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ELGIN THIS MONTH
March, 2013
Things are looking up in St. Thomas
EDC facts and figures back up this claim
by Terry Carroll
Sean Dyke and Dennis Broome know that there are certain perceptions floating around about the state of the recovery in St. Thomas. And they are doing their best to overcome any misconceptions that may be out there. The two men are very committed to economic development for the city. Sean is the acting manager for the St. Thomas Economic Development Corporation (EDC), and Dennis is president of its Board of Directors. The corporation is an independent body, funded by the City of St. Thomas with a portion of its budget coming from the Municipality of Central Elgin. It’s no secret that the city was hit hard with the closing of plants in this immediate area, including Sterling, Ford and Lear. Less well known is the fact that some 1,000 jobs were created in 2011, the latest year for which data is currently available, with a net gain of 600. And Sean says the 2012 figures may even surpass that. Dennis points out that this downturn has not been as severe as the 1991 to 1995 timeframe when the St. Thomas economic sector seemed completely devastated – and the Railway City came back from that. With recent success stories such as Masco centralizing its operations in St. Thomas, and Forest City Castings taking over the Lear plant, he thinks St. Thomas is on a bit of a roll. “Our mandate is to create jobs in the City of St. Thomas,” Dennis says. “Whether it’s space or land, we will help.” The St. Thomas Economic Development Corporation’s mandate includes anything they can do to assist industrial or commercial clients locate here, or help them grow their businesses if they are already located in the City. Takumi Stamping, for example, has added to its location in the Highbury industrial park and is up to 200 employees. Messenger Delivery occupies another large building in that park. “We have parcels available from two acres to 80 acres,” Sean says.
Dennis Broome
Elgin This Month General Manager Terry Carroll Section Editor Business Beat – Bob Hammersley
Dennis Broome says that St. Thomas actually grew during the recession. “We’re building about 150 houses a year, and the real estate market has been great.” The population of the city has increased by about 13 per cent over the last 10 years. With a budget of over $300,000, EDC focuses on advanced manufacturing, food processing, green energy and entrepreneurship, and representatives attend shows and events with an eye to these categories. Trips in the near future are planned for both Japan and South Korea. (More about this below). EDC occasionally is criticized for continuing to focus on automotive, but Sean points to employers such as the two Magna plants, the tool and die shops and others as evidence for its continuing importance for this area. He points out that, while automotive manufacturing has its cycles, these tend to be long cycles. “I’ll take 15 years of good employment any day,” he says. The corporation works with many local partners, but is careful not to duplicate the work of organizations such as the Chamber of Commerce, the Downtown Development Board or the Elgin Business Resource Centre. As part of its mandate, the EDC participates in trade shows, both nationally and abroad. This year, St. Thomas representatives are flying to Japan. In part, the Japan trip was inspired by what Dennis calls “the fabulous rapport we have with Takumi, one of the companies that will be hosting us in Japan.” The cost of these shows and trade junkets is deferred through the partnerships EDC cultivates, and their value is enhanced by such relationships. For example, by working with the Southwestern Ontario Manufacturing Alliance (SOMA), EDC and other members are able to leverage up to half a million dollars in direct marketing value for a $30,000 investment. Economic results sometimes are slow to come and difficult to measure. It may take two to three years from the point of first contact for an industrial or commercial enterprise to locate in the city or the immediate area. But EDC moves things along as fast as possible. Representatives were able to assist Takumi, for example, to obtain a building permit in less than five days. What can local business people do to help? Business owners or managers assist directly by sitting on the volunteer Board of Directors, and some are very involved. (Dennis is one, in his role as president). But Sean and Dennis agree that every time a business person tells another business person or a member of the public why he or she is proud to have a business located in St. Thomas or Central Elgin – and why they personally like it here – something positive happens for the local economy.
Sean Dyke
Graphic Design / Production Jim McHarg Sales Representative Greg Minnema Office Manager Laura Bart
Elgin This Month is a monthly magazine focusing on business and lifestyle issues and includes Business Beat, the St. Thomas & District Chamber of Commerce newsletter. The publication is available for pickup at no charge at news stands and other locations around Elgin County, as well as distribution to businesses and selected households.
Published monthly by Metroland Media Group Ltd., 15 St. Catharine Street, St. Thomas, ON N5P 2V7 519-633-1640 www.theweeklynews.ca/etm March, 2013
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INNES As I See It
Pass the puck
Hockey swells romantically in the hearts of young players by Jim Innes Stephen Leacock wrote “hockey captures the essence of Canadian experience.” How true. It’s endured for so long it’s become a part of us. The first, press-recorded, Canadian hockey game was on March 3, 1875 at the Victoria Rink in Montreal. This was long after formal game rules had been created and arenas (indoor and outdoor) had been constructed and played on regularly. In 1886, the Amateur Hockey Association of Canada was founded and in 1892, Lord Stanley donated the Stanley Cup to commemorate the league champions. The first team to win it was the Montreal Hockey Club. The place where the first game was played is in dispute. Was it Montreal, Halifax, Windsor (Nova Scotia), Kingston (Ontario), or perhaps in Great Bear Lake, (where an Arctic explorer referenced a game played in 1825)? Wherever it was, and whenever it was, hockey has thrived in our country and it swells romantically in the hearts of our young players. It’s not just the game but the game 4
surface that has become a part of our Canadian heritage. Many older arenas, like the Memorial arena here in town, have a reverent feel to them. One other such remnant is the Stannus Street Rink in Windsor, Nova Scotia, built in 1800. It remains as Canada’s oldest standing game surface. It has been my experience that in these temple-like spaces, history is suspended poignantly. The cold air is warmed by friendly familiarity; like a Tim’s coffee on a chilly morning. These places just feel right. Another game surface, known well by us Canucks, is the outdoor ice pad. Frozen ponds and backyard rinks have become poetic images and serve well in the early formation of skating and stick handling skills. Much has come to pass around these splendid settings. My father and I spent many cold late nights flooding our small community’s open air arena (a horse showground in the summer). Despite my enthusiasm, it was a miserable task. I was often frozen stiff from the flood’s back spray. What kept me from marching home irritable was the smell of hot chocolate and burnELGIN THIS MONTH
ing maple coming from the iron-cast stove in the club house. I can also remember how often my sister and I would argue over the amount of ice we shared – whether at the horse arena or in a nearby pond. I wanted space for my buds and I to play hockey and she, often alone or with just one or two friends, wanted to just skate (without getting hit by a puck). Can you imagine her nerve? How wrong eh? And I will not forget that no matter how much ice time or ice surface I fought to get I was always (somehow) stuck shoveling off the day’s snowfall. This year’s winter hockey is winding down. The minor hockey playdowns are in full swing, the Juniors are traveling far and wide, and soon the NHL playoffs will begin. It really is a never-ending sport and once winter leagues are finished, the spring ones begin . . . and then the summer . . . and then the fall prep for winter. So, “all aboard,” my father (a former rail man) was prone to say, “and if you can’t get a board get a plank.” I’m not sure what that really means, but it, like hockey, just feels right. March, 2013
BUSINESS & COMMUNITY Leadership by Shane Wyler We all make decisions every day that not only affect us but others. We would be surprised, I’m sure, to find out how one decision here has effected many people there. People that we don’t even know. So how then do we make decisions responsibly? Today let’s explore a responsible decision making process with my usual seven question style. Question 1: How do you make decisions? There are several key elements in analyzing how you make decisions. 1. Your Anchor 2. Your Intention 3. Your Measurable With this we can create an acronym. “AIM.” Where are you AIMing? Where are you anchored, intentioned and measured? Question 2: What is your anchor? What are you anchoring your decisions in? Here, I would suggest that you go back to your vision. Following up last month’s article, your vision is the anchor from which all decisions be made. As you begin to make your decisions from here, you will recognize whether your vision holds true to the heart of your organization and the reason you exist. Question 3: What is your intention? To look at your vision and get clear on what you are intending to do allows you to be open and honest in your intentions. As you clarify your commitments, transparency becomes easier and easier as you know exactly what you are AIMed at, and why you are AIMed there. This is a great opportunity to measure whether your intentions are lining up with what you said you are all about. This step alone will strengthen your integrity as you align your intention with your word.
Where are you AIMing? The truth about decisions
Question 4: How do you measure your decision making? In measuring your decisions, you will be able to accurately assess your commitment level to your intentions and how well you are anchored in your vision. To measure your decisions look to your processes and systems. Are they effectively and efficiently allowing and empowering you to realize your vision and therefore the value you are to those you serve?
Question 5: Who makes the decisions? This is an important question. By recognizing who actually makes the decisions and how they make them, you will save yourself and those around you much heartache in the long run. In answering this ques-
tion, you may realize that although you thought it was you, in actuality, it is someone else. Question 6: Why them? In the best cases, a combination of people work together, anchored in the vision, making the decisions they are skilled at and equipped to make. This requires an open and honest team. Question 7: How does customer/client feedback affect your decision making? Here is a bold statement. The customer isn’t always right. We all know this, but have built our businesses and organizations on the lie that the customer is always right. Here is why we, as consumers, are not always right. We all want what we don’t need and we all need what we don’t want. To be a true support to those you serve, there will be times that this hard conversation needs to be had. It can be very simple, however. This level of honesty will go a long way. Sure, it may be awkward at first, but in the end, if the person truly wants their need met, they will thank you for caring to be honest. To be truly effective in this, you need to have a process that helps you get to the need of those you serve. If your vision is anchored in the need of those you serve, then the decision-making process can become clear and simple. This doesn’t mean it will be easy, as risk is always involved, but it will be simple. Thanks again for the opportunity to continue to clarify your direction, empowering you to make the right decisions for those both in and
Shane Wyler, CEO of Seven, clarifies your direction by asking the right questions.
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5
BUSINESS & COMMUNITY Technology
Think your business is only local?
by Peter Atkinson
Having spent a lot of time in a different city over the past few weeks, it’s given me a new perspective on how local organizations can use the Internet. Whether finding the closest Tim Horton’s, a new home or a place to eat, getting the information I needed online did two things; it reduced my stress, and it made me spend my money on the place that provided me with the most information. Now, in some communities in Elgin County, the idea of an online presence might not be as vital. But there’s still plenty to be gained using ‘the Local Internet’ to build local connections. This isn’t just for businesses; one recent study showed that people who’d received regular emails from not-for-profits averaged 30 per cent higher donations. I think the most important reason for having a strong local presence is the most basic. If you aren’t telling your story, somebody else probably is. So unless you trust that everyone will know your hours and your pric-
ing strategy and the key role your organization plays in the community, you might want to get that information out there yourself. Location-based sites like Foursquare, Yelp, Google Places and even YellowPages.ca are all opportunities for organizations to get their information in front of current and future customers. And more and more, that information is being accessed everywhere, like, say, in a car full of tourists looking for a bite to eat and a place to shop. Facebook, free to use and with data on local users, has to be part of any company’s online strategy and many local organizations are using it well. The key is always content: useful, timely, relevant content. Because online, you don’t sell first. You share – photos and videos, brochures and menus and news about your business. That builds the connections that lead to the loyalty that leads to the sale. There are useful tools that are free, offer a 30-day free trial or are free while in they’re in testing phase. Hootsuite, Post Rocket, Crowdbooster and
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Edgekick are just some of the websites to help make your Facebook efforts simpler and more effective. The local businesses and organizations that are using Facebook really well are putting out a clear brand ‘personality.’ These groups understand the power of being able to connect with customers for free and with their permission. So a new equipment purchase becomes a chance to show why your shop is the best – or to help people understand the value they’re getting for higher prices. Photos of maintenance tasks show the pride you take in your operation. Regular updates establish credibility with donors. And all of this helps keep your organization in customers’ minds. Yelp lets the public post reviews. If you’re afraid to ask your customers to review you on Yelp because you’ll get
bad reviews, I’m afraid the fat lady may be taking the stage because a competitor somewhere is asking their customers to post reviews. And you might be surprised where that competitor is located. The Local Internet crosses county and municipal lines. One more point, speaking of crossing lines. I know of a couple of local small businesses that have customers all around the world. The things that make you successful locally can also help new customers find you from outside Elgin County. That might not be a big deal if you’re selling groceries, but if you’re manufacturer, an artist, a historical group or someone with a story to tell, there’s a whole new bunch of people who are just waiting for you, both in Elgin County and way, way beyond.
Peter Atkinson was the St. Thomas Library’s E-Services Specialist for 4 1/2 years. He now lives in Ottawa, and brings a wider perspective to technology issues.
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ELGIN THIS MONTH
519-633-0240 March, 2013
LIFESTYLES Elgin Arts Trail
The Parade of Elephants is a travelling exhibition of one-of a-kind elephant sculptures created by artists on the Elgin Arts Trail in partnership with the St. Thomas-Elgin Public Art Centre. Every month the elephants will travel to a new location and at each location a new elephant will be added to the collection. The next exhibit will be on display at: Elgin - St. Thomas Tourism Office 450 Sunset Dr., St. Thomas (1st floor) Feb 1 – Feb 26, 2013 For a complete list of exhibit locations visit www.elginartstrail.ca/paradeofelephants
Minerva Art Gallery owner Kevin Morrell
DIVINE INSPIRATION
by Katherine Thompson
Travel off the beaten path to rural Elgin County where Minerva Art Gallery provides art collectors of all types with high quality fine art. Owner Kevin Morrell puts a great deal of thought and care into the pieces he displays and sells, offering everything from local to international selections. Not satisfied to simply select prints from the internet or a catalogue, Morrell tours the globe meeting artists, investigating their style and quality, and personally selecting each piece for his gallery. The gallery carries some of Canada’s major artists including Bateman, Danby, Romance, and Lumbers. Morrell is also a great supporter of local artists displaying exceptional works from Connie Greger, Judy Minor, Doug Laird, Catherine Simpson and Laura Woermke. Minerva Art Gallery is also a onestop shop for personal and corporate custom framing, offering a comprehensive selection of frames and art, and the assistance of a dedicated de-
sign consultant. Many of the gallery’s clients are curious as to how it got its name. Minerva, the Greek name for Athena, has been following owner Morrell around for most of his life. From a young age Morrell was interested in Archaeology and on a trip to Egypt at the age of 17 he got his first taste of Classical art and fell in love with the gods and goddesses of ancient times. His favourite reading material was an art history magazine called Minerva, and on a trip to England, he encountered the name again when he visited the Roman Baths dedicated to the Goddess Minerva. When it came time to open his own gallery, several name ideas were tossed around but inevitably the name Minerva stuck. Stop in to Minerva and enjoy a cup of tea and a lively chat with the owner or browse the unique and beautiful collection on display. For more information about Minerva Art Gallery or the Elgin Arts Trail visit www.elginartstrail.ca.
Katherine Thompson is Marketing & Communications Coordinator with The County of Elgin
March, 2013
The Elgin Arts Trail is a program with a goal to promote and enhance arts tourism in Elgin County and St. Thomas. The trail is a route through Elgin County that visits some of the best galleries, studios and artisans in Elgin and St. Thomas. For full trail information visit www.elginartstrail. ca or find us on Facebook
END THE FRUSTRATION AND START HAVING FUN
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ELGIN THIS MONTH
7
BUSINESS & COMMUNITY Business Resources
Sales 101
Part 1 of the fundamental steps
by Louis Castrogiovanni
Before we can understand sales, we must understand marketing and how they are related. Here is a good definition of marketing from the Canadian Marketing Association (CMA) website. “Marketing is a set of business practices designed to plan for and present an organization’s products or services in ways that build effective customer relationships.” So what is sales? Let’s think about what selling accomplishes for a customer. First, it changes their cost to do business (they receive a better deal or better value). Second, a sale fills a void as perceived or defined by the customer (fills a need or want or solves a problem). Therefore, selling is the process of helping someone discover something of value. You will note the focus is on the value to the customer and that sales is part of the broader marketing plan, more specifically part of the marketing mix (product, price, promotion and place) called promotion. Assuming your product’s (or service’s) features and benefits have been identified and positioned against your competitor’s offerings and you’ve identified your target market and have set your price and distribution (marketing mix), the sales process begins . . . Although there are many versions, the selling process has six fundamental steps. All sales interactions will follow these steps, whether it lasts several minutes or several months; 1. Prospecting 2. Initial Contact 3. Sales Presentation 4. Handling Objections 5. Closing the Sale and 6. Follow-Up and Service after the Sale. This month, we are going to focus on the first two. Prospecting is finding qualified prospects for your products or services. Making sure that there is a good possibility that they will buy is what makes them “qualified prospects.” Prospecting is a key step and, if done correctly, only qualified (warm) leads will be followed and therefore save time, frustration and greatly increase the likelihood of success. The Initial Sales Contact can be divided in two categories: when the prospect initiates the contact such as a retail store or incoming call from advertising and other promotion; and when you
initiate the contact such as canvassing, cold calls or networking. Prospects will contact you during normal business hours (and at odd hours) to find out if you have a store/business location. They may contact you by phone, mail, email, or through your website to request information, ask questions and/or to make a purchase. Be sure your answering service or website answers these questions and that your sales presentation (for each item or category) is always ready/accessible, clear and concise. The most common initial contact is a “cold call” conducted by phone or in person. This is contact made with prospects who have not indicated they desire the call. Keep in mind a telephone call is more efficient but a personal call is more effective. If you have prospected effectively, your cold call will be a warm call. So how do we turn cold calls into warm prospects? Here are some proven tips. Make sure you have all the materials you need at hand. State your purpose quickly – within 15
seconds. Get prospects interested by asking questions that make them think (open ended questions). Make statements that build rapport and confidence. Use humor – people love to laugh. Be sincere, be friendly – people like to buy from people they like. Make an appointment / choices of appointment times / meeting locations. Have an objective / purpose for your call (examples: appointment, inform, question, to talk to a certain person, sell). Determine if you want to close the sale on the first call or pave way for a later call / sales presentation. Do a little homework / find information about the prospect. Send information prior to the cold call. Keep your eye on the prize and never lose sight of your objective. Louis Castrogiovanni is a Business Counsellor at Elgin Business Resource Centre.
Watch the April edition of Elgin This Month for Part 2 of Sales 101.
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Great air show
At the Business After Five the Great Lakes International Air Show co-sponsored with Boston Pizza in St. Thomas February 13, GLIAS executive director Hugh Shields (left), sponsorships director Heather Broadhead and St. Thomas Municipal Airport superintendent Dale Arndt celebrate the air show coming June 28 - 30.
Business Beat Table of Contents Top Ten barriers.......... Page 10 Fore!........................... Page 11 Multiple wills?........... Page 12 Before and After......... Page 13 No-fault insurance..... Page 14 Who’s for China?....... Page 15 New Members............ Page 16
Wednesday March 13 at St. Thomas Golf & Country Club, pre-St. Patrick’s Day event sponsored by the Golf Club!
Doors open at 5:00 p.m. Complimentary hors d’oeuvres plus your favourite refreshments. Great door prize draws, too! March, 2013
Vision and action through the Chamber network The Canadian Chamber of Commerce and its nationwide network of chambers of commerce, including the St. Thomas & District Chamber, have unveiled our Top 10 Barriers to Competitiveness list for 2013. Coinciding with that release, the Ontario Chamber has published our 2013 economic agenda, Emerging Stronger 2013. The Top 10 Barriers to Competitiveness is an initiative the Canadian chamber network undertook last year to draw attention to the barriers that are holding back Canada’s progress and to urge all levels of governments to act more swiftly in increasing our country’s ability to compete globally. Locally, the national Chamber research, along with supporting data from the Ontario Chamber, became the foundation for expanded work to address skills and education issues. The full list of our priorities appears on the next page of this issue. Canadian Chamber of Commerce President and CEO Perrin Beatty declared the initial year of the initiative a success. “As we take stock of the first year of the Top 10, many of the items we listed were addressed in the course of 2012,” he stated. “Our Members recorded a major victory when our appeal for change to the regulatory processes around natural resource projects was overwhelmingly accepted by the government. For a country so dependent on the success of natural resource projects, making a more efficient process is a huge contributor to competitiveness,” declared Beatty. The Canadian Chamber network’s number one issue in 2012 was Canada’s skills shortage. “We were very satisfied to hear the Prime Minister also identify skills as a major priority issue of his government,” added Mr. Beatty. The Canadian Chamber network intends to maintain its focus on skills in 2013, particularly in addressing four key areas: upskilling, immigration policies, education-
employment alignment and Aboriginal education and workforce development. Addressing the Top 10 Barriers to Competitiveness will go a long way towards restoring Canada’s competitiveness. The Canadian Chamber network is calling on its own membership, on governments, on labour organizations, on educators and others to tackle and overcome these barriers as tolerating them is simply not an option. Effectively addressing these 10 barriers will sharpen Canada’s competitive edge and allow us to prosper in the global economy. “The need for action is urgent. The standard of living of every Canadian depends on how well we respond to the challenge. We must identify and implement real, tangible solutions for breaking down the barriers to our competitiveness and for creating more opportunities and greater prosperity for Canadian businesses and families,” concluded Perrin Beatty. Emerging Stronger From the provincial viewpoint, and a year in the making, Emerging Stronger 2013 is a transformational agenda aimed at accelerating economic growth across Ontario. It identifies Ontario’s challenges and advantages, and sets out practical and detailed recommendations for government and business. It provides a non-partisan platform that will appeal to all three parties in the Ontario Legislature. Emerging Stronger 2013 is a collaborative effort of the Ontario Chamber of Commerce, Leger Marketing and the University of Toronto’s Mowat Centre within the School of Public Policy & Governance. It maps 5 priorities that will be the focus of activity across the entire Chamber network this year. You can view and download the report on our website at www.stthomaschamber.on.ca or visit www.emergestronger.ca for more information.
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Chamber News Events and News of Interest to our Members
What’s holding us back? Here’s our priority list for 2013:
2013 top 10 barriers to competitiveness As detailed on the previous page, the Chamber network has been working aggressively to identify market and employment issues and lay foundations for action and solutions. In almost every respect, local issues and concerns mirror those proven across the entire country.
Skills shortages Governments and businesses across regions and sectors will need to work cooperatively and aggressively to address this ubiquitous issue, particularly in four key areas: upskilling, immigration policies, education-employment alignment and Aboriginal education and workforce development. Barriers to world markets for Canadian energy products The overseas market will be of critical economic importance to Canada in the 21st century. Federal and provincial governments must act now to support the development of the infrastructure and relationships needed to realize the full potential of Canada’s energy endowment, or risk missing out on a historic opportunity. Inadequate workforce productivity Improved trends in business investment in productivity-enhancing
1.59 6.9 1.64 %
¢
%
strained by a focus on slow-growing, traditional markets. Canada must reduce its dependency upon its usual trading partners and expand its access to new markets in Asia, Africa and South America. Legal access to these markets is but the first step. Canada needs to construct trade strategies that will turn access into success. Internal barriers to trade Canada is still far from being a barrier-free internal market. Internal trade barriers cost Canada’s economy more than $14 billion each year. Canadian business still has to petition governments for the “right” to sell goods and services in Canada. Canadian business needs a new agreement that will deliver a single, unimpeded marketplace for internal trade, labour mobility and investment. Uncompetitive travel and tourism strategies Through a combination of high transportation costs and steadily reduced marketing efforts, Canada has slipped from seventh place among the world’s tourism destinations to 18th place in just a decade. A huge industry, critical in every region, is struggling with its competitiveness and needs public policies that are forward looking and supportive. Lack of access to capital A critical element of business competitiveness in any industry is access to capital—be it through venture capital or through foreign direct investment. Canada must support a sustainable private-sector led venture capital market and increase its appeal to foreign investors.
technologies and equipment are encouraging but still leave Canada underperforming relative to its competitors. To improve its productivity, Canada must leverage advanced technologies and efficient infrastructure, support efforts to raise literacy and numeracy levels among workers and ensure its EI program is not a disincentive to work. Inadequate public infrastructure planning Government commitments to infrastructure have been intermittent and the criteria changeable, making private sector investment difficult and expensive. Mobilizing private investment to finance public goals is essential for infrastructure development. Tax complexity and structure Canada’s tax system over-relies on income and profit taxes, the most economically-damaging forms of taxation. Canada’s tax system is also overly complex and, as a result, imposes unnecessary and significant compliance and administration costs on businesses and consumers. Canada must create a simple, fair and growth-oriented tax system. Poor innovation performance Canada lacks a definitive innovation strategy that brings coherence to the many government policies and programs affecting private research, academic research and commercialization. A clear approach that leads to action is urgently needed. Poor innovation leaves Canadian business vulnerable to competitors and to changing economic conditions. Consult the complete Top 10 BarDeficient strategies for trade success riers to Competitiveness document in new markets online now at Chamber.ca Canada’s competitiveness is con-
Published by Metroland Media Group Ltd., and delivered to businesses in St. Thomas and Elgin County For complete information on the St.Thomas and District Chamber of Commerce, reach us at: 115-300 South Edgeware Rd., St. Thomas, Ontario N5P 4L1 Telephone: 519-631-1981 Fax: 519-631-0466 E-Mail: mail@stthomaschamber.on.ca Website: www.stthomaschamber.on.ca
Director: Beth Burns Director: Renee Carpenter Director: Monty Fordham
Accounting Coordinator
Susan Munday
Director: Jeff Kohler Director: Rob Mise Director: Debra Mountenay
Member Services
Linda Crawford
Member Services
Jeff Sheridan
Director: Darren Reith
President & CEO
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2013 Board of Directors Chair: John Regan Elgin Business Resource Centre 1st Vice-Chair: Laura Woermke St. Thomas Elgin Public Art Centre Treasurer: Mark Lassam, CA CA Key, Perry & Lassam Chartered Accountants Past Chair: Jason White Steelway Building Systems
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Bob Hammersley
Director: Allan Weatherall
K & K Locksmiths Jennings Furniture Fordham Brightling & Associates, Lawyers Presstran Industries myFM 94.1 Workforce Planning & Development Board Reith and Associates Insurance & Financial Elgin Military Museum – Project Ojibwa
March, 2013
Chamber News Events and News of Interest to our Members
Meet our 2013 Board of Directors Each year, the Chamber’s Board of Directors elects the volunteers who will serve as the Chamber’s Executive Council – the officers of the Chamber organization. John Regan will serve as Chair of the Chamber’s Board of Directors for 2013. John is the General Manager of the Elgin Business Resource Centre (a Community Futures Development Corporation), the Innovation Centre for Entrepreneurs, and the Elgin St. Thomas Small Business Enterprise Centre. John was elected to the Chamber’s Board in 2011 and has served as Chair of our Member Services Committee. He is also a Board Member of the Economic Developers Council of Ontario (EDCO) and the Western Ontario Community Futures Development Corporation Association. Before joining the Elgin Business Resource Centre (EBRC) in 2008,
John Regan, 2013 Chair of the Chamber’s Board of Directors.
John’s work experience spanned more than 25 years in a variety of business sectors and focused on business development, as well as sales and marketing processes. John has been self employed for most of his life and was an
owner-operator in several businesses, including; digital imaging, supply chain logistics, inventory optimization, die casting, automotive parts and accessories, and environmental products. In all capacities, John has been responsible for sales, marketing and customer support activities at a senior management level. During his term with the EBRC, his work has centred on business counselling in support of small business development and community economic development. He has participated in opening the Elgin/St. Thomas Small Business Enterprise Centre and was instrumental in bringing St. Thomas and Elgin County its first mixed-use business incubator, the Innovation Centre for Entrepreneurs or “ICE”. Our 2013 Executive Council Immediate Past Chair – Jason White, Steelway Building Systems
Vice-Chair – Laura Woermke, St. Thomas Elgin Public Art Centre Treasurer – Mark Lassam, CA, Kee, Perry & Lassam Chartered Accountants Member Services Committee Chair – Rob Mise, myFM Radio 94.1 Public Sector Liaison Committee Chair – Allan Weatherall, Elgin Military Museum – Project Ojibwa President & CEO/Corporate Secretary – Bob Hammersley, Chamber staff Our 2013 Board of Directors Beth Burns, K & K Locksmiths Renee Carpenter, Jennings Furniture Monty Fordham, Fordham Brightling & Associates, Lawyers Jeff Kohler, Presstran Industries Debra Mountenay, Workforce Planning & Development Board Darren Reith, Reith & Associates Insurance & Financial Services
Upcoming events for members
The Chamber’s annual calendar of events includes 28 functions that are significant on our schedule and planned to serve Members from every commercial sector. Among these are such events as our monthly Business After 5 functions, information events such as our annual State of the Municipalities Luncheon and the Outlook Economic Forecast, and region promotion and communication events such as our “diSTRICTLY Business” expo. To find details on all events we’re producing, as well as community functions we’re connected to, the Chamber’s website is the best viewpoint day or night. On the right side of our main page you can see a list of upcoming functions over a three- to four-month window. Click on any one and you will get
complete date, time & location information and, whenever possible, self-serve ticket sales & payment or reservation paths. One of the events we’re focusing on has appeal across all business sectors: our annual Member’s Golf Day. This year is our 39th, making the event one of the longest-running in the region. The event date is Thursday May 30. Experience 18 holes on one of Southwestern Ontario’s premier Golf Courses, the award-winning St. Thomas Golf & Country Club. With a complimentary “Golf Pro Driving Clinic,” all you-can-eat dinner buffet, post game social mixer, amazing prizes, silent auction, friendly competitions and more, it is GUARANTEED to be the event of the summer.
WE ARE PLEASED TO ANNOUNCE THAT AS PART OF THE DIVERSICARE FAMILY WE HAVE BEEN AWARDED THE Photo by Mark G
Chamber Members Golf Day
As in the past, proceeds from this fund-raising event will help the St. Thomas & District Chamber of Commerce provide the necessary tools to promote and advocate for continued economic growth on behalf of our Membership. To register your foursome, inquire about sponsorship opportunities or donate to the silent auction please contact Jeff Sheridan at 519-631March, 2013
1981 ext. 526 or email jeff@stthomaschamber.on.ca Register and pay before May 1 and get our Early-Bird price of $149 single or $575 for a foursome. After May 1, regular price of $159 single and $595 per foursome will apply. Our event opens May 30 with registration 9:45 to 10:45 a.m. and a shotgun start at 11:00 a.m. sharp. Dinner service follows golf.
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Legal Business Legal News and Issues for Business
Willing to save: The use of multiple wills in estate planning by Monty Fordham
In last month’s column, I mentioned, as an estate planning tool, the use of “multiple wills.” Now, while it was not that long ago that I attended law school, (yes I really did) I do recall that a will, in order to be valid, must be the “last will and testament” of the testator. The most obvious reason for this requirement is that, almost always, when a person draws a will, he /she revokes any previous will, so that the new will stands alone and is not confused with any previously expressed intentions. However, for many years, the use of multiple wills has been common when people own property in more than one jurisdiction. Examples include the condo in Florida, the villa in Nice or the yacht in the Caymans (sigh!). Or maybe just the trailer in Tennessee, or the drive-in in Pennsylvania. It is important that such secondary wills cover only the property in the other jurisdiction, and adhere to the laws of the jurisdiction in which the property which they govern exists. The Ontario government encouraged the use of multiple wills for purposes other than multi-jurisdictional issues back in 1992. How, you might ask? By
tripling the fees paid when wills were submitted to the courts for probate. Formerly these were called “probate fees” and were assessed at .5% of an estate’s total value. Now they became “estate administration tax,” anachronistically (and very appropriately) labeled “EAT”, at a rate of 1.5% on an estate value over $50,000. Clearly, in larger estates, the amount so devoured, could be significant. So, just so you realize that lawyers are not just a bunch of pretty faces, some of my colleagues noticed a strange inconsistency in the Estates Act. While section 32(1) required the disclosure of the “total value” of an estate, for the purposes of probate fees, section 32(3) recognized the possibility of a grant of probate “limited to part only of the property of the deceased”. Aha! they said. What if a will was drawn which dealt with only the property which required probate (now called appointment of estate trustee with a will – don’t ask me why) in order to be transferred to the beneficiaries, and another will dealt with all the other property? A gentleman by the name of Philip Granovsky settled the matter when he drew two wills. One, the “primary will”
which dealt with estate assets amounting to approximately 3 million dollars, and a “secondary will” which dealt with assets totaling over 25 million dollars. Upon Mr.Granovsky’s death only the primary will was submitted for probate. For obvious reasons, the Ontario government objected, but allowed the will to be probated provided that the executors of the estate submit the issue to the court for determination. In a seminal decision, in 1998, Madame Justice Greer of the Ontario Court, General Division, ruled that only the primary will need be submitted, and that testators are entitled to organize their affairs so as to minimize taxes, including EAT, otherwise payable on their death. The use of multiple wills saved the Granovsky estate approximately $375,000. The Ontario government initially indicated it would appeal the decision, but later abandoned the
appeal. So, until the government changes the legislation, the decision stands. The Granovsky decision has been approved of in later court challenges of the use of multiple wills; but a word of caution: such wills need to be very carefully prepared, as well as the subsequent application for probate. Particular care must be taken to ensure that one will does not revoke the other. As well, the assets dealt with in each will must be clearly identified. Certain property, such as shares in privately held corporations need not be the subject of probate, while many others are. The use of multiple wills can be a useful tool in estate planning, particularly in very large estates. As well, the use of trusts, and gifting can minimize the various tax consequences arising on death, including EAT, and Federal and Provincial income taxes. As they say, you can’t take it with you, but you can pass more of it along to your beneficiaries. Lawyer Monty Fordham prepares this monthly column for the St. Thomas & District Chamber of Commerce and our Members. Monty is also a volunteer serving on the Chamber’s Board of Directors. Questions, comments and suggestions for future columns are welcomed by Monty at his office: Fordham & Brightling Associates – Lawyers, 4 Elgin Street, St. Thomas. Telephone 519-6334000, FAX 519-633-1371 or e-mail: montyfordham@4elgin.ca
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March, 2013
Member News Events and News of Interest to our Members Before
GCW Kitchens & Cabinetry started as a small local shop in 1999 with four owners and one employee. In the 13 years since then, three relocations and growth to over 60 employees sees them now make a move to acquire the former Therm-O-Disc property at 95 South Edgeware Road. Their current Edward Street shop/office is a 21,000 square foot site, and the next move will see them set-up in an 82,000 square-foot building on a 10-acre site with lots of room to grow. The Chamber is excited to recognize the success of President/General Manager Ron DeWeger and the entire GCW team.
After
Recognized experts Congratulations to Scott Tucker and his team at Strictly Addressing on earning designation as a “Canada Post Expert” from the national postal service. That addition to their branding adds them to a small and select group of partner businesses that work with Canada Post across the nation. Strictly Addressing serves business clients through the London/St. Thomas region with a wide range of marketing and communication services based on direct mail. A full profile of their services is on their website at strictlyaddressing.com
EMPLOYERS Are You Looking to Recruit Seasonal Staff for 2013
Free Enterprise Award nominations welcome
Here’s a reminder that the Chamber welcomes nominations until March 8 for the 2013 Free Enterprise Awards. This annual recognition of business and community service excellence has been organized by the St. Thomas & District Chamber each year since 1974. This year, the awards presentations will become part of a larger showcase named the St. Thomas – Elgin March, 2013
Business Awards. Presentations will be made on April 25 at St. Anne’s Centre in St. Thomas. Nomination information and guidelines are available from Chamber president/CEO Bob Hammersley at the Chamber office and can be found in the Chamber’s weekly Green Mail email broadcasts to all Members.
Contact a Job Developer Today ALL SERVICES ARE FREE! Employment Services Elgin 400 Talbot St., St.Thomas P: 519-631-5470 Mon.-Thurs. 8:30am-6pm Fri. 8:30am-4pm
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Aylmer Community Services 25 Centre St., Aylmer P: 519-765-2082 Mon.-Fri 9am-4:30pm Tues. 9am-6pm
West Elgin Support Services 160 Main St., West Lorne P: 519-768-0020 Mon.-Fri 9am-5pm
This Employment Ontario Program is funded by the Ontario Government
www.jobselgin.ca 13
Pro Text Business Management News & Issues
No-fault insurance . . . What does that really mean? by Crystal Underhill
Confused and frustrated about your MPAC assessment? Concerned about your bottom line? P.J. Smith & Associates are your local experts, with more than 100 years combined experience working with municipal property tax assessment. Let us put this experience to work for you.
We often hear, “Well, it was in a parking lot — so no-fault right?” or “The police did not lay any charges, and it’s no-fault insurance, so how can I be at-fault in the claim?” Unfortunately the term “no-fault insurance” creates a huge misconception for most. No-fault does not mean that in the event of an accident no one is going to be held responsible. It does mean that if you are injured or your car is damaged in an accident, you deal with your own insurance company, regardless of who is responsible, and you don’t have to go after the responsible driver for vehicle damage reports and for the rehabilitative care and income replacement benefits to which you, as an injured driver or passenger, may be entitled. The current system is designed to reduce the delays of an adversarial legal (or ‘tort’) system, and provide treatment and benefits to injured victims quickly. If you are injured in a car collision, you would be able to access any medical benefits offered under your policy immediately from your company, even if you were to blame for the accident. You can get the help you need right away, instead of having to wait for your insurer to decide who is at fault before paying out any benefits. A big question many consumers have is, “How does the insurance company assess fault? In auto insurance, someone is always at fault, partially or completely. In Ontario, the insurance companies are bound by The Fault Determination rules to determine in each scenario who is at fault and at what percentage. These rules are set out by government regulation and are available on-line by searching “Ontario Fault Determination Rules.” After you report an accident to your insurer, the company will investigate the circumstances of the accident and then make a
fault decision based on these rules. More than one driver may be negligent. Each driver’s insurance company may then become involved in the settlement based on the degree of responsibility attributed to each person. If there is a dispute about responsibility, court action may be required to resolve it. You may still be wondering, “How does an at-fault accident affect me?” You can be found anywhere from 100 per cent to 0 per cent at fault. A driver found more than 0 per cent at-fault will have an at-fault accident on his or her insurance record. If you are found any per cent at-fault in an accident, your premium may go up at renewal. However, some companies allow you to maintain your driving record or premium after your first at-fault accident. To confirm your company’s underwriting approach, and how an at-fault accident will affect your rates, be sure to call your insurance provider. In addition, if you have any convictions or cancellations of a policy, for non-payment or underwriting reasons, in addition to an at-fault accident, or are an inexperienced driver with an at-fault accident, you may be considered to be a high-risk driver and be placed with an insurer specializing in these types of risks. Remember . . . no-fault does not mean no-blame. Your best bet is to drive safely, and according to the weather and road conditions. This column appears regularly in Business Beat and has been submitted by Crystal Underhill, RIB (ON), a Broker/Advisor with Reith and Associates Insurance and Financial Services, 462 Talbot Street, St. Thomas. Questions and comments on this column are welcomed by the writer at 519-631-3862 or via e-mail: info@ reithandassociates.com
Then relax. We handle all the details and will make sure your property is assessed fairly and accurately. Don’t delay. The time to act is now. Deadline is April 1st, 2013. Call now for your FREE initial consultation.
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Chamber News Events and News of Interest to our Members
Be a part of our trip
Plans are well underway for a special tour to China this fall, hosted by the St. Thomas & District Chamber of Commerce. We will visit Beijing, Shanghai, Hangzhou and Suzhou for 11 days, October 23 to November 2. Arrangements for our tour are being made by Citslinc International, a firm that works exclusively with Chambers of Commerce in Canada and the US. It was established in 1995 and, in 2012 alone, provided tours to over 20,000 people through the Chamber network. Our exclusive Chamber tour package is priced at just $2499 (US) for our Members or $2699 (US) for non-members. The price includes all taxes, return airfare from Toronto’s Pearson International airport, 3 meals each day, 4 and 5-star hotels, deluxe bus tours, entrance fees for attractions, and expert Englishspeaking tour guides. Call or visit the Chamber office for more information including a full itinerary, and dates of upcoming info session we will host. Elgin Travel & Cruises in Elgin Mall is our local agent handling all bookings and arrangements and will gladly assist with any information
required. The photos on this page appear courtesy of our friend and colleague, Keith Hoey of the Burlington Chamber of Commerce. Keith took all of these shots when he travelled with Citslinc to China last April.
Call Today! Landscape Construction
Building outdoor projects in the St. Thomas area for over 18 years. • Patios and decks • Stonework • Retaining walls • Waterfalls & bubbling rock
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Landscape Maintenance
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UPCOMING EVENTS: Canadale Spring Garden Show St. Thomas Home and Garden Show March 15,16 & 17 - Canadale March 22, 23 & 24 Timken Centre, St Thomas. Nurseries, 269 Sunset Drive, St. Thomas
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March, 2013
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Chamber News Events and News of Interest to our Members The St. Thomas & District Chamber of Commerce is pleased to welcome the following businesses and individuals as our newest Members. The staff and management of the organizations shown below were accepted as registered Members from January 16 to February 15, 2013. Elgin St. Thomas Second Nature Land Design Inc. 39364 John Wise Line St. Thomas, ON N5P 3S5 Phone: 519-670-6665 Email: secondnaturelanddesign@gmail.com Website: www.secondnaturelanddesign.com Contacts: Kyle Vachon and Blake Chesterfield Buyer’s Guide Categories: Landscape Contractors, Landscaping Services Products & Services: This new,
local firm provides landscape design, construction and seasonal property services. Specialty services provided include interlocking stone work, water features, retaining walls, outdoor kitchens & fireplaces, night lighting, natural stone features, tree, shrub and perennial plantings. Second Nature also offers residential & commercial snow removal. Link Advertising Inc 23 Ensley Place Port Stanley, ON N5L 0A1 Phone: 519-280-5464 Fax: 519-432-4626 Email: king@linkad.com Website: www.linkad.com Contact: King Snelgrove Buyer’s Guide Categories: Advertising & Promotion; Business Advisory Services. Products & Services: Celebrating 25 years in business, Link
is an idea-driven, marketing and communications company based in London, and now working to serve clients in the St. Thomas – Elgin market. Link attracts keen, razor-sharp, highly accomplished people that live and breathe great marketing. Their pledge to customers is an enthusiastic advertising agency that encourages exploration, creativity with true client-agency collaboration. Link pledges that the “job is done right”, using whatever digital, traditional or out-of-the-box media is required. Survivors of Suicide Loss - Elgin 24756 Pioneer Line West Lorne, ON N0L2P0 Phone: 519-854-0393 Email: flying_birds1@hotmail. com Website: www.rememberingnicholas.ca
Save 3.5¢/litre
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The Sheridan Band 32 Rickwood Place St Thomas, ON N5R 5Z4 Phone: 519-633-6118 Email: jeffsheridan@hotmail. com Website: www.thesheridanband.com Contact: Jeff Sheridan Buyer’s Guide Categories: Entertainment Products & Services: The Sheridan Band is a high-energy traditional Celtic folk group. The band consists of four family members who were often asked to play their music at various family and community events. As others quickly discovered, a party breaks out wherever this group performs. The requests to perform have continued to pour in from Northern Ontario, eastern Canada, right down into the northern states. A subtle blend of sounds stemming from their contemporary rock influences weaves through their folk music, creating the perfect ingredients for a footstomping good time!
Reduce the risk & cost with increased IT efficiency
Chamber members qualify for Esso’s Direct Billing Program; you pay 3.5¢ off the posted retail pump price whenever you fuel up. You may also get a convenient, detailed monthly invoice and also qualify for Speedpass®. For an application, contact:
Lynhurst ESSO & Variety
Contact: Penny Knapp Buyer’s Guide Categories: Counselling Services; Education Products & Services: This notfor-profit organization provides peer support, suicide education, suicide resources, suicide awareness training, suicide prevention & intervention training across Elgin County. Additionally, public speaker workshops are provided. Their local website has direct access to a large number of support services and resources.
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March, 2013
Maximize retirement savings (NC)—Valuable tax preparation resources are available to communities across Ontario prepared by the Certified General Accountants of Ontario www.cga-ontario.org. Here is a snapshot of tips to maximize pension contributions and your Registered Retirement Savings Plans: Individuals who are paying Canada pension plan (CPP) and/or employment insurance (EI) premiums
may claim a 15 per cent federal tax credit and 5.05 per cent provincial tax credit on the amount paid. Contribute to your RRSP early in the year. If, for example, you contribute $22,970 — the maximum possible annual contribution amount for 2012 — at the beginning of the year instead of at the end, over a 25-year
period, assuming a five per cent rate of return, you would have an extra $54,800 in your RRSP. If you are an employee who is making regular RRSP contributions, request that the amount of income tax withheld on your pay cheque be reduced in order to reflect the savings those contributions will bring. This is a more efficient way to manage your money. You don’t have to deduct an RRSP contribution in the year it is made; instead, you can carry it forward for deduction in a future period when you have income placing you in a higher tax bracket. Be sure you have used all personal tax credits before deducting your RRSP contribution. If you are at least 65, consider cre-
New Canadians have tax obligations too
(NC)—Every year, thousands of immigrants make Canada their new home. However living in a different country can be a major adjustment, especially if you are unfamiliar with having to file income tax forms. “Even if you are new to Canada, the Canada Revenue Agency (CRA) expects you to comply with your tax obligations,” says Cleo Hamel, senior tax analyst with H&R Block.“It is important to find out your residency status under the CRA rules and what this means to your tax return.” People entering Canada can be classified as non-residents, deemed residents or part-year residents, depending on how long they stay and if they establish residential ties. People who immigrate to Canada on a permanent basis are usually considered part-year residents for tax purposes. Part-year residents are taxed on their world income from the date of entry, so all income earned in a tax year must be reported.
“Every new Canadian needs to apply for a social insurance number (SIN) as soon as possible,” explains Hamel. “You will need a SIN to file a tax return and qualify for tax credits.” Part-year residents may be entitled to the GST credit after their arrival. Parents should also complete a Child Tax Benefit Form RC66 from the CRA as soon as they arrive. “Your tax obligations on investments and properties will be calculated based on the fair market value (FMV) on the date you entered Canada,” says Hamel. “The FMV will determine any capital gains or losses after you arrive, meaning you don’t pay more tax than you need to.” If you are new to Canada, it is important to make sure you claim the credits to which you are entitled while ensuring you comply with the existing tax laws and treaties. Information on this topic is available at 1-800-472-5625. www.newscanada.com
It’s not what you earn... It’s what you keep. Proactive Tax Planning vs Reactive Tax Preparation It’s not what keep up to date on current and new tax legisla• We Accounting • Cash Flow Preparation tion to identify key tax planning opportunities that • Auditing • Management Consulting you earn... minimize both current and future tax liabilities. • Business Plans • Small Business Services We specialize in small (including • Tax Services •business Bookkeeping Services It’s what you keep. Kee, Perry & Lassam offers a full range of public accounting services. Our chartered accountants and staff have the experience, training and skills to deal with your business needs.
proprietorships and partnerships) tax planning to amount your tax Kee, Perry & Lassam offers At Kee,reduce Perry &the Lassam weofensure ourliablility. clientsa full recieve range of public accounting the service and expertise they need to succeed. Business Succession Planning Our chartered Please make a callservices. to our office your firstaccountants step on the We can help you reduce the have tax effects of buying/selland staff the road to success. experience, ing a business or handing your to the training down and skills to business deal with your next generation. business needs. 15 Barrie Boulevard We will also help you reduce the effects St. tax Thomas, ONof retirement and estate planning by putting together Canada N5P 4B9a plan. • Accounting • Cash Flow Preparation 519-631-6360 • Auditing • Management Estate and Trust returns Consulting 519-631-2198 fax • Business Plans • Small Business Services We will guide you through the complex process of www.kpl-accountants.ca • Tax Services • Bookkeeping getting your financial affairs in order. WeServices will help you set up a proactive plan to leave your legacy while At Kee, Perry & Lassam weamount ensure of ourtax. clients recieve paying the least the service and expertise they need to succeed. Please make callMarie to ourPerry, office firstLassam, step on Jim Kee, CA •a Ann CAyour • Mark CAthe road to success.
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ating pension income by converting part of your RRSP to a life annuity or an RRIF if your financial circumstances warrant such a move. Contributing to a spousal RRSP also creates potential pension income for your spouse or commonlaw partner. Pension income splitting can be a good strategy to minimize overall family taxes if the spouse to whom the funds are being transferred has low, or no other sources of income. If you qualify for Canada pension plan (CPP) disability benefits, remember to check to see whether you also qualify for the federal disability tax credit (DTC). www.newscanada.com
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15 Barrie Boulevard St. Thomas, ON Canada N5P 4B9 519-631-6360 519-631-2198 fax
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Starting a career can be taxing (NC)—Every year thousands of young Canadians leave school to enter the workforce. This can mean leaving the comforts of home and becoming independent, but earning a steady pay cheque can also have a significant impact on their tax situation.
“Aside from learning a new job or finding a place to live, starting your career means thinking about taxes,” explains Cleo Hamel, a senior tax analyst at H&R Block Canada. “Making good decisions now can make things easier at tax time, as well as help plan for the future.” The new employer’s payroll department will require an employee to complete a TD1 Personal Tax Credits Return form. It asks basic questions and determines the amount of federal and provincial tax to be withheld from your pay cheque. Information is available at 1-800-472-
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• Complex Company Reorganizations • Buying and Selling a Business
• Negotiating with Canada Revenue Agency
5625. “Most employees fill out a TD1 form once, but if your tax situation changes you should update that form,” says Hamel. “It could reduce your pay cheque deductions.” Young Canadians may have extra job-related expenses such as new office clothes and dry cleaning. While these expenses are not a tax deduction, anyone with employment income can claim the Canada Employment Amount, which means about $164 in tax savings. Employees should also keep track of their health care premiums. Even with an employer benefit plan, many employees pay a monthly amount to fund the program. This can be
Tax childcare savings (NC)—Valuable tax preparation resources are available to communities across Ontario prepared by the Certified General Accountants of Ontario www.cga-ontario.org. Here is a snapshot of tips pertaining to childcare savings: Payments made to a boarding school or camp, including a sports school that requires lodging, qualify up to a maximum of $175 per week per child under seven and a maximum of $100 per week for other eligible children between seven and 16, inclusive. The child-care portion of fees paid to a private school that provides both educational and child-care services (such as before or after-class supervision) might also be deductible as child-care expenses. For parents of children with a disability, there is no requirement that the parent claiming the child-care expenses for eligible services, such as baby-sitting, or those provided at a day nursery or day-care centre, among others, be the one who claims the disability tax credit (DTC) on behalf of an eligible child. In many
cases it will be advantageous for the other parent to claim the DTC. In some cases the child, after having attained the age of majority, might be able to claim the DTC. A grandparent who supports a grandchild may be able to claim child-care expenses as the primary caregiver. Fees for your child’s extracurricular classes may also be eligible for the tuition credit if your child is at least 16; the classes are taken through a certified educational institution in Canada; and the program provides occupational skills. Dance or skating lessons are examples of classes that might qualify. www.newscanada.com
MARK A WALES CHARTERED ACCOUNTANT
- Your trusted tax and business advisor -
“Our Strength Is Beyond Numbers” 450 Sunset Drive St.Thomas N5R 5V1 519-633-0700
claimed as a medical expense. The annual payment may be identified in Box 85 of their T4 slip. Also, the earning of employment income builds contribution room for a Registered Retirement Savings Plan (RRSP). Money deposited and interest earned in an RRSP are tax exempt until withdrawn. “The amount you are allowed to contribute to your RRSP depends on your income,” says Hamel. “Starting your career allows you to start your retirement savings while enjoying the tax benefits.” For more information visit www. hrblock.ca. www.newscanada.com
25 John Street S. Aylmer N5H 2C1 519-773-9265
• Personal Tax • Corporate Tax • • Estate Tax • E-File Services •
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Jennifer Whalls Tammy Slota
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190 Centre St, St. Thomas
519-637-0700
March, 2013
Tax Talk: What you should know about common-law filing
Three tax tips for agricultural finances (NC)—Valuable tax preparation resources are available to communities across Ontario prepared by the Certified General Accountants of Ontario www.cga-ontario.org. Here are three tips pertaining supporting local farmers: Tile drainage, clearing and leveling of farmland, as well as building an unpaved road, can be expensed in the year such payments are made or any portion carried forward to future years. However, land improvements on farmland rented out to another farmer/producer do not qualify for this deferral. Alternative energy projects under Ontario’s MicroFIT program have been deemed by the CRA not to be incidental farm income. Revenue and expenses related to solar and wind energy production under this program must be reported on a separate business schedule using the accrual basis of accounting. Income tax regulations relating to these can be complex so it is advisable to consult with a CGA for more details. Because the CRA considers crop advances to be loans, in a better than average year, consider storing all or part of the crop and then taking an advance against it. This advance, which must be applied for early in the year, serves as an effective planning technique for farmers using the cash basis of accounting. www.newscanada.com
(NC)— The tax experts at HR Block answer one of the most frequently asked questions at this time of the year: Q. I have been living with my boyfriend since July 2012? Do I file as common-law? A. You are not considered common-law for tax purposes until you have lived together for 12 continuous months. But if you have children, you are considered com-
mon-law as soon as you begin living together. Your marital status is determined on December 31 of the tax year. Once you are commonlaw, you continue to file individual returns, but with spousal information. There is no joint filing option in Canada. More information is available online at hrblock.ca. www.newscanada.com
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19
AGRICULTURE Farming
Teaching ourselves how to make syrup by Janine Lunn We farmers love to complain about the weather. And living in Canada we have plenty of types of weather to complain about! But just when we’re getting fed up with one kind of weather, the hint of a new one emerges, and with it, new farm tasks to make life interesting. While I do enjoy the white fluffy stuff, the grey winter days and early nights can make winter feel like a chore. I’m sure I’m not alone when I say I can almost feel spring coming when the days seem brighter and we get a hint of warmth. Although I wasn’t raised on a maple syrup operation, I can always sense the sugaring season arriving; some days just feel like perfect ‘maple syrup days’! The warmer days and just-cool-enough nights get the sap running, help us pick up our own pace and give us something to look forward to. We aren’t all lucky enough to have a woodlot on the proverbial ‘back 40,’ much less the proper stand of mature maples to provide the sap. In recent years, our family farm has acquired just such a wood lot, and we’ve been teaching ourselves to make syrup. It’s not the kind of operation that will make us rich; some years we’re lucky if we make enough to keep our pancakes covered, and share with family members. And as anyone who’s spent the time tapping, checking, and collecting sap knows, it takes a lot of time and effort to gather enough of the clear stuff to result in a few meagre litres of syrup. The balance of the work in the woods falls to dad, and he brings our threesome
of helpers when he can. Armed with their thermos of hot chocolate and a few treats as encouragement, they trudge through the snowy woods to explore. Since they can’t do much of the heavy lifting, they handle a few small tasks and then they are free to wander. We hear snippets of stories of what they’ve seen, and all the imaginary worlds they’ve created among the fallen trees, and the abandoned, ancient sugar shack. You never know what farm kids will dream up when left to their own devices, but we don’t pry too much. After all, what happens at the sugar shack stays at the sugar shack! The evaporation process requires just the right amount of heat, a lot of patience, and the final key is timing. It seems no matter how many times a batch is checked, it’s never going to end, but we’ve learned. Each year we live in dread of that terrible smell, and sometimes a few choice words, that signal the demise of a batch of syrup. There’s not much that can be done to salvage once it’s reached the sticky, burnt stage. All we can do is be more diligent the next round, so the key is to find enough yard work to keep someone’s eyes close to the pot. For the finale, we bring the pot into the kitchen for the last few minutes on the stove top. Finishing off the syrup fills the house with a beautiful smell, with a small row of Mason jars glowing amber for our efforts. While we could say we get our syrup ‘for free’ we know that’s not exactly true. The time and materials do cost, but some of the sweetest things in life are very nearly free, and worth that bit of extra effort.
Janine Lunn’s family operates a sheep farm, a source for local sheep’s milk cheeses.
JOE PRESTON, M.P.
ELGIN-MIDDLESEX-LONDON • Passports • Revenue Canada • Seniors’ Issues • • Citizenship & Immigration • • Employment Insurance • 24 First Ave., Unit 2, St. Thomas, ON N5R 4M5
519-637-2255 • 1-866-404-0406 www.joeprestonmp.ca
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March, 2013
LIFESTYLES Self Discovery Spreading random acts of kindness throughout the year
Lessons from a Good Samaritan
by Sharon Lechner
One Saturday morning in February, my husband and I sat in our living room enjoying a cup of coffee when my husband suddenly asked, “Who is shovelling our driveway?” I got up from where I was sitting, looked out the window to see a complete stranger shovelling our driveway and front walk. At first I wondered if the shoveller in question might have the wrong house or if he was going to come to our front door and ask for money but neither turned out to be the case. This Good Samaritan proved to be a house guest staying with my neighbours who just decided to do something nice. Although I am sure it wasn’t necessary, I went to Tim Horton’s that afternoon and purchased a
March, 2013
gift card to show how much I appreciated his random act of kindness. Winter can be a difficult time for many, including me. I struggle with the lack of sunshine and blue skies, but this year I have really felt warmed by both receiving and expressing kindness. Kindness feels good. Another welcome gesture was the small box of chocolate truffles that I found in the home party catalogue that someone dropped off. When I returned the catalogue, I made sure to include a little treat in the envelope which I deposited into the host’s mailbox. Whether it’s a little treat, an act of service or just a few kind words, kindness really brightens peoples’ days. So many people are dealing with issues including health issues especially at this time of year. I like the idea of Random Acts of Kindness Day but think it should be
that way every day of the year, and as much as giving a treat to someone we know is a wonderful thing to do, how much more significant it is to do something for someone we don’t know. The people I am talking about would probably benefit from a few extra groceries for their struggling family or some extra clothing. “There but for the grace of God go I.” This year I am participating in a Random Acts of Kindness Initiative which involves my doing something for five different people at any point in time over the coming year. I am very excited about this. I love the element of surprise. So as winter eventually comes to an end, look around you for the opportunity to make a difference in someone’s life. It doesn’t have to be something huge. Shovel your neighbour’s walk if he or she is a senior, offer to pick up some groceries for someone
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in need or just spend a little time with a lonely person. Volunteering is a great way to express kindness. Maybe you might decide to become a volunteer driver for the Canadian Red Cross where drivers are always needed to take people to medical appointments. If you have a few spare dollars, why not consider making a donation to your favourite charity? The last I heard the United Way had not yet reached its annual fundraising goal. I am sure they would value your contribution. What are you waiting for? Spring is almost here. Sharon Lechner is a certified master life coach and owner of Reach for the Stars Empowerment in St. Thomas
21
HOMESTYLE Decorating
Part 2 of 3
Continued from Part 1 in the February issue of Elgin This Month
by Renée Carpenter
Colour made
easy
Watch for Part 3 next month.
KEITH HUNT
CONSTRUCTION LTD.
PROJECT MANAGEMENT - COST CONSULTING
Another Beautiful Farmhouse Renovation
The following tips and tricks will make colour decorating a breeze. • Take the time to curate and develop your colour palette. Collect magazine pages, brochures, post cards – anything with colour combinations that intrigue you. Gather decorating items that catch your eye, such as fabric and wallpaper swatches, flooring samples, and paint chips, or even elements such as natural finds. Take snapshots of things that inspire you. Edit and add to your inspiration board as you work through the decorating process. • Match colours featured in a rug to create a more cohesive look since it is the foundation for a room. • Be inspired by art. Art adds personality to a room. Using it as a foundation creates a great colour scheme. If choosing a wall colour from your artwork, go one or two shades lighter to ensure the art will pop. • Choose your favourite colour. You are sure to love your room if you choose your favorite colour as the scheme base. Balance bold hues with white, off-white, or one harmonizing shade through accents and secondary elements. • Another great option is to begin with wallpaper. As wallpaper continues to make its comeback, consider it as the foundation of your colour scheme. If your wallpaper is very bold, use it to dress up one wall, then paint the other walls in a coordinating colour. • Don’t let curtains be an afterthought. Use them for effect. If you want your furniture or the view out the window to stand out, blend
Keith A. Hunt
519-765-2666
20 Harvey St., Aylmer, ON
www.keithhunt.ca 22
Renée Carpenter is the Owner of Jennings Furniture & Design in St. Thomas
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curtains with walls. If the view isn’t great, use contrasting colours or a pattern so the curtains become the focus. Don’t sweat slight colour variations between fabrics and walls. The best rooms are slightly off – stronger, lighter, softer, just not a spot-on match to a swatch. Use window treatment fabric to set a colour scheme in your room. Draw from the fabric’s main hues, then distribute those hues through the room with pieces of furniture and accessories. Try to incorporate similar colours through your furniture. Relying on colour combos featured in window treatments, pillows, or upholstered furniture is a sure bet for a good scheme because the combinations have been created by design professionals. • Love, love this one – Look in your closet! Love the look of your favourite outfit? Translate the colours in it into a room. Start with the colour scheme, then accessorize with items that radiate the style of your clothes. Bring pieces of the outfit with you as you shop for the accessories in the room. You never know what you might find. For example, the houndstooth pillow in your completed décor may have been inspired by your favourite houndstooth coat! Raid your accessories. Your handbags, belts, and jewelry are bound to contain more colours that excite you.
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March, 2013
BUSINESS & COMMUNITY Working In Elgin
It’s time to upgrade Some great local resources are a big help by Debra Mountenay A couple of weeks ago, I received a call from my cell phone carrier telling me it was time to upgrade. Remarkable! I didn’t know that I knew how to operate my current model and already I had graduated to a new and improved one. Then I realized that it had nothing to do with my skill level; it was just the technology that was changing. In how many other areas was I falling behind? Was it time to upgrade? As with most managers of a small business, I deal with all of the concerns that have to be addressed — human resources, health and safety, making sure that the equipment in the office is functioning — all mine and all over and above the “actual” work that I do to make sure we hit our targets as an organization. Fortunately, there are some good local resources that, like my cell phone
company, remind me when I need to upgrade. First and foremost — the Chambers of Commerce. We are fortunate to have five Chambers active in Elgin County. There’s bound to be one (or more) that’s right for every business. Chamber membership will help keep you informed of changes in provincial legislation and provides an opportunity to connect with other businesses that will have the expertise that you might need for yours. The more you participate in Chamber activities, the more you strengthen those connections. What’s your current level of activity with your Chamber? Is it time to upgrade? There is also the Elgin Business Resource Centre (EBRC) and Small Business Enterprise Centre where you’ll find information and workshops on a variety of topics. Again, the EBRC is a wealth of information. They can help you find whatever
information you need to strengthen your business. Have you looked at their website lately or been in to visit one of the offices? No? Is it time to upgrade? The South Central Ontario Region (SCOR) Business Portal is another great on-line resource to connect you business information you may need. Resources are listed under “starting your business” or “growing your business” and include links to local, provincial and federal sites.
Have a look at scorbusinessportal. com I still have to be a “jack of all trades” in managing my organization, but I do have some great local resources that can point me in the right direction. That’s the reason I work with all of them. When I do need to upgrade, it’s good to know there will be someone there to help me.
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LIFESTYLES In The Garden
by Dorothy Gebert
I don’t know about you, but by the time March rolls around, I am tired of the snow and am eager for the sight of colour. The hyacinths, daffodils and tulips are just peeking through their leaves, on the cusp of making an entrance, but they’re not quite there yet. How can you and I get our flower fix in the meantime? With primulas. These petite flowers make an appearance around this time in grocery stores, flower shops, and garden centres and give us a tantalizing shot of colour when we need it most. Even their name – primula – describes this characteristic. It comes from the Latin, meaning primus or first, describing the flowers that are among the first to open in the spring. Also called primroses, they come in a variety of colours – blue, yellow, red, pink, white, and orange – each with a slightly different yellow centre. I usually have a hard time deciding which one I want to take home. Primulas bloom at this time of year because the species was originally adapted to the cooler climates of the Himalayan Mountains. They are also easy for greenhouses to grow in the winter when space is often available. However, this affinity for an alpine environment usually means that primulas have a hard time in our dry, overheated homes. To keep Continued on next page
Primulas come in a variety of shades and hues that are hard to resist.
SCOTT LEWIS AUTO
24
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March, 2013
LIFESTYLES In The Garden primulas blooming, place them in a cool location and keep the soil moist, but not sodden. They also require lots of light (but not direct sunlight, keep it somewhat filtered) or use fluorescent lights, especially on cloudy days. Unfortunately, store-bought primulas don’t do well if you plant them in the garden later on. I’m not sure if it’s because they’ve been coddled in the greenhouses, but they’re not very resilient. They especially do not do well in hot, dry summer conditions. But, despite this, you may want to give it a try and see what happens. If you provide them with the right conditions, the primulas may flourish. Just remember to plant them in a cool, partly shady area of the garden with rich, well-drained, slightly-acidic soil, and to keep them moist. March 21 may officially be the first day of spring, but primulas are already giving us a hint of things to come.
Primulas bloom early to give us a hint of the coming season
Dorothy Gebert is a writer and garden enthusiast in St. Thomas
[above] Vibrant colours signal that spring will soon be here. [left] White-edged petals and starry centres are just some of the unique details primulas display.
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March, 2013
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HEALTHY LIVING Everyday Health
The benefits of acupuncture
Accessing natural pain control
by Dr. Greg Johnston B.H.K., B.Ed., D.C.
Thank you to Dr. Jennifer Durocher for allowing me to interview her for this month’s article. Dr. Durocher has been trained as a Contemporary Medical Acupuncture provider through McMaster University. She uses acupuncture as an adjunct to conventional chiropractic care. In this interview she answers some of the most commonly asked questions about acupuncture. Acupuncture is a very effective treatment for a variety of conditions read on for more information. What is Contemporary Medical Acupuncture? Contemporary acupuncture is used to stimulate peripheral nerves in order to control pain and dysfunction in the nervous system. It involves the insertion of very thin needles over specific areas of the body where nerves and their receptors are found. No drug is injected. This will stimulate the central nervous system which can result in many potential benefits. For example, it stimulates the body to produce its own pain relieving chemicals called “endorphins.” These are natural chemicals that mimic morphine and help by blocking pain pathways that relay pain messages from the body to the brain. This results in relief of pain.
What types of conditions does acupuncture help? Contemporary acupuncture is a safe, natural, and clinically effective option for the treatment of a variety of common orthopaedic and functional health conditions. The World Health Organization has endorsed acupuncture, declaring it to be effective in the treatment of many musculoskeletal problems such as: • Low back pain • Headaches • Tennis elbow • Joint pain • Sciatica • Pelvic pain What are some benefits of acupuncture? Acupuncture works by activating the natural pain control and healing mechanisms of the body. It improves circulation to the injured tissues, increases muscle nutrition, restores muscle strength and decreases pain. Some of the main benefits of acupuncture include a reduction of pain, faster recovery from injury, improved function of the affected area and improvement in mood and energy. It is a process that encourages natural, drug-free healing. What can a patient expect from an acupuncture treatment? I would perform a history and physical examination to determine what the problem is. If acupuncture is thought to be a technique that can be utilized for the healing process, a treatment plan will be discussed.
The actual treatment involves the insertion of acupuncture needles that are very thin, sterile and are single use. Discomfort during the process is minimal. Many patients report that they do not feel anything during the insertion of the needles. The needles are solid with a round tip that gently parts tissues without damaging them; therefore there is little to no discomfort. However, when the tissue is tender, it is not uncommon to feel a brief sensation at the location where the needle was inserted. The needles are inserted at specific sites of the body that will lead to the maximum therapeutic and physiological benefit. Each patient is different therefore each treatment plan is individually customized to their condition. A treatment session typically lasts between 2030 minutes. Are there any adverse effects? Adverse effects are very rare. The most common is minor bruising or minimal bleeding. How quickly are results evident? Every patient is unique therefore each person has a different reaction to acupuncture. On average, 6-8 treatments are effective for simple pain problems, whereas a more complex, chronic condition may take 10-12 treatments. Some patients report immediate benefits following treatment.
Dr. Jennifer Durocher can be contacted at Family Health Options for further information.
Dr. Greg Johnston is a Chiropractor and partner in Family Health Options Treatment & Resources Centre in St.Thomas
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HEALTHY LIVING Everyday Health
Engage the disengaged youth of Elgin St. Thomas Start with a strengthbased approach
by Jessica Austin
When you think of youth what comes to mind? Unfortunately, all too often youth are painted with negative labels like reckless or rebellious. Such labels can result in disengaged youth. Changing our mindset to positive labels, such as energetic and curious, helps us take a strength-based approach in our interactions with youth. When we do this, we help these youth find a positive, healthy venue for them to contribute in society. Looking at the developmental stage of an adolescent, we are aware of the physical changes in becoming an adult; however, the behavioural piece of adolescence is not often understood but more seen as annoying and frustrating. The reality is, during adolescence, youth brains are going through the most rapid growth spurt since they were infants. Their experiences and social interactions during this point in their lives help to wire their brains for who they become as adults. If we shift our focus from the negative and understand youth through the three Bs – “Being, Becoming, Belonging” – we can help provide them with op-
portunities to learn and grow in a positive atmosphere. Engaging youth in healthy productive activities requires us to look at the broader context of their lives. This does not mean you have to be a social worker or mental health provider. This means we must give each individual youth the opportunity to have a voice and share with us what they want to be, become, and belong to. Listening to their story and understanding their passion and spark produces a wonderful opportunity for relationship building. Mentoring, a one-on-one relationship with a supportive adult, is the single intervention that routinely produces a stronger sense of self-worth, improved relationships with parents and peers, improved academic achievement, decreased substance use and destructive behaviours, and a reduction in aggressive behaviour and de-
linquency. Youth who have lost their spark or have never discovered it in the first place are easily identifiable. They are the youth we see who have increasing depression and anxiety. They feel their energies are squashed, leaving them with a strong emptiness. Many adults can quickly recall one ‘spark’ or caring mentor who made a difference in their adolescent years. By encouraging and allowing youth to talk about their spark, we are helping them to recognize the power and need of this spark. Creativity as a category is often the leading spark in youth. If they are unable to incorporate this spark in their work, as adults we need to support them in finding other ways to use and enhance their spark in their extracurricular or everyday lives. Starting a conversation to hear a youth’s story and find their spark does not have to be hard. Below are some examples of fun and easy ways to connect with youth through conversation: • Have you ever asked a teacher or coach for extra help? Was it difficult to ask? • How well do the students in your school get along? • Name three things that made you smile today? • What are worst problems in the world today that you wish you could do something about? • What are three creative ways to say no to peer pressure? For more ideas and tips, visit search-institute.org Jessica Austin is a Health Promoter who coordinates the youth engagement program at Elgin St. Thomas Public Health.
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27
DINING & ENTERTAINMENT Wine & Food
Caring for wine 101
Tips to avoid having a wine taste “off”
by Jamie Quai
It is almost an annual tradition in the wine industry that around the middle of February wineries get phone calls from customers who have recently bought wines and have had problems develop. Corks are pushing; and when the wines are opened, they are described as ‘tasting off’. So what gives? With many wines that go off, it is never usually one issue that leads to the wines’ downfall. Usually a combination of factors and conditions had to happen to lead to these problems. This month’s article will discuss some of the common and not-so-common considerations that wine lovers need be mindful of to save their favourite wines from spoilage. Temperature is key. Wine is perishable (like a carton of milk). We always remind consumers in the
sweltering heat of summer to not leave their purchases in their vehicles. Extreme heat will denature many of the pleasant aromas and flavours. Any residual yeast from fermentation that made it past any of the filters will thrive in those warm temperatures. And most importantly, these changes are not reversible once the temperature returns to normal. Oftentimes, wines that are subjected to extreme heat will develop hazes or deposits. But extreme cold will do just as much damage to wine. Water may freeze at zero degrees, but most wine will freeze at about -6C. When a wine freezes and ice forms, there are forces that push the cork out. Additionally, when wine freezes and warms back up, the preservatives that are added to keep the wine safe from re-fermentation are consumed in a series of complex chemical reactions by naturally present oxygen. The wine is now defenceless. One of the reasons why February is such a big month for these problems is that December is actually the single biggest month for wine purchases, and January is the coldest month across the country. A lot of wine that was not consumed is stored improperly. More wine sold and not consumed,
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in this case, leads to more potential problems. The next factor is the wine itself. As I mentioned earlier, wine is a perishable product and some wines are prone to improper handling than others. In general, wines with low alcohol (usually defined as those being less than 10 per cent) should be treated as especially delicate. This is magnified if there is any residual sweetness in the product. Wineries take great care to mitigate these problems with the use of state-ofthe-art filtration methods, and preservatives, but there is nothing that can be done from a manufacturer’s perspective to ensure absolute prevention of spoilage from improper care. The third factor I want to touch on is the least obvious one, but plays a supporting role in most of the spoilage consumers see – improper transport. Of course, leaving wine in a vehicle is a poor choice because of temperature fluctuations, but many of the problems of transport are related to the distance traveled. In physics, we are taught that all energy (the ability to do work) exists in two potential states: potential and kinetic. The classic example of energy is an archer that transfers kinetic energy in his arm to the bend in his bow and ultimately that energy is converted to potential as the string is released and the arrow flies. A professional archer will never pull a bow string and release without an arrow, because without that transfer of energy to the arrow, the bow will retain the energy and will ultimately shatter. With wine, the potential energy of the vehicle is converted to kinetic energy as the car moves, the bottles are inundated with kinetic energy, rattling around a box or bag, and the greater the distances the greater the effect. Kinetic energy in the wine has nowhere to go and is then used to chemically break aromas or flavours, introduce air through the closure, or consume preservatives. Nobody wants to see their purchases spoil. In summary, avoid putting your wines in extreme heat or cool temperature situations. If you have to transport long distances, please cushion the wines, and if you are handling wines with low alcohol or residual sugar take extra care.
Jamie Quai is head winemaker at Quai du Vin Estate Winery in Elgin County March, 2013
HEALTHY LIVING That’s Life
In 1985, did father know best?
This particular conversation did not resume until the day before Easter Sunday. The whole dialogue was nagging at the back of my father’s brain and finally prompted him to ask my mother, “You looked after Easter right? YOU got the girls their presents?” Now my mother could give a look, rather a glare, that told my father even before the words left her mouth that indeed she had not looked after Easter. “If you don’t want the girls to be disappointed tomorrow morning,” she said, “YOU had better get to town.” “And don’t forget,” she said as my father sheepishly headed out, “the Easter Bunny always brings underwear.” Now this is where the re-telling brings me and my sisters to fits of laughter. It’s hard to imagine my poor father standing in the middle of the women’s underwear section in Woolco. He did ask for assistance. But when pressed about the size and age of each one of his four daughters Dad broke into a sweat and came up with a quick Plan B. Easter eggs, pencil crayons and skipping ropes. Yes, every Easter before 1985, and every Easter after 1985, my sisters and I received underwear from the Easter Bunny. And that one small blip in our family’s timeline is enough to keep all the men from asking too many questions.
Perhaps not at Easter
by Elizabeth VanHooren
Every year, the Easter Bunny would leave me and my three sisters a nest full of chocolate and a new set of underwear. That is, except for one year. One year we had an array of Easter eggs, new pencil crayons and skipping ropes. I don’t remember being alarmed or particularly amused at the inconsistency at that time. It wasn’t until years later, when our mother recounted that fateful Easter to us that we fully understood its importance in our family history. Memories of the Easter of 1985 bring a smile to my mother’s face, a slight sweat to my father’s brow and a foreboding to my husband and brothers-in-law. It all started one month before Easter 1985 when my father made the mistake of making an off-hand remark to my mother on how much she spent on “the girls” at Easter. “Was it really necessary?” he asked. “Do they really need presents at Easter?” “Wasn’t one chocolate bunny enough?”
....my poor father standing in the middle of the women’s underwear section... It all seemed to rub my mother the wrong way. She had, after all, looked after orchestrating Easter their whole married life without complaint. Buying presents for four girls, and keeping it all hidden till the big day, while working and still cooking a good Easter supper, was a lot of work – sometimes unappreciated work. So her response was simple. “Fine,” she answered. “I’d be happy if YOU looked after Easter this year.” End scene.
Elizabeth VanHooren is General Manager of Kettle Creek Conservation Authority
COMPLETE HEALING: A Holistic Approach to Wellness Energy, Vitality and Health
Monica Bruce has opened a new Holistic Healing Centre in the Soteria Health Centre, Room #3, 170 Wellington Street, St. Thomas. The vision for the business has been developed over time. Monica’s decision to set up her COMPLETE HEALING, Holistic Nutritional business at the Soteria Health Centre was grounded in personal experience and professional training. Monica is a Registered and Certified Holistic Nutritional Practitioner with the professional designation of RNCP. The journey to COMPLETE HEALING actually began when she was diagnosed with an illness, and she was given very limited options through the traditional medical system. Monica decided to attend the Institute of Holistic Nutrition in North York where she obtained a DeMarch, 2013
gree in Nutrition and graduated with Honours in 2006. She took the knowledge that she attained and applied it to her own healing protocol. In doing so, she healed herself with a very holistic approach. Monica knows firsthand what it feels like emotionally and physically to deal with a diagnosis, where sometimes the treatments are worse than the disease itself. Today, she offers Individualized Nutrition Analysis, Drainage Protocols and Avatar Bio-Meridian Feedback Assessments. Avatar Bio-Meridian Feedback Assessment The Avatar Bio-Meridian Feedback Assessment is a method of assessing energy imbalances in the body on electrical measurements taken at specific acupuncture points. This data is then processed by a sophisticated database which gives Monica the information she needs to decide on the course of the treatment. Let us find your energy imbalances in your body and set a plan of treatment to overcome these imbalances. To discover all the benefits of holistic healing, call 226-927-6978 or visit www.completehealing.ca.
Avatar Session BioMeridian Feedback and Individualized Nutrition Analysis $198 Value
99
$
limited time Supplementation Extra
+HST
Monica Bruce,
RNCP Soteria Health Centre, 170 Wellington St., Room #3, St. Thomas
226-927-6978
www.completehealing.ca
completehealing@hotmail.com
Open : Monday 9am-5pm, Wednesday 9am-5pm, Friday 9am-5pm or by appointment (after hours)
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LIFESTYLES Time On My Hands
Students today need a full-spectrum resumé Your whole life is in the spotlight.
by Duncan Watterworth
When I applied to law school, long ago, they looked at my marks and my LSAT score. Nothing else. Life was simple then. Luckily for me, they didn’t want a list of my youthful accomplishments and interests, or my record of volunteerism and community involvement. I might not have fared so well. And they didn’t try to plumb my psyche for exemplary personal qualities. I might have come up short there, too. My only activity in high school was football, and I was certainly no star. I did put some cranky opinion pieces and angst-ridden poems in the student newspaper, but I’d rather not dwell on that. My resume could have trumpeted my appointment as a prefect – a glorified hall monitor. There was some cache to that. But it didn’t last long. I caught a shy girl waiting out the lunch hour alone in an out-of-bounds stairwell, and I threw her out. Then I quit the job. Law enforcement wasn’t my thing. The rest of my youth was spent in unstructured activities – things that should never show up on Facebook, let alone a resume. Resume building was furthest from my mind. But it is very different today for students applying to professional schools,
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as I learned when my daughter Brooke applied to pharmacy school. They examine your life. Then they cut you open and try to peer inside. In addition to marks and work experience, the pharmacy application wanted a list of her accomplishments, awards, volunteer work, hobbies and interests. Then they wanted an essay on why she would make a good pharmacist; she had to decide on the desired qualities, and provide evidence that she had them. Next came the interview. It was a “blind interview” – meaning that the three interviewers knew nothing of her marks, application information, or background. She was a blank slate. Their job was to question her, and rate her for numerous qualities. Her job was to guess which qualities, and demonstrate them. And before the questions started, Brooke had to make a five to ten minute presentation. It was her opportunity, the instructions said, to “impress the interview panel with your passion and enthusiasm . . . The floor will be yours.” The instructions suggested, “Students typically focus on one major area of importance to their life . . . You might choose a hobby, skill, project, travel experience, personal challenge . . . Be creative and innovative.” There was a rumour that one kid played a musical instrument in hopes of impressing the panel. Gutsy to hang your future on that. Brooke decided to run with two topics – her competitive basketball and her interest in travel. Brooke figured the interviewers wanted team players. She explained that she had been on all kinds of teams, sometimes the senior player and sometimes the newbie. Check. She had worked well with a diverse bunch of coaches. Check. The panel wanted leadership experience, and basketball had provided that. Check. They wanted a history of volunteerism, and a compassionate nature. Brooke described her month volunteering in a rural hospital in Cambodia a couple summers ago. Check, and check. And so it went. Brooke hadn’t spent her life intentionally building a resume, but when the time came, she was glad to have some ammunition. Young adults today face a tough market for their first jobs, or entrance to professional schools. Much tougher than my generation faced. I didn’t need a full-spectrum resume. It seems that now you do.
160 Burwell Road, St. Thomas 519-631-5502 30
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Duncan Watterworth is recently a retiree and empty-nester in St. Thomas
March, 2013
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March, 2013