Pink Magazine - Vol. 6 February 2018

FREE MAGAZINE VOL. 7 - ISSUE 2 - FEBRUARY 2018

Patients Helping Patients Kelly Csada FASHION COLUMN

BY MICHELLE STRAWFORD

MOMS & MUNCHKINS

BY CHERYL KIRKNESS

5 THINGS TO DO BEFORE LEAVING ON A HOT HOLIDAY THIS WINTER

BY ASHLYN GEORGE

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FOR SASKATCHEWAN WOMEN | VOL. 7 ISSUE 2, FEBRUARY 2018

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There is no standard answer, since each option has its advantages: There isisis no standard answer, since each option has its advantages: There no standard answer, since each option has advantages: There no standard answer, since each option has itsits advantages:

Pros: pay down mortgage Pros: Pros:pay paydown downmortgage mortgage Pros: pay down mortgage •• •• •• •• •• ••

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Contributions are tax deductible, which saves you money.

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Another thing to keep in mind as you decide is an RRSP Another thing to keep ininin mind asasas you decide isisthat that an RRSP Another thing keep mind you decide isthe that RRSPmake Another thing toto keep mind you decide that anan RRSP directly reduces the amount of taxes you pay in year you directly reduces the amount of taxes you pay in the year you make directly reduces the amount of taxes you pay in the year you make directly reduces the amount of taxes you pay in the year you make aa contribution.

As aa result, most people can expect to receive contribution.

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While sto toto spend this money, there are strategies you can use get an even bigger benefit from your strategies you can use to get an even bigger benefit from your strategies you can use to get an even bigger benefit from your strategies you can use to get an even bigger benefit from your refund cheque. refund cheque. refund cheque. refund cheque.

Contribute to an RRSP and use the tax refund to pay down your Contribute to an RRSP and use the tax refund tototo pay down your Contribute an RRSP and use the tax refund pay down your Contribute toto an RRSP and use the tax refund pay down your mortgage.

This strategy will give you all the advantages associated mortgage.

This strategy will give you all the advantages associated mortgage.

This strategy will give you all the advantages associated mortgage.

This strategy will give you all the advantages associated with paying down your mortgage and investing in an RRSP. with paying down your mortgage and investing ininin an RRSP. with paying down your mortgage and investing RRSP. with paying down your mortgage and investing anan RRSP. Contribute to an RRSP and use the tax refund to contribute more Contribute to an RRSP and use the tax refund to contribute more Contribute RRSPand and usethe thetax tax refund contribute more Contribute toto ananRRSP use refund totocontribute more to your RRSP. This strategy maximizes the long-term compounding toto your RRSP. This strategy maximizes the long-term compounding yourassets RRSP.This Thishelps strategy maximizes thelong-term long-term compounding toRRSP your RRSP. strategy maximizes the compounding of and build a solid capital base to fund your of RRSP assets and helps build a solid capital base to fund your RRSPassets assetsand andhelps helpsbuild builda asolid solidcapital capitalbase basetotofund fundyour your ofofRRSP retirement. retirement. retirement. retirement.

In In the the end, end, choosing choosing the the “right” “right” thing thing to to do do depends depends on on your your theend, end, choosing the“right” “right” thinglong-term dodepends depends onyour your InInthe choosing the thing totodo on particular financial situation and your goals particular financial situation and your long-term goals and and particular financial situation and your long-term goals and particular financial situation and your long-term goals and objectives. objectives. But But don’t don’t lose lose sight sight of of your your retirement. retirement. More More Canadians Canadians objectives.

Butdon’t don’tlose losesight sight yourretirement. retirement.

Morelast Canadians objectives.

But ofofyour More Canadians are living longer.

That means retirement income needs are living longer. That means retirement income needs to to last are living longer.

That means retirement income needs to last are living longer.

That means retirement income needs to last aa long long time time – – 20 20 or or 30 30 years, years, or or even even longer. longer. II can can show show some some a long time – 20 or 30 years, or even longer.

I can show some a long time – 20 or 30 years, or even longer.

I can show some strategies strategies to to you you that that meet meet both both goals. goals. strategiestotoyou youthat thatmeet meetboth bothgoals. goals. strategies “Canadians face more years of saving, “Canadians face more years of saving, work work as as chief chief actuary actuary “Canadiansface facemore moreyears yearsofofsaving, saving,work workasas chiefactuary actuary “Canadians chief increases increases life life expectancy,” expectancy,” Financial Financial Post, Post, April April 16, 16, 2014.

2014. increaseslife lifeexpectancy,” expectancy,”Financial FinancialPost, Post,April April16,16,2014.

2014. increases

Let’s Let’s talk talk about about how how we we can can help help you you create create aa bright bright financial financial future. future.

Let’stalk talk about howwe wecan canhelp help youcreate create bright financial future.

Let’s about you aabright financial future.

Please attend ourhow next informative seminar.

Call or email us to register - limited space is available.

Please attend our next informative seminar. Call or email us to register - limited space is available.

Pleaseattend attendour ournext nextinformative informative seminar.Call Callororemail emailusustotoregister register- -limited limitedspace spaceisisavailable. available.

Please seminar. * * Douglas Douglas Stroud B.Ed. DouglasStroud Stroud**B.Ed. B.Ed. * 306-347-0090 ext 2226 Douglas Stroud B.Ed. Douglas Stroud 306-757-8631 ext 2216 306-757-8631 ext B.Ed. 2216 douglas.stroud@sunlife.com douglas.stroud@sunlife.com 306-757-8631 ext 2216 306-757-8631 ext 2216 douglas.stroud@sunlife.com sunlife.ca/douglas.stroud sunlife.ca/douglas.stroud douglas.stroud@sunlife.com douglas.stroud@sunlife.com sunlife.ca/douglas.stroud 2002 Victoria Avenue, 2220 Willow sunlife.ca/douglas.stroud sunlife.ca/douglas.stroud 2002 VictoriaRoad Avenue, Suite Suite 1200 1200 Regina, SK S4P 0R7 Regina, SK S4V 3A4 2002 Victoria Avenue, Suite1200 1200 2002 Victoria Avenue, Regina, SK S4P 0R7 Suite

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*Mutual funds distributed by Sun Life Financial Investment Services (Canada) Inc. *Mutual funds distributed by of SunCanada Life Financial Investment Sun Life Assurance Company is a member of the Services Sun Life (Canada) Financial Inc. group of companies.

Sun Life Assurance Company of Canada is a2017. member of the Services Sun Life Financial group *Mutual funds distributed Sun Life Financial Investment Services (Canada) Inc. of companies. *Mutual funds distributed byby Sun Life Financial Investment (Canada) Inc. © Sun Life Assurance Company of Canada, © Sun Life Assurance Company of Canada, 2017.

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Angela Oddo*** MBA, MBA, Hon.B.Sc Hon.B.Sc Angela Angela Oddo Oddo *MBA, Hon.B.Sc * Solutions Inc. Fiducia Financial Angela Oddo Angela Oddo MBA, Hon.B.Sc MBA, Hon.B.Sc Fiducia Financial Solutions Inc. Fiducia Financial Solutions Inc. 306-347-0090 ext 2242 306-347-0090 ext 2242 Fiducia Financial Solutions Inc. Fiducia Financial Solutions Inc. 306-347-0090 ext 2242 angela.oddo@sunlife.com angela.oddo@sunlife.com 306-347-0090ext ext2242 2242 306-347-0090 angela.oddo@sunlife.com sunlife.ca/angela.oddo sunlife.ca/angela.oddo angela.oddo@sunlife.com angela.oddo@sunlife.com sunlife.ca/angela.oddo 2220 Willow Road 2220 Willow sunlife.ca/angela.oddo sunlife.ca/angela.oddo 2220 Willow Road Regina, SK S4V 3A4 Regina, SK S4V 3A4 2220Willow WillowRoad Road 2220 Regina, SK S4V 3A4 Regina,SKSKS4V S4V3A4 3A4 Regina,

FOR SASKATCHEWAN WOMEN | VOL. 7 ISSUE 2, FEBRUARY 2018 | 3

Our Team

In this Issue

PUBLISHER James Huber james@getcompass.ca

5 FIVE TIPS TO TURN AN

INTERNSHIP INTO A FULL-TIME JOB

Ashlyn George thelostgirlsguide@gmail.com

6 COVER STORY MANAGING EDITOR & ART DIRECTOR Mustapha Itani moe@getcompass.ca

GRAPHIC DESIGNER & MAGAZINE COORDINATOR Lori Kluge Lori@getcompass.ca

WRITERS Cassandra Grisdale cassandra.grisdale@gmail.com Cheryl Kirkness cheryl@momsandmunchkins.ca

OFFICE MANAGER Leanne Gunderson info@getcompass.ca

ACCOUNT EXECUTIVES Don Hahn (306) 536 8478 don@getcompass.ca Roger MacPherson (306) 537 3559 roger@getcompass.ca Robin Sanders (306) 550 8130 robin@getcompass.ca Amber Curtis (306) 541 4141 amber@getcompass.ca

Kelly Csada

11 HAIR TIPS FOR 2018

By Joy Teach

12 LOOKING TO HIRE A CONTRACTOR? 14 THE LOST GIRL’S GUIDE

TO FINDING THE WORLD

By Ashlyn George

16 #STYLELIVESHERE

Fashion column by Michelle Strawford

18 RECIPE

Holiday party appetizers

18 KIDS STILL LIVING AT HOME?

Joy Tesch joyteschhair@gmail.com

22 TOP 5 DIY PROJECTS

TO HELP YOU LIVE BETTER

Michelle Strawford strawfords@live.ca

23 MOMS AND MUNCHKINS

Copyright 2017: 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.

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FOR SASKATCHEWAN WOMEN | VOL. 7 ISSUE 2, FEBRUARY 2018

By Cheryl Kirkness

845 B McDonald Street, Regina, SK. S4N 2X5 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

FIVE TIPS TO TURN AN INTERNSHIP INTO A FULL-TIME JOB (NC) Landing a permanent position is becoming much tougher in today’s competitive economy. One way for young people to get their foot in the door is an internship, where they learn key skills and experience. If you are or know a recent graduate or student planning on an internship next semester, here are some tips to help them make the most of the position.

3. Set goals. Interns can benefit from meeting with their supervisors during the first few days on the job to chat about what skills they would like to develop and what a successful internship experience looks like.

Regular check-ins for feedback show initiative, drive, and a willingness to improve. That way, even if the internship doesn’t turn into a full-time job in the same company, the supervisor will be sure to provide an excellent reference and can help make connections with other organizations.

4. Network, network, network. Interns who overcome shyness and gain confidence can make tons of valuable connections with peers, mentors and interesting people in any organization. An informational interview, getting coffee with colleagues and participating in company events are all great ways to meet people and make connections.

5. Take a genuine interest in the role. Supervisors know when interns are passionate about the company and position or if someone is simply doing it for a line

1. Try a smaller organization. Smaller and mediumsized companies can often offer interns more responsibilities and opportunities to try out different tasks and departments because of their smaller scale. This, in turn, means that there can be more room to shine, as extra effort is more likely to be noticed by management and top decision-makers in workplaces with fewer employees.

2. Consider international opportunities. Youth with international experience are more likely to be employed later on, making an internship abroad a valuable and exciting option for getting a great job back at home. Future employers will be impressed by the cultural knowledge and professional skills gained through international work. Work permits are generally less expensive, more flexible and processed more quickly under International Experience Canada, a governmentrun program that offers youth a unique opportunity to gain work experience while travelling abroad.

on their resume. Interns can stand out by asking questions, offering to take on additional tasks, and attending optional workshops or seminars to further enrich their experience.

Find more information on work and travel abroad at Canada.ca/IEC.

FOR SASKATCHEWAN WOMEN | VOL. 7 ISSUE 2, FEBRUARY 2018 | 5

Patients Helping Patients Kelly Csada

By Cassandra Grisdale

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FOR SASKATCHEWAN WOMEN | VOL. 7 ISSUE 2, FEBRUARY 2018

Gut-wrenching pain. More than twenty trips to the bathroom in a day. Countless surgeries and hospital stays. Ever-increasing doses of painkillers that rarely worked and had terrible side effects.

This was the reality for Kelly Csada of Regina, Saskatchewan.

She lived with these devastating effects of Crohn’s disease for much of her life. Crohn’s disease causes inflammation of the bowels and digestive tract which can lead to symptoms of diarrhea, weight loss, and severe abdominal pain, among others. Csada explains that her life was consumed by her illness.

She had to make more than twenty trips a day to the washroom and could not function without taking narcotics to manage the pain. She points to a period of twenty-four months, eighteen of which she spent in the hospital, and laments that she feels she missed out on her kids’ childhoods. Csada underwent several surgeries where portions of her bowel were removed in an effort to manage the Crohn’s. Unfortunately, these surgeries brought along complications of their own as she soon had very little of her bowel remaining. This led to a constant struggle to gain and maintain a healthy weight. The narcotics prescribed by medical professionals never seemed to completely take away her pain and each came with its own set of risks and side effects. Csada says she continues to see the negative implications from all of these pharmaceuticals.

After Csada’s struggle to find helpful information and access to medicinal cannabis, she knew she needed to help make this process easier for other patients. This was one of her reasons for opening Kelz. “It took me so long to find the oil and that shouldn’t happen to people who need medicine,” Csada pointed out. “People should be able to have a safe place where they can go to find out how cannabis can help them when nothing else is helping.” Another driving force behind the opening of Csada’s business was that a year earlier she had lost her only son to drug addiction. She was frustrated when he was repeatedly told that he should not take cannabis to help him stop using opiates. Csada’s research and experience has taught her otherwise and she feels that more people need to be educated about this.

After opening her store, education became an essential component to her business. Csada incredulously notes that, “Medicinal cannabis has been legal in Canada since 2002.

How is it that in 2018 some of our people are just finding out about this?” She encourages people to come into the store to learn from the staff about what options are available and what might help them. “My office door is always open and they can close it if they want to,” she says, highlighting that customer privacy and comfort is paramount. Csada also organizes free events that are open to the public. She rents a space and

After years of living this way, Csada was frustrated and had had enough. She began researching alternative treatments for Crohn’s and discovered that many people in her situation had found cannabis to be extremely beneficial. After becoming convinced that she needed to give medicinal cannabis a try, Csada admits that she was nervous. She explained that she was scared to get cannabis off the street because of her medical history. She wanted to know exactly what she was putting in her body. She noted that the number of options and amount of information was overwhelming. At the time she wondered, “Do I have to smoke it? What do I have to do?

Which product? There are so many different things out there.”

Csada informed her doctor of her plan to try cannabis and though he was skeptical, he agreed to give her a few months to test her theories. Csada was able to find a dispensary in Saskatchewan and started using cannabis chocolates and cannabis oil to both treat her symptoms and wean off of the high doses of narcotics her doctor had prescribed. Csada emphasizes that finding the cannabis oil changed her life. She feels better than she’s felt in a long time and has so much more energy.

Enough energy, in fact, to open Kelz in August of 2016. Located in Regina, Kelz is a non-profit corporation that offers medicinal cannabis in a variety of forms to patients with medical prescriptions issued by healthcare professionals. Kelz also hosts educational events for the public and donates some of their time and profit to various community organizations.

FOR SASKATCHEWAN WOMEN | VOL. 7 ISSUE 2, FEBRUARY 2018 | 7

People should be able to have a safe place where they can go to find out how cannabis can help them when nothing else is helping. brings in speakers to educate the public or share their personal journeys with cannabis. These events are one of her favourite aspects of the business and she has also been invited to speak at several events across the country.

One of the first topics of discussion during her education sessions is the endocannabinoid system which is something all human beings are born with. In fact, endocannabinoids occur naturally in breast milk and most people are unaware of this.

The Kelz website defines the endocannabinoid system as a system “...that produces chemicals similar to those found in cannabis. These chemicals pass messages between the brain and the body through your neurons and receptors.” It goes on to explain, “Your endocannabinoid system may not be functioning properly which can lead to many of the symptoms that patients experience as part of their condition. The cannabinoids introduced with medical cannabis (called phytocannabinoids) help to treat those symptoms by supplementing the endocannabinoids normally produced in your body.”

Csada describes that many people who attend her education sessions are surprised to learn that cannabinoids are a natural part of their body already. She feels that this needs to be more common knowledge for the Canadian public.

Csada explains that people are often very uneducated when it comes to the myriad of ways in which someone can ad8 |

FOR SASKATCHEWAN WOMEN | VOL. 7 ISSUE 2, FEBRUARY 2018

minister cannabis. She acknowledges that there is a stigma attached to cannabis and a lot of the general public assumes that the only way to consume it is to smoke it. “But when they realize that they can take CBD [cannabidiol, a chemical produced by the cannabis plant that has no psychoactive effect] - when they can take a tincture or a capsule or eat a small piece of chocolate, it changes things,” Csada emphasizes. “[For] a lot of my elderly patients, the gel capsules are amazing…” She explains that the gel capsules seem similar to most of their other medication and they are able to add them to their pill trays which makes them feel more comfortable and at ease. She illustrates that the options for administering cannabis are numerous by listing methods like lotions, suppositories, e-pens, and even cannabis options for ailing pets.

Csada acknowledges that while she respects the medical professionals and healthcare system for doing their jobs, she also questions some of their methods. “...when they know that something doesn’t work, why keep prescribing and why keep dumping on more narcotics and more narcotics and upping the dose…?” She wants medical professionals to be acutely aware of the possibility of their patient becoming an addict and the long term impact some of these pharmaceuticals could have. She pointed out that when people have anxiety about the kind of effects they might experience from a natural substance like cannabis, they should consider what

some of the pharmaceuticals they have been prescribed are doing to their body and mind or could do in the long term.

Csada also expresses frustration with the scientific research and studies of cannabis that are made public. She said a lot of the research-based evidence points to the risks of cannabis use but the researchers also claim that there is no proof that cannabis helps improve medical conditions. Csada wishes that instead of spending money on researching the negative aspects of cannabis, the money would instead be used to conduct research on the many people who have used cannabis to vastly improve their quality of life.

When asked what the upcoming legalization of recreational marijuana would do for her business, Csada stated firmly that she is still “fighting for the medicinal side.” She believes that the legalization of recreational marijuana has taken the focus off of what she calls “the flawed medical system of cannabis.”

She goes on to explain the barriers facing Canadians who need to use cannabis for medical purposes. “You have to go on a computer, you have to get a prescription from the doctor, you have to send all your paperwork in to Health Canada, you can only order online, [and] you have to have a credit card. It doesn’t matter that we’re in 2018, not all people have these

things, and not all people in their sixties, seventies, and eighties, have learnt these things.” According to Csada, patients who need cannabis for medicinal purposes would not be able to easily make use of the cannabis sold for recreational use.

She likens it to a diabetic person going to a pharmacy with a prescription and being given a bunch of supplies and told to make their own insulin. She continues, “I could purchase, at a recreational store, thirty grams which probably won’t even make me a full one gram syringe of the oil that I ingest. Now how unfair is that? And why should an ill person have to go through anything like that?” Csada also points out that while Veterans Affairs Canada will reimburse veterans who purchase regulated amounts of medicinal cannabis for an existing condition, the general public has to foot the bill themselves. She encourages people to submit claims to their insurance companies in the hopes that the more people do, the more likely it is to prompt a dialogue about the need for medicinal cannabis to be covered. She added that insurance companies are reluctant to cover the cost of cannabis until it has a DIN number (drug identification number) associated with it.

Csada knows she has opened a business in what she refers to as a “grey area.” She has always strived to be as transparent as possible and made it a point to visit the mayor, Regina

City Police, and RCMP, to let them know where her business was located and what she was selling. Despite the uncertainty of her business, Csada’s outlook is an admirable one.

“You know what, whatever happens, I still know I helped so many people change their lives… And when they call me, come here, message me, post anywhere, [or] tell their story to somebody else - that’s going to help more people.” She knows what it is like to miss out on her children’s lives due to illness, so she feels compelled to help others to try and prevent them from experiencing something similar.

Csada, having never run a business, admits that it has been a steep learning curve but she loves what she does. Csada has some words of wisdom for other women entrepreneurs too. “If you find your passion - what you love - then follow your dream. It can happen for anybody.” She is quick to note that age does not matter, pointing to the fact that she started her business at the age of forty-nine with six grandchildren.

“When you find your passion and what you know you’re supposed to do it doesn’t matter your age, just go for it.”

For more information on medicinal cannabis and Kelz:

The Kelz business motto, “patients helping patients,” holds special meaning for Csada. She is open about the fact that she is not a doctor but says, “...I’m a patient and I care about my health and cannabis gave me back quality of life and that’s what I want to help other people do. She emphasizes that her mission is to provide a safe place for other patients to get information and find regulated, quality controlled products.

Address: #140-2410 Dewdney Ave. Regina, SK S4R 1H6 Tel: 306.352.KELZ (5359) website http://www.kelz.ca/ Facebook http://www.facebook.com/KELZ.Medical/ Istagram @kelzmedical

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FOR SASKATCHEWAN WOMEN | VOL. 7 ISSUE 2, FEBRUARY 2018

Hair Tips For 2018

By Joy Tesch from Visions Salon and Spa in Saskatoon

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.

1. Concentrate your conditioner usage on your mid-section and ends of hair. These are the sections of your hair that get the most ware and tare, and also are the sections of your hair that are the weakest.

By avoiding your scalp with conditioner this may also give you another day or two of washing, because your hair will be less greasy.

2. When shampooing your hair, try to massage your scalp. This will promote blood flow and can actually promote hair growth. Stimulating shampoo and conditioners help blood flow to your hair follicles and promote hair growth and preservation.

3. Keep hydrated and drink water. 1/4th of your hair shaft is water. Excessively dry hair is more prone to breakage.

4. Make sure to always use a heat protectant when styling. This will help keep your hair in optimal health when styling. Using heat on raw hair in time will break down the hair cuticle and will make it appear dull and lifeless.

5. Hydrate, hydrate, hydrate! In these cold winter months it’s important to keep your hair moisturised with proper product. Try using hydrating oil or cream, and add a deep conditioner treatment once a week to your routine once a week. Just like your skin in these dry months, your hair needs moisture too!

6. Avoid washing, and heat styling every day.

Daily washing and heat styling can really play a number on your hair after a while.

Most breakage occurs when your hair is wet. Hair has the most elasticity when its wet, which means it’s the most fragile then so by washing and styling everyday its more susceptible to breakage.

7. When combing your hair after a shower, make sure to detangle with ease. Start from the bottom and work your way up.

Try using a wide tooth comb, paddle brush or wet brush. These types of brushes are the most gentle on your hair.

8. When you have greys or your roots showing, try to do a messy part oppose to a perfect one. This will give you more volume and will make your roots less noticeable. Try back combing or using a dry shampoo or powder volumizer to give you more lift as well.

9. Start using a shampoo and conditioner that doesn’t contain sulphates or parabens.

Sulphates are heavy detergents that can strip your hair of color and natural oils.

Parabens are preservatives that can be used in beauty products and studies have linked it to breast cancer. Read your products labels! Ingredients in your beauty products are used daily and are absorbed into your blood stream. This can directly affect your health. Invest in what you use.

10. Brush your hair before you shower and wash your hair. This will make the washing process easier. Also we lose hair during the washing process, and guess where it goes? Down the drain!

To avoid drain clogs, pre comb your hair.

FOR SASKATCHEWAN WOMEN | VOL. 7 ISSUE 2, FEBRUARY 2018 | 11

BE ALERT PROMOTING ETHICAL BUSINESS STANDARDS

BY PROVIDING THE FOLLOWING SERVICES: • Scam releases and reporting

• Pre-purchase inquiries

• Complaint registration

• Mediation

• Marketplace networking

• Arbitration

• Consumer & business education

WHAT TO WATCH FOR THIS MONTH BROUGHT TO YOU BY THE BETTER BUSINESS BUREAU

LOOKING TO HIRE A CONTRACTOR? BEWARE OF SCAMS. WHO IS MOST SUSCEPTIBLE TO THIS TYPE OF SCAM? MEN AGED 55 - 67. MEDIAN LOSS WAS $1,905 CAD. LEARN MORE ABOUT THE SCAM RISK INDEX AT BBB.ORG.

Use caution when hiring a home improvement contractor.

Scams abound, especially following a major storm, flood, or other weather event when many homeowners are trying to repair their houses. But contractor scams can happen any time, so be wary of highpressure sales tactics, up front fees, and fly-by-night businesses. Con artists will take homeowners’ money and deliver slipshod work… or no work at all.

How the Scam Works Home improvement scams can start with a knock on the door, a flyer, or an ad. The contractor may offer a low price or a short timeframe. One common hook is when the scammer claims to be working in your neighborhood on another project and has leftover supplies.

Once started, a rogue contractor may “find” issues that significantly raise the price. If you object, they threaten to walk away and leave a half-finished project. Or they may accept your upfront deposit and then never return to do the job. Following a natural disaster, scammers persuade homeowners to sign over their insurance payment.

Tips to Spot this Scam Watch out for “red flags.” Say no to cash-only deals, highpressure sales tactics, high upfront payments, handshake deals without a contract, and on-site inspections. Not all “storm chasers” are con artists, but enough are that you should be cautious any time a home contractor contacts you first…especially after a natural disaster.

Ask for references and check them out. Bad contractors will be reluctant to share this information and scammers won’t wait for you to do your homework. Check them out at bbb.org to see what other customers have experienced.

And always be sure to get a written contract with the price, materials and timeline. The more detail, the better.

Know the law. Work with local businesses that have proper identification, licensing and insurance. Confirm that your vendor will get related permits and make sure you know who is responsible for what according to your local laws and that your vendor is ready to comply.

Brought to you by the Better Business Bureau • bbb.org/sask 12 |

FOR SASKATCHEWAN WOMEN | VOL. 7 ISSUE 2, FEBRUARY 2018

How Can I Stay on Track for Retirement?

Living paycheque to paycheque? Unexpected expenses regularly throwing your retirement savings goals off-track? This is a good time to schedule a financial planning checkup with a financial advisor.

The key to staying on track for retirement is having a plan. And, contrary to what you may think, developing a pro-active plan is just as important (perhaps more) when money is tight than when it’s not.

A good wealth-building plan is one that not only structures investments positioned for growth but also engages in sound financial planning that takes into account your current income and likely future needs.

Whether you are just starting out in your career or nearing retirement age, a proactive financial plan needs to be created, monitored and maintained to help you develop the consistency and discipline needed to achieve your financial goals.

So, how can a plan get you back on-track?

First, working with a professional financial advisor will enable you to assess where you are today, financially speaking. Many investors think they can do this on their own, but, unfortunately, that’s not always the case. Reviewing your current financial position with an advisor will help uncover any gaps and issues.

Important questions include: What are my current assets, including my investments and home?

How much do I owe?

What are my current monthly expenses?

How much am I saving each month?

Do I have the appropriate amount of insurance?

Next, your advisor and you will talk about your future financial needs, including how much money you may need in retirement. Your plan may also involve developing strategies to improve your savings outlook and uncover any untapped opportunities, such as: Catching up on unused RRSP room Taking advantage of income splitting with a lower-earning spouse Maximizing TFSA contributions Moving PMS non-registered 5535 investments to a TFSA Adjusting your asset allocation or investment mix in accordance with risk tolerance Most importantly, remember that a financial advisor is there to help you, and not to judge what you have or haven’t accomplished financially. To create your own customized investment strategy, speak with a financial advisor and start taking some small steps to greater savings toward your retirement or other life goals.

Edward Jones, Member – Canadian Investor Protection Fund.

In Quebec, Financial Advisors are known as Investment Advisors.

Black Insurance and annuities are offered by Edward Jones Insurance Agency (except in Quebec). In Quebec, insurance and annuities are offered by Edward Jones Insurance Agency (Quebec) Inc. Asset allocation does not guarantee a profit or protect against loss.

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

Conquer the Clutter

Getting rid of the clutter would eliminate 40 percent of housework in the average home.

-National Soap and Detergent Association

Re-claim space, time and relationships Call now for a free phone consult.

Bev Chandler Professional Organizer Call, text or email 306-536-8844 b.chandler@ccorganizing.ca • www.ccorganizing.ca

PMS 5535 Supported by:

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. 7 ISSUE 2, FEBRUARY 2018 | 13

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.

As well as on her social media channels: • Facebook.com/thelostgirlsguide • Instagram: @thelostgirlsguide • Twitter: @lostgirlsguide

14 |

5 Things To Do Before Leaving on a Hot Holiday This Winter Many people plan and prepare for activities on their next holiday.

But there are several important things to take care of before stepping foot on an airplane. Here are five important tasks to complete before jetting off to warmer destinations this winter.

1. Buy Travel Insurance If you can’t afford travel insurance, you can’t afford to travel. A year ago, I saved myself nearly $5000 on three claims while on the road because of insurance.

It costs less than you expect and pays off if something were to ever happen while travelling. Make sure to read all the fine print on the insurance policy to guarantee you have the exact type of coverage you need. (I have had three insurance policies cover me at one time to guarantee all my outdoor adventure activities would be covered.)

FOR SASKATCHEWAN WOMEN | VOL. 7 ISSUE 2, FEBRUARY 2018

2. Check Your Passport Expiry Date Many countries require your passport to be valid for six months beyond your date of travel. Other countries require there to be more than one blank page in your passport for visas or stamps. I had to get a last-minute (and expensive) rush on a new passport before my trip to Africa because I only had a page and a half left. This wasn’t enough to guarantee my entrance into the half a dozen countries I was planning to visit.

4. Get all Necessary Vaccinations Dukoral. TwinRix. Malaria, yellow fever and rabies. Do you need any or all of these vaccinations and medications before you go?

Make an appointment with an international travel clinic to discuss what’s right or necessary before you travel. Some countries like India and Indonesia won’t let you in if you don’t have yellow fever vaccination proof with your passport (and are travelling in from an area with known cases of yellow fever.)

3. Copy all Documents Make print copies of all important documents: credit cards, debit cards, itineraries, health and travel insurance policies as well as your passport. E-mail a copy to yourself so you always have digital access to it. Then leave a copy with a trusted friend or family member at home. If something happens abroad, they’ll have access to all the necessary information which can help make accidents or mishaps easier to deal with.

5. Look After Your Home Ask a friend or family member to check on your house or apartment while away. They can water your plants, look after your pets and make sure your home is safe and secure. This is particularly important during the winter season in the event a pipe freezes or bursts. But mostly, it’s just for peace of mind while relaxing on your holiday.

FOR SASKATCHEWAN WOMEN | VOL. 7 ISSUE 2, FEBRUARY 2018 | 15

#STYLELIVESHERE CELEBRATING BABES!

By Michelle Strawford “Founded in early 2014, BRUNETTE the Label is a clothing brand based in Vancouver, BC Canada. All products are passionately designed in Canada, by the babes at Brunette Headquarters. They believe the word BABE to be a way of life, and strive to create a community that is

inclusive of all babes. Inspiring, elevating, strengthening each other to be the best version of themselves.”, brunettethelabel. com They put it best by leading with the hashtag “#WEAREALLBABES” The brands core collection features classic crews, tees and tanks featuring the likes of “BLONDES”, “BRUNETTES” and “REDHEADS” to “BOSS BABE”, “BABES SUPPORTING BABES” and the ever favorite “The Wine Is Making Me Awesome”. We just love BRUNETTE the Label’s trendy styled clothing collection featuring fabulous jackets, sweaters, dresses, skirts and leggings. Then there is their perfect-to-gift accessories including mugs and water bottles touting our favorite quotes “I Definitely Did Not Wake Up Like This”, “COFFEE NOW please”, “Rosé

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: 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. 7 ISSUE 2, FEBRUARY 2018

Okay” to “I Need A Coffee The Size Of My My A** | But Bigger!”!

The Bella Chic team all have a closet full of the BRUNETTE the Label brand! We love what they stand for and their style is perfection.

You do not need to look far to find the best in all things BRUNETTE the Label.

Shop Bella Chic online at www.bellachic.ca.

Also visit Bella Chic in our store at 5P South Plains Rd West, Emerald Park. Now 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 BRUNETTE the Label

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).

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

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.

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.

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FOR SASKATCHEWAN WOMEN | VOL. 7 ISSUE 2, FEBRUARY 2018 | 17

BEEF TENDERLOIN IN MUSHROOM SAUCE

PARMESAN-ROASTED POTATOES

DREAMY MINI CHEESECAKES

INGREDIENTS:

INGREDIENTS:

INGREDIENTS:

• 4 tbsp. butter, divided • 1 tsp. canola oil • 2 beef tenderloin steaks (4 oz. each) • 1 c. sliced fresh mushrooms • 1 tbsp. chopped green onion

• 1 tbsp. all-purpose flour • 1/8 tsp. salt • Dash pepper • 2/3 c. chicken or beef broth • 1/8 tsp. browning sauce, optional

DIRECTIONS: 1. In a large skillet, heat 2 tbsp. butter and oil over medium-high heat; cook steaks to desired doneness (for medium-rare, a thermometer should read 135°; medium, 140°), 5-6 minutes per side. Remove from pan, reserving drippings; keep warm.

2. In same pan, heat drippings and remaining butter over medium-high heat; saute mushrooms and green onion until tender.

Stir in flour, salt and pepper until blended; gradually stir in broth and, if desired, browning sauce. Bring to a boil, stirring constantly; cook and stir until thickened, 1-2 minutes. Serve with steaks.

• 3 lbs baby potatoes, halved • ½ c. olive oil • Kosher salt and freshly ground black pepper • 4 oz. finely grated Parmesan

• ¾ c. chopped fresh flat-leaf parsley • 1 tsp. finely grated lemon zest • 1 tbsp. fresh lemon juice • 1 tsp. crushed red pepper flakes

• 1/4 tsp Pure Almond Extract • 8 drops Red Food Color • 8 vanilla wafers

DIRECTIONS:

DIRECTIONS:

Preheat the oven to 325°F.

Preheat the oven to 400°F. 1. Place a rack in upper third of oven 2. Toss potatoes and oil in a large bowl; season with salt and pepper. Place potatoes, cut side up, on a wire rack set inside a rimmed baking sheet; reserve bowl. Roast until golden brown and cooked through, 30–35 minutes.

3. Transfer to bowl; toss with Parmesan.

Return potatoes to rack and roast until Parmesan is brown and crisp, 10–12 minutes.

4. Toss potatoes in same bowl with parsley, lemon juice, and red pepper flakes. Top with lemon zest just before serving.

1. Beat cream cheese and sugar in large bowl with electric mixer on medium speed until light and fluffy. Add egg, extracts and food color; mix well.

Dinner for 18 |

• 1 package (8 ounces) cream cheese, softened • 1/3 c. sugar • 1 egg • 1 tsp Pure Vanilla Extract

FOR SASKATCHEWAN WOMEN | VOL. 7 ISSUE 2, FEBRUARY 2018

2. Line 8 muffin cups with paper baking cups. Place a wafer in bottom of each muffin cup. Spoon batter into each cup, filling each 1/2 full.

2

3. Bake 20 minutes or until edges are lightly browned. Cool in pan on wire rack.

4. Refrigerate 4 hours to overnight.

HERB-ROASTED CHICKEN

ROASTED VEGETABLES

RASPBERRY MOLTON CAKES

INGREDIENTS:

INGREDIENTS:

INGREDIENTS:

• 1 - 4lb roasting chicken • 4 tbsp butter • 3 tbsp herbs de Provence

• few springs of fresh herbs (thyme, rosemary, lavender) • salt

DIRECTIONS: Preheat the oven to 400°F. 1. Wash chicken with cold water. Pat dry and place in a heavy bottomed roasting pan along with any veggies along the sides.

2. Rub the chicken all over with butter.

3. Tie drumsticks together with kitchen twine.

4. Sprinkle the herbs de provence evenly and season with salt.

5. Place a few springs of fresh herbs in the cavity of the bird.

6. Bake until the bird is cooked & juices run clear, about 1 1/4 hours, basting periodically. Let sit for 5 min. before carving.

• 1 lb mushrooms cleaned • 2 c. cauliflower cut into small florets • 2 c. cocktail tomatoes • 12 cloves garlic peeled

• 2 tbsp olive oil • 1 tbsp Italian seasoning • salt and pepper to taste • 1 tbsp fresh parsley chopped

DIRECTIONS:

• 2 eggs • 1 egg yolk • 6 tbsp. flour • 1/2 c. frozen raspberries • 1 tbsp. honey • 1/2 tsp. raspberry extract • fresh raspberries • mint leaves

DIRECTIONS:

Preheat the oven to 400°F. 1. In a bowl add all the mushrooms and veggies. Drizzle with olive oil then add Italian seasoning, salt, pepper and toss until well combined.

2. Dump the veggies to a baking sheet and place in the preheat oven. Roast for 20 to 30 minutes or until mushrooms are golden brown and cauliflower is fork tender.

3. Garnish with fresh parsley before serving.

CUPID’S CUP INGREDIENTS: • 2 oz. Vodka • 1 oz. St. Germain • 3/4 oz. Fresh lemon juice • 1/4 oz. Simple syrup

• 4 oz. chocolate, chopped • 1/2 c. unsalted butter • 3 tsp. raspberry extract • 1 tsp. vanilla extract • 1 c powdered sugar

• 1 oz. Muddled strawberry • Top with Martini sparkling rosé • Garnish with a strawberry

DIRECTIONS: 1. Shake first 5 ingredients with ice and strain into a mason or highball glass filled with ice. Top with Martini sparkling rosé and garnish.

Preheat the oven to 425°F. 1. Spray four 7 ounce ramekins with baking cooking spray and place on a baking sheet. Set aside.

2. In a 4 cup microwave safe bowl, microwave the chocolate and butter together for 1 minute. Stir until the chocolate is melted.

3. Whisk in the raspberry and vanilla extracts.

4. Whisk in the powdered sugar.

5. Whisk in the eggs and egg yolk.

6. Stir in the flour until just combined.

7. Pour evenly into the ramekins, filling about 2/3rds full.

8. Bake for 10-14 minutes until the sides are firm but the middle is soft.

9. Meanwhile, microwave the frozen raspberries and honey for 30 seconds (may need longer) until the raspberries are thawed and fall apart when stirred. Stir in the 1/2 teaspoon raspberry extract. Set aside.

10. Allow them to cool for 1 minute before flipping out onto a plate.

11. Top with raspberry syrup, fresh raspberries and mint leaves as garnish.

Serve immediately.

FOR SASKATCHEWAN WOMEN | VOL. 7 ISSUE 2, FEBRUARY 2018 | 19

KIDS STILL LIVING AT HOME? HELP THEM TAKE THE NEXT STEP. (NC) Between a competitive economy and an expensive housing market, today’s young people are staying in the nest longer than ever before. In fact, more than a third of Canadian young adults live with their parents rather than alone or with a spouse or partner in their own household.

Set clear house rules. You want to be your children’s parent, not their roommate. Set boundaries and responsibilities that help them understand exactly what goes into running a household, which will prepare them for when they do leave the nest. Decide who will purchase the groceries each week, set curfews and quiet hours, and establish what they need to do to contribute to certain expenses such as the Internet bill. Beyond doing their own laundry, make sure your kids are contributing to chores that benefit everyone in the household, like preparing dinner, shoveling snow or making repairs.

Encourage a working holiday or internship. Travelling and working abroad can help your child become more independent and confident while gaining international work experience that can be very valuable when they come back and start job hunting. A great resource to obtain work permits quicker and easier is International Experience Canada, a government program that allows youth ages 18 to 35 to travel and work abroad for up to two years in one of more than 30 partner countries and territories.

While this trend can offer certain benefits to parents and kids living under the same roof, there are positive ways you can encourage your children to take the next step in their lives and careers. Here are some ideas for parents of kids in post-secondary and beyond.

Create a realistic plan. Work together to set key goals and milestones that are achievable. For example, if their goal is to find a job, strategize on how to get the ball rolling. Career counselling available on campus or information interviews with professionals in their field are great places to start. If your son or daughter is hoping to move out, help him or her establish a budget and find ways to meet it. Even while still in university or college, a part-time job or on-campus research position can help.

20 |

FOR SASKATCHEWAN WOMEN | VOL. 7 ISSUE 2, FEBRUARY 2018

Find more information on work and travel abroad at Canada.ca/IEC.

SPIRIT MATTERS

by Kelly Green

Let Rituals & Ceremonies Bring Meaning to Your Life!

If you have ever attended a wedding,celebrated a birthday, buried a pet or marked a change of season, then you have been part of a ritual.

Ceremonies and rituals are ways to recognize life’s cycles, passages and transitions both large and small. Powerful rituals allow us to observe and find meaning in the special events of our life and they can assist us with change, transformation and achieving a specific outcome. We can all perform ritual but sometimes we require a professional to create a ceremony with meaning and heart with or for us!

New? Like New Again?

It has been my pleasure to create ceremonies and rituals with meaning and purpose such as weddings, uncouplings, retirement, memorials, mid life, seasonal celebrations, healing,pet memorials,home and business blessings, child and family rituals, and many others. Your beliefs, needs and values are priorities so that the ritual creation becomes a transformational experience and a true reflection of you!

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Ritual Facilitator, Interfaith Minister, Spiritual Life Coach, Yoga Therapist, Owner, Every Day Sacred Centre

JUST SEND US YOUR INFORMATION AND WE WILL DESIGN IT FOR FREE CALL US TODAY (306) 585 2064 • INFO@GETCOMPASS.CA 845 B MCDONALD STREET, REGINA, SK TO MAKE YOUR ORDER getcompas s.ca getcompass.ca getcompass.ca ass.ca a getcomp pass.c getcom

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#11 - 2700 Montague Street (lower level) Regina SK S4S 0J9 (306) 529-9790 | green.k@sasktel.net www.everydaysacred.ca FOR SASKATCHEWAN WOMEN | VOL. 7 ISSUE 2, FEBRUARY 2018 | 21

TOP 5 DIY PROJECTS TO HELP YOU LIVE BETTER (NC) Household chores and endless projects can seem like a thankless job, but regular home maintenance is important to ensure your home’s safety, comfort and long-term durability. If your to-do list is ever growing, there’s no need to feel overwhelmed. Focus on this list of must-tackle jobs to not only improve your home, but your daily living, as well.

Insulate well. Ensuring your home is well insulated will improve your comfort, while saving you money by keeping heating and cooling costs in check. The right insulation –– ideally a non-combustible, inorganic product –– can also improve your home’s fire safety and air quality.

A dense insulation with non-directional fibre composition will also help control sound for a more peaceful space overall.

Many contractors recommend Rockwool stone wool insulation, like Comfortbatt and Safe ‘n’ Sound.

Both resist fire up to 1,177˚C and, because they repel moisture, aren’t susceptible to mould, mildew or rot. They also offer excellent sound absorption and are easy to install.

Add storage. This is an easy DIY project that can tremendously improve the way your home functions. Builtin’s are especially popular because they can create an impressive focal point. Assembling store-bought units can also work with a tight budget. Ultimately, the goal is to give everything a place and to decrease clutter.

22 |

FOR SASKATCHEWAN WOMEN | VOL. 7 ISSUE 2, FEBRUARY 2018

Paint. It’s amazing how transformative paint can be.

It can completely alter the way you feel about your home, creating an instant refresh and a foundation to anchor other updates.

Establish “me” space. Consider your interests and hobbies, then work on creating a special place in your home where you can truly relax or unwind. Whether this means turning your bathroom into a spa-like oasis with some new tile or fixtures or creating a recreational retreat, having a room that helps you recharge is great for your mental health.

Extend your living space. This doesn’t have to mean an expensive addition.

Consider simple improvements like refinishing unused areas of your home, like the basement, or re-purposing existing space, like a cluttered storage or laundry room that causes you stress. You might also bring an indoor feel to your outdoor space by building a patio or deck with comfortable seating and lighting to create somewhere that you can rest or entertain.

Ultimately, home improvements that help you live better can seemingly provide double the return. The ROI can be measured in enjoyment, as well as equity.

Rolo Pretzel Fudge How many of you are sticking to your New Year’s resolutions to eat healthier and exercise more? I’ve been doing pretty well for exercising daily for the past year but my diet could use some work. I always start with one small treat thinking “everything in moderation” but then before I know it I’m looking at an empty cookie jar wondering where they all went. If you have trouble with the moderation of sweets, you may want to find a friend to share this Rolo Pretzel Fudge with. I never have a tough time finding volunteers to help me eat all this party baking.

Ingredients: 2.5 cups semi-sweet chocolate chips 1 can (300ml) sweetened condensed milk 1 jar (7.5 oz) marshmallow fluff 1 teaspoon vanilla extract 3 cups mini Rolos 1 cup broken pretzel sticks Directions: 1. In a large pot on the stovetop, melt chocolate and condensed milk together over medium heat. Stir constantly until smooth.

2. Stir in marshmallow fluff just until smooth.

Remove from heat.

3. Add in vanilla extract and stir well to mix.

4. Stir in 2 cups of mini Rolos until melted.

Put the other 1 cup of mini Rolos aside for now.

5. Stir in broken pretzel pieces until well mixed.

6. Line a 9” x 9” baking pan with parchment paper.

7. Pour fudge evenly into prepared pan.

8. Press remaining 1 cup of mini Rolos into the top of the fudge.

9. Let fudge set in the refrigerator for at least 2 hours before cutting into small squares.

Store in a sealable plastic food storage bag in the fridge.

by Cheryl Kirkness

www.momsandmunchkins.ca FOR SASKATCHEWAN WOMEN | VOL. 7 ISSUE 2, FEBRUARY 2018 | 23

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