PINK Magazine - Vol. 2 December 2013 by Compass Advertising

FREE MAGAZINE Vol. 2 - ISSUE 12 - DECEMBER 2013

Real Estate 101

IN THE SPOTLIGHT

BOOK CLUB

CharMaine Luscombe

CARLA NICHOLLS

Marie Donais Calder

Fashion column by Riley Lawson | beauty column by Sara Lindsay | Hair column BY Joy Amistad

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Features

Vol. 2 - Issue 12 - December 2013

8 4 |

Cover Story Holly Barker

FOR SASKATCHEWAN WOMEN | VOL. 2 ISSUE 12, DECEMBER 2013

In The Spotlight Carla Nicholls

Book Club Marie Donais Calder

In this Issue

Our Team Publisher Compass Advertising Ltd. info@getcompass.ca ART DIRECTOR & Managing Editor Mustapha Itani moe@getcompass.ca GUEST Editor Jenn Smith Nelson jennsn@myaccess.ca WRITERS Jenn Smith Nelson jennsn@myaccess.ca Lee Parent shayneandlee@yahoo.com Jessica Reimer jrwritesthings@gmail.com Gail Jansen-Kesslar gjansen@sasktel.net Cheryl Kirkness cheryl@momsandmunchkins.ca Sara Lindsay info@saralindsay.ca Riley Lawson style@rileylawson.com Joy Amistad carmeljoyamistad@gmail.com CharMaine Luscombe charmaineregina@gmail.com Gary Weisbrodt gjconstructs@mac.com

Gisele Gherasim info@brothersandco.ca

14 Events in Saskatchewan

Dale Strawford streeha@gmail.com

20 holiday recipes

Cathe Offet coffet@cruiseshipcenters.com

22 Holiday makeup

Graphic Designer Courtney Larson courtney@getcompass.ca

23 the holiday season is here!

Photographer Cover Story Darrol Hofmeister Sharpshooter Photography (306) 949 9113

Account Executives Don Hahn (306) 536 8478 don@getcompass.ca James Huber (306) 536 1995 james@getcompass.ca James Morrow (306) 502 0927 jmorrow@getcompass.ca Ferhat Saglam (306) 501 3191 ferhat@getcompass.ca Geoff Thomas (306) 531 7595 geoff@getcompass.ca

Beauty column by Sara Lindsay

Fashion column by Riley Lawson

Hair column by Joy Amistad

25 PINK’s Christmas wish list

What to get your loved ones?

26 laser treatments Helping women feel and look their best

29 REAL ESTATE 101

By CharMaine Luscombe

30 Design Matters

Gary Weisbrodt

34 HOW TO AVOID...

Winter weight gain

37 year end tax planning strategies

By Gisele Gherasim

38 Two for the road

Travel column by Dale Strawford

40 Tips on hosting...

A holiday soiree

41 Tips for Holiday travel

By Cathe Offet

42 MOMS & MUNCHKINS

Copyright 2013: PINK Magazine for Saskatchewan Women is a Compass Advertising Ltd. publication, published monthly and distributed free on stands across Saskatchewan. All rights reserved by Compass Advertising Ltd. Reproduction in any form of any material in PINK Magazine is strictly prohibited without written consent. Any requests for duplication of any content should be sent to Compass Advertising Ltd.. Compass Advertising Ltd. makes every effort to ensure the accuracy of all of the information and ads that we publish. However, mistakes can happen and Compass Advertising Ltd., along with any affiliates, cannot be held responsible for any consequences arising from any errors or omissions other than the cost of the ad. Compass Advertising Ltd. reserves the right to refuse ads if deemed inappropriate.

Celebrate the festive season

24 Hot looks for winter 2013

Office Manager Debra Glettler info@getcompass.ca

by Canadalive.ca

By Cheryl Kirkness

1816 9th Avenue North, Regina, SK. S4R 7T4 Tel: (306) 585 2064 • Toll Free 1 (888) 717 6655 Fax: (306) 585 2080 • Email: pink@getcompass.ca Website: pinkmagazine.ca facebook.com/pinkmagsask twitter.com/pinkmagsask

FOR SASKATCHEWAN WOMEN | VOL. 2 ISSUE 12, DECEMBER 2013 | 5

Note from our Guest Editor

It’s holiday time! Can you believe it? This year has simply zipped by and is nearly over - wow! It’s time to celebrate the end of this year and the beginning of next. This is always an exciting time around our house and I am sure yours too. Getting together with family, seeing the lit up expressions of kids on Christmas morning and ringing in the New Year always make this time of year extra special. And of course there are those little things called resolutions. Is your resolution to be happier, healthier or stress free? Well, there are quite a few good tips in this month’s Pink to help you get started before 2014. Perhaps take the advice of Carla Nicholls featured in the In the Spotlight section. Carla makes it work - fitness, healthy meals, etc., regardless of where she is or what she may be doing. Then, we have our feature story on Holly Barker, talk about fitness motivation and drive; she obviously has it in droves. I personally love the idea of making resolutions with your family including your children as suggested in our Ring in the New Year article – great idea! We here at Pink want you to know that we support all women in reaching their truest potential and it’s for that reason we love featuring stories that highlight diversity and success in its many forms. The important thing to remember is that you choose how healthy and happy you want to be. Taking part in a healthy lifestyle that includes your physical along with emotional wellbeing should be an everyday exercise, not just a yearly resolution. From us here at Pink, happy holidays! We wish you all the best for 2014.

Jenn Smith Nelson

SUBSCRIBE TO PINK MAGAZINE Would you like PINK Magazine in your mailbox?

Subscribe now! www.pinkmagazine.ca

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FOR SASKATCHEWAN WOMEN | VOL. 2 ISSUE 12, DECEMBER 2013

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HOLLY BARKER Mind Heart & Body by Jessica ReimeR

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FOR SASKATCHEWAN WOMEN | VOL. 2 ISSUE 12, DECEMBER 2013

Business franchise owner and acclaimed fitness model Holly Barker is a true encapsulation of the Saskatchewan spirit. Her unwavering dedication, industriousness, authenticity and positive attitude have lifted her to new heights in the worlds of business and sport, making her an ideal role model for anyone aspiring to achieve a healthy, balanced lifestyle. After speaking with this accomplished young woman, one thing is clear: Barker is someone who understands the value and pay-off of hard work. “I have loved academics and activity for as long as I can remember,” said Barker, who was born and raised on a farm just outside of Whitewood, SK, a town of approximately one thousand. From a young age her parents instilled in her a strong work ethic and the importance of an active lifestyle. “I participated in every sport our town had to offer and although I did not excel to the top in any of them, I was always having fun. It was not until I started participating in individual sport and training that I found my true niche in fitness.” Considering her array of athletic, academic and professional endeavours, Barker has done an excellent job of integrating these experiences into a holistic philosophy by which she leads her life. While she enjoyed the opportunity to grow up on a farm and continues to visit her parents when they are not escaping the cold weather for Phoenix, AZ, Barker always knew she would venture to the city to pursue post-secondary education. After graduating from high school, she made what she claims was a relatively seamless transition to city living in Saskatoon and later Regina, which she now calls home. “Farm versus city life in Saskatchewan has many similarities,” she shared. “For me, Regina is essentially a big small town with a great sense of community.” A 2006 graduate of the University of Saskatchewan’s Edwards School of Business, Barker had every intention of pursuing a career in finance. The self-proclaimed ‘math fanatic’ returned to Regina where she worked alongside her uncle, a respected businessman, and later for a family-owned and operated investment firm. While her aptitude for math certainly remains, she quickly realized her chosen career path was not serving her and took a leap of faith that would lead her to approach finance and business from a new, prospective angle. “I learned so much from my time [in the investment world],” she explained. “It helped to prepare me for what was next.” What was next involved a mutual decision with her soon-to-be husband to open their first Anytime Fitness gym - an international fitness franchise - in Regina in 2010. They enjoyed such rapid and encouraging success that within 18 months they opened a second location and proceeded to secure territory rights to expand their brand for the years to come.

A Checklist for Snowbirds About to Head South It’s almost time for “snowbirds” to head south. If you’re about to escape Canada for the winter, be certain your financial life is in order before you go. There are two critical elements to ensuring you’ll be in good financial shape. Make sure your affairs at home can be managed in your absence, and arrange access to cash and financial services while you’re away. Electronic banking and investing –whether it’s through automated teller machines (ATMs), the Internet or telephone – make all of this easier than ever. But you still need to prepare. Here’s a checklist to get started: • Arrange bill payments – Take inventory of bills that must to be paid while you’re gone. Among others, these include credit cards, loans, income and property taxes and membership dues and subscriptions. Make sure you can pay them while outside the country, or arrange for someone to take care of them for you. Internet banking is a great way to keep track of expenses and bill payments. And don’t forget unexpected bills that may show up in your mailbox. • Ensure access to cash – If you’re wintering in the U.S. or another country with easy access to international networks through ATMs, a bank card may be all you need to get cash. But take a backup in case your card gets lost. If you spend time in the U.S., you can open a U.S. dollar account at a Canadian financial institution that will allow you to write cheques. In fact, you may want to consider having a U.S. dollar account which enables you to hold U.S. dollar investments that can provide you with income in U.S. dollars while you’re there. • Ensure access to financial accounts – You might need to make investment or banking transactions while you’re away, or monitor accounts. If you’ll have Internet access, make sure you’re registered for online financial services. Or use automated telephone services. If electronic access isn’t possible, make other arrangements with your financial institutions or have someone manage your affairs. • Put investments in order – Meet with your financial advisor to determine whether your portfolio is in good shape. And make arrangements for investments that will mature while you’re away, such as Guaranteed Investment Certificates (GICs), term deposits and bonds. Also, be sure that your advisor knows how to contact you. • Cover your legal bases – Your powers of attorney should be up to date in case something happens to prevent you from managing your affairs. Have a current will 5535 know where your legal documents are kept. Also, be aware in place andPMS let someone that from a U.S. legal perspective, you need to have resided in Canada for at least 183 days to be considered a Canadian (and not a U.S.) resident. • Buy health insurance – When you’re out of the country, medical insurance is a must. Without proper coverage, your financial life could be thrown into turmoil if you become ill or are the victim of an accident. Even a brief illness in a foreign country can put you deep in debt if you don’t have adequate insurance. The older you get, the more complex and costly insurance can be, so ensure your needs are being met with the policy you select. With your financial affairs in order, you can have a relaxing winter – free of snow and worries. Black Member – Canadian Investor Protection Fund Call today to schedule a personal financial review. Lory M. Neumann - Financial Advisor - 306-543-3486 455 Broad Street North Regina, SK S4R 2X8

www.edwardjones.com White

Barker enjoys working alongside her husband and has found the FOR SASKATCHEWAN WOMEN | VOL. 2 ISSUE 12, DECEMBER 2013 | 9

process of opening and maintaining a business very enriching. However, she made a point of noting that the two make every effort to maintain a healthy work-life balance. “We knew we never wanted to reach the point where we would wake up and talk about work and go to sleep talking about work,” she said. “Especially now that we’ve become more comfortable in our respective roles and have learned the value of delegating responsibilities, we’ve made sure to take time for ourselves as individuals and as a couple.” For Barker, this materialized into pursuing her long-standing passion for fitness modeling. Growing up, she always admired the beautiful, strong women in magazines and held on to an aspiration to one day emulate them. “I never thought I could pursue fitness as a career,” confessed Barker, who explained that modelling and competing tend not to be financially lucrative endeavours. Given the success of her Anytime Fitness facilities, though, she was able to enjoy this hobby as one that complements her active lifestyle and opens the door to meeting new people and trying new things. Her decision was made after she learned that a new posing category known as ‘Bikini’ was to be launched in 2011. She then hired a coach and began a rigorous nutrition plan to get her ready for competition only a few short months later. “I found this category more aesthetically pleasing and fluid than the ‘Figure’ category, where women take on stoic, statuesque poses. I’ve always dreamed of modelling and this was an interesting opportunity to do something that I believed mirrored fitness modeling quite well.” Her confidence and talent have not gone unnoticed. Since entering her first competition in 2011, she placed fifth at the 2012 Arnold Sports Festival in the Amateur Bikini Division and second at this year’s World Beauty Fashion and Fitness Federation (WBFF) in the Pro-Amateur Division in Montreal, QC. Not only that, but she has also been featured on various magazine covers, including this month’s issue of Pink. She is now sponsored by Magnum Nutraceuticals, a Canadian pharmaceutical-grade supplement company. “With the help of my trainers, Magnum’s products and the atmosphere we’ve cultivated at Anytime Fitness, I have been able to achieve my greatest fitness level to date,” she expressed. When asked about the status of health, wellness and fitness across the province, Barker credited much of her success to the people of Saskatchewan’s open and accepting natures. “[Saskatchewan is] very receptive to new and ex10 |

FOR SASKATCHEWAN WOMEN | VOL. 2 ISSUE 12, DECEMBER 2013

“Farm versus city life in Saskatchewan has many similarities, Regina is essentially a big small town with a great sense of community.” citing ways to express individuality in fitness. We understand that there is no set way to be fit or to live healthy and I’m grateful and motivated each day to be inspired and inspire others to live their best life.” This idea of living one’s ‘best life’ is central to Barker’s philosophy about health and wellness. For her, individuals should be mindful of not only their physical health but their cognitive and emotional well-being as well. Since obtaining her Bachelor of Business Administration, Barker has also completed certificate programs in both Sports Nutrition and Wellness Coaching. Her education and training act as a perfect complement to the philosophy and brand she both endorses and embodies. “Happiness is beauty,” said Barker. “It’s as simple as that. My message for others is to never be ashamed of your body but rather to develop an appreciation for the process and journey as you work towards becoming your best, sexiest and strongest self.” Barker explained that oftentimes fitness competitors can become victims of “post-competition blues” once the flurry of activity and strict regimen begins to fall away. Suddenly women are at increased risk of eating disorders and depression, especially those who do not place or medal in a competition. In an effort to combat these negative and potentially damaging effects, she collaborated with a fellow competitor and Anytime Fitness franchise owner to launch a series of Contest Presentation workshops. These workshops are structured into one-day intensive trainings meant to orient aspiring and active fitness models and competitors to the sometimes harsh realities the world of fitness can present.

more’ and ‘weigh less, be more.’ These are distorted ways of thinking and they make a healthy mind, heart and body virtually impossible to achieve.” Barker believes that a paradigm shift in nutrition away from words like “can’t” and “shouldn’t” in favour of eating to feel your best is the most effective way to increase energy, happiness and overall health. She encourages others - no matter their fitness level - to adopt this new mindset in order to maximize their potential and to be better prepared to give their all in every facet of their lives. This is not to say however, tive one. In fact, Barker suggestion that living in climate might lend itself lifestyle. “Saskatchewanians she responded. “Even out walking the and shoveling the drive. Life has to go on and I believe our in-

that our province is an inacwas quick to dismiss the our characteristically cold to a lethargic, sedentary

are pretty thick skinned,” with a wind chill, we are dog

A central tenet of both her Contest Presentation workshops and their overarching guiding philosophy is the prioritization of nutrition as critical to healthy living. “Everything comes from how you fuel your body,” she said, expressing disappointment at the messages promulgated by mass media whereby men and women are encouraged to lean too heavily on medications. “We are still in the mindset of ‘eat less, do

FOR SASKATCHEWAN WOMEN | VOL. 2 ISSUE 12, DECEMBER 2013 | 11

“You create your own future with fitness. I am motivated by the people I am able to reach at each stage of my journey and by those who have helped me to get there.” ability to be outdoors year-round encourages us to get out and be active on days that allow it.” She made it clear her priority is to get people moving and that the gym is a perfect place to accomplish just that. Barker’s suggestion to those interested in branching out into fitness modeling is to be proactive about it. Whether that involves entering a competition, booking a photo shoot or networking at events, she endorses the effectiveness of authenticity. “Be an ambassador of living the lifestyle,” she said. “Promote and invest in yourself because you are both your product and your brand. By staying true to the reason or reasons you lead this lifestyle, you will attract others with similar values.” Barker explained that this idea still motivates her today, as she continually dreams up new goals and challenges for herself.

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“You create your own future with fitness. I am motivated by the people I am able to reach at each stage of my journey and by those who have helped me to get there. At no point have I thought, ‘There, I did it. I can stop now.’ Life is continuously changing and with each new accomplishment you learn, grow and excel towards that next point in your life.” Those interested in learning more about Holly Barker’s unique and holistic brand can find her on Instagram (@hollsbarksfitness), Twitter (@hollsbarks), and Facebook (https://www.facebook.com/hollsbarks). She will be representing Magnum Nutraceuticals in the upcoming Arnold Sports Festival, scheduled to take place February 2014 in Columbus, Ohio. We wish her continued success both on stage and off.

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Events in Saskatchewan December 2013

Allison Raye

Rosie & The Riveters

FRIEND FRIEND with guests NORTHERN LIGHT

Aga-Boom

Thu Dec 10 2013

Thu Dec 12 2013

Thu Dec 14 2013

Village Guitar & Amp Co.

Lancaster Taphouse

The Broadway Theatre

ABBAmania & Bee Gees ‘Night Fever’

The Black Bonspiel of Wullie MacCrimmon

Country and Christmas with The Gatlins

Rory Allen – ‘If Every Day Was Like Christmas’ Tribute to Elvis

Thu Dec 14-15 2013

Thu Dec 15 2013

Thu Dec 18 2013

Thu Dec 19-20 2013

Casino Regina

Persephone Theatre

Casino Regina

Library Voices, Close Talker, Soundtracks for Sad Movies

Noon Year’s Eve

NYE : SPACE

New Years Eve w/ Young Benjamins, Pirate Fridays, Mario Lepage

Thu Dec 20 2013

Thu Dec 31 2013

The Exchange

Sask. Science Centre

The Owl

Amigos Cantina

For more events in Saskatchewan go to:

DINING IN

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North West 924 2121 1023 Devonshire Dr N.

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Downtown 359 1555 2125 11th Ave

Central 791 0201 1307 Broadway Ave

South East 347 2212 346 University Park Dr East 761 0201 1799 Dewdney Ave E

Kindersly 463 6969 Melville 728 6800 Town & Country Mall Moose Jaw 694 0666 710 Main Street Emarald Park 924 4000 20 C Great Plains Rd Head Office 924 8391

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InINthethe Spotlight spotlIght

Lorrie Dobni

by Lee Parent

CARLA NICHOLLS By Lee Parent

When other little girls were playing with dolls or dressing up, Carla Nicholls held make-believe Olympic Games in her backyard and daydreamed about gold medals. From childhood on, she aimed to be an Olympic athlete but eventually admitted to herself that such a goal wasn’t in the cards. Injuries plagued Nicholls; for a time she gave up track altogether. However, her love for the sport took her down a very fulfilling career path and her coaching achievements have brought her ample glory. Nicholls is currently the National Event Group Coach for Jumps and Combined Events with Athletics Canada. She joined Athletics Canada full-time in 2009 after being the University of Regina Cougars’ head track and field coach for eight years. During her early years as a coach, Nicholls also worked as an operating room nurse at the Regina General Hospital where she garnered life experiences that would come in handy once her career path changed. “The stress of being on a trauma health care team, saving lives daily, prepared me well to coach at the Olympic Games and World Championships in Athletics,” she explained. In 2010, Nicholls played a critical role in saving the life of Nigerian long jumper Comfort Chinelo Onyali, who suffered a seizure and collapsed at the Olympic Games in Delhi, India. When professional medical personnel took over the situation, Nicholls coolly stepped back in to her coaching role, watching two of her athletes go on to achieve medals in their events. “I coached two medals and saved a life in one evening,” she said in a later interview. “Another great evening in Delhi.” When Nicholls started coaching at the U of R in 2001, the position was unpaid and the team boasted just seventeen athletes. There was no funding for the program so she and another coach, Mike Zimmerman, took on lots of extras. They used their cars for offices, drove through extreme weather to get athletes to events, and paid lots of expenses themselves. Philosophically, Nicholls accepted all that as part of coaching at the college level. Gradually 16 |

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And many other ideas for the active woman who runs, does yoga, pilates, fitness classes and travels! #3 - 425 Victoria Ave E, Regina Sk • 306-757-LOLE (5653) www.facebook.com/Lole.ReginaSK she expanded the program’s athlete roster to more than eighty-five in just a few years. Along the way, Nicholls collected certifications and awards, including being named Coach of the Year in 2005. She achieved her IAAF Level 5 Elite Coachcertification in Horizontal Jumps and NCCP Level 4 Certification in Athletics. She was a two-time Olympic team coach (2008 & 2012). Nicholls graduated from the Coaching Association of Canada’s Women in Coaching Apprenticeship Program and is an active ChPC with Coaches of Canada. She was a writer of the New NCCP manual for athletics, a contributor to Athletics Canada’s Long-term Athlete Development program and is a Master Learning Facilitator for all levels of the NCCP. And as if that wasn’t keeping her busy enough, along the wayshe had two amazing children, Arden who is 11 and Dawson, 8, an achievement that she values above all else. Always seeking to expand her horizons, Nicholls began to accept occasional assignments with Athletics Canada; this led to the offer of a full time coaching position following the 2008 Olympics. Nicholls fills three roles with Athletics Canada; she coaches the athletes who are involved in combined events, jumps

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and hurdles, in addition to being the national talent development coach (part of the Olympic program) and the leader of Women In Coaching. Her job obviously involves a tremendous amount of travel which gives people the misconception that she leads a glamorous, jet-setting lifestyle. The reality is very different. “I always get comments about being so lucky to travel the world,” Nicholls said. “Trust me, I am very lucky and I count my blessings every single day. It is an honor to be welcomed into other countries representing Canada but many people don’t understand that I may only see the hotel and the road leading to the track during our stay! I do make it a priority to try and sneak out to see at least one sight but it’s not easy to do.” Nicholls finds it challenging to maintain a healthy lifestyle under such circumstances but she believes very strongly in the importance of proper diet, rest and exercise to reduce stress. “Everyone should take a few minutes to figure out how they can relax and relieve stress,” she suggested. “Make it a priority!” When on the road with teams, Nicholls commits to starting her day early in the morning with a workout, usually a run and some weight lifting, followed by a healthy breakfast. She buys fresh food to eat in her hotel room, avoiding the restaurant scene as much as possible. FOR SASKATCHEWAN WOMEN | VOL. 2 ISSUE 12, DECEMBER 2013 | 17

“My little blender travels with me so I can whip up fresh smoothies on the run,” she told me. “Good food and exercise every day keeps my stress under control.” Things are simpler when Nicholls is at home but her days can still be hectic since she works from home and has to organize all the typical pastimes and events of her pre-teen children. “When I am at home things change a wee bit as I am with my adorable children!” she explained. “My days are quite crazy with working from home, getting the kids to school and then to all their activities. Exercise is still a priority but doesn’t happen quite the same way as when I am on the road.” I found her solutions for fitting in exercise and stress relief quite inspiring. “I leave a nine pound medicine ball in my kitchen do some exercises while cooking dinner,” she

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mentioned, then added more tips. “I transfer things such as clothes from the main floor of my house to the top floor one at a time so I get a good stair workout! Finally, when the day is over and the children and the dog are snoring; I climb into my tub with a glass of red wine and read my Oprah Magazine!” Obviously, she’d recommend her career to other women since she finds it so fulfilling. “Go for it!” she suggested emphatically, “but go in with your eyes wide open. Coaching is demanding and requires a lot of time; time which is usually set aside for family time like evenings and weekends.” Job sharing is good option, she suggested, if possible. “Lead with your heart and your passion; if you can do this, success will show up!” Photo credit: Arthur Images • http://arthurimages.com/

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HOLIDAY MAKEUP By Sara Lindsay

Here we are! It’s holiday party season again. Our calendars are somehow already full with parties, events and family celebrations. I thought I’d share a few easy ideas for ways to sparkle up your makeup look. My advice would be to not overdo it. It’s ok to change up your makeup and get creative for the holidays but even though it’s party season, less is still more. Add a little something special here or there ... just not everywhere.

SKIN

EYES

A smoky eye is always a great “go to” look for a party. But instead of the usual greys and blacks, change it up to a bronze or jewel toned deep emerald green with a nude lip. It still gives a sultry evening look but adds a modern twist.

Keep your skin fresh and natural. Luminous skin always looks best whether you’re at work or a black tie event. Wear a foundation that doesn’t look heavy or overdone, try mixing a liquid highlighter into it before applying, in order to get a special sheen to the skin. - Pictured on right: Organic refillable foundation by Kjaer Weis

Another pretty holiday look for the eyes is a sparkly nude eye with full lashes and a very fine line of liquid eye liner. Keep it twinkly and bright and pair it with a strong perfect lip. - Pictured on bottom right: Ellis Faas Lights, bottom left: Green Inglot Jewel Toned Refillable Eyeshadows.

LIP

To complement smoky eyes, wear a pale beige lip colour and keep it glossy with a nude or colourless liner to maintain your lip shape. Make sure the liner is blended and disappears into the lipstick. If you are wearing a light eye or the sparkly bright look I suggested, it’s your chance to really amp up the lips. Wear a complementary lip liner. Lip liner is a must with red or dark lips. It stops bleeding and maintains a perfect shape to the lip.

Blood Roses by Kevyn Aucoin

I love the look of a velvet finish to the lips when wearing bold colours. You can achieve this by using a deep red, burgundy or plum. Apply a coat of matte lipstick, blot and repeat. Do this three or four times. Then to achieve an extra velvety finish, place a tissue over your lips and pat loose powder over the tissue and this will further mattify the lips.

ACCESSORIES This is a perfect time of year to complete your party look with your holiday green Hillberg & Berk sparkle ball earrings. (Available in my store only during the holiday season) Barn Swallow has her winter collection of jewellery now available in store as well. - Hillberg & Berk sparkle ball earrings and Barn Swallow Necklace pictured on left.

For more in depth information, I offer private makeup lessons at my studio. Sara Lindsay Makeup Studio is located at 3420 Hill Avenue in Regina. Hair Director Melissa Mark offers full Aveda hair services in studio to complement all makeup services. www.saralindsay.ca • info@saralindsay.ca • (306) 347-7829

About the artist... Originally from Canada, and having spent many years of her career in the United Kingdom, Sara Lindsay is a professional makeup artist, with training from some of London’s top fashion academies. Having had the opportunity to work with some of Britain’s top artists, Sara brings an edge to her hometown of Regina. Sara’s professional experience includes runway work, editorial spreads, compelling commercial campaigns, weddings and special event clients. London Fashion Week and The London Clothes Show are just some of the highlights of her career. Sara was named Canadian Makeup Artist of the Year at The Mirror Awards 2011 and most recently was named a finalist for 2012. Sara’s successful freelance career, which complimented her time as a regional associate with MAC COSMETICS UK, gave her valuable experience in working closely with clientele to consult and direct their transformation to the extraordinary. In a consultative style, Sara works to achieve a look that is uniquely your own. 22 |

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THe Holiday season is Here! by Riley lAW son style@rileylawson.com |w w w . r i l e y l a w s o n . c o m The holiday season is here! each year we go searching for the perfect items to give to people in our life. Here are a few gift ideas to consider that are easy, affordable and fairly foolproof.

la Mer Wrap Watches

The Fleece lined legging

sets by oh baby

These watches are so great for the stylish gal. They come in a variety of bands from solid leather to patterned and have gold or silver accents, as well as chains and other decorative items added right on the band. They range in price from $100-$130 and can be found at Queen V Fashion House in Regina.

yes, i said fleece lined. Get excited, ladies! They are so super cozy, come in a variety of colors, are one size fits all, and only $29. now the only tough part is deciding what color(s) to snag for you, as well as for those you want to give as gifts! Grab yours before they’re gone – available at stella & sway boutique in Regina.

How cute are these?! i can’t get over it. if you have a babe in your life that you love to spoil these sets are the perfect Christmas gift! They come with a long sleeved shirt and pants - fashionable and cozy for boys and girls, ranging from $45-$65 and are available at simply spoiled in Regina.

Threshold organic blanket i know this isn’t necessarily a fashion item but i have three of them in my home and love them so much. They make great gifts and are super easy to personalize to the interior style of a house (if you don’t know their décor, go for a solid one in a soft tone to be safe). They’re inexpensive, make great throws for any couch or bed and are super soft. They range from $29-$49 and are available at Target.

FOR SASKATCHEWAN WOMEN | VOL. 2 ISSUE 12, DECEMBER 2013 | 23

Hot Looks For Winter 2013 By Joy Amistad from Visions Salon and Spa, Saskatoon

It’s that time of year again when the glossy magazines are twoinches thick; spilling with new shapes and colors for winter. The store shelves are stocked with sweaters and virtual boot fests; makeup shades suddenly seem richer, deeper and more sophisticated. Like the fashion world, hair changes with the season. We will always have long hair, short hair, layers, texture, sleekness and color but within those offerings are some amazing new trends that can currently be spotted on the runways and red carpets. You don’t have to do anything drastic; a few strategic changes will give you that modern edge and keep you on trend. Here is a rundown of the hottest looks for this season.

California Beige An alternative to the intense ivory look, blended beige tones are warm and give a golden glow that combines foil highlights with hand-painted balayage. Balayage Colouring Balayage is a French colouring technique that was developed in the 1970s. It’s a freehand technique where colour is applied by hand rather than using the traditional foiling or cap highlighting techniques. Balayage can be used in even the shortest pixie crop however the best results is in hair below the shoulders. Ask your stylist for this ultra-low maintenance colouring method.

Progressive Color Hand-painted, honey-and-caramel highlights are more daring this season. This look is shaking up brunette hair with its random placement. It starts with fine highlights at the root, gradually getting thicker and bolder as they make their way down the hair shaft. Pure Ivory Blonde may be associated with summer but take the color up a notch to the creamiest ivory (think Gwen Stefani) and you have a whole new intensity for winter this year. Hollywood hair Long, luxuriously-curled ‘dos have been hot since the ‘40s but never more than now. Movement and bounce is what sets this updated look apart from earlier renditions. Use a round brush, blow dryer and heated rollers to achieve this look. Sleek and Chic This ultra-glam style, poker-straight hair tucked behind the ears or pulled back into a slick pony is always fashionable. Its mirror-like shine adds fluidity and timeless glamour. Copper Mine As they are known to do, deep redheads are going to be making a splash this winter. Make sure to add fiery highlights to intensify dimension to this beautiful tone. Gingers are one of a kind!

Joy Amistad is a passionate hairstylist who originated in Vancouver and has continued to develop her talent by further training not only in Vancouver, but as well as Las Vegas, New York, Orlando, Miami and is now residing in Saskatoon. Her extended training has furthered her knowledge in precision cuts, hair colours and up styling. Hair is a fashion industry that is continually changing and growing; she truly values the importance of continually upgrading and enhancing her skills. She doesn’t believe hair dressing is just a job, it’s her passion. Joy is a stylist at Visions Salon and Spa in Saskatoon.

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FOR SASKATCHEWAN WOMEN | VOL. 2 ISSUE 12, DECEMBER 2013

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FORWARD moving Fashion Trino’s has both casual and formal wear.

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wesome uto Electronics Warm up your winter with an AUTOSTART Two way remote starter!

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The Kohler Moxie Showerhead is a great gift for any music lover! Check it out and more of our Holiday Season Specials at our showroom! 678 Cornwall Street, Regina SK 306-352-3626 • www.emcoltd.com

Happy Holidays! FOR SASKATCHEWAN WOMEN | VOL. 2 ISSUE 12, DECEMBER 2013 | 25

Laser treatments helping women feel and look their best A successful recipe for an entrepreneur requires a very special ingredient: belief. Having belief that your business betters the life, self-esteem and confidence levels of women is the main reason Erin Nelson opened Bare Envy Laser Treatment Centre. Why does she believe that? Because like many others, Erin has fought her own share of battles in dealing with self-confidence issues, specifically unwanted hair. She shared that she would go to the extent of wearing shorts at the pool overtop her bathing suit as she was so self-conscious. She also knows she is not the only woman to feel this way. It may seem silly to some who have never struggled with this ‘hairy’ issue but for those who have, laser treatment has become an option that is both liberating and confidence boosting. Many women have other additional self-imposed barriers holding them back. For that reason, Bare Envy offers a suite of treatments that go beyond hair removal and are designed to help women look and feel their best. Treatments include: acne treatments, spider veins, cellulite reduction, skin tightening, pigmented lesions, treating muscle and joint pain and more. Treatment lengths vary but all require multiple visits for optimal outcomes. It’s quite a competitive marketplace in Regina for laser hair removal as of late and Erin is quick to differentiate Bare Envy. “We pride ourselves on our approach, we are gentle and understanding. We want every customer to want to come back,” says Nelson. “Satisfied is not what we are aiming for, we want to exceed expectations for each and every customer.” Helping her create this type of experience is her technology. “Not every laser is made equal,” says Nelson. “There are many

‘deals’ out there and a lot of our customers come to us after trying them. Unfortunately, they cannot take full advantage of such deals as the treatments are simply too painful to endure.” Pain. That is what scares many people from laser hair removal treatments. But it doesn’t have to be that way according to Nelson. Having trained technicians and top-notch technology make it so that clients receiving hair removal treatments experience little to no pain. “That’s it? It didn’t even hurt,” are commonly uttered words from clients after their first treatment. According to Nelson, that is how it should be. If you are suffering with self-confidence issues or simply want to try one of the services Bare Envy offers, book in for a free consultation. And if you know someone else (man or woman) who you think would benefit or what to try these types of services, consider purchasing them a package for Christmas! A full listing of services can be found at www.bareenvylaser.ca and to book a free consultation, call 306.570.7546. They are on Facebook too where monthly deals are featured: www.facebook.com/bareenvylaser. Bare Envy is located in Regina.

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FOR SASKATCHEWAN WOMEN | VOL. 2 ISSUE 12, DECEMBER 2013

Bare Envy Laser Treatment Centre Reginaâ&#x20AC;&#x2122;s newest laser treatment centre specializing in: Laser hair removal (all skin types!) Skin tightening Skin rejuvenation Acne treatments Cellulite reduction ... and more

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Pink Magazine is always looking to feature great Saskatchewan women that are making a difference. Do you know someone with a story worth sharing? Please email us today.

great saskatchewan women stories

info@getcompass.ca FOR SASKATCHEWAN WOMEN | VOL. 2 ISSUE 12, DECEMBER 2013 | 27

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FOR SASKATCHEWAN WOMEN | VOL. 2 ISSUE 12, DECEMBER 2013

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REAL ESTATE 101 The Deposit – Do I Lose It? Where Does My Money Go? the conditions or indicate they are all satisfied. Your real estate agent will assist you with this process and once conditions are removed, the deal is a firm deal. If, at this point, you change your mind or cannot complete the purchase, you would lose your deposit money. Your agent should assist you so this does not happen. If you are dealing on your own, these are things you should be aware of. In the event you find something you don’t like while conducting your inspections, such as a 70 amp electrical panel, for example, or you cannot get the financing as you thought because you bought a car since being preapproved. At this point, you would not remove conditions and your deposit money would be refunded back to you. Your agent would assist you.

The transaction in Real Estate is one in which it is customary to give a deposit. How much of a deposit do I need? The answer: there is no set amount for a deposit. The deposit goes towards the purchase price of the property. Some people are afraid they will lose their money or deposit. So, what actually happens to the deposit? When dealing with a Real Estate Agent, the deposit gets held in a

When I started buying real estate as an investor, I learned the hard way…so let me pass on to you...my school of hard knocks! I thought I was pretty smart and so I went home and typed up an offer to purchase on my computer with a deposit and some conditions. I handed the $1500 dollar check to the Seller (private deal). During the due diligence I didn’t want to proceed. I went to the Seller and asked for my money back. I was told they were not giving it back. Now what? That was a lot of money for me. I hired a lawyer to send a letter and was still out my $1500, plus legal expenses.

“…so let me pass on to you...my school of hard knocks!” “trust” account with the Brokerage. This deposit is protected as long as you are doing your due diligence, such as getting a home inspection, an appraisal, your financing in place, or whatever else you feel you need to do in order to make an educated decision on your purchase. These items you are getting completed are called the “conditions” of the transaction. Once the conditions are completed and you are ready to continue with your purchase, you would remove

I didn’t know that I should have given the money to a lawyer or use a real estate agent, even when the house was listed privately. Did you know you can use an agent when a house is listed privately? I didn’t know that either back in the 90’s! So, don’t give any money directly to the Seller is the lesson for today. And always use professional building inspectors, appraisers, etc. Take care and remember.. live your dream!

By CharMaine Luscombe, B.A, B.Ed Broker, Commercial, Farm, Residential Agent

Homelife Prairie Realty Tel. (306) 535 3948 CharmaineRegina@gmail.com www.CharmaineRealty.com FOR SASKATCHEWAN WOMEN | VOL. 2 ISSUE 12, DECEMBER 2013 | 29

HOUSE PLANS © Gary Weisbrodt

gjConstructs HOUSE

DESIGN

DESIGNMATTERS DETAILSMATTER PICK & CHOOSE YOUR ENVIRONMENTAL OPTIONS

Why Good design Adds Value

No Job Too Small

It may be just a tiny shed but what a shed it is as it stands proudly making a statement in your very own back yard, a statement that you are proud of. All walks of people are finding it surprising what value a seasoned and skilled designer can bring, specially if the designer is called on for advice early in the project. My friends, I urge a designer for any site and can tell you that a designers eye is going to be useful, even on the smallest project. I’ll often get called by someone who is thinking of buying a new or slightly used house, just with a quick look at a house and a chat I can give them an idea of whether it’s good or not. I’ve often talked people out of doing something that’s too tough. Call when you’re thinking of using a designer or just want to know more about what we offer.

What Dreams Are Made Of If you are like most people, you want a comfortable place to live, one that fits your tastes as well as your pocketbook. All of gjConstructs custom home designs prove that style and good planning make your home economical to build, affordable to live in and a joy now and in the years to come. A Wonderful World of Beauty In your gjConstructs home, you live in a world of beauty… beauty that is achieved by grace and line, skillful combining of materials and harmonious blending of colours. “Simple Elegance” is the expression used by your friends in describing first impressions of a gjConstructs design. A Wonderful World o f Luxury Luxury and good taste are brought within your financial reach through gjConstructs design, construction techniques and buying power. Elegant master bedroom—dressing room—bathroom suites; extra room for hobbies, guests, homework; abundant storage … and many many more features…in the Wonderful World of gjConstructs. A Wonderful World Of Convenience Live your New Way of Life surrounded by every convenience imaginable! The carefully developed gjConstructs floor plans create more usable living space, inside and out, than is offered in any other home! Step-saving, work-saving space-arra ngement construction and material innovations and the latest built-in appliances add time to your day and years to your life. 30 |

FOR SASKATCHEWAN WOMEN | VOL. 2 ISSUE 12, DECEMBER 2013

Using a seasoned and skilled designer might seem like a luxury to some, but if you’re renovating or building from scratch a seasoned and skilled designer is going to add value to your property and save you money – and potentially a lot of heartache – along the way. What Do Seasoned and Skilled Designers Do? While everyone knows about seasoned and skilled designers’ design skills, they actually bring a whole lot more to the table. Like expertise in coordination and project management, knowledge of building precedents and independent and expert advice that brings a different perspective to each and every project. The seasoned and skilled designer acts as an impartial advisor, so it’s a benefit for you the client. Seasoned and skilled designers add value at four stages in the building process.

• Firstly with the schematic design: the what and how to build. • Secondly with design development, or what building materials to use and why. • Thirdly with contract documentation, plans and instructions to make sure the building meets yours and the local building authority’s requirements. • Fourthly with contract administration, and recommending builders and tradesmen who do quality work. Why Use A Seasoned and Skilled Designer? Seasoned and skilled designers present options you might not have considered, give your building style and design it to work efficiently and solve problems of space and function. Using a seasoned and skilled designer also means you get something that is tailored to your specific needs, so that you can plan for the long term. Initially a client might not have all the money they need but an seasoned and skilled designer can help them create a master plan that can grow over time. A seasoned and skilled designer also gets you something of higher worth, so you get a value-add in terms of quality. And of course seasoned and skilled designers are creative, and good at problem solving, which is particularly handy with a renovation. Renovations require a never give up attitude to get the best out of an existing building so you get a benefit there, and you also get design judgement, which you are grateful in the outcome and the

e have taken up the role of modernizing the California Modern, Cape Code, Craftsman, Saltbox, American Foursquare and Modern architectural styles, and promoting an appealing affordable living option for middle-class families. Rather than reproducing traditional homes, gjConstructs refigures the design to include modern amenities to address your demands for increased privacy and up to date technology. Simplicity, functionality and livability remain prevalent features of Gary’s updated designs.

way your project feels. An seasoned and skilled designer also helps you in all sorts of other ways. In compliance for instance all new houses and alterations have to pass building inspection based on the National Building Code. It about improving the standards of all housing stock. A seasoned and skilled designer is invaluable in helping you through this maze of stainability, insulation and energy performance, and also has knowledge of the design elements of orientation, which adds so much to a building’s functionality and livability. The Bottom Line The words “seasoned and skilled designer designed” are often used to imply luxury and high-end design. But in reality, a seasoned and skilled designer can help you no matter what your budget, by helping you achieve the best design for the available money, and avoiding costly mistakes. The cost of an seasoned and skilled designer will vary depending on who you choose and the level of service you need. The typical full service process which covers everything from initial design, through to post occupancy could be 10-15% of the full construction cost depending on the size of your project. Most seasoned and skilled designers are open to negotiating a partial service, where they offer guidance at certain stages of the project.

So is It Wort It? I believe that clients my clients always recoup the amount they spend and in fact get a bigger bang for the money. There is a tendency to just assess a project’s value by the quantity we get for the money. This mentality leads to the McMansion phenomenon of large houses on small blocks. Working with a seasoned and skilled designer you’re looking for quality and while the end result might be the same cost, the investment is usually returned in quality, livability and other things like environmental factors. Using a seasoned and skilled designer maximises your budget and opens up new possibilities. Building is expensive so you want to get the best value you can for the investment. Can Ordinary People Benefit? While the benefits of seasoned and skilled designer designed homes are available on most budgets, not all homes are designed by seasoned and skilled designers. But they can be. “Clearly most houses are not designed by seasoned and skilled designers, Project or Tract homes as they are often called for instance. © Gary Weisbrodt

Added Reading • BLOG Design Matters Details Matter: gjconstructs.wordpress.com • Facebook: Search “gjConstructs” • Home: gjconstructs.weebly.com • LinkedIn: linkedin.com/in/gjconstructs • Houzz: houzz.com/pro/garyweisbrodt Contact 306 351-0907 gjconstructs@mac.com

BOOK CLUB

Marie Donais CalDer: THe oTHer siDe

by Gail Jansen-Kesslar

“My father came home from Germany with a hole in his heart and when he died he left a gaping hole in my heart as well, so I feel like I’m with him when I write about him,” says Calder. “And I feel like maybe I’m doing the job that my dad couldn’t do. I think he would have said that at the top of his list of unfinished business, other than his family, would be that he would have wanted to be able to represent the German side of the story.”

Author Marie Donais Calder didn’t get to know her father very well before his untimely passing when she was only 11 years old. But through her book series The Other Side she’s been able to tell her father’s stories in his own voice and in doing so, feel just that little bit closer to him. A fictional tale based on real life events, The Other Side is a series of novels that look at life both in Germany and back home in Canada following World War II, and tells how the actions of one man helped to make a difference in the life of a young German boy and his family. “The fact of the matter is millions of Germans died of starvation at that time in history,” says Calder. “And despite doing all he could do to help, my father still came home feeling inadequate; a kind of post-traumatic stress disorder that had nothing to do with bombs dropping or shells exploding. It was a different kind of trauma that he suffered through the helplessness of seeing what was going on around him.” Part of the allied occupation that Canadian soldiers took part in, before his passing Calder’s father had often shown his children pictures of the time he spent in Germany. But, they didn’t realize the extent of how much of himself he had left there until Calder’s mother announced many years after his passing that she wanted to meet the family her husband had helped, the family whom he had never forgotten. Watching a videotaped account of that meeting and learning more about what her father had done for this family, despite the fact that she had never before viewed herself as a novelist, Calder knew instinctively that this was a story that needed to be shared. 32 |

FOR SASKATCHEWAN WOMEN | VOL. 2 ISSUE 12, DECEMBER 2013

“We’ve heard a great deal through the years of what it was like during the war; the battles, the holocaust and all of those things,” continues Calder. “But who has ever told the story from the eyes of a little German boy? What did the common people; those who weren’t Nazi supporters go through? That’s something that’s not been given a voice.” The tale is told through three distinctive voices, that of 10 year old Johann, the little German boy whose family Calder’s father saved from starvation; that of her father himself; and that of her mother, who speaks of the hardships and unknowns of life back home. To date there are thirteen books in the The Other Side series, each with a distinctive theme representing a snapshot of life as it was back then. And while the publishing industry slotted the series into the Young Adult genre, Calder says her novels know no age restrictions with readers ranging in age from 9 to 99. Reader feedback often tells of the books being read simultaneously by both grandparents and their grandchildren as a way of bridging the generation gap. “It puts them both on the same level and gives them something in common to discuss,” says Calder. “While each book stands alone as an interesting and engaging read, what I’m also trying to do is to give my readers tidbits of history and a look into a life in the 1940’s timeframe when things weren’t so easy for people, and then if they’re interested in learning more they can follow it up with some research of their own on the internet.” In doing her own research the glaring truth that came to light for Calder was that the actions of her father were actions that went against direct orders not to interfere in the lives of the German people they were sent to monitor. Having spoken to another soldier stationed in the same city, within the same regiment who was given the same order, Calder learned just how extraordinary it was for her father to have interceded.

“When he saw Johann, a little boy, much like the little boys he had left behind at home, he knew he couldn’t just stand by and watch this little guy die. Even though he was ordered to, he just couldn’t do it.” Today, fans are anxiously waiting for Book 13 to be published, having been left with a cliff-hanger wilfully designed by Calder. But Calder says she tells her fans not to worry, because she still has many more books to go. “Of course I left them hanging,” laughs Calder, “and while I can’t tell you how many books in total will be in the series, I can tell you I’m currently writing Book 16 and that I’m nowhere near the end yet, because I know what the end is.” Working at times 50 hours or more a week and setting daily goals for herself that often exceed 18,000 words, while Calder might never have considered herself a novelist prior to first putting pen to paper, she now knows it was what she was meant to do. “I’m honouring the generations that went before us, who gave of themselves to make a better life for us. They were not afraid to put themselves on the line, to put us before them for future generations. They weren’t afraid to do that. So, I want to honour them through my writing because that’s what I’m good at, that’s what I love to do, that’s what fills my soul.”

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How to Avoid

Winter Weight Gain (NC)—Many of us expect to put on a little “winter padding” when the cold weather blows in each year. Luke Corey, a registered dietitian and host of the popular workshop Achieving a Healthy Body, agrees: “It’s a time of year when people tend to pack on extra weight by eating calorie-dense comfort foods and adopting more sedentary lifestyles – both of which can lead to tipping the scales a little heavier. But, it doesn’t have to be that way.” Here are five ways that Corey says will help you avoid an expanding waistline this season: Write it down to drop a pound: Make the commitment official and re-read them regularly. Keep them somewhere in plain view like on your bathroom mirror, on your fridge or as a phone or computer screensaver. Don’t restrict yourself: Allowing yourself to indulge occasionally can actually help you stay on track. If you like soda pop, for example, Corey suggests choosing diet versions of your favourite beverage or opting for Coke mini-cans, which offer smaller portion sizes. Love pizza? Consider keeping calories in check by making your own with a whole wheat pita, reducing the cheese and piling on your favourite vegetable toppings, like spinach, onions and tomato. Get moving: It’s tempting to strive for quick results, but working out too intensely, particularly if you’ve gone from couch potato to fitness fanatic, could put you at risk for injury. If you’re a beginner, start with less intense exercises such as brisk walks and go from there. For more experienced athletes, try adding new activities to rev up results. Think ahead: Instead of grabbing higher calorie, handy snacks, prepare healthy meals in advance to satiate your appetite. Bake another chicken breast, cut it up, and use it for a flavourful chicken salad sandwich the next day. Start now: Within one month of healthy eating and regular exercise, you can start to see an improvement in energy levels, a moderate amount of weight loss and some increases in muscle tone. Corey says, “Seeing results will increase your confidence, so it’s definitely worth getting started now versus rushing to lose weight in the spring.” More health and wellness tips are available online at www.completehealthandnutrition.ca. 34 |

FOR SASKATCHEWAN WOMEN | VOL. 2 ISSUE 12, DECEMBER 2013

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FOR SASKATCHEWAN WOMEN | VOL. 2 ISSUE 12, DECEMBER 2013

Year End Tax Planning Strategies By â&#x20AC;&#x201C; Gisele Gherasim, CFP, FDS As 2013 draws to a close, it is time to consider what, if anything you can do to reduce your income taxes for the year. There are a few things that can be done but there are deadlines to be aware of.

Transfer If you have property which has decreased in value consider transferring the ownership to a minor child before yearend. You will trigger a capital loss which you can use to offset capital gains this year or in the previous three years. The tax liability for future growth now resides with the child since attribution rules do not apply to capital gains triggered by minor children.

Trigger Accrued Losses If you own securities or mutual funds which are worth less than you paid for them it may be a good idea to sell them, triggering a capital loss. A capital loss can be used to offset any capital gains you made in the year and any excess losses can be carried back against gains for three prior calendar years. You may be able to recover tax paid on capital gains in previous years.

Donate If you are planning to donate to a registered charity consider donating your appreciated public securities or mutual funds instead of cash. You will get a donation receipt for the entire value of the donation and any resulting capital gains will be exempt from tax.

Crystalize In Trust For (ITF) Accounts If you have invested money in an ITF account and the beneficiary has little or no income, it may be wise to trigger any capital gains. Using the basic personal amount of $11,038, you could trigger up to $22,076 of capital gains without paying any tax. Defer If you have a gain in any property and you delay the sale until after December 31, 2013, you push the date of the tax being payable out to April 30th, 2015.

RRSP You have until 60 days after year end to make your 2013 RRSP contribution and get a tax receipt. It does make sense to do this as early as possible to shelter the income you earn on your RRSP investments from tax. TFSA The contribution limit for Tax Free Savings Accounts is $5,500 for 2013. You can carry forward unused contributions but it makes sense to shelter any taxable investment income as soon as you can. There may be deadlines prior to December 31, 2013 for some of these strategies to be effective for 2013. Always discuss your personal situation with your tax advisor prior to taking any action on any of the strategies mentioned.

Gisele Gherasim, CFP, FDS 2300 Smith Street, Regina, SK S4P 2P6 Phone: 306.337.4500 | Toll-Free: 1-866-317-4500 Fax: 306.337.4505 Email: info@brothersandco.ca www.brothersandco.ca

Mutual Funds provided through FundEX Investments Inc.

TWO FOr THe rOAD Unforgettable MeMories By Dale Strawford

Some things in life are counter intuitive. I travel often and while I will travel alone I prefer to go with family and friends. Travel is a wonderful sensory overload where I can throw myself into the mix and enjoy things I never knew existed. For me, doing this with the people I love is absolutely the icing on the cake; well actually it is the entire cake. Seeing and experiencing the beauty of foreign lands and cultures is never as good alone – it is something to be shared and savored with those you love. When I travel, everyone goes or no one goes. That has always been my rule since building my group of little people because family time is so precious. It’s a great way for us all to connect and build memories that will last a lifetime. I always thought this was the only way to be, it is all I have ever known. Some seasoned travelers in my extended family have given me pause to think about another option – one on one travel. This is where the counter intuitive comes into play. Why on earth would anyone want to take separate vacations from their family? My brother and sister in-law have been doing something interesting for years and I only recently took notice of how fantastic an idea it is. They have two daughters, both now in their twenties, with whom they take alternating vacations. Dad will go with one daughter one year, then the other 38 |

FOR SASKATCHEWAN WOMEN | VOL. 2 ISSUE 12, DECEMBER 2013

the following year, on week-long trips. The same goes for mom. They’ve been doing it for years and travelling to places like Ireland, Italy and Mexico. So what makes this different than travelling as a family? In life many things come down to simple addition. In this case its addition by subtraction. By breaking down the travel group, a one-on-one dynamic is created to form a tighter experience than had you travelled with the entire family. Let’s face it, if you had two girls travelling with their parents they would naturally split off from them eventually reducing the time together. By travelling as a pair, you can create a different dynamic where you get to learn more about each other and create unique experiences together – as a group of two. I have three boys and travelling together as a family is nothing I would change for the world. However I have taken my oldest son canoeing into the forests of northern Saskatchewan for a four-day trip and noticed there was something special about it. I never thought much about it at the time but clearly it was the time spent focused on each other that made it so great – we were there one hundred percent for each other. We could have been anywhere. It was the reality that nothing mattered but each other – we got to enjoy each other’s company, for better or for worse.

Out at family supper the other night I asked my niece about it and how she thought it worked for them. They all had been reluctant to share any stories with me because they didn’t think they had anything really interesting to tell. The truth was the table ended up belly laughing about story after story after story. The stories and tales they didn’t feel significant enough to share were ‘the good stuff’. They were the things that make travel great. The real story wasn’t about where they were or went – it’s the background to the real story. It’s about what happened to them, like the time when they got lost and their dad stood in the middle of the street with a map in his hand trying to get his bearings. Or when dad declined to pay the $10 fee for the right to take photos in a monument area then pulled out an iPad to ‘discretely’ start taking photos. These were ‘their’ stories. And then it struck me why my trip with my son was so great. We saw so many great things together. We fished in our canoe under bright blue skies on glass-like waters. We ate fresh fish and beans. We laid on our backs for hours beside a roaring island campfire under the clearest of skies, enjoying endless shooting stars along with a kaleidoscope of northern lights. It didn’t matter that we had paddled for six hours to reach our destination, fished all day until darkness and were pretty tired. We were buoyed by each other’s company and bonded to the extreme. It was a significant moment in our lives we shared, just the two of us and we’ll never forget it.

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FOR SASKATCHEWAN WOMEN | VOL. 2 ISSUE 12, DECEMBER 2013 | 39

Tips on Hosting A Holiday Soiree (NC) With the holidays around the corner, entertaining season is in full swing with soirees to host, roast dinners to serve and plenty of get-togethers that scale from small and casual to large and formal. Here are some simple tips to make all your celebrations easy entertaining: Set the Date – Choose one date that accommodates your schedule and stick with it! From 5 guests to 50, there will always be a scheduling conflict for someone, so don’t let that complicate your party. There are plenty of other holiday parties, send them a holiday card and let them know you’ll see them soon. Set the Menu – Whether it’s a few canapés and a signature cocktail or a seven course meal with wine pairings, plan out the meal everyone well in advance of the big date. This will help accomodate all dietary concerns such as allergies and intolerances of your guests, and helps build out your grocery list. Set the Music - THe best way to spend more time refreshing drinks and socializing with your guests rather than worrying about the playlist is satellite radio. SiriusXM offers over 120 channels of commercial-free music to keep your friends on the

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FOR SASKATCHEWAN WOMEN | VOL. 2 ISSUE 12, DECEMBER 2013

dance floor all night. You can even change the station from your phone. When the clock strikes ten turn on the Top 40 to keep the energy up! Set the Theme – Don’t limit you creativity! Themed parties make lasting impressions – maybe it’s the Hollywood Party with the award-winning cocktail or the Beach Party in December with the homemade sand that your guests will speak about for months to come. From home décor, fashion accents to themed charade topics and board games – stir up some fun and set the mood with a theme that’s eclectic or traditional. Set the Conversation – Not everyone’s a social butterfly, so enlist your chatty party guests or use conversation cards to get others mingling. Another bonus tip is to put out less seating – people are more likely to chat while standing than sitting down.

TIPS FOR HOLIDAY TRAVEL By Cathe Offet

Read your documents If it says to be at the airport 90 minutes before your flight departs, pay attention and follow suit. If you show up later than is stated on your e-documents you can be denied boarding, and when flights are at capacity you could have trouble even getting to your destination. Leave early If you haven’t travelled lately, be aware that there are often long lineups at Regina and Saskatoon airports at both check-in and security. Arrive early and sit back and enjoy a leisurely coffee before your flight.

If you are lucky enough to be travelling during the holiday season here are some tips that will help get you where you are going a little more relaxed and ready to enjoy the change of scenery, wherever that may be: Book now Having no availability is far more likely than finding a last minute deal. Flights typically operate at full capacity during the holiday season and even if there are some last minute deals, don’t count on flight availability to your desired destination. Count on delays It’s winter, the busiest travel season of the year. Ensure you have booked your travel arrangements to allow for plenty of time for connections. Pre-book your seats Yes there are usually extra charges for this but if you are travelling with other family members or a group, booking advanced seating is a good investment. Online check in This speeds everything up for your airport arrival and most airlines allow this option 24 hours prior to your flight. If you didn’t take my advice on #3, do it as soon as you can to try and get seats together.

Packing I am not going to suggest what to pack, there are plenty of sites that do that. The standard pack once, then take out half and close the suitcase is probably the best advice. Be sure you know the restrictions for amount, size and weights. Overweight Coach & are packingTravel Vacation luggage does cost, so make sure you only what Tours Packages you really need. Also, packRail anything you need Insurance during the flight (or that you can’t live with if your luggage is lost) in your carry on. Make sure you are aware of carry-on content restrictions for liquids, aerosols, etc. Whether you book online or through a reputable travel consultant, make sure you read the fine print on the documents – one of the best things about travelling during the holidays should be Car Rentals Flights Hotels arriving stress free, then enjoying your holiday!

Vacation Packages

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Travel Insurance

Expedia CruiseShipCenters 4053 Albert St., Regina, SK, S4S 3R6 Tel: (306) 586 Travel 2890 Cell: (306) 535 7649 Car Rentals Flights Hotels Coach & Vacation Insurance Rail Tours Packages www.cruiseshipcenters.com/CarmenBrown REGINA 4053 Albert St. Tel: (306) 586 2890 Car Rentals Flights Hotels Toll Free: 1-877-551-3272

SASKATOON 103-3126 Clarence Ave. S. Expedia CruiseShipCenters Tel: 1-306-652-7447 4053 Albert St., Regina, SK, S4S 3R6 Toll Free: 1-877-446-7447 Tel: (306) 586 2890 Cell: (306) 535 7649

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Expedia CruiseShipCentersWOMEN | VOL. 2 ISSUE 12, DECEMBER 2013 | 41 FOR SASKATCHEWAN

4053 Albert St., Regina, SK, S4S 3R6 Tel: (306) 586 2890 Cell: (306) 535 7649

ring in the new year For many of us New Year’s Eve celebrations are completely different once we have children. Gone are the days of partying until the early morning hours on January 1st. Now we’re lucky if we can stay awake until midnight! Even if your partying days are far behind you, there are still plenty of fun ways to ring in the New Year as a family.

Predict the Future: Before your celebration, write out a few questions for where you think you’ll be or what you’ll like next year at this time. Keep these questions silly so that the whole family can participate. Have your kids make predictions about what they think their favourite movie will be, what their biggest accomplishment of the year will be, etc. The questions could even be as silly as what colour of shirt they think they’ll be wearing for next New Year’s Eve celebration. Be sure to remind yourself to read through your answers during next year’s celebration. Game Night: You can never go wrong with a family game night! Unplug from all electronics for the night and spend time playing board games, charades and more.

Mystery Bags: Pack 6 “mystery bags” of games and activities that your children can open each hour leading up to midnight. These activity packs can include things like glow sticks for a game of hide and seek in the dark, craft supplies for making your own noisemakers and funny accessories with a CD for a mini dance party.

Watch Family Videos: Do you have any family videos from the past year that you could watch as a family? Videos from a family vacation, your child’s sports game or other special moments? Now is a great time to reflect on all the special moments of the last year. If you don’t have videos, you could look through your photo album of the past year.

Write Resolutions: Are there things you hope to do differently in 2014? Goals you hope to reach? Bad habits you hope to break? Now is a good time to write these down and discuss them as a family. Are there ways that you can support each other in reaching your goals?

Milk & Cookie Toasts: If you do manage to stay awake until midnight, you can toast the New Year with a champagne flute of milk and some homemade cookies. I hope your 2014 is full of love, laughter and great family memories!

www.momsandmunchkins.ca 42 |

FOR SASKATCHEWAN WOMEN | VOL. 2 ISSUE 12, DECEMBER 2013

by Cheryl Kirkness

BUILDING KNOWLEDGE The College Avenue Campus Renewal Project

The College Avenue Campus Renewal Project

AT A GLANCE

PROJECT HIGHLIGHTS

Campus, then known as Regina College.

The Centre for Continuing Education will

• 32 newly renovated classrooms

For decades, through growth and during

continue to provide programming for:

• A 550-seat performance centre at

ver 100 years ago, the University of Regina opened its doors at the College Avenue

struggle, the campus provided a place for students to learn, grow and thrive. Now it’s time to restore and revitalize this historic campus for the future benefit of our students and the community. Building Knowledge – The College Avenue Campus Renewal Project was

• Business and Professional Development • Credit Studies • Distance Learning • English as a Second Language • Lifelong Learning Centre

the name given to this important revitalization plan.

Restoring the Conservatory will:

We believe that it is our responsibility to preserve and

• Expand music lessons, programs and

steward the visionary legacy of those who imagined and

performances

built the former Regina College. As such, the Building

Creating the Executive Education Centre

Knowledge project is the University of Regina’s

will provide opportunities to:

number one capital fundraising priority this year.

• Host university conferences, lectures and events

WHAT THE FUTURE HOLDS Conservatory and Darke Hall will be fully restored

School of Public Policy

known as the University of Regina Leadership and Outreach Centre (LOC) and will offer a multitude of tangible benefits to the entire community. Students of all ages and stages of life will continue

a raised lounge adjacent to Darke Hall • A 150-seat Conservatory recital hall • An art room for 20-25 students • A state-of-the-art music room for master classes • A computer laboratory for 16-20 students • Teaching space for summer camp programming

business and professional development and the Johnson-Shoyama Graduate

University of Regina. This revitalized campus will be

• A 250-300 seat concourse, including

• Increase classroom use by 50% for

As part of this project, the College Building, the and adaptively reused as a fundamental part of the

Darke Hall • A 75-seat lecture theatre

Revitalizing Darke Hall means: • This landmark will once again become a well used, bustling event space that

“Revitalizing our historic College Avenue Campus will strengthen the University of Regina’s connection to the larger community and further contribute to educating the next century of learners and leaders in our province.” – DR. VIANNE TImmONS, PResidenT & ViCe-CHAnCelloR

UniVeRsiTy of ReginA

maintains significant public access, functioning as an increased capacity community facility

to populate the sustainably refurbished and easily accessible College Building, Conservatory and Darke Hall. The hub of the LOC will be a new Executive Education Centre. Here, learners from the Centre for Continuing Education, Johnson-Shoyama Graduate School of Public Policy and the community-at-large, will attend seminars and lectures in “smart” meeting rooms designed for groups of 20 to 300 people. Once completed, the University of Regina LOC will serve as a provincial and national destination that integrates academic programming with outreach and training for both public and private sector professionals.

ConCePTUAl RendeRing - noRTH fACAde

Help renew the University of Regina’s College Avenue Campus. Visit www.uregina.ca/building-knowledge or call (306) 585-4024 to learn more.

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