic we work out a plan that addresses the good and the bad. How do we keep doing the things we do well, and how do we fix the things that need fixing?

With any wellness plan you need time for the healing to take place. This is exactly the same in a financial plan. There will not be a turn around over night, but in the short and long term, a focused plan will deliver the results that a business needs to succeed. Some areas can be changed with a quick fix. Others will take a longer time for the changes to take hold. The key is to have an organized “rehab” schedule. Just as you would see a health specialist to monitor the progress on a health or recovery plan, a financial health plan requires regular review in order to monitor the progress and document changes in the process, and ultimately suggest any remedial action that may be required.

Healthy Weight Loss & Every Day Nutritional Tips 1. When you first feel a pang of hunger, don’t reach for the regular sugary carb snack; instead, reach for an 8 oz. glass of clean purified water. This will suppress the feeling of hunger that’s often mistaken when the body really wants water anyway. Be sure you are drinking lots of clean water throughout the day; the last sign of dehydration is a dry mouth.

As public accountants, we know full well of the fear of fees from our clients.

There is a concern that every minute spent on a client will be billed resulting in the value proposition being lost in the fear. At MBS, we understand the fear of fees. When we work with clients on a Financial Health Check, and recommend a program to deal with the diagnostics, we are able to explain what the fees for the plan will be. Further to this, we can guarantee that if the plan does not recover cash or an increase in value to your business at least equal to our fees, we will refund the fees. That’s how much we believe in our program.

2. At every meal time, stop eating when you are about 80% complete. It takes the brain about 20 minutes to register food is on the way and this is a great way to control the serving size and still eat well.

The Financial Health Check will provide a diagnostic report that will focus on the areas that need to be maintained and the areas that need improvement. Our planning process adds value to your business. The results can generate better cash flow, reduce your risk, or improve the value of your business. There is no magic wand. The process requires a commitment from the business and a commitment from us. A schedule needs to be established and followed. Goals need to be set and monitored. And in the end, results can be achieved.

When indulging on “evil” foods like desert trays (we all do), don’t try to eat them all! Instead take 1 or 2 samples and really enjoy each without guilt.

Eat lots of fresh fruits between meals and the best time to eat fruit is either 20 minutes before a meal or midway between meals as it helps regulate your blood sugar and diminish cravings.

Eat fresh vegetables with every lunch and evening meal. When you are selecting the main course always try to avoid mixing proteins (meats) with starches (breads and potatoes).

Think about it - the large businesses and the successful businesses out there in today’s marketplace are successful because they plan, set goals, have diagnostics and invest time to the process.

This is a part of our VIBA program Value Improvement Business Advice.

It is here, it is available, and it is proven that the process more than pays for itself. We believe we have taken the risk out of the decision and look forward to being able to help your business become and stay healthy.

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MBS

Limit animal protein consumption to not more than 4-5 servings per week which means some days you should be consuming vegetarian dishes.

Do substitute animal proteins with legumes, but start slowly. You can use lentils, dry beans and peas and you’d be amazed at just how delicious the recipes are.

Do not drink liquids with your meals. If you are thirsty, try to have a glass of clean water 10 minutes or so before the meal. While you are eating, you want your body to be efficient at digesting the foods and absorbing the nutrients you are consuming. This also helps with natural body cleansing functions & efficiency.

FinancialGroup

Harold G. Johnson, CPA, CA, LPA t. 905 819 88035 e. info@mbsfinancialgroup.ca 168 Queen Street South, Suite 207 Mississauga(Streetsville), ON L5M 1K8 mbsfinancialgroup.ca

Don’t wait till you’re starving to eat as this will only encourage binging. Be sure to have a snack of veggies and a fruit with you between meals and drink water which will help avert feelings of starvation and cravings.

Do overdose on vegetables! Have 7-10 cups or more a day and look for ways to enjoy them raw like having a good dip. When you want your veggies cooked, lightly stream them to persevere their essential nutrients. (This really is a healthy weight loss tip at its best; no one ever gained weight eating too many veggies!)

These top 10 tips for healthy weight loss & nutrition will improve your weight loss program and here are a few more secrets of healthy weight loss that can make it even better. When you adopt these healthy weight loss & nutrition tips, the new habits you learn and adopt form the basis of an excellent weight maintenance program.

JUNE 14-15-16 Spectacular Rock Orchestra Phenomenal Culinary Cuisine • New Adventures for Kids Father's Day Tributes • Carnival • Sports Zone Family fun for everyone The MWF Market Place and more fun stuff for kids!

Author: Diane McLaren is one of Canada’s top Holistic Health Practitioners and owner of the Healthy You Naturally Wellness Centres in Mississauga. In practice since 1994, Diane and her team of nutritionists offer iridology & nutritional health care services as well as natural weight loss programs and natural health courses.

Learn more: www.hyn.ca or call (905) 855-3000 .

FREE ADMISSION! MEMORIAL PARK • PORT CREDIT

www.THEMWF.com 18

What’s a heart healthy diet?

By Suzie Lapierre, Certified Personal Trainer, CFPA - Fitness & Nutrition Specialist, ICSC

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The Aging Process

The first step in a heart-healthier lifestyle is a heart-healthy diet. Here are some guidelines to help you plan and personalize your diet:

What does aging mean to you? For many people it simply means getting old. However, if you look closely at our aging population, you will soon realize that there are many variations in how each individual experiences aging; as well as several contrasts in how men and women change as they get older. Some folks can run marathons in their eighties, while others are so debilitated by illness, that just getting out of bed in the morning is a major effort.

1. Calories count.

Being overweight is one of the primary risk factors for heart disease, so be sure your calorie intake is appropriate to achieve and/or maintain a healthy weight.

2. Eat plenty of fiber.

A high fiber diet will help you control your weight (by controlling your appetite) and also can help you maintain healthy cholesterol levels. Twenty-five grams of fiber per day is the recommended minimum. Ideally, aim for 35-40 grams of fiber per day.

The good news is that many of these differences can be explained, prevented or managed. Most often, the variations that are visible in seniors can be easily observed by health or physical examinations. Yet, there are many emotional and social aspects of growing old that can make aging stifling for others. If you learn to understand the aging process, you can be ready to handle several of the consequences and barriers it may present. By doing so, you will be able to spend your time enjoying some of the most relaxing, exciting and memorable moments in your life.

3. Eat lots of fruits and vegetables Fruits and vegetables contain fiber (see #2) but also are rich in antioxidant nutrients that help protect your heart. Eat at least five servings of colorful fruits & vegetables (such as carrots, berries, peppers and broccoli, etc.) to get a minimum of 100% of the daily recommended amounts of vitamin A, C, K.

To learn more about what successful aging looks like, Comfort Keeper’s would like to invite you to an information hour, where you may explore and discuss the physical, social and psychological aspects of aging. Moreover, we will be happy to explain how the services that we offer can support you or a loved one through this inevitable process.

4. Emphasize healthy fats.

A heart-healthy diet doesn’t necessarily need to be a low-fat diet. A diet rich in monounsaturated fats can help lower cholesterol, blood pressure, and other risk factors. Monounsaturated fats are olive oil, avocadoes, and nuts such as almonds. Use these as your primary sources of fat.

For further information contact COMFORT KEEPERS – East & Central 23 Pearl Street, Mississauga, Ontario L5M 1X1. Call (905) 813-3074 or visit www.comfortkeepers.ca.

Join in an information session: Wednesday, March 27, 2013 from 6.30-7.30pm at 23 Pearl Street, Mississauga, Ontario L5M 1X1.RSVP to marshaschofield@comfortkeepers.ca or call 905-813-3074.

5. Watch your sodium A diet high in sodium can lead to high blood pressure. The USDA recommends limiting your sodium intake to 2300mg per day, but most Canadians and Americans eat about twice that much. Those with high blood pressure are advised to reduce sodium to 1500mg a day.

6. Limit your intake of sweets and refined carbohydrates Foods that are high in sugar and refined carbohydrates (which includes many low-fat foods!) can create sharp spikes in blood sugar and ultimately increase your risk of both heart disease and diabetes. Choose whole grain foods whenever possible and consume sweets occasionally or not at all. For a naturally sweet treat, enjoy fresh fruit. (See #3.)

A NIGHT WITH

HOWIEMANDEL MANDEL HOWIE A NIGHT WITH

BENEFITTING BENEFITTING

THE CREDIT CREDITVALLEY VALLEY HOSPITAL THE HOSPITAL

FOUNDATION FOUNDATION

SATURDAY FEBRUARY 9, 2013

7. Drink 10 glasses of natural spring water every day.

60-75% of your body is water, 80-90% of your brain and 10-15% of your bones.

I’m sure you’ve heard that before, but doesn’t that tell you something? Keep a glass of water handy, there’s nothing that can replace it. Water is the one key ingredient to health. You must take it the right way for full health and vitality. Your body’s processes depend on water. It helps you recover and heal from hurts and illnesses, cleans out the system, and even improves digestion and increase athletic and sexual performance.

The International Centre Laughing begins at 6pm

Laugh Out Loud with Howie Mandel and Gerry Dee as we raise money to establish a regional surgical robotics program for Halton/Peel, benefiting cancer care.

All funds raised will be matched dollar for dollar up to $1 million by a generous donor.

1. The first key is the amount of water you need. 10 glasses a day is a start. More exacting is to drink half your body weight in fluid ounces. But of course this depends on your level of activity and the temperature.

BUY YOUR TICKETS TODAY* Go to www.lol4cvh.ca or call 905.813.4123

2. The second thing is the frequency. Ideally, you want to be adding water to match your body’s use throughout the day. Have a glass handy so you can pace yourself and drink before and during when you’re especially active.

* Tickets include 3 themed comedy clubs, LOL main stage event, dinner and after party.

3. To complete the picture, you have to consider the quality of water. All water is not the same. Tap water has so many toxins these days, prescription medications and chlorine. The chlorine alone increases your chances of getting cancer by 93% over your lifetime, according to the Environmental Protection Agency (EPA).

Proud Supporter of Trillium Health Partners

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10 th Anniversary

In support of Sponsor A Child

S P EAKE R

LEGENDARY

MICHAEL “PINBALL” CLEMONS PASSION & SPIRIT

THURSDAY, MARCH 28, 2013 5:30 PM (Doors Open for Cocktails & Networking) LO CATIO N: Le Treport Banquet & Convention Hall 1075 The Queensway East, Mississauga

For tickets call the 905-891-0002 Reserved tables of 10 available.

TI C KETS: $125 Per Person or $1,150.00 for a Table of Ten Ticket Includes: Door Prize • Speaker • 4 Course Dinner Gift Bag • Entertainment by: Michael Ciufo

P R E S E NTE D BY

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m FINANCE Value For Money Investing

Chasing beta is certainly a sure way to capture market equal returns on a day to day basis. Almost two years ago I got a new truck. Of course, a big deal was made about how good the gas mileage was in these new vehicles. They even come with a range of graphics on the dash to demonstrate how well you are doing with your gas mileage. I watched carefully for a few months. The usage in the city on a minute by minute basis took the whole scale top to bottom. Bad to great with a release of the gas. In fact, I found I get the best mileage when braking lightly after going fast. Still eating up those kilometers, without using gas. Just haven’t figured how to get to clients by braking only. The daily average was all over the place as well. Having gained much insight about braking etc., I thought I should think longer term. I have not reset the calculator in over a year and a half. After a few months, the average started to stabilize. It would rarely change at all day to day, unless I was all highway (or all idling with no kilometers but using gas). Now, I cannot get the average to budge (and it’s not pretty, apparently I drive too fast on the highway). No matter how or where I drive tomorrow, my truck is going to report that I am on average. Minute to minute and day to day the readings are still all over the map, but my long term gas usage is unchanging. This is a real world example of a long term trend with mountains of data. The trend is established and unwavering AND it tells us nothing about the current or short term use and vice versa.

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. Costs do matter! It’s all Greek to me. I am going to start this time with an apology. I usually try to keep these articles un-technical and as free of jargon as possible. Not this time, since jargon will play a large part in getting to the point. We are going to keep tripping over Alpha and Beta, two important terms in financial mathematics. We will also do some math, figuratively.

A key term in finance is Beta. You can think of beta as simply an observation of how similar an investment moved with a change in the market. Some examples. If the market goes up 1% and your investment goes up 1.2% or 1.2X the market change, you have a beta of 1.2. Or, if every time the market goes up or down, your investment goes up and down in exactly the same way, you have a beta of 1. Alpha is the term used to describe the result obtained above the observed beta. If you hold investments with a beta of 1 and the market is up 10% and you earn 11%, you just earned an alpha of 1%. If you held investments with a beta of 1.1 and earned 11% on the same market gain, you earned only beta. In simplistic terms, Alpha is best thought of as the part of the return that is not beta. Somewhere, sometime, I read alpha is “I’m a genius” returns, and beta is “everyone gets paid” returns. Having become disappointed with managers that are trying to deliver alpha, be a genius and yet have not beat the market, investors are more and more turning their attention to beta. After all, your managers suggested that you evaluate their results based on a comparison to a benchmark or index over a given time segment. This is simply the evaluation of the manager’s beta over the same time segment. It has been observed by many that their manager lags the benchmark or index frequently (on average an 85% lag), meaning that their investments returned less than the market, or less than a beta of 1. They have managed negative alpha. So, why not just capture the beta and invest in the market itself? Thus the rise of index investing to capture beta and get paid like everyone. Here is where it gets dicey. You did poorly seeking alpha and now you might not want beta, at this time anyways and probably not this beta. Remember, beta is simply what the market itself returns. Beta is usually calculated using the daily, weekly or monthly returns against the market.

The stock market index is a reading like the daily usage on my vehicle, up and down, up and down. How much gas I used today. Beta is the up and down on a daily, weekly or monthly basis. Is that really what you want? The long term trend, your average return, like the average amount of gas I have used in the last eighteen months, is not reported each day yet it is likely why you are in the market in the first place. You want to have a chance at earning a return similar to the long term average of the markets. Not the eighteen month average like in my truck but the 50 or 70 or 100 year average return. That was the chart your advisor showed you. It demonstrated the trend.

Exchange traded funds are the hottest way to capture beta today. The broad market index ETFs available track the markets quite closely, minus the fees. Buy today and going forward you will get what the market gets, minus the fees. Well, markets go up and markets go down. Chasing beta is certainly a sure way to get the market return, but if the market goes down, you go with it. What is forgotten is that we do not want tomorrow’s result or the next day’s result. We want to achieve the long term average return provided by the market. We want to have the trend.

We want to know and be sure that over the long term we will have the same gas mileage that we have always had.

Nurture your wealth

Now for the math. Sorry. You are going to do it, not me. First, for the last month I have been on vacation, driving nothing but highway miles (slowly, seeing the sights, so fabulous mileage). Am I above trend or below? Should you buy ETFs now or let me do some city driving for a while when I get back to the office? Has the stock market just out performed or underperformed? Where is it relative to the trend? If you buy above the trend line, you can never obtain the long term market average, ever. If you buy below the trend line, you may obtain more than the long term market average. Index investing is not stock investing. No alpha or genius results possible. If above trend, the math has you at a disadvantage immediately. The last decade was disappointing for many seeking alpha from a manager. Make sure the next decade is not disappointing seeking just beta from ETFs. Our clients have been seeking the trend using ETFs and index funds for over 10 years. Shouldn’t you?

Sleep well every night Enjoy your After Party to the fullest

Join us for our next “Meet the Columnist” on February 13th from 2 to 4 pm or 7 to 9 pm. Space is limited so please contact Jean Dizon at 416-410-9809 or jdizon@efficientwealth.com to RSVP and obtain Port Credit location.

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.

ENJOY YOUR FUTURE BY CAREFULLY HARVESTING CASH FLOW FROM YOUR LIFETIME OF SAVINGS

We are money coaches. We created a new coaching program called The Gratifying Harvest. The program helps you enjoy your future by carefully harvesting cash flow from your lifetime of savings or preparing you to do so. The Gratifying Harvest is an advanced program that takes everything to a much higher level and is only available from Efficient Wealth Management.

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COMEDY FESTIVAL FEB 28 – MARCH 2, 2013

FOR FESTIVAL DETAILS AND ONLINE TICKETS VISIT

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BOX OFFICE: FORRIC’S RECOLLECTIONS, 257 LAKESHORE ROAD E / IMPRESSIONABLE GIFTS & DÉCOR, 74 LAKESHORE RD. E

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Please support our local Food Bank by bringing cash and non-perishable food items.

Donation boxes will be located at all venues.

Ward 11 update

By Councillor George Carlson This year will be an exciting year for Streetsville. Plans are underway to revitalize and transform the Town Square into a vibrant and exciting public space.

8-80 Cities will be preparing a Report with recommendations on the Streetsville Town Square Project in January 2013. This will be followed by a presentation to Council in February 2013.

The present Town Square, which houses the Cenotaph monument, has been an enduring feature of downtown Streetsville for over 70 years. The 18-foot Cenotaph was originally constructed in 1926, when the Streetsville Overseas Veterans’ Association, under the leadership of Major Rev. Frank Vipond (a local resident who served as a chaplain during the First World War), wanted to construct a memorial to honour local residents who served in WWI.

I am very happy to report that the Town Square Project was selected to receive $1 million in infrastructure funding from the Federal Government, through MP Brad Butt, under the Community Infrastructure Improvement Fund (CIIF), which is part of Canada’s Economic Action Plan. The gross budget for the Town Square Project is approximately $3,100,000. CIIF funding is available for the rehabilitation, improvement, and expansion of existing community infrastructure. To be eligible for CIIF funding, projects must be substantially completed by March 31, 2014, which means that the Town Square will be redeveloped relatively quickly over the coming year. I am also very pleased to report that CS&P Architects, who worked on the design and construction of the award winning Celebration Square in downtown Mississauga, have been hired to work on the Streetsville Town Square project, so we can expect excellent work.

Plans to revitalize the Town Square began in December 2011, when the City of Mississauga, with assistance from my office, submitted an application for revitalization of the Town Square, under the 8-80 Cities Make a Place for People project. The Make a Place for People project focuses on collaborating with communities to create vibrant and dynamic public spaces that are shaped by the community’s vision for the space. 8-80 Cities received 34 applications from interested communities across Ontario, and Streetsville was awarded $25,000 in services to revitalize the Town Square.

I am looking forward to seeing the plans for this project and anticipating the start of construction. I will provide more information about this project as it becomes available via my print and e-newsletter edition Councillor’s Reports. In the meantime, for more information about the Streetsville Town Square project, please contact Randy Jamieson, Project Manager, at (905) 615-3200 x 4133 or randy.jamieson@mississauga.ca .

This past summer, staff from 8-80 Cities conducted a number of site visits to observe the number of individuals using the Square and understand how these individuals presently use the Square. During four days of observations, approximately 860 people (aged 19-50) were observed using the Square. The most popular activity was walking (62%); followed by sitting at the Square (15%); going to Murphy’s to get ice cream (5%); biking (2%); and maintenance (2%). 90% of people observed spent less than 10 minutes there.

I look forward to enjoying the new Streetsville Town Square and its exciting programming, activities, and events with our community! As always, if you need any assistance on this or any other municipal matter, please don’t hesitate to call my office at 905-896-5011, or e-mail at george.carlson@mississauga.ca.

As the observations indicate, the Town Square is not being used to its full potential as a dynamic space, and it has great potential to be transformed into an exciting community space, with great concerts, festivals, markets, etc.

To begin creating a shared community vision for the Town Square, public engagement sessions were held in fall 2012, and many amazing ideas were generated and shared by the community. In fact, over 600 ideas to revitalize the Town Square were collected at the engagement sessions. Some of the suggestions submitted include the following: • A Shared Space: A shared space that is safe for cyclists, pedestrians and drivers, where vehicles will travel at a low speed • Farmers Market: Farmers markets and markets taking place in the square • Music and Movies: Movies and a wide range of concerts during the summer • Community Events and Activities: Events, activities and programs that help to build community (open air movie nights, concerts etc.)

• History: Recognition of the unique heritage and history of Streetsville to be highlighted in the Town Square • Sitting and Gathering Spaces: Places where people can sit and gather at the Square (e.g. benches, tables, gazebos) • Cafés, Food & Market Programs: Cafés surrounding the square and other events that can gather the community to the Town Square • Road Changes: Physical changes in the traffic infrastructure such as speed limitations and removal of parking spaces • Permanent Street Closures: Closing one or more streets around the Town Square • The Cenotaph: Retained at this location and enhanced to reduce vandalism and inappropriate use

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