FREE MAGAZINE VOL. 6 - ISSUE 12 - DECEMBER 2017
Cindy Radford
Cindyrella’s Sewing Quilting & Needlework
CHRISTMAS A TIME TO SPARKLE BY MICHELLE STRAWFORD
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FOR SASKATCHEWAN WOMEN | VOL. 6 ISSUE 12, DECEMBER 2017
777 retirement retirementquestions questions retirement questions to ask yourself to ask ask yourself yourself to Now that you have your financial plan in shape, you’re almost Now that you Nowthat thatyou youhave haveyour yourfinancial financialplan planininshape, shape,you’re you’realmost almost Now Now you have your financial shape, almost readythat for retirement. Question is: plan Whatinon earthyou’re are you going ready for retirement. Question is: What on earth are readyfor forretirement. retirement.Question Questionis:is:What Whaton onearth earthare areyou yougoing going ready going ready for retirement. you going to do? to do? todo? do? to to do? Guess what new retirees say their biggest surprise is when Guess what Guesswhat whatnew newretirees retireessay saytheir theirbiggest biggestsurprise surpriseis when Guess Guess what surprise isiswhen when they finally leave work? “Seven days of fishing or golf just isn’t they finally fishing or golf just they finally leave work? “Seven days of fishing or golf justisn’t isn’t they finally leave work? “Seven days of isn’t they finally fishing or golfto just as much fun as they thought it would be,” according Eileen as much fun be,” according to Eileen as much fun as they thought it would be,” according to Eileen as much fun as they thought it would as much fun according Eileen Chadnick, principal and certified coachbe,” at Big CheesetoCoaching. Chadnick, principal Chadnick,principal principaland andcertified certifiedcoach coachat atBig BigCheese CheeseCoaching. Coaching. Chadnick, Coaching. Chadnick, principal at Big Cheese Coaching. She and I spoke about the value of a retirement plan that takes She and spoke Sheand andIII Ispoke spokeabout aboutthe thevalue valueofofaaretirement retirementplan planthat thattakes takes She takes She retirement plan that takes moreand thanspoke financial questions into consideration. more than financial more than financial questions into consideration. more than financial questions into consideration. more than financial “After the immediate [retirement] honeymoon, a life filled “After the immediate life filled “Afterthe theimmediate immediate [retirement] honeymoon, lifefilled filled “After [retirement] “After the immediate aa alife exclusively with leisure stops beinghoneymoon, leisurely,” Chadnick told exclusively with leisure stops being leisurely,” Chadnick told exclusively with leisure stops being leisurely,” Chadnick told exclusively with leisure stops being leisurely,” exclusively with Chadnick told me. “All rest, no stress, no challenges becomes really very me. “All rest, no stress, no challenges becomes really very me. “All rest, no stress, no challenges becomes really very me. “All rest, no stress, no challenges me. “All rest, becomes really very unbalanced. People need to find balance or they will get bored. unbalanced. People need totofind find balance or they will unbalanced. People need find balance theyactivities willget getbored. bored. unbalanced. need to balance bored. unbalanced. ororhave they will get bored. People who People don’t have a plan — who don’t and People who don’t have a plan — who don’t have activities and People who don’t have a plan — who don’t have activities and People who don’t have a plan — who and People who don’t have activities ways to engage all aspects of their personality — don’t do and well ways to engage all aspects of their personality — don’t do well ways to engage all aspects of their personality — don’t do well ways to engage all aspects of their personality well ways to engage — don’t do well in retirement.” in retirement.” retirement.” in ininretirement.” retirement.” Chadnick counsels her clients to begin thinking about that plan Chadnick counsels her clients totobegin begin thinking about Chadnick counsels her clientsto begin thinking aboutthat thatplan plan Chadnick her clients plan Chadnick counsels thinking about that plan soon aftercounsels their 40th birthday. If that’ s already passed, start soon after their 40th birthday. If that’ s already passed, start soon after their 40th birthday. If that’ s already passed, start soon after their 40th birthday. If that’ soon after their s already passed, start now. It’s especially important to begin early if you decide you’d now. It’ sssespecially especially important totobegin begin early if you’ d now. It’It’ especially ififyou you decide you’ ddd now. especially important begin youdecide decide you’ now. It’ sdo important to you’ like to something in retirement that’early searly dramatically different like to do something in retirement that’ s dramatically different like to do something s dramatically different like to do something in retirement that’ s dramatically different like to do something in retirement that’ different from what you do now. Some see retirement as an opportunity from what you do now. Some see retirement as opportunity from what you asasan anantraining, opportunity from what youdo donow. now. Some seeretirement retirement opportunity from what you Some see opportunity to begin a new career, for example. If that requires to begin a new career, for example. If that requires training, to begin a new that requires training, to begin a new career, for example. If that requires training, to begin a new career, for example. If work that into your plan. work that into your plan. work that into workthat thatinto intoyour yourplan. plan. work
Don’t Don’t wait to think about retirement Don’twait waitto tothink thinkabout aboutretirement retirement Don’t wait to think about retirement Don’t wait to think about retirement
“How do you shift gears? You need to get your mind around “How get your mind around “Howdo doyou youshift shiftgears? gears?You Youneed needto get your mind around “How do you shift gears? You need toto get your mind around “How do you shift need to get your mind that and prepare togears? think You about other possibilities foraround yourself,” that and prepare to think about other possibilities for yourself,” thatand andprepare prepareto thinkabout aboutother other possibilities for yourself,” that and prepare totothink think about other possibilities for yourself,” that possibilities for yourself,” she said. “I think people make the mistake of waiting until it’s she of waiting until it’ shesaid. said.“I thinkpeople peoplemake makethe themistake mistake waiting until she said. “I“Ithink think people make the mistake ofof waiting until ss she said. “I think people make the mistake of waiting until it’it’ssit’ too late.” too late.” toolate.” late.” too late.” too What are you supposed to spend all that time thinking about? What time thinking about? Whatare areyou yousupposed supposedto spendall that time thinking about? What are you supposed totospend spend allallthat that time thinking about? What are you supposed to spend all that time thinking Chadnick prepared this checklist of seven questions forabout? us: Chadnick prepared this checklist of seven questions for us: Chadnick prepared this checklist of seven questions for Chadnick prepared this checklist of seven questions for us: Chadnick prepared this checklist of seven questions for us:us: 1. What will be most important to you in retirement? What What will be important to you ininin retirement? What Whatwill willbe bemost mostimportant importantto you retirement? What What will be most important toto you retirement? What 1.1.1.1. What in retirement? will give you amost sense of purpose?you What will be your What paswill give you aaasense sense of purpose? What will be your paswill give you sense of purpose? What will be your paswill give you sense of purpose? What will be your paswill give you a of purpose? What will be your passion? sion? sion? sion? sion? 2. What kind of work do you want to do, if any? Will it be 2. do to do, if any? Will it Whatkind kindof ofwork work doyou youwant want do, any? Will itbe be 2.2. What What kind ofwork work do you want toto do, any? Will 2. What kind of work you want to do, ififif any? Will ititbe be strictly paid ordo include unpaid, volunteer work? strictly paid work or include unpaid, volunteer work? strictlypaid paidwork workor includeunpaid, unpaid, volunteer work? strictly paid work ororinclude include unpaid, volunteer work? strictly volunteer work? 3. Do you want to remain in your existing career? Would you 3. want to in existing career? Would you Doyou you want remain your existing career? Would you Do you want totoremain remain your existing career? Would you 3.3.3. Do Do you want to remain inininyour your existing career? Would you rather do something entirely different? rather do something entirely different? ratherdo dosomething somethingentirely entirelydifferent? different? rather do something entirely different? rather 4. Leave aside the financial importance of work for a mo4. Leave aside the financial importance of work for moLeaveaside aside thefinancial financial importance of work for aof mo4.4. Leave Leave aside the financial importance of work for mo4. the work for aaamoment. How important willimportance work be toof you in terms ment. How important will work be to you ininin terms of ment. How important will work be to you terms of ment. How important will work be to you terms of ment. How important will work be to you in terms of intellectual and social fulfillment? intellectual and social fulfillment? intellectualand andsocial socialfulfillment? fulfillment? intellectual and social fulfillment? intellectual 5. In the absence of a work schedule, how much structure do 5. absence of aaawork how much structure do 5. In the absence of work schedule, how much structure do the absence awork workschedule, schedule, how much structure do 5.5. In InInthe the absence ofof schedule, how much structure do you want in your day? you want in your day? you youwant wantin yourday? day? you want ininyour your day? 6. How will you replace some of the good stuff of work: 6. replace of good stuff of work: 6. How will you replace some of the good stuff of work: Howwill willyou you replacesome some the good stuff of work: 6.6. How How will you replace some ofofthe the good stuff ofopportuniwork: intellectual engagement, challenge and growth intellectual engagement, challenge and growth opportuniintellectual engagement, challenge and growth opportuniintellectual engagement, challenge and growth opportuniintellectual engagement, challenge and growth opportunities? If you’re not getting the social interaction you had in ties? If getting the interaction you had in ties? IfIfIfyou’re you’re not getting social interaction you had ininin ties?workplace, you’renot not getting thesocial social interaction you had ties? you’re not getting the social interaction you had your how will the you stay connected? your workplace, how will you stay connected? your connected? yourworkplace, workplace,how howwill willyou youstay stay connected? your workplace, how will you stay connected? 7. What do you need to stay motivated, inspired and en7.7.7. What What do you need to stay motivated, inspired and en7. need to stay inspired and enWhatdo doyou youdo need staymotivated, motivated, inspired and enWhat do you need toto stay motivated, inspired and engaged? What you need to stay healthy, vibrant and gaged? What do you need to stay healthy, vibrant and gaged? What do you need to stay healthy, vibrant and gaged? What do you need to stay healthy, vibrant and gaged? What do you need to stay healthy, vibrant and resilient? resilient? resilient? resilient? resilient? Clearly, this is not your grandfather’s retirement. It may not Clearly, this is grandfather’ s retirement. It may not Clearly, this isisisnot not your grandfather’ ItItIt may not Clearly, this notyour your grandfather’ sretirement. retirement. may not Clearly, this not your grandfather’ may not look much like your mother’ s, either.ssretirement. Chadnick attributes this look much like your mother’ s , either. Chadnick attributes this look much like your mother’ s , either. Chadnick attributes this look much like your mother’ s , either. Chadnick attributes this look much like your mother’ s , either. Chadnick attributes this shift to the baby boom generation and its dedication to active shift to the baby boom generation and its dedication to active shift to the baby boom generation and its dedication to active shift to the baby boom generation and its dedication to active shift to the baby boom generation and its dedication to active living. living. living. living. living. “Boomers will not hang out on the porch,” she said. “Boomers “Boomers will not hang out on the porch,” she said. “Boomers “Boomers will not hang on she said. “Boomers “Boomers will not hangout out onthe theporch,” porch,” she said. “Boomers “Boomers will not hang out on the porch,” she said. “Boomers have always been known to defy the rules. Retirement is no have always been known to defy the rules. Retirement isisis no have always been known to defy the rules. Retirement is no havealways always been known defythe therules. rules.work. Retirement no have totodefy Retirement no different. Webeen get aknown lot of meaning through We want to different. We We get get aa lot lot of of meaning meaning through through work. work. We We want want to to different. different. We get lot meaningthrough throughwork. work.We Wewant want different. get aalot meaning toto be relevantWe in all our lifeofof stages.” be relevant relevant in in all our our life life stages.” stages.” be berelevant relevantininall ourlife lifestages.” stages.” be allallour
Let’s talk about how we can help you create aa bright financial future. Let’s talk about how we can help you financial future. Let’s talk about how we can help you create bright financial future. Let’stalk talk about howwe wecan canhelp help youcreate create brightus financial future. Let’s about you create aabright bright financial future. Please attend ourhow next informative seminar. Call aor email to register - limited space is available.
Please attend our next informative seminar. Call or email us to register - limited space is available. Please attend our next informative seminar. Pleaseattend attendour ournext nextinformative informativeseminar. seminar.Call Callor emailus register-- limited -limited limitedspace spaceisisisavailable. available. Please Call ororemail email ususto totoregister register space available. Douglas Stroud Stroud*** B.Ed. B.Ed. Douglas Douglas Stroud * B.Ed. * * B.Ed. Douglas Stroud Douglas Stroud B.Ed. Douglas Stroud B.Ed. 306-757-8631 ext 2216 306-347-0090 ext 2226 306-757-8631 ext ext 2216 2216 306-757-8631 douglas.stroud@sunlife.com 306-757-8631ext ext2216 2216 306-757-8631 douglas.stroud@sunlife.com douglas.stroud@sunlife.com douglas.stroud@sunlife.com sunlife.ca/douglas.stroud douglas.stroud@sunlife.com douglas.stroud@sunlife.com sunlife.ca/douglas.stroud sunlife.ca/douglas.stroud sunlife.ca/douglas.stroud 2002 VictoriaRoad Avenue, Suite 1200 sunlife.ca/douglas.stroud sunlife.ca/douglas.stroud 2220 Willow 2002 Victoria Avenue, Suite 1200 2002 Victoria Avenue, Suite Regina, SK S4V S4PAvenue, 0R7 Suite 2002Victoria Victoria Avenue, Suite1200 1200 2002 1200 Regina, SK Regina, SK S4P 3A4 0R7 Regina, SK S4P 0R7 Regina,SK SKS4P S4P0R7 0R7 Regina,
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FOR SASKATCHEWAN WOMEN | VOL. 6 ISSUE 12, DECEMBER 2017 | 3
Our Team PUBLISHER James Huber james@getcompass.ca
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6 COVER STORY
Cindy Radford
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In this Issue
FOR SASKATCHEWAN WOMEN | VOL. 6 ISSUE 12, DECEMBER 2017
Holiday party appetizers
By Cheryl Kirkness
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Cindy Radford
Cindyrella’s Sewing Quilting & Needlework By Jennifer Graff Litzenberger
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FOR SASKATCHEWAN WOMEN | VOL. 6 ISSUE 12, DECEMBER 2017
In a busy world where work and family take up a lot of our time, it can be hard to find a spare moment to dedicate to other pleasurable endeavours. For Cindy Radford, retirement afforded her plenty of free time to pursue her hobbies and interests. From a young age, she had enjoyed playing around with her sewing machine, creating clothing pieces for herself and others, but it wasn’t until she retired that she could devote her time and energy to something she truly loved. After a successful career with SaskTel, Cindy realized that she now had the tools, the space, the support and the empowerment to realize that she could live out her passion project and open her own business- Cindyrella’s Sewing Quilting & Needlework and ww.precutstash.com. Cindy’s story is unique. With a chuckle, she explained, “I started this all for selfish reasons. I needed material that I just couldn’t find anywhere around here. So I found a supplier and ordered my first stash. It wasn’t until I had sold off all of what I had to others who also needed it, that I realized I didn’t keep any for myself. I was almost in tears! So I had to order more.” Specializing in designer fashion and quilting fabrics, yarns and fibre, and hand and machine embroidery, Cindyrella’s Sewing Quilting & Needlework is a multidimensional craft shop. Cleverly named after the fairytale character, Cindy wanted to create a place that would encourage the creativity of her customers, a craft palace with a Step-sister’s clearance and Fairy godmother Wishlist. She worked by herself for the first 3 months, and now, 5 years later, employs 9 staff in a 6500 square foot location. “I’m proud of how far we’ve come in such a short time. We found a niche market. We have good product, but we have even greater staff.” Cindy praises her employees for their continued success and says they are what keeps her customers coming back again and again. Our customers keep us current and enjoy seeing them weekly and even sometimes even daily! With humorous and helpful staff, Cindy says people feel welcome when they come to Cindy-rella’s. People can find help with numerous projects and are never rushed. A cozy fireplace is surrounded by yards of thread and yard, perfectly outfitted with a comfy chairs for customers to bring their work in and work in a relaxing atmosphere, with help easily available at any time. Cindy-rella’s wants their customers to have success with their projects, so support is ongoing and encouraging. The prominence and power of social media have also helped shape Cindy-Rella’s into what it is today: “Social media is FOR SASKATCHEWAN WOMEN | VOL. 6 ISSUE 12, DECEMBER 2017 | 7
It’s really great to see what people come up with. To see their faces light up when they have completed something they never thought they could do...that’s what’s really neat to see. huge...we are on Facebook Pinterest and Instagram...with over 1100 likes. Our new precutstash.com which was launched on “Cyber Monday”, saw over 70 members sign up for our newsletter and create accounts in the first hour, so we know our name is getting out there.” Cindy explained that the larger chain stores aren’t carrying product and material like they used to, and with the popularity of online stores like Etsy, and with more and more people turning to DIY projects, customers are looking to find the stuff they need locally to make extra money at home. As an authorized dealer for Babylock, Bernina, Elna and HandiQuilter, Cindy-rella’s also sells competitively prices sewing machines, accessories, and repair services. “It’s a division of Cindy-rella’s and it’s huge. Everybody already knows what to expect from the traditional quilt store. But we are different. We are a one stop store for all your addictions! We have diversified our product and made a unique system that works. We specialize in making things easy and allow you flexibility to create 8 |
FOR SASKATCHEWAN WOMEN | VOL. 6 ISSUE 12, DECEMBER 2017
your vision and at reasonable prices. We take designers’ existing fabric collections, then we pick and choose what goes into a bundle so you can have a simple, original project. You can find everything you need online at www.precutstash.com.” Another distinctive feature to Cindy-rella’s business is their 1600 square foot clubhouse. In keeping with the fairytale theme, Cinderella’s clubhouse gives members access to a gigantic classroom, fridge, lockers and any tools you may need to complete your quilting project. It only costs $50 a month and all you need to do is bring your fabric and thread. Because you don’t need to bring your own machine to a class, you are able to try your hand at some projects before committing to, or getting addicted to this unique art form in a group environment. Cindy stressed, “you don’t have to have experience. You don’t need to have your own machine. That’s the cool thing about this place. All you have to do is show up.” She added that while the art of quilting may seem old fashioned and outdated, people can ex-
pect something different at every class: “We encourage people to be creative. You don’t have to stick to a pattern or colour scheme. We are there to offer guidance, but ultimately, let you have creative control over your project.” Each Thursday night is a specialized club night. There are 4 different clubs to join, meet other enthusiasts, see projects and learn new techniques. On the 4th Thursday of each month there is a specific hands-on project that people can sign up for. Cindy-rella’s also offers group rates for custom learn-to classes and parties. Other courses that people can sign up for at Cindy-rella’s include a Build-a-Wardrobe class, where each class is dedicated to a particular item of clothing and at the end you have a full outfit. Upcycling classes are also becoming available to teach people to make new garments, bags or unique items out of existing items. “It’s really great to see what people come up with,” Cindy exclaimed. “To see their faces light up when they have completed something they never thought they could do...that’s what’s really neat to see.” Other services offered at Cindy-rella’s include rental of their machines, including the 18.8 Avanti Long-Arm for larger quilting projects. Aside from signing up for a variety of classes, you can find a huge selection of patterns, a unique online store with easy and fast shipping, quality machines, and a full range of furniture, storage units and cabinets. At Cindy-rella’s you will be able to find anything you need for knitting, cross stitching, embroidery, and the Loopy Mango used to make those huge blankets seen all over Pinterest and Instagram. With the success she’s had so far, Cindy hopes to see her business continue to thrive in a world that sometimes pushes against the traditional. Because we now have greater access to the world, she hopes to promote the appreciation and knowledge of the art form of sewing and quilting techniques, but to also encourage experimentation and evolution to combine new techniques with traditional ones.
If you are interested in taking up quilting, attending a class, or looking into any of the other many services that Cindy-rella’s offers, head to their store at #2-1230 St. John Street, Regina or their website, sewcindy-rella.com. Cindy-rella’s can also be found on Facebook facebook.com/cindyrellasewingquilting Instagram @sewcindyrella phone (306) 585-2227 email order@sewcindy-rella.com Also check out their newly launched website Precutstash.com
FOR SASKATCHEWAN WOMEN | VOL. 6 ISSUE 12, DECEMBER 2017 | 9
T R E L A E B PROMOTING ETHICAL BUSINESS STANDARDS BY PROVIDING THE FOLLOWING SERVICES: • Scam releases and reporting
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MOVING SCAMS Whether moving across town or across the country, nearly a third of consumers choose a professional moving company to assist with their relocation. Moving scams can entail anything from collecting deposits and never showing up, to massive price hikes, to goods being held hostage. BBB offer the following tips on preparing for a move, finding a trustworthy moving company, and avoiding scams: 1. Phoning It In. No on-site inspection of your home and moving needs = no go! A sight-unseen estimate is too good to be true and a red-flag of poor business operations or a scam. 2. The Cursory Glance. A quick walkthrough of your home without opening any cabinets is cause for concern. Your moving professional should ask questions like “Are you planning on moving all the food in your pantry?” or “Are you planning to have a yard sale? Which items will be included?” Inform your mover of any expected big purchases (say, a king size mattress) during the walkthrough. Be suspicious of any low-ball estimates that may result in your items being held hostage until you pay thousands more! 3. The Requested Deposit. Reputable movers will not demand cash up-front, or payment via gift cards, wire transfers or unusually large deposits. The general rule is to pay upon delivery. If you pay in-full upfront, you lose all control of your move and the resulting condition of your homewares. Pay with credit card to help protect yourself from fraudulent activity. 4. The Blank Contract. Never, ever, sign a blank contract. Review everything in writing; ask for a revised quote/contract that reflects any required corrections, ad-
WHAT TO WATCH FOR THIS MONTH BROUGHT TO YOU BY THE BETTER BUSINESS BUREAU
ditions, or clarifications. Sign only after you have read the entire contract (including the fine print) and understand every detail. Make sure all items being moved are listed. 5. The “Guaranteed” Quote. You may encounter two types of quote: non-binding and binding. A non-binding estimate means the company cannot require payment of more than 10 percent above the original estimate, due within 30 days of delivery. A binding estimate is supposed to be a guaranteed price for the move and all extras and services. But, read the fine print! The ‘binding’ component is usually only applied if the weight of your goods does not exceed a set amount. Either have it confirmed in writing that the quote is the absolute final price, or be very certain the weight estimate will be sufficient for your move. Questions to ask of a moving company should include: Are you licensed (as a business, municipally and professionally)? Do you have experience with my specific type of move (i.e., multiple floors, big city, cross-country, apartment)? What kind of liability coverage does your company provide (i.e., Full Value Protection, Released Value Protection, Replacement Value Protection)? Do you have references? Can you provide a binding quote or a not-to-exceed estimate? Ask about extra fees and how they are applied (i.e., boxing and prepping housewares; delivering up multi-story residences, transferring boxes from the truck to the home if streets are too narrow; delivery to apartment suites; etc.). Find a moving company you can TRUST by visiting bbb.org/saskatchewan. Find a BBB Accredited Business, read customer reviews, investigate previous customer complaints, and compare up to three companies using BBB’s eQuote system.
Brought to you by the Better Business Bureau • bbb.org/sask 10 |
FOR SASKATCHEWAN WOMEN | VOL. 6 ISSUE 12, DECEMBER 2017
Hair Colouring Terminology By Joy Tesch from Visions Salon and Spa in Saskatoon
Do you want to get your hair colored and don’t quite understand the difference between all the Hairstylist terminology? Today I will break it all down for you. Base Color This refers to our overall hair color. Root Touch up This is generally when color is placed directly on roots. A root touch up primarily can be used for people covering their grey hairs, or if someone’s natural roots are all over darker or lighter than their mid-shaft of hair and ends. There are no foils for a root touch up. Highlights Typically is when a hairstylist use foils to lighten segments of the hair. There are different variations of looks and techniques stylists can use when highlighting, but this generally means you will have foils in your hair during the processing segment. Lowlights The hairstylist will darken some pieces of
Joy Tesch 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 hair stylist in Saskatoon. For more hair tips, follow her on Facebook and instagram at Joyteschhair.
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FOR SASKATCHEWAN WOMEN | VOL. 6 ISSUE 12, DECEMBER 2017
your overall hair color. In the processing portion a hairstylist can use foils of may just free hand paint a darker formulation within your color. Ombre Is from the french word meaning shaded or shading. Ombre hair color is generally darker at the roots through the mid-shaft and then gradually gets lighter from the mid-shaft to the ends. Balayage This is also comes from a French word meaning sweep. This is a technique for highlighting the hair where the hairstylist free hand paints (sweeps) the lightener in such a way it creates a graduated and natural blend.
During Holidays, Be Extra Vigilant About Protecting Financial Data
Conquer the Clutter
To help achieve your long-term goals, such as a comfortable retirement, you should save and invest regularly. But that’s only part of the picture. You also need to protect your financial assets in various ways. One such method is guarding your personal information – especially any information that could be linked to your financial accounts. It’s obviously important to be vigilant at any time, but you need to be even more on your toes during the holiday season, when fraudsters are particularly active.
80% of household clutter is the result of disorganization, not lack of space.
So, to help keep your important data under wraps during the holidays, consider these suggestions:
-National Soap and Detergent Association
• Extend your protection to all mobile devices. Identity thieves can now compromise your mobile devices by installing spyware that steals usernames, passwords and credit card information. Fortunately, you can fight back. By doing a little research online, you can find the best mobile security software for your needs.
Renew and organize your space
• Use multiple passwords. Online security specialists recommend that you use different passwords for each new online shopping site you visit during the holiday season. Although this might seem like a hassle, it can be helpful, because even if identity thieves were to grab one of your new passwords, they still couldn’t use it for other sites you may visit. And you can even find a free online program that can help you keep track of all your passwords.
Call C&C before Dec. 31 to receive a 10% discount when you mention PINK. Bev Chandler Professional Organizer Call, text or email 306-536-8844 b.chandler@ccorganizing.ca • www.ccorganizing.ca
• Be suspicious of “huge savings.” It happens every holiday season – identity thieves develop fake sites with attractive graphics and stunningly low prices on a variety of items, especially digital devices. If you fall for these pitches, you won’t get any merchandise, but you might get a handful of headaches once the bad guys have your credit card number and other personal information. To prevent this, be wary of any deal that sounds too good to be true, and do some digging on the websites that offer these mega-savings. • Watch for fake shipping notices. During the holidays, when you may do a lot of online shopping, you will probably receive some legitimate shipping notices. But the bad guys have gotten pretty good at generating fake notices designed to resemble those from UPS, FedEx and even Canada Post. If you were to click on the link provided by one of these bogus notices, you could either take on some malware or get taken to a “phishing” website created by the shipping notice PMSbest 5535 forgers. Your defense: Only shop with legitimate merchants and only use the tracking numbers given to you in the email you received immediately after making your purchases. • Keep your Social Insurance number to yourself. As a general rule, don’t give out your Social Insurance number online — to anyone. No legitimate retailer needs this number. Finally, be aware that not all attempts at stealing your personal information will come online. When you’re out shopping at old-fashioned, brick-and-mortar stores, consider bringing just one credit card with you — and protect that card from prying eyes. By following Black these precautions, you should be able to greatly reduce the risk of being victimized by identity thieves and other miscreants. And the more comfortable you are in doing your holiday shopping, the more you can enjoy the season. 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 Whitewww.edwardjones.com
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ARE YOU AN ENTREPRENEUR WITH A DISABILITY? Whether you PMS are Black 16 or 65, we offer disability supports and business services free of charge, so you can move forward with your vision of starting a business. Some Support includeS: • Providing one-on-one or group training in business development. PMS White • Reducing barriers, in terms of disability issues. • Mentoring and consulting services. For more information: Call Brenda at (306) 757 7452 ext. 236 or email brenda@ssilc.ca www.edpsask.ca FOR SASKATCHEWAN WOMEN | VOL. 6 ISSUE 12, DECEMBER 2017 | 13
5 Budget-Friendly Items to Gift a Traveller for Christmas Suffering from insatiable wanderlust, Ashlyn George is an award-winning travel writer and photographer who has travelled through more than 55 countries and onto every continent before the age of 30. In 2015 she travelled 37,000 kilometres across her home province of Saskatchewan as the official personality and travel blogger for the Government of Saskatchewan. Currently she documents her adventures and stories on her blog The Lost Girl’s Guide to Finding the World. To connect with Ashlyn and follow her journey, find her online at www. thelostgirlsguide.com or at ashlyn@ thelostgirlsguide.com.
Travelling can be expensive. It’s not just flights, accommodation and activities when in a different country. It’s also new luggage, entry visas, vaccinations, and travel insurance. The costs can add up quickly. To help the traveller in your life get to where they need to go, consider buying them these five budget-friendly holiday gifts. 1. Guidebooks Even in the digital age, guidebooks are helpful for multiple reasons. They don’t use Wi-Fi or need batteries or cables for charging. They provide detailed maps and useful knowledge that are quick and easy to access. And although a bit bigger than a smart phone, they are still small enough to slip into a purse or bag. No matter where I’m headed in the world, I always pick up a guide book before I head off to explore a new country. Price Range: $25-50 Recommended brands: Lonely Planet, Frommers and Moon
As well as on her social media channels: • Facebook.com/thelostgirlsguide • Instagram: @thelostgirlsguide • Twitter: @lostgirlsguide
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FOR SASKATCHEWAN WOMEN | VOL. 6 ISSUE 12, DECEMBER 2017
2. Scratch Off Travel Map
4. Passport and Travel Document Wallet
Not that travel is about ticking off countries, but it’s pretty satisfying to come back from a holiday and mark another country explored on a wall map. Traditionally marked by pushpins, new maps are scratchable so you can remove the top coat for a creative coloured layer beneath. Price Range: $15-30 Purchase at: Indigo and Winners
A good passport holder protects more than your passport. It also holds transportation tickets, a pen, multiple currencies, insurance documents, trip itineraries and extra passport photos for visas at border crossings. It’s the perfect solution to staying organized in the airport or train station. Price Range: $15-75 Purchase at: MEC, CAA Travel Stores, Bentley
3. Packing Cubes
5. Portable External Battery Charging Bank
I joke my bag explodes every time I open it while travelling as my stuff tends to end up all over the hotel room. Combining similar items in soft packing cubes helps me stay organized and keeps my gear all together. Different sized cubes allow me to keep related items packed perfectly. I keep my toiletries, shoes, and clean and dirty clothing all in separate cubes. Price Range: $5-30 each Purchase at: MEC, The North Face Store, CAA Travel Stores
Keeping smartphones and cameras charged when travelling can be an inconvenience. But portable external battery charging banks are the perfect solution while on-the-go. I highly recommend purchasing one that offers quick-charging capabilities. They can refuel devices four-times faster than a standard charging back. Price Range: $30-100 Recommended brands: Aukey and Anker
FOR SASKATCHEWAN WOMEN | VOL. 6 ISSUE 12, DECEMBER 2017 | 15
#STYLELIVESHERE Christmas – A Time To Sparkle By Michelle Strawford
Here are a few of our favorite party dresses from brands you may already Tis the season to gather with our favorite people, celebrate the season and have in your closet along with some new welcome in a new year. Isn’t it time you ones that you need to take notice of! You do not need to look far to find the added a bit of sparkle to your wardrobe? Whether it’s a dinner out with friends, a best in Christmas style and prices. Shop company Christmas party or bringing in Bella Chic online at www.bellachic.ca. the New Year’s find a dress that showcases Also visit Bella Chic in our store at 5P South Plains Rd West, Emerald Park. Now your love for style.
open 7 days a week. Directions and store hours are available online. Find us too on Facebook at /BellaChic.Fashion and remember to share your favorite fashion pics on our Instagram feed @Bellachic_ Canada. photos by Dex, Fizz & Frost, Look By M and BB Dakota BB DAKOTA
With a lifelong passion for fashion Michelle Strawford runs multiple businesses all with a focus on showcasing and bringing style to Saskatchewan. From owning a photography company and producing SK’s top retail events, not to mention owning a women’s fashion company too, Michelle lives and breathes what she loves. Find out more at:
MINK PINK
MINK PINK
BellaChic.ca Instagram: @BellaChic_Canada Facebook: /BellaChic.Fashion Twitter: @BellaChicOnline Fotobella.ca Facebook: /fotobella.ca WhatWomenWantEvent.com Facebook: /WhatWomenWantEvents/ Twitter: @WhatWomenWantSK Contact Michelle at michelle.strawford@sasktel.net Twitter: @michelleStrawf1 16 |
FOR SASKATCHEWAN WOMEN | VOL. 6 ISSUE 12, DECEMBER 2017
DEX
Rick O'Dow President
3121 Saskatchewan Drive, Regina, SK S4T 1H6 • P: (306) 352 6044 • F. (306) 359 7425 Hours: Monday to Friday - 8:30AM to 5:30PM • www.rickscustomcabinets.com
Miracle babies need your will to survive. Every year more and more babies in Canada are born too soon, too small or too sick. These miracle babies need the specialized care that is only available in Newborn Intensive Care Units (NICUs). Include the Sandra Schmirler Foundation in your will and help save the lives of babies born premature and critically ill. Our funding ensures NICUs are equipped with the latest technology that allows Moms and Dads to stay close to home, near family and friends.
If you would like a copy of our free Legacy Guide or more information about creating your legacy gift, please contact Brenda Gallagher in confidence at 1-866-210-6011 or bgallagher@sandraschmirler.org
Every baby deserves the chance to grow up and be a champion.
When you name us in your will you are giving these most vulnerable babies the chance to live their dreams.
FOR SASKATCHEWAN WOMEN | VOL. 6 ISSUE 12, DECEMBER 2017 | 17
HOLIDAY PART STUFFED FILET MIGNON BITES
KING CRAB APPETIZERS
PARTY CHEESE PUFFS
10 Servings
12 Servings
12 Servings
INGREDIENTS:
INGREDIENTS:
INGREDIENTS:
• 4 (6 ounce) filet mignon steaks
• 2 (12 ounce) packages refrigerated biscuit dough
• 1/2 cup water • 1/4 cup butter • 1 pinch salt • 1/2 cup flour • 2 large eggs • 1 teaspoon fresh thyme leaves • 1 teaspoon ground black pepper • 1/2 cup shredded sharp Cheddar cheese, divided
• 1 (16 ounce) bottle Italian dressing • 1 (8 ounce) package cream cheese • 1/4 cup minced jalapeno pepper • 20 slices thinly sliced bacon
• 1 (8 ounce) package cream cheese, softened • 1 (6 ounce) can crab meat, drained • 2 tablespoons mayonnaise
DIRECTIONS:
• 2 tablespoons grated Parmesan cheese
1. Slice the steaks into 1/2-inch wide strips. Pound the strips to about half their original thickness. Place the steak in a bowl; pour the Italian dressing over the meat; allow to marinate at least 2 hours. 2. Mix together the cream cheese and jalapeno pepper in a bowl; set aside. Remove the strips from the marinade and lay out on a flat surface. Spread about 1 teaspoon of the cream cheese mixture on each strip. 3. Preheat an outdoor grill for high heat and lightly oil grate. 4. Remove the strips from the marinade and lay on a flat surface. Spread about 1 teaspoon of the cream cheese mixture on each strip. Fold the meat around the cream cheese mixture to form a ball. Wrap each ball with a slice of bacon. Secure bacon with watersoaked toothpicks or metal skewers. 5. Cook on preheated grill until steak is no longer pink, about 4 minutes per side.
• 1/2 cup shredded Cheddar cheese
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• 2 tablespoons thinly sliced green onion • 1 teaspoon Worcestershire sauce
DIRECTIONS:
• 1 pinch paprika
1. Preheat oven to 425 degrees F (220 degrees C). Line a baking sheet with a silicone baking mat. 2. Stir water, butter, and salt together in a pot; bring to a simmer. Reduce heat to medium and whisk flour into butter mixture until a paste-like dough forms, 2 to 3 minutes. Transfer dough to a bowl to cool until warm, 5 to 10 minutes. 3. Whisk 1 egg, thyme, and black pepper into cooled dough until egg is completely incorporated. Add remaining egg and whisk until completely incorporated into dough. Stir 3/4 the cheese into dough until combined. Scoop 1-inch balls of dough onto prepared baking sheet. Top each with remaining cheese. 4. Bake in the preheated oven until golden and puffed, 15 to 20 minutes.
DIRECTIONS: 1. Preheat oven to 375 degrees F (190 degrees C). Lightly grease 12 tartlet pans. 2. Divide rolls in half and press into the prepared tartlet pans. Set aside. 3. In a large bowl, combine cream cheese, crab, mayonnaise, Parmesan cheese, Cheddar cheese, green onions and Worcestershire sauce. Spoon 1 teaspoon of mixture into tarts and garnish with paprika. 4. Bake at 375 degrees F (190 degrees C) for 15 to 20 minutes, or until light brown. These freeze wonderfully. Just reheat before serving.
FOR SASKATCHEWAN WOMEN | VOL. 6 ISSUE 12, DECEMBER 2017
TY APPETIZERS! COCKTAIL MEATBALLS
SPINACH CHEESE BALL
STUFFED MUSHROOMS
10 Servings
8 Servings
6 Servings
INGREDIENTS:
INGREDIENTS:
INGREDIENTS:
• 1 pound lean ground beef 1 egg
• 1 (10 ounce) package frozen chopped spinach, thawed and squeezed dry
• 3 slices bacon
• 2 tablespoons water • 1/2 cup bread crumbs • 3 tablespoons minced onion
• 2 (8 ounce) packages cream cheese, softened
• 1/2 (8 ounce) package cream cheese, softened • 2 tablespoons grated Parmesan cheese
• 1 (4 ounce) can water chestnuts, drained and chopped
• 3 drops Worcestershire sauce
• 1 tablespoon brown sugar
• 1 (.4 ounce) packet dry vegetable soup mix
• 1 pound mushrooms, stems removed
• 1 1/2 teaspoons lemon juice
• 2 tablespoons mayonnaise
• 2 tablespoons grated Parmesan cheese
• 1 cup finely shredded Cheddar cheese
DIRECTIONS:
• 1 (8 ounce) can jellied cranberry sauce • 3/4 cup chili sauce
DIRECTIONS: 1. Preheat oven to 350 degrees F (175 degrees C). 2. In a large bowl, mix together the ground beef, egg, water, bread crumbs, and minced onion. Roll into small meatballs. 3. Bake in preheated oven for 20 to 25 minutes, turning once. 4. In a slow cooker or large saucepan over low heat, blend the cranberry sauce, chili sauce, brown sugar, and lemon juice. Add meatballs, and simmer for 1 hour before serving.
• 1/2 cup chopped walnuts
• 2 dashes ground black pepper
1. Preheat an oven to 350 degrees F (175 degrees C).
DIRECTIONS: 1. In a large bowl, mix together the spinach, cream cheese, water chestnuts, vegetable soup mix, mayonnaise and Cheddar cheese until well blended. Form into a ball, and roll in chopped walnuts. If the mixture is too soft to form a ball, refrigerate for about 30 minutes to set. Wrap the cheese ball in plastic wrap, and refrigerate overnight to blend the flavors before serving with your favorite crackers.
2. Place the bacon in a large, deep skillet and cook over med-high heat, turning occasionally, until crisp and evenly browned, about 10 minutes. Drain the bacon slices on a paper towel-lined plate; crumble the bacon into a bowl. Stir in the cream cheese, 2 tbsp Parmesan cheese, Worcestershire sauce, and pepper until evenly mixed. Spoon the filling into the mushroom caps and place into an 8x8-inch baking dish. Sprinkle with the remaining 2 tbsp of Parmesan cheese. 3. Bake in the preheated oven until the mushrooms are tender and the filling is golden brown, 25 to 30 minutes.
FOR SASKATCHEWAN WOMEN | VOL. 6 ISSUE 12, DECEMBER 2017 | 19
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FOR SASKATCHEWAN WOMEN | VOL. 6 ISSUE 12, DECEMBER 2017
SPIRIT MATTERS by Kelly Green
Surprise everyone on your list by giving them the gift of good taste! Cora gift cards are available in amounts of $25, $50 or in the amount of your choice! Turn your loved ones into breakfast enthusiasts!
Are you a mid years woman aspiring to be an Ageless Sage? Ageless Sages women’s circle ponders the hopes and challenges of midlife: relationships, shifting identities, a quest for meaning and purpose! Rather than a mid-life crisis, we embrace this stage of life as a wake-up call from the Universe and we discover the opportunities available to us as women of a certain age! Own your Superpowers through this Wonder Women’s Wisdom circle as you make new friends, share experiences and wisdom, get creative, play and redefine yourself! Grab your cape and See you in January 2018!
4634 GORDON ROAD, REGINA SK (306) 585 2672 • WWW.CHEZCORA.COM
Kelly Green offers Wonder Woman’s Wisdom circles, Soul-Centered coaching, custom-crafted Rituals and Ceremonies, SoulBeats healing drum Oasis and Living Yoga classes.She aspires to be a ‘cheerleader of the heart’ in all her offerings.
New?
Like New Again?
Ritual Facilitator, Interfaith Minister, Spiritual Life Coach, Yoga Therapist, Owner, Every Day Sacred Centre
For your home and living supplies...
Bring it on!
WITH 3 REGINA LOCATIONS North 655 Albert Street
East 2325 Prince of Wales Drive
#11 - 2700 Montague Street (lower level) Regina SK S4S 0J9 (306) 529-9790 | green.k@sasktel.net www.everydaysacred.ca FOR SASKATCHEWAN WOMEN | VOL. 6 ISSUE 12, DECEMBER 2017 | 21
Popcorn Bar With the holiday party season underway, many of us are thinking about party menus. Are you setting out a dessert table with all your favourite homemade goodies? Maybe going with a potluck this year so everyone can enjoy a big feast without one person doing all the cooking? Or maybe you’re sticking to a sweet & salty snack bar so you have a variety for your guests to snack on. This popcorn bar is the best of both sweet & salty treats – a variety of salty or sweet popcorn flavours mixed with both sweet and salty mix-ins. With no baking required, this snack bar is incredibly easy to set up!
Setting The Scene: Lumberjack plaid is a really popular pattern for parties, décor and clothing this year so I went with a rustic lumberjack look for this snack bar. The background is simply a black foam poster board with a chalkboard sign. I picked up the tablecloth from our local fabric store. No, I don’t sew but no sewing required for a rustic-looking tablecloth! For displaying the popcorns and mix-ins, I used a variety of wooden boxes, metal pails lined with paper bags, apple baskets, wooden cake stands and mason jars. Don’t forget popcorn scoops, tongs and spoons for digging out all those mix-ins. Paper lunch bags work great for guests to fill with their own popcorn creations. 22 |
FOR SASKATCHEWAN WOMEN | VOL. 6 ISSUE 12, DECEMBER 2017
Snacks: First up, popcorn! Here are some tasty ideas you can find at your local grocery store: • movie theatre butter • cheddar • jalapeno cheddar • cheddar & caramel (my favourite combo) • chocolate & caramel • caramel • white cheddar • sea salt Next you’ll want a variety of mix-ins. Here are some delicious ideas: • Smarties or other candy coated chocolates • Rolos or other chocolate caramels like bite-sized Mars • Maltesers • gummy bears • jelly beans • gumdrops • a variety of popcorn salts • melted butter
by Cheryl Kirkness
• melted garlic butter • hot sauce • a fondue pot full of melted chocolate for drizzling over popcorn • parmesan cheese • nuts (be aware of guest allergies before you start your party shopping) • mini peanut butter cups • Bits & Bites • pretzels • mini Oreos • cheezies • raisins, craisins or other dried fruit • chocolate chips • mini marshmallows You could also offer a few pre-made popcorn treats as well like marshmallow or caramel popcorn balls or, one of my favourites, popcorn cake with jujubes or jelly beans! You’ll find my grandma’s recipe on my website: https://www.momsandmunchkins. ca/2012/09/08/popcorn-cake/ I hope your holiday season is full of love, laughter and lots of delicious treats!
www.momsandmunchkins.ca
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