Your Business. Your Community.
HOP RIGHT TO IT! Brewery gets busy with beer Cover story: Page 3
Volume 7, No. 5, January 2017
PAiD ADvErTOriAl
Jackpot City makes the transition to an E-Gaming facility
Jackpot City, formerly Bingo Country, located at 140 Edward Street in St. Thomas made the transition to become an E-Gaming facility and went live December of 2013. We still offer traditional bingo with dabbers but also offer electronic bingo and a Tap Tix lounge. As part of our revitalization we now have a full service kitchen inclusive of a liquor license. Our
January, 2017
lounge offers two large televisions, a fireplace and very upscale comfortable seating, sit back, relax and enjoy yourself. We facilitate Birthday & Corporate parties and offer a senior event at any time, booking one of these events is like hitting the easy button. We have also launched a Charity program which offers fundraising access to local organizations that are not part of the day to day fabric of the facility. The Port Stanley Wave Synchronized Skating Team will be hosting our next event on February 5, 2017 at our 12:30 pm session. This program offers our $28 package for $15 with 100% of the proceeds from the ticket sales going to that organization. Just aroundthecorneristheintroduction
of Off Track Betting, watch for the launch of that program. Drop in and experience one of the many Gaming products our One Stop Facility has to offer, something for everyone in your group. To learn more about what is happening here at Jackpot City or to take an online virtual tour simply log onto www.jackpotcitygaming.ca
E L G I N T H I S M O N T H 2
Selling craft beer in a Blue Light town by Terry Carroll
The early years in a converted garage at the back of The Wine Station in St. Thomas were sometimes tough for the four managing shareholders and their small band of investors at Railway City Brewing. True, craft beer sales were on the rise. Their marketing was intended for a wide audience and they were working with strong local railway themes. They knew they were producing good, original, craft beer. Heck, they were starting to win awards. But it was a slog to gain local acceptance. St. Thomas, with its blue collar traditions, was a Blue or Bud kind of town. A change in taste might mean a switch to Blue Light. Fortunately, the original investors didn’t give up. Today, Railway City Brewing products are available at 400 LCBO stores, 150 Beer Stores and 70 grocery stores in Ontario. Several things changed in a fairly short time to make this possible. Demographics shifted, as demographics always do, and a younger, hip group of beer drinkers were interested in flavours that went beyond Blue and Bud. The bigger brewers got in on the action with brands like Alexander Keith and Rolling Stock and Rickards Red which expanded people’s palates. Once that door was ajar, craft brewers kept prying it wider, expanding the taste sensation in many directions. With the changing tastes came a change in language. Beer talk went from variations on, “Want another one?” to speaking of pairing with various foods, as vintners had been doing for years. Some of the descriptions of craft beers started to sound not unlike previous language reserved for wine. Here’s how Railway City’s Double Elephant is described on the company’s website: Style: Imperial India Pale Ale | Body: Full | Aroma: Pine, strawberries, pear | Taste: Herbaceous, candied cherry, warming & staggeringly bitter. Language is key to much of the success at Railway City Brewing. Ask vice president of sales and marketing Paul Corriveau to tell you the single most important thing about Railway City Brewing, and he will say, “A core group of people created an interest in beer and the story beer tells.” The use of “Railway City” in the name of this award-winning brewery set the stage for not only recalling the proud railway heritage of St. Thomas but also for telling a lot of stories and creating a
wide range of craft beers that play off and with that tradition. Most notably the brewery’s biggest seller, Dead Elephant Ale. And its cousin, Double Dead. Both, of course, have their genesis in the fact that P. T. Barnum’s elephant, Jumbo, died on September 15, 1885 (aged 24) in St. Thomas after he was struck by a locomotive. According to Corriveau, the creation of a new beer begins with the reason they’re brewing the beer, and what he calls the “flavour profile”. They Darryl Lawrence (General Manager), Matt Janes (VP Finance), John Peart kick around some names (President) and Paul Corriveau (VP Sales and Marketing) in the tap room at before they turn it over Railway City Brewing. to the beer team to fulfill that flavour profile. In the case of the recent Ex- Not only is the Edward Street plant the main brewpress India Session Lager (note how much more ing, shipping and office location, it also features a intricate these names are than Blue or Bud), Cor- tap room open every day of the week for people riveau says they were looking for beer that was to stop in for a unique beer experience and a bite sessional (lower in alcohol than, for example the to eat provided by one of several local restaurants. two Dead Elephants, so a person could consume Railway City Brewing participates in wine and more in a session), not as hop-intensive, with citrus food shows, festivals, rib fests, ball tournaments, notes and a cleaner finish than India Session Ales. sponsors live entertainment nights, partners with The word Express invokes the great railway era and charitable causes like United Way and Movember, also something coming at you in an exciting way. and customizes sleeves on cans for organization as The graphics on the can explode in a starburst that varied as the London Majors and the CN Tower. evokes the big top (a Jumbo connection) and the It’s consistently an award-winning business, and choice of a retro font completes the circus poster its staff count now numbers “in the mid-twenties,” theme. Corriveau says. A lot of art and a certain amount of science goes If acceptance was a little slow in a Bud and Blue into each new craft beer. But Railway City Brewing town in the beginning, things have changed radiis also a business that has grown with the energy of cally since the early years when Railway City’s craft a locomotive. To make that happen requires brew- beers sold more in the Toronto area than locally. ing, quality control, canning or bottling, labeling Currently, the majority of sales are within an hour’s or sleeving, storing, shipping, accounts receiv- drive of St. Thomas. But the managing shareholdable, accounts payable and marketing, marketing, ers aren’t going to stop at that. Their next whistle marketing. (The most successful way of attracting stops could be across Canada and even internaAmerican tourists has been a small blue sign on tional. Highway 401). Once the Express gets going, why apply the When the brewery left its original 2,400 sq. ft. brakes? garage in downtown St. Thomas, and moved to 13,000 sq. ft. on Edward Street, at first the space Cover and page 3 photos by Mike Maloney seemed enormous, but now it’s barely large enough.
Elgin This Month Section Editor Business Beat – Bob Hammersley Freelance Editor Terry Carroll Sales Supervisor Geoff Rae
Advertising Consultant Greg Minnema Layout Janine Taylor Production Metroland Media Group
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 January, 2017
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3
INNES As I See It
Should a moose be called an “it”?
The definition of what is ‘safe’ is growing broader, and interestingly, this increasing sensitivity to any Emotional ‘safety’ and the creating of ‘safe space’ and all distress, is starting to have a backlash. has become a concern of our time. And the question To this end, one can’t help but reflect on the outis being raised (in some high profile situations) as to come of the recent US election as Donald Trump, just how far such sensitivity ought to be stretched, berated by the media (rightly or wrongly) for his and what regulatory body, in what situation, should “insensitive” and “divisive” mannerisms and beliefs, be tasked with defining the nature of a violation. was nonetheless duly elected to the office of presiThis topic of ‘safety’ and ‘safe space’ addresses those dent. It is a phenomenon that begs the question, emotional and physical realties that hurt; and in- “What constitutes a sense of safety … and is it revolves such issues as verbal abuse, domestic violence, ally all about being sensitive to everybody all the work place bullying, and cultural insensitivity. time?” That election process was indicative as to how difficult it is to box and label insensitivities, as well as investment • insurance • retirement and tax planning symptomatic of how challenging it is to enforce and restrict them. Highly prominent in the media these days are the struggles over appropriate and inclusive pronouns. The inherent safety issue is that the careless use of a pronoun can be insulting, insensitive, or at the very least, by Jim Innes
After-Tax Financial Planning www.farrowfinancial.ca
New features every month Visit our website features and blog for timely investment and financial planning topics. www.farrowfinancial.ca
distressing to those who see themselves as more, or less, than the pronoun suggests. And over time, and left unchallenged, the continual use of an improper pronoun can lead to stereotyping and discrimination (or even harassment), systematically undermining a person’s sense of self. However, the attempt at sensitivity can be arduous. And too often, it can be absurdly confusing. For example, the task of describing those in the LGBTQ community has seen the rise of hundreds of proposed options and apparently one prominent writer sincerely suggested that the English language “would benefit from thirteen genders, including two indefinite, or common gender, pronouns [whatever that means].” Safety sensitivity is not an easy mark to hit. And in addressing these problems, we must take into account such ongoing controversy as found in the provocative arguments of U of T’s tenured professor Jordan Peterson. He objects to the Canadian government’s Bill C-16, (which proposes to outlaw harassment and discrimination based on gender identity and gender expression under the Canadian Human Rights Act and the Criminal Code). He believes it has grave freedom of speech implications and, as I read his arguments, makes us vulnerable (morally and legally) to someone construing our words as ‘directly or indirectly’ offensive. It might here be argued that one person’s safety could quite possibly (and highly likely) be another person’s threat. Our worlds are not coloured in black-and-white (a metaphor that could fire up some folks’ ire) but too often our choices are between shades of grey. All voices need to be heard. The other’s safety ought to be a goal we all try to accommodate … the operative word being try … under the condition that this doesn’t risk our own sensibilities and creative expression. As I see it, the swinging pendulum (of what is and isn’t safe these days) must not be stopped from moving between the extremes. Because it is in those extremes we learn about ourselves, and empathetically join in the common goal of living life with joy and in peace.
• Farm Drainage • Bulldozing • Brush Cutting
Jim Innes is a clinically trained therapist and, until a recent transfer, was a priest at St. John’s Anglican in St. Thomas. Learn more at jiminnes.ca.
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FREE ESTIMATES — QUALITY WORKMANSHIP T: 519.644.2641 • F: 519.644.2640 www.farrowfinancial.ca • admin@farrowfinancial.ca 14107 Belmont Rd., Belmont, Ontario N0L 1B0 January, 2017
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E L G I N T H I S M O N T H 4
Business & Community LEADERSHIP
Life, work and relationships all matter by Doug Lester
Everything in life runs in cycles. As farmers know there is a time to plant and a time to harvest. As you begin 2017, it is important to assess the seasons of your life, work, and relationships. You can waste good seed or do serious damage when you don’t pay attention to the seasons. Some time ago we invested time and energy in an ambitious marketing program for our business when personally and professionally we needed to hibernate. The investment was wasted and we still had to find the quiet space to reassess and renew before moving forward. Each relationship has a season. Some are in spring
with new energy and unlimited possibilities. Others are in full bloom and all that is needed is to bask in the warmth. Some are coming to an end, and, like a stock investment, now is the time to harvest the rewards. Some are in winter and are either dying or needing time to hibernate. Some friendships and work opportunities are seasonal; some are perennial. You will be disappointed if you expect a seasonal opportunity to continue on without further seeding and cultivation. You will do damage if you start digging up a perennial opportunity rather than just allowing it to find its own rhythm. In our coaching work, we help people look at what is trying to happen in life, work and relationships.
As you start a new calendar year, assess your relationships with family, friends, and professional contacts. Assess the needs of your business or organization. Let the concept of seasons help you so that you don’t treat every opportunity as if all that is needed is a little more determination and a new resolution. As Ecclesiastes states, “There is a time for everything, and a season for every activity under the heavens: a time to be born and a time to die, a time to plant and a time to uproot, a time to kill and a time to heal, a time to tear down and a time to build, a time to weep and a time to laugh, a time to mourn and a time to dance, a time to scatter stones and a time to gather them, a time to embrace and a time to refrain from embracing, a time to search and a time to give up, a time to keep and a time to throw away, a time to tear and a time to mend, a time to be silent and a time to speak, a time to love and a time to hate, a time for war and a time for peace.” One size does not fit all. As you begin 2017 take time to thoughtfully assess the seasons of your life, work, and relationships. Cheryl Lester and Doug Lester—individually and together—making a difference through leadership coaching and development, writing, and speaking. Co-authors of 12 Steps of Self-Leadership. eagletreeleadership.ca.
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kjackson@elgincfdc.ca 5
BUSINESS & COMMUNITY Tourism
The Chique Shack Boutique – A stylist at your fingertips
by Katherine Thompson
Style is in Tiffany Richter’s blood. Childhood summers spent working at her grandmother’s clothing store in Southampton cemented her love of fashion and led her to pursue a diploma in Fashion Merchandising from Fanshawe College. After graduation, Tiffany went to work for a major Canadian fashion retailer, and her natural aptitude helped her to quickly rise through the ranks. She spent eight years with the organization and was responsible for opening up new store locations across the country. Tiffany knew that she eventually wanted to be her own boss and to put her talents for fashion and styling into her own platform. She began to scout locations to open her own boutique. As part of her previous role in the fashion industry, she was responsible for understanding the economy and forecasting how communities will grow over time. She wanted to find a location that would make running a small, one-of-a-kind clothing boutique viable. Tiffany’s grandmother had since retired and moved to Port Stanley where she had opened up another clothing store called “Tiffany’s” in
honour of her beloved granddaughter. Tiffany was familiar with the small portside village from visiting her grandmother and was able to see the potential for growth in the community. March 2017 will mark the eighth year that Tiffany’s own boutique, The Chique Shack, has been operating in downtown Port Stanley, providing loyal customers with high quality clothing and exceptional service. The store began by selling quality resale items hand selected by Tiffany herself. Now with a mix of new and resale items, she maintains her commitment to offering garments and accessories that she has selected based on their uniqueness and high quality construction. As a busy wife, mother and
business owner, Tiffany strongly believes that clothing should not only look great but also be functional. She wears what she sells and embraces the philosophy that you can look great and be comfortable at the same time. Continued on page 7
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E L G I N T H I S M O N T H 6
BUSINESS & COMMUNITY Tourism
Continued from page 6 Tiffany strives to make a visit to The Chique Shack Boutique a unique and pleasant experience for her customers. From the store’s layout and presentation of merchandise to personalized customer service, she wants to make her location a departure from the standard shopping experience. Most women go into a mall and find that everything is too small and too tight. Standard clothing store marketing is designed to sell to a smaller, younger demographic which according to Tiffany doesn’t reflect the reality of the population. “Price point and wearability are key considerations when selecting merchandise for my store,” says Tiffany. “In a world of high-end, highpriced boutiques, I offer a successful range of affordable fashion for all ages and sizes.” A visit to The Chique Shack is like having a stylist at your fingertips – completely free of charge! Tiffany
uses her expertise to interact oneon-one with her customers helping them to select the items that best suit them. “Because I am a confident dresser myself, based on understanding my own body type and how to best flatter my shape, I see that instantly for my customers when I’m styling them,” says Tiffany. “That’s what makes the whole Chique Shack experience different. I have an eye to flatter the body and a sense of style that is for a modern woman who wants the ease and comfort of looking fabulous every day!” Like and follow The Chique Shack Boutique on Facebook and Instagram for more information and some stylish fashion inspiration. Katherine Thompson is Marketing & Communications Coordinator with The County of Elgin
Happy New Year & All the Best for 2017!
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E L G I N T H I S M O N T H 7
Business & Community OUR COMMUNITY
Mushy moderate can’t find safe haven this could be a relatively calm 12 months of debating the isJanuary is traditionally a time for looking back sues and making some imporand looking forward, so here goes. tant decisions. Emphasize the Writing in this space last January, I bemoaned ‘could’. the general negativity and rudeness of social meThe year to fear is 2018 when dia debates, especially in politics. The recent fed- we will be subjected to two eral campaign had been brutally long and nasty. elections – provincial and muI found myself attracted to the “sunny ways” of nicipal, in that order. A year the eventual winner, Justin Trudeau. later, we will participate in (or Admit it, we all loved his response to the ques- be subjected to) the federal tion of why he appointed a gender-balanced cab- election. Given that all parties inet. Because it’s 2015. Well, now it’s 2017 and are in permanent campaign the sunny ways are predictably a little dimmed. mode, expect 2018 to be a confusing mess of Add to that the interminable and jaw-dropping political branding and outright character assasU.S. presidential election that had the entire sination. world transfixed, and there’s little reason to beSomeone put me out of my misery now. I lieve the political discourse is about to be elevat- would consider a year-long sabbatical to another ed any time soon. country, but the U.S. is currently unfriendly terOne ray of hope for 2017 is that, here in On- ritory for a bleeding-heart liberal like me, the UK tario at least, there are no scheduled elections at will be busy Brexit-ing, France will have chosen any level. Despite the fact that the federal Con- someone from the far-right or extreme far-right. servatives and NDP will be choosing new leaders Even Iceland has given something called the Piand the provincial PCs will be putting all of their rate Party the balance of power. candidates in place before the end of the year, Is there no safe haven for a mushy moderate like me? Quite apart from the obvious aggravation of living through these campaigns, the real concern is the impact it has on our economy and on the public purse. Federally and provincially, the tendency is to open the purse-strings in advance of elections. There is an orgy of cheque presentations for months leading up to the election. Campaign books bulge with promises for new investments and programs; many of them are good ideas but just as many are written in nonpermanent ink. Municipally, the opposite is often true. Money doesn’t get spent. Needed infrastructure investments tend to get delayed. No one wants to be 545 Talbot St., St. Thomas accused of raising property taxes. Only 519-631-1680 at the municipal level www.stthomas.ca is there such a direct by Serge Lavoie
Mayor Heather Jackson
& the members of the St. Thomas City Council would like to take this opportunity to wish you all a Happy, Healthy and Prosperous New Year
January, 2017
ELGIN THIS MONTH
and transparent connection between expenses and taxes. Election cycles have a real impact on municipal operations. Not just the municipal election cycle, but the provincial and federal cycles as well. Case in point. The City of St. Thomas recently posted a 10-year Infrastructure Capital Plan. It’s an important bit of forward planning for the renewal of our streets, sewers and water mains. Residents can look up their streets and immediately learn when, or if, they are scheduled for renewal. The document is backed up by considerable analysis, prioritization and an exhaustive inventory of the city’s infrastructure assets. This is good planning backed up by hard facts. Nothing can go wrong, right? Well, apart from the usual unforeseen mishaps that could force a change in priorities, the document is susceptible to some serious political pressures. First, you and I as residents could lobby to get our streets done faster (mine is scheduled for 2022 and I would like it faster, but I promise to be patient). Second, come time for annual capital budget approval, municipal representatives could get cold feet when they see the price tag and vote to defer some or all of it. Just as likely, provincial and federal election results could have a serious impact on the amount and timing of infrastructure funds available for transfer to municipalities. So much for 10-year plans. Elections and election campaigns matter. They are increasingly based on polling, branding, positioning and not so much on real public need. They almost always impair long-range planning and prudent decision making. And since the polling, branding and positioning approach to politics seems to work, at least some of the blame for the inefficient use of our tax dollars has to rest at our feet, the electors. Serge Lavoie has a 35 year career managing associations. He is currently president of On Track St. Thomas. He lives in St. Thomas.
8
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• JANUARY 2017 •
ST. THOMAS UNCORKED IS ALMOST SOLD-OUT! – Last call on tickets / waiting list now open
Chad Ghattas from Lynhurst Esso was the winner of a $100 gift certificate from Berry Hill Limited at the December Chamber Business After 5 at St. Anne’s Centre. (Photo courtesy of Photos by MG).
January Business After 5 Date:
Wednesday January 18, 2017
Time:
It’s a guided wine tour around the world, and it’s called St. Thomas Uncorked – our annual BIG night with BIG wines. The 2017 edition will be Saturday January 21, 2017 at the St. Thomas - Elgin Public Art Centre, downtown at 301 Talbot Street, from 7:00 p.m. – 10:00 p.m. Tickets are approaching sold-out but it’s entirely possible that some people may have to change plans, so our Member Services team is still welcoming ticket orders for remaining tickets and will build a waiting list we can use for filling any last-minute changes. To check on available tickets, there are two options. Visit our website at www.stthomaschamber.on.ca and place your order through our electronic box office in the Events section. If tickets are still available, no problem. Your order will be taken, payment accepted and a receipt issued by return email. If you try to order online, and the system rejects your order, that means our event is full. In that case, just call Christy Hunking at the Chamber office at 519-631-1981 extension 526, and we will add your name and request to our waiting list. If you have previously placed a successful order and wish to add or subtract tickets, we can accept changes via phone, email or in-person until close of business at 4:00 p.m. on Friday January 13. After that, we have to make firm arrangements for all food and beverages. If you’ll be joining is this year at Uncorked, here’s what
Doors Open at 5:00 p.m. Sponsor Remarks & Prize Draws start at 6:15 p.m.
Local produce year-round
The Urban Farm was just one of the exhibitors at the December Business After 5. Buy fresh vegetables, greens and herbs even in January from this new hydroponic farm located at 150 Burwell Road in St. Thomas. No produce is harvested until it is ordered, insuring freshness and high nutritional value. (Photo courtesy of Photos by MG).
Site:
Talbotville Berry Farm Market 11054 Sunset Road, Talbotville Plenty of valuable door prize draws including Market gift baskets plus a one-nite Holiday Inn Suites gift card. Free Admission to all personnel from any organization that is a Member of the St. Thomas & District Chamber of Commerce.
Report on RRSP’s and Investing
Business Beat Table of Contents Page 10 ......... Business trends Page 11 .............Chair’s report Page 12 .......... Legal Business Page 13 ........... India this fall! Page 14 ..................New book Page 15 ...........New Members Page 16 ...........Prov. overview January, 2017
to expect: It’s going to be a fun and entertaining night. We’re very grateful that TD Canada Trust returns as our main sponsor of this event, joined by our food sponsor the Real Canadian Superstore, and by our table sponsors – Michael Clark Construction, Dowler-Karn and the Comfort Inn. St. Thomas Uncorked has been a sellout every year since we launched this wine tasting and art appreciation event in 2012. Beyond the wine and abundant food there will be a large Silent Auction and door prizes. Quai du Vin’s resident sommelier – and recently-crowned Ontario Grape King, Jamie Quai, returns as a member of our Member Services Committee’s organizing group. Jamie specializes in wine and food pairings using the 16 different wines to be featured this year. Our wines will all be products available locally through the LCBO, and we will proudly feature a selection of reds and whites from local, national and international wineries. The wines will be served initially in a “blind” form and identifiable only by number. As the evening progresses, the name of each wine will be revealed. It’s entirely possible you could find a new favourite or two! Thanks to the generous sponsorship support of the Real Canadian Superstore, our guests will enjoy a wide variety of fruits, cheeses and hors d’oeuvres prepared to complement the wines we offer.
A special feature in the February edition of Elgin This Month
Greg Minnema, Advertising Sales
To take advantage of excellent advertising opportunities like this, give me a call at 519-633-1640 (ext. 222) or email me at gregthismonth@theweeklynews.ca
February Edition Advertising Deadline is January 17th
Business Beat ELGIN THIS MONTH
9
Viewpoint
Five business trends to watch this year
by Christina R. Green
It’s that time again … time to focus on a new year. With 2016 seen as a roller coaster of upsets and it has a lot of people nervous about what’s on the horizon in this country and the global economy. 2017 is bound to be an exciting year. Here are five business trends that are likely to have the largest effect on your organization: 1. The freelance economy Forbes recently published an article that referenced a large-scale survey of the growing freelance (or gig or contractor) economy. While there are no Canadian stats in the article, it’s safe to assume some parallels – especially in the light of exponential growth. It was expected the number of U.S. freelancers would reach 55 million in 2016, up 1.3 million from 2015. That means freelancers now make up 35% of the U.S. workforce. What does this mean for your business? One, it probably means you will be working wth contractor help or freelancers in the future. Freelancers can help you extend your offerings for less money than a permanent hire. It also means there’s a good likelihood that talent will continue to leave the traditional corporate setting and your contracted “employees” may be people you’ve never met face-to-face. 2. Personalization for everyone Personalization is an increasing trend in market-
ing. This isn’t exactly new to 2017, but expectations are on the rise and personalizing your offerings to your audience is less of a trend and more of a must-have. So why am I listing this as a trend? Because businesses will need to embrace this growing customer expectation, and the only way to accomplish it, so that it scales, is through data. If you aren’t currently collecting data on customer preferences and activity history, you need to be. Everyone is looking for a tribe, and personalizing your sales approach and customer communications will make people feel like you “get” them. 3. Value of content Content will continue to evolve and most businesses are starting to realize the value of it. This means soon content production will become what a Twitter stream has – lots out there, not all of it valuable. Everyone will be producing e-books, whitepapers and checklists for download. The playing field will become very crowded as marketing agencies and departments are touting this content as a necessary part of marketing today. In order to stand out in content, your pieces will need to be well-researched and answer the questions your customers and potential customers have. Written content will take on a much more professional quality. Even short pieces will need to be meaty. Video will become an essential part of your content creation. Which brings us to the next trend … 4. Increased video Video is hot but will become hotter. With opportunities on platforms like Facebook Live and others, you can expect more and more businesses will embrace “teachable moments” and shares on videos. There will
be more of a focus on “real” and “transparent” than fully produced, commercial pieces. You can expect a lot of “in the moment” video captures. It’s a way of drawing your audience in, solving their problems, and being a resource for them. It’s also entertaining and that’s a major part of this trend. People want infotainment. They want to be entertained and they want information. If you can give them both, they’ll be more likely to share and enjoy your pieces. Remember, people want to do business with people they know, like and trust. 5. Everyone gets a trophy Business people lament the issues with giving everyone a trophy in children’s sports because of the expectations this sets, but as the oldest wave of millennials begins to hit their mid-thirties and takes on more manager roles, we’ll start to see a kinder, gentler business atmosphere that offers a lot of opportunity for team projects and mentor programs. We can also expect a lot of change in the feedback process. Once-a-year reviews will fade into obscurity and be replaced with more consistent feedback. Millennials have a desire for every voice to be heard and this may become a source of frustration on the part of Gen Xers who just want to get the work done. Getting prepared to rock 2017 What can you do to prepare your business for these trends? Decide how they fit into your business goals and strategy. Don’t produce content because this article says it’s important. Instead, look for ways to create things that will be helpful to your audience and be aligned with your business goals. While none of these are “flash in the pan” trends, it’s important to embrace them in a way that works for your business and audience.
Business Beat Published by Metroland Media Group Ltd., and delivered to businesses in St. Thomas and Elgin Country 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.ca Website: www.stthomaschamber.on.ca
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January, 2017
President & CEO Bob Hammersley Accounting Coordinator Susan Munday Member Services Christy Hunking Member Services Barry Fitzgerald
St. Thomas & District Chamber of Commerce 2016 Board of Directors Chair: Dan Kelly, CPA, CGA Dowler-Karn Ltd. Vice-Chair: Robert Furneaux Gorman-Rupp of Canada Ltd. Treasurer: Mark Lassam, CPA, CA Lassam & Co. Past Chair: Ross Fair Fanshawe College Director: Ray Bosveld HollisWealth Director: Kathy Cook World Financial Group Director: Sean Dyke St. Thomas Economic Development Corp. Director: Brian Helmer Reith & Associates Insurance & Financial Director: Kevin Jackson Elgin Business Resource Centre Director: Phil Mauer Phil Mauer & Associates Inc. Director: Ginette Minor Alexelle Slipcovers & Décor Director: Joe Preston Wendy’s Restaurant Director: Bob Ward The Auto Guys
E L G I N T H I S M O N T H 10
Chamber News
Chamber Chair’s year-end report The Chamber’s 2016 Chair of our Board of Di- to their websites or place advertisements on our but within the greater communities of the Onrectors was Dan Kelly, Chief Financial Officer at site. Our social media presence continues to be tario Chamber of Commerce and the Canadian Dowler-Karn Limited. Dan delivered the text be- an important vehicle to communicate with the Chamber of Commerce. Congratulations Bob, low to summarize our activity over the past year at greater public. Participation in our Members-on- and thank you for what you have done for us. the Chamber’s 147th Annual General Meeting on ly Facebook group grew by 21% this year, while As the Voice for Business, we must continue to November 30, 2016. our Chamber Facebook page advocate on behalf of our Members, not only at In looking back at the conow has been liked and is fol- a local level, but also provincially and federally. lourful and varied history of lowed by over 700 people. We must continue to push for legislation that althe St. Thomas & District One of my goals for this lows business to flourish and create permanent, Chamber of Commerce, one past year was to increase the well-paying jobs for our community. The future must look at how our comprofile of the agricultural sec- of our community relies on a strong economic munity has developed and tor of our Chamber. To that climate, including a regulatory environment that changed over the course of end we were very happy to fosters job growth along with competitive tax the past 147 years. From a participate with other Cham- and hydro rates. community that grew as a bers in our region in the reWe have achieved much this past year, but this railway hub in the middle of cent Agri-Net event hosted is only part of the process during this time of a strong agricultural region, by the London Chamber of transition for our business community. However, we have embraced change Commerce. With 10 of our the future looks bright for our Chamber, and I through the industrial revoMember companies enroll- for one am very excited to see what the future lution, the impact of two ing as exhibitors, the St. holds. Our community has continually proven world wars, the growth of Thomas & District Cham- to be both resilient and strong, two traits that Dan Kelly, 2016 Board Chair the automotive industry, and ber of Commerce stood out will hold us in good stead as we continue to journow we find ourselves in the midst of another among the other regional chambers at an event ney into the next decade. challenging period of transition and diversifica- that has been considered a success by those who Kindest personal regards to all. tion of the employers who make up our com- attended. Respectfully submitted, munity. One of the strongest attributes of our Chamber Dan Kelly Through all of this, our Chamber has survived is the breadth of people who continue to support 2016 Chair, Board of Directors and thrived as the Voice of Business, and this year us. My relationship with the Chamber dates back St. Thomas & District Chamber of Comwas no different. In the face of these challenging over 25 years, and throughout my time we have merce times, this past year has presented us with signs always enjoyed an of renewal and growth, with strong indications active membership, these trends may be sustainable. with individuals who Our market place has seen a decline in busi- want to be involved nesses since 2009, from over 1400 to slightly less and provide their than 1100, with our Chamber seeing a similar talents to the betterdecline from over 600 member businesses to just ment of our organiover 500. However, encouraging is the addition zation. To our board, of 59 new Members this year, and although we to those on our comhave also lost some Members this year, the ma- mittees, to our Memjority of the new additions have come since the bers who continue to additions of Barry Fitzgerald and Christy Hunk- support our events ing to our staff. The energy and creativity they and activities, I wish Business Plans • Management Consulting have brought to the Chamber has infused some to offer my heartfelt much-needed enthusiasm into all we do. thanks and appreSmall Business Services • Bookkeeping Services Signs of renewal can be found within a break- ciation. Without your Estate and Trust Returns down of our revenues during the past year: continued support, Business Succession Planning - Membership dues revenues are up 4.3% to our Chamber simply $141,460 would not be able to Our Knowledgeable and Friendly Staff - Non-dues revenues from projects, events & serve our community have the experience and training to help you with activities jumped 51% to $63,000 as it does. all your accounting and taxation needs - All major events enjoyed improved financial On a personal note, performance in 2016 I was very proud to • Business After 5 be on hand to hon• Free Enterprise Awards our our President & • St. Thomas Uncorked CEO, Bob Hammer• Annual Members Golf Day, which oper- sley in recognizing his ated for its 43rd consecutive year 30th year of dedicated - Green Mail advertising revenue doubled and service to our Chamdelivery of the newsletter connects with over ber. His dedicated 2200 people each week contributions to our Our Chamber worked hard this year to en- Chamber and to the Mark Lassam, CPA, CA hance our online presence to our members and St. Thomas & Elgin 115 Curtis Street, St. Thomas community. Our new website was launched this County community past summer, which has enhanced the abilities go a long way to el519-631-1631 of visitors to our site to easily locate the infor- evating the profile mark@lassam.ca mation they are searching for, while offering of our Chamber, not opportunities to our members to link directly only here at home,
Commitment to Excellence
January, 2017
E L G I N T H I S M O N T H 11
Legal Business
Three Dog Nightmare A recent decision of the Court of Queen’s Bench of Saskatchewan dealt with the issue of custody and division of property after a separation of spouses. While the court’s ruling, given the current state of the law throughout Canada, is unremarkable, the case has garnered attention from such publications as The Washington Post and the Guardian. The case, as they say, has gone viral. Why? Three reasons: Quill, Kenya and Willow, the family dogs. Suzanne and Kelly married in June, 2000. Prior to their marriage, a cohabitation agreement was signed. The agreement basically provided that whatever property each party owned before the marriage would remain their property. Property acquired during the marriage would be treated the same way, unless the property was designated as joint property. Other potential issues were addressed as well, but the agreement did not address the question of custody or possession of pets upon separation. Suzanne and Kelly did not have children, but over the years, acquired a number of pets, including cats and dogs. It seems, particularly with respect to the three dogs, their pets were treated as members of their family. When the parties separated, the three dogs went to live with Suzanne’s parents, on an interim basis, until their permanent home could be established. Kelly started an application for what is known
as exclusive possession of the dogs. In other words, the judge could treat them in the same manner as other property. Suzanne, however, launched a very different application. Justice Danyliuk described the position of Suzanne as more akin to a custody application than one regarding property. She sought an interim order that Quill, Kenya and Willow reside primarily with her, and an order that her husband be entitled to exercise reasonable access to two of the dogs. (Quill, it seems, was on his last legs) She would also be solely responsible for medical, dental and dietary needs of the three pooches. Justice Danyliuk, while sympathetic to the feelings of the parties, stated: “I say without reservation that the prospect of treating pets as children would be treated holds absolutely no attraction for me.” He went on to say: “And for legal purposes, there can be no doubt: Dogs are property.” It should be noted that Justice Danyliuk’s position in this regard is consistent with the law throughout Canada, and the United States. In the end, Justice Danyliuk declined to make any interim order, but rather, encouraged the parties to settle the issue prior to trial. He stated, “To consume scarce judicial resources with this matter is wasteful. In my view, such applications should be discouraged.” So, I guess that’s it: Dogs are just property, like toasters and tools. Well, maybe not quite. In December of last
Merchant Services: Right for Your Business
year, the Quebec National Assembly passed An Act to Improve the Legal Situation of Animals. Under this legislation, pets are considered “sentient beings”, distinct from inanimate objects. If similar legislation is passed in other jurisdictions, the status of pets could conceivably be elevated in the future and custody applications, or something similar, may become more common. Moreover, it has come to my attention in the preparation of this article that a whole new area of law, known as “animal law”, is evolving. Soon, the courts may be overrun with “animal lawyers” seeking all kinds of judicial relief for their fourfooted clients. Until then, though, if you are considering a custody application in respect of old Fido, forget it; for now, at least, that dog just won’t hunt. Questions, comments and suggestions for future columns are welcomed by lawyer Monty Fordham at his office: Fordham & Brightling Associates – Lawyers, 4 Elgin Street, St. Thomas. Telephone 519- 633-4000, Monty Fordham FAX 519-633-1371 or e-mail: montyfordham@4elgin.ca
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January, 2017
Proud exhibitors
Robin and David Fleming owners of Elgin Monuments and Custom Stone Masonry proudly display the range of their products at the December Chamber Business After Five. (Photo courtesy of Photos by MG)
E L G I N T H I S M O N T H 12
Chamber News
It’s Official – Our next Chamber adventure tour will be to INDIA! CANADA - DELHI – AGRA – JAIPUR – PUSHKAR – UDAIPUR – DELHI - CANADA
TOUR SUMMARY: Experience the extraordinary attractions of north and west India and the contrasts of Old and New Delhi. Visit the wondrous Taj Mahal, sacred lakeside temples and a desert tribal village. Ride on an elephant, a camel and a romantic lake boat. Stay overnight in a palatial 17th century Palace. TOUR HIGHLIGHTS: • Explore the majestic Taj Mahal at sunrise • Climb up to the Amber Fort on the back of an elephant • Experience a special Pooja ceremony at a Ghat with a Hindu priest GUARANTEED DEPARTURE DATE: Tuesday October 3, 2017 RETURN DATE: Saturday October 14, 2017 Per person on Twin sharing basis: CAD $3199 per person CHAMBER MEMBER PRICE: CAD $2999 per person Single room supplement: CAD $899
Our previous annual tours have been wellsupported and earned plenty of positive feedback. Earlier this year, in October, we enjoyed our biggest tour to date with over 90 people touring China. Next October, we’re off to India. Our booking deadline has been set for late May. In January we will announce the date, time and location of a free information night with presentations, pictures and more. Elgin Travel & Cruises in Elgin Mall will be our business agent on this tour and handle all aspects of booking and local arrangements. Further details will be announced as they become available here in the Business Beat section of Elgin This Month, in the Chamber’s weekly Green Mail newsletter and online in the Events section of the Chamber’s website at www.stthomaschamber.on.ca
New Members Breakfast Thursday January 26
Since last July, the Chamber has welcomed over 40 new businesses and organizations as Members. To help ensure all new Members (and their personnel) are fully informed and aware of our programs, products and services, we will host a special, by invitation only, breakfast event on Thursday January 26, 7:30 a.m. to 9:00 a.m. Watch for your invitation to arrive if you’re a named representative of any business or organization that has joined the St. Thomas & District Chamber in the previous 6 months. Our New Members Breakfast is made possible thanks to the generous support of two firms with programs in our Member Benefits Bundle. Special thanks to ARC Benefits Planning Group and Reith & Associates Insurance and Financial Services.
Free Services For Employers and Job Seekers. 400 Talbot Street, St. Thomas Phone: 519-631-5470 Text: 226-376-0320 160 Main Street, West Lorne Phone: 519-768-0020 Text: 226-376-0393
www.employmentserviceselgin.ca January, 2017
E L G I N T H I S M O N T H 13
Pro Text
Home Insurance Simplified: The Facts You Need to Buy the Right Policy
educated buying decision. Basing one’s buying decision solely on price can be perilous. For many homeowners, the idea of home insur- Home insurance policies are complex legal ance simply feels like an added expense in spite of contracts that even some insurance professionals are not entirely clear on. their home being much more For that reason, I have written than the mere materials it is an important work that serves made of—it is where one turns as an educational tool providfor warmth, security, and timeing an insider’s perspective on less memories. home insurance: Home InsurThroughout my twenty-five ance Simplified: The Facts years of practice, the one conYou Need to Buy the Right stant is the consumer’s consterPolicy. With this information, nation over the cost of home a homeowner can be armed insurance. Perspective changes, with insider knowledge to ashowever, once time is taken to sist them in purchasing the help them understand exactly insurance policy that is a right what is protected and how the fit for them. policy can save their family With Home Insurance Simfrom the inconvenience and plified, you can find easy-toindignity of an uninsured loss. follow steps on how to make No family should ever have to Dan Reith, author of the new book sure one of your biggest inendure that. vestments in life is one that Consumers need to be aware of the nuances and differences that exist between will last a lifetime. The book provides easy-to-use home insurance policies, issued by each insurer tips regarding insurance, helping you understand; – no two are identical – so they can make an • How to select the best home insurance policy based on your needs, not the lowest price • Why you should take the time to o N ly understand your home insurance 2 pizzas w/ 2 toppings policy on each,10 Wings, • How the rebuilding value of your cheesy bread & 2l coke medium home is determined and why it large for $34.99 is different from appraised, assessed and/or resale value. • How to find a qualified insurance broker or provider who has your best interest in mind am 11 open at
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unregulated, how can I make sure I am getting a good deal? It is disappointing and unnecessary for anyone to purchase insurance that is ultimately going to be ineffectual and not serve as the restorative solution the consumer expects. I believe this happens because consumers choose not to learn about what they are buying and instead simply rely on price as their deciding factor. With the changes occurring in coverage, underwriting, and pricing, consumers need to take an active role in buying their home insurance and stop considering it as a passive obligation or unwanted expense. Insurance is an asset. Consumers typically spend more time researching minor purchase likes appliances, cars, or vacations than they do home insurance. Yet an insurance policy that fails to meet their expectations and provide a favourable result can cost considerably more in terms of real financial loss. I encourage home owners to seek the guidance and advice of an insurance professional – price should not be your deciding factor. With insurance, as many consumer products, one usually gets what one pays for. The book is now available for purchase on Amazon.ca in paperback or a Kindle version. You may also pick up an autographed copy at the Reith & Associates office, 462 Talbot Street, St. Thomas. This column appears regularly in Business Beat and has been submitted by Dan Reith, Principal Broker and President of Reith & Associates Insurance and Financial Services Limited, 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.
E L G I N T H I S M O N T H 14
New Members
New Members 519 Sports & Apparel 8 Devonshire Place St. Thomas, ON N5R 3M8 Phone: 519-619-8282 Email: dave@519sports.com Contacts: Dave Eyndhoven, Owner Buyers Guide Categories: Sports Equipment & Clothing, Sports Teams Uniforms, Sports, Recreation & Fitness, Promotional Products, Signs/Screen Printing Products & Services: 519 Sports & Apparel’s goal is to make you Stand Out From The Crowd by offering custom sublimated uniforms for a variety of sports teams. Avid slo-pitch players will also find a wide range of hard to find slo-pitch equipment. Beyond sports goods, they produce promotional products for businesses that include custom shirts, hats, towels and more. The Ark Property Group 185 Lake Margaret Trail St. Thomas, ON N5R 0B7 Phone: 519-862-2252 Email: matt@u-caninc.com Contacts: Matt McLennan, Operations Manager Buyers Guide Categories: Property Management, Developers Products & Services: The Ark Property Group is a property management and development company. They aim to improve the downtown core of St. Thomas by restoring, renovating and leasing a variety of older, commercial and residential properties. Destination Church 668 Talbot Street St. Thomas, ON N5P 1C8 Phone: 519-207-2676 Email: bfellinger@destinationchurch.ca Website: www.destinationchurch.ca Contacts: Beth Fellinger, Lead Pastor Buyers Guide Categories: Church, Community Services Products & Services: Destination Church’s mission is to introduce people to Jesus Christ, to help them grow to be more like Him, and then to reproduce the process in others. On-site, they have a public health approved kitchen that allows them to offer meal programs for those in need of assistance. A few other programs offered at Destination Church are Sunday services, prayer meetings, afternoon group study and Debt Center, a CAP money course. Digital Dackel 27 Vanier Place St. Thomas, ON N5R 5L2 Phone: 519-709-5546 Email: fabian@herrfabulous.com Website: www.digitaldackel.store Contacts: Fabian Boehm, Owner Buyers Guide Categories: Business Advisory Services, Business Information Services, Computers – Custom Programming, Design, Information Technology Services, Multimedia, Web Design Services Products & Services: New to the City of St. Thomas, Digital Dackel is a leading website and app consulting agency. Their focus is on website optimization and digital research, as well as quantitative analysis, assessments and mentoring. Founder and owner Fabian Boehm was recently awarded a prestigious IBM Award for his app that will help predict where dementia patients may wander to and help prevent falls. The app’s goal is to January, 2017
The St. Thomas & District Chamber of Commerce proudly welcomes the following businesses and individuals as our newest Members. Those listed below were accepted as registered Members to November 16 – December 15, 2016. Once an organization registers with the Chamber, all personnel (owners/managers/staff) within the organization have full access to all Chamber programs, projects, events and services.
decrease the number of dementia-related injuries and deaths around the world. The IBM award, valued at $48,000, will allow Digital Dackel to accelerate the app development and launch their prototype in 2017. FreshCo. 1010 Talbot Street St. Thomas, ON N5P 1E2 Phone: 519-637-8570 Email: stanko.steven7@gmail.com Website: www.freshco.com Contacts: Steven Stanko, Owner Buyers Guide Categories: Grocery/Food Stores Products & Services: Since 2010, FreshCo. has been providing a great discount grocery shopping experience for their customers with quality products of fresh produce, dairy, meats, bakery items and more, at the lowest prices possible. FreshCo. is the discount banner of Sobeys Incorporated (a 100% Canadian owned company established in 1907). There are 88 FreshCo. stores in 50 cities and towns across Ontario. Guillevin International 126 Edward Street St. Thomas, ON N5P 4A9 Phone: 519-633-8446 Email: devin.kelly@guillevin.com Website: www.guillevin.com Contact: Devin Kelly, Sales Manager Buyers Guide Categories: Electrical Contractors, Industrial Equipment & Supplies, Industrial Services, Lighting, Safety Products Products & Services: Established in 1906, Guillevin International is one of Canada’s largest distributors of electrical materials. They offer the most comprehensive range of electrical equipment: electrical distribution equipment, wiring devices, service entrance panels, transformers and TFSAs** fuses; lamps and lighting fixtures; wire and cable; conduits, ducts and raceways; and electric motors and controls. Guillevin also specializes in distribution of fire and safety products, equipment and industrial supplies.
Sub is the newest addition to the fast food choices in St. Thomas. With over 300 stores throughout Canada and Internationally, their commitment since 1968 has remained the same: selling quality subs, making them fresh and serving them fast. The Salvation Army Community Justice Services 539 Talbot Street St. Thomas, ON N5P 1C3 Phone: 519-633-4593 Website: www.cjslondon.ca Email: julia_parker@can.salvationarmy.org Contacts: Julia Parker, Executive Director; Rose Padacz, Program Co-ordinator Buyers Guide Categories: Community Services, Agencies & Associations Products & Services: The Salvation Army Correctional and Justice Services and Community Alternatives for Youth provides a safe environment and programs for adults and youth who are at risk of or involved in the Justice System. They operate as a faith-based, non-profit organization that serves all people regardless of age, race, ethnicity, personal faith or socio-economic status. As an additional service, they participate as part of the Youth Homelessness Initiative by accepting after hours 211 calls. This organization is part of the Chamber’s Safe Communities Coalition.
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Mr. Sub 930 Talbot Street St. Thomas, ON N5P 1E7 Phone: 519-631-4214 Website: www.mrsub.ca Contacts: Zini Dalipi, Owner; John Calder, Owner Buyers Guide Categories: Restaurants, Food Specialties Products & Services: Mr.
Michael Moore* Tel: 519-637-7747 michael.moore@sunlife.com www.sunlife.ca/michael.moore #3 - 9 Princess Avenue St. Thomas, ON N5R 3V3
*Mutual funds offered by Sun Life Financial Investment Services (Canada) Inc. Sun Life Assurance Company of Canada is a member of the Sun Life Financial group of companies. Life’s © Sun Life Assurance Company of Canada, 2014.
brighter under the sun
E L G I N T H I S M O N T H 15
Member News
What are we up to?
At the December Chamber Business After 5, Jane Shepherd from Corporate I.T. Solutions accepted the top door prize, a Delta faucet valued at $469, from Chris Palmer, Senior V-P Operations, Masco Canada.
Here’s a quick overview on five key activities that are focused on the work of the Chamber at the provincial level, on behalf of our Members through the Ontario Chamber of Commerce (OCC). In the weeks ahead through January and February, there is a lot to come. Health Transformation Initiative: Report IV On December 8, the OCC released the fourth report in our Health Transformation Initiative series: Care in Our Control: Managing Innovation in Ontario’s Multi-Payer Health Care System. This report focuses on how our health care system struggles to define and evaluate the value of pharmaceutical and medical device innovation, and the impact this has on both public and private payers. You can view or download this report from the Ontario Chamber website at www.occ.ca Health Transformation Initiative Action Plan This month, the OCC will release the Health Transformation Action Plan, the result of a year’s worth of research and policy analysis, and the capstone document to our Health Transformation Initiative. The report will be released in conjunc-
Crystal Underhill EXT 234 or Janet Palmer at EXT. 226
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Residential • Commercial • Industrial January, 2017
tion with a major event that frames our approach to reforming the Ontario health care system. We will share details as they are released. OCC crafting letter on the importance of Ontario - U.S. trade Another key activity slated for next month has the OCC will be sending a public letter to President-elect Donald Trump on the importance of continued and strengthened Ontario-U.S. trade. In 2015, Ontario exported over $190 billion to the U.S., while importing over $180 billion. Canada is the most important trading partner for a majority of American states. However, there are actions that can be taken to further harmonize and facilitate cross-border economic activity. For both countries, it is essential that our trading relationship continues to grow and thrive. Ontario Economic Report In February, the OCC will release its new annual policy agenda, the Ontario Economic Report. This document will contain the results of the Business Confidence Survey, the Economic Prosperity Indicator, the Economic Outlook, and outline our policy priorities for the year. Take the Red Tape Challenge and help fix out-dated financial services regulations The Ontario government recently launched its third Red Tape Challenge, focusing on the financial services sector. Businesses and the public are invited to provide their input on unclear, outdated, redundant or unnecessarily costly regulations that apply to insurance companies, mortgage brokerages, credit unions/caisses populaires and loan and trust corporations. Submit your feedback by January 31, 2017 via this website: talks.ontario.ca/redtapechallenge Last year’s Red Tape Challenge focused on the automotive sector. Read the final report on the Auto Parts Manufacturing Red Tape Challenge and see how your input helped the government start to take action on 63 items raised through the consultation. Here’s the link: www.ontario.ca/page/red-tapechallenge-automotive-parts-manufacturing-report
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E L G I N T H I S M O N T H 16
Agriculture On The Farm
Red wagon now all-season errand master
by Janine Lunn
You can’t ride in my little red wagon, The front seat’s broke and the axel’s draggin’. Once upon a time a young farm couple had their first child and dreamed of the perfect gift for his first Christmas … With some help and coaching from Dad, Grandma was able to find the perfect little red wagon for that perfect little baby on his first Christmas. Living out here in the land of gravel laneways and potholes, we had an idea that the typical mall stroller was not going to be a fit. And Dad knew that pneumatic tires were the only way to go to give our little man a comfortable ride. There were photos of the little guy in his carrier car seat tucked into the shiny new wagon, and dreams of sunny walks, future farm shows and photo opportunities galore. So why do I still smile when I see this same little red wagon in the farm yard, 12 years later, red side-guards long-gone, varnish worn, handle slightly bashed? Although, Dad will point out, pneumatic tires still holding air for that comfortable ride! The wagon has indeed travelled to plowing matches, fairs and farm shows, and carried our family, and sometimes members of other families, plus snacks, diaper bags, and innumerous trade show flyers on the subject of everything from seed corn to tractors. There were many photo opps as they practiced hauling loads of sand toys, pumpkins and gourds both for work and play. The wagon came in handy in our corn maze days, carrying supplies and tired legs when the need arose. The side-guards were endlessly fun to pull on and off, depending what load our young farmers were carrying, until one day they decided to try to “help” Dad make kindling. All kidding aside, my heart hurt for a moment when I realized the grand plans I had for the wagon had not considered the kind of mess and destruction that children can come up with! But in reality, they had grown out of the need for side-guards as now the wagon was an all-season errand master. They’ve been able to haul lumber
for fort-building (and odd jobs for Dad), it can fit a small bale of straw for bedding calves or a few flakes of hay for feed. Another system we’ve established is fitting two large watering cans to facilitate tending to our seeding trees around the property. Everyone keeps track of whose turn it is to be able to pull the wagon rather than carry pails of water! The wagon can also carry lawn chairs and supplies to the campfire, and has also been spotted with a load of unwitting animals, including rabbits and kittens at times. If I wanted to be really particular I could have kept a closer watch to insist we keep that wagon in pristine condition over the years. I’m glad it was clean enough to travel in our van for the days we ventured out, but I’m also glad our crew has had enough independent play and chore time to come up with their own plans and keep themselves busy, wagon or not. But let’s face it, a lot of things aren’t
in perfect shape and photo-ready in daily farm life, and that is definitely true in family life! The unexpected benefit of this first-Christmas gift is that its purpose has changed but the kids can still use it. I still love the image of a mint-condition red wagon, so I do hold out hope that one of our three will have a knack for building and re-finishing wood, so there may be a chance of a restoration project before they move on to bigger and better things. I’m certain there are more photo opportunities to come. Turns out we are still living the “red wagon” dream, but now with a bit more reality mixed in. Janine Lunn lives on the family farm near Belmont, Ontario.
The young entrepreneurs from Sugar Scrub Central exhibited at the December Business After 5 at St. Anne’s Centre. (Photo courtesy of Photos by MG). January, 2017
E L G I N T H I S M O N T H 17
Aylmer & Area Chamber of Commerce Maximize your RRSP today and reap the rewards come tax deduction that could result in a significant tax refund.* As an entrepreneur, operating your day-to-day Know your limits There are a number of strategies to consider that It’s important to know how much concan help accelerate your plan using assets you tribution room you have, prior to sithave readily available and key tax planning ben- ting down with us to discuss your RRSP efits. strategy. Each year, the CRA identifies Remember, taking full advantage of your un- your unused contribution room for the used RRSP contribution room could help to upcoming tax year on your Notice of Asbuild your portfolio. sessment. CRA’s website can also provide Understand how much contribution room you that information. have. Invest smart Move money into your RRSP sooner rather It may be to your benefit to move than later. money you currently have in savings acWork your RRSP contribution into your counts or other investments into your monthly budget. RRSP sooner, rather than later. Moving these Overview dollars into your RRSP will not only result in a Year after year, many Canadians leave a key reduction of your annual tax bill – but it also alfinancial opportunity on the table by not con- lows you to maximize growth inside your RRSP, tributing the maximum allowable amount into without generating immediate taxable income. their registered retirement savings plan (RRSP). It’s important to remember that interest earned If your annual income tax assessment includes a on savings accounts and both realized and unnotice from the Canada Revenue Agency (CRA) realized capital gains on non-registered investthat details how much unused contribution ments, will be taxed prior to when they are room you have left in your RRSP from previous moved into your RRSP. years, the time to act is now. For example, conYou can also withdraw from a tax-free savings tributing $10,000 into an RRSP that generates account (TFSA) to make your RRSP contribua 6% return, compounded annually could turn tion. Any withdrawals from your TFSA are addinto $57,435 over the span of just 30 years. Plus, ed to the available TFSA contribution room for contributing the full amount creates a larger in- the following year. Invest regularly Consider working Ryan’s your RRSP contribution into your budget. Our monthly investment plan automatically deducts a specified amount from your savings or chequing account on a regular See our flyer for weekly specials basis, and invests it into funds held inside and everyday low, low prices your RRSP. Monthly investment plans can be customized to work best for you. We will work with you to help determine the appropriate dollar amount and frequency. Consider the benefits of borrowing In many cases, borrowing to take full adGET Y vantage of RRSP conO SHOT UR FLU tribution room makes HE Flu Sh pharmac ots are available RE! sense. Maximizing y, no appo at the intment needed. your RRSP contribution now offers immediate tax savings this year, and tax-deferred potential growth for many years to come. Using this strategy can 6578-9 John Str N. Aylmer Monday-Friday • Saturday 8-8 • Sunday 8-7 make it beneficial to borrow for a short pe657 John St. N. Aylmer riod to maximize your plan.**
E C xc us e S t ll er o e vi me nt ce r
by Katie Timpany
January, 2017
ELGIN THIS MONTH
As your consultant, I can help you determine whether a loan fits into your plan by looking at the following factors: • Your age: The impact of compound growth increases depending on the time that money is invested. While borrowing to invest may have more impact at a younger age, I can prepare an illustration that shows it’s never too late to save for your retirement. • Your ability to repay: We would never recommend that you borrow more than you could possibly repay, because it could make it difficult to save for next year’s RRSP contribution. Together, we will create the right plan to make sure you can pay off the balance of your loan quickly and then start a regular investment plan to automatically take care of future RRSP contributions. In addition, contributing to an RRSP generates an income tax deduction that may result in a significant tax refund that could be used to help pay down a portion of the loan almost immediately. • Your ability to borrow: An RRSP loan or line of credit available through Solutions Banking™, like any other use of credit, will increase your debt service ratio (the percentage of your monthly income that goes to pay off debts) and lenders rely on this ratio to determine your loan eligibility. When preparing your plan, we’ll be sure to take your complete financial picture and other monthly commitments into account. *Pre-tax RRSP contribution assumptions –$10,000 investment purchased on January 1, 2015 at a gross rate of return of six per cent over a 30-year period. **RRSP loan assumptions – Client takes out a 1 year RRSP loan of $10,000 at a fixed rate of four per cent on January 1, 2017 and makes a $851.33 ($818.00 principal and $33.33 in interest) payment on January 31, 2017. Client has a marginal tax rate of 40 per cent and receives a tax refund of $4,000, which is used to pay down the loan on February 1, 2017 (remaining balance on February 1, 2015 is $10,000[$818.00+$4,000], which is paid monthly ($471.09) over the remaining 11 months). Katie Timpany is a Consultant with Investors Group Financial Services Inc. She can be reached at (519) 673-4544 or Katie.Timpany@investorsgroup.com. 18
Aylmer & Area Chamber of Commerce Community Foundation honours outstanding citizens The Town of Aylmer and surrounding area are blessed with an exceptional number of outstanding citizens who offer incredible support to the community. They support us by giving willingly of their time and/or generous financial and material resources. Each year, the Aylmer and Area Community Foundation honours but a few of these outstanding people with the presentation of a ‘People Who Make a Difference’ certificate. The Family Award Dr. Dunc and his wife, Margaret who have provided continuous, outstanding contributions to the moral and physical well-being of all of our lives and that of the environment. Both are active in the community and their church and genuinely care for Aylmer. They are proud parents and grandparents and through their example, there will be supportive Sinclairs in the area for years to come. Helping Hands Award Mrs. Jacquie Jefferey is a tireless Aylmer and Malahide District Museum volunteer. It is through her guidance and the efforts of many other volunteers that our ‘gem’ survives and flourishes. And Mrs. Carol McLay is another outstanding museum volunteer who assists greatly with the annual Tour of Homes and if you have ever been to a dinner or Karyn Silliker (left), Carol McLay, Jacquie Jeffery, Marg and Dr. Duncan Sinclair. luncheon at the Anglican Church, she probably made all of Absent: Jeff Regier the bread and sold you your ticket. Karyn Silliker, recently retired branch manager of Meridian Credit Union, Corporate Recipients Mr. Jeff Regier, recently retired owner of the Aylmer Valu-Mart Franchise, is to be commended for her contribution to the community. Karyn has been has been a strong supporter of this community for 20 years. He has served on an active supporter of the Aylmer BIA and the Aylmer and Area Chamber several committees, sponsored and led numerous youth sport organizations of Commerce, the Aylmer Santa Claus Parade, Seniors Days and many more and never refused a request for a donation by a not-for-profit donation. Mrs. local and area events.
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BUSINESS & COMMUNITY YOUR TEAM
Create happiness by finding meaning in your work things that hold you back to being What if this year you try something different the best employee to find happiness in your work life? What if this and person you year your resolution creates some real, long-last- can be. ing traction? Life was deWe know that statistics show that 95% of New signed to give us Year’s resolutions are broken by January 15. Even what we deserve, more discouraging, is that this only applies to not necessarily those that make resolutions. For many of us, we what we need or stop making resolutions because perhaps we’ve want. If you’re failed in the past and we don’t want to disappoint asking for securiourselves again. ty, then that may Well, what if this year, you set out to create hap- not bring you the piness by finding meaning in your work in a way meaningful work that increases your chances of success? you are searchIt’s not just about finding meaning in your ing for. Prepare work, but finding meaning in your life. When yourself to be you look for meaning in your work, your whole ready to make the life wins. When we find a strong meaning in our right choices when opportunities and challenges life, a purpose to our work, then it motivates us present themselves. Here’s how to take control to continue to contribute not only at work, but of your life in the most powerful, important and everywhere in our life. lasting way: Finding this meaning will allow you to rise 1. Decide what you want to focus on above the challenges at work and in your life, the If you make a choice to go to work and focus on not liking things that are happening at work, or you don’t like the way certain people treat you at work, then what you focus on will be what you feel. If you focus • Lets your wishes be known. on the things that • Reduces stress for friends and family you are grateful for, at an already emotional time. all the amazing things that have happened • Saves money (Guarantees your family will never have to pay to you, then those more for your funeral, no matter what happens with inflation.) positive things you focus on are what you We invite you to discuss Funeral Preplanning with any will feel. It’s all about of our qualified Funeral Directors what you choose to focus on that will lead you to that reality. So, if you want to find meaning in your work, make choices to focus on the things David Gifford Allan Hughson Owen Boughner Ali (Hughson) Harris Matt Hughson that bring you meanLicensed Licensed Office Manager Internship Owner ing, and you will feel Funeral Director Funeral Director Funeral Director Licensed that happiness, find Funeral Director it everywhere and attract more of it to you. 2. Decide what meaning you will give to things If you focus on what someone does or a situation that happens and you come up with a negative meaning like, ‘they don’t like 45 Elgin Street, St. Thomas (519) 631-0850 by Laura Pavilonis and Nancy Annett
Prearranging Funerals gives You and Your Family Peace of Mind
January, 2017
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me’ or ‘they’re trying to take advantage of me’, then this will be the reality. The bottom line is, you get to choose the meaning of anything. If you’re looking for meaning in your work, then look at the things that happen around you in a way that gives them positive meaning. Even when an event or situation is negative, so much growth and good can come of it. Finding meaning in your work can hide underneath every interaction or situation and every thought that you have about it. So, choose a meaning that brings out the positive. 3. Decide on what action you will take In the end, what you actually ‘do’ is what will determine the meaning in your life. You must take action in order to have anything change. That action can be task- or activity-oriented, like taking on a new project or volunteering for something that brings you joy. Or, it can be changing how you do things, whether it be changing how you are going to look at a situation or sending yourself positive messages or affirmations. Every moment we can make a different choice, so even when you choose something and don’t like the result, you can make another choice that brings you closer to having the things you want in your life. When you change your decisions, you can change your life. When you do these three things, your opportunities to add meaning to your work and your life are limitless. You may not have control over all the events in your life, but you do have control over these three choices. This year, take the leap with them in mind, and watch meaning flow.
Nancy Annett, MBA, CHRP and Laura Pavilonis, MBA CHRP own Flashpoint Training and Development.
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BUSINESS & COMMUNITY Financial Planning
Top investment myths versus reality
by Ellen Luft
Executive summary Separating fact from fiction is just as important with your investments as it is with any other aspect of your life. When making investment decisions, try to keep these facts in mind: • Seek slow, steady gains versus a series of bigwins • Understand what you’ve invested in, not what the entire market is doing • Manage risk by diversifying globally, don’t ‘stay home’ and expect to avoid risks • Since most investors want long-term performance, don’t focus solely on the most recent results for a fund or individual company What you need to know Myth #1 – You should focus on finding opportunities that could turn into very lucrative “home run” investments. Reality: You will make more over time by not making mistakes and limiting losses than by trying to hit home runs. Consider it this way: if you lose 50% in an investment, you will need to earn a 100% return in order to get back to where you were before the loss. Myth #2 – The more you study the market, the better you will do within the market. Reality: While you do need to know what the market is doing, the most successful investors study companies they buy much more than they study the overall market. Spend time studying successful investors such as Warren Buffet, arguably the greatest investor of all time thanks to his skill as the master of annual reports. There lies his edge: not on timing the market, but rather studying the companies he invests in. Myth #3 – International investing is too risky, you should stay domestic. Reality: In today’s global economy, it is risky not to invest some of your portfolio internationally. The average investor holds about three-quarters of their stock investments in the domestic market. As the local economy struggles, second and third
world countries emerge as first world countries entering the global economy. Myth #4 – Good quarterly or annual returns mean the fund has a good strategy. Reality: If you look at any prospectus or investment marketing material, it has fine print that says something about past performance having no correlation with future results. Short-term returns mean very little, and a fund that has a good quarter or year is actually more likely to be overvalued than one that has struggled. Long-term returns are a much better indicator. Instead of focusing on last year’s returns, look at the longer-term track record of the fund manager. How did they perform in a down market? How did they perform in a strong market? Myth #5 – A more complex investment strategy is better, complex solutions beat the market. Reality: A buy and hold, value investing approach has done the best over the long run despite its boring simplicity. Also, if a fund’s strategy is too complicated for you to understand, how can you ever assess the risk it carries? All of Bernie Madoff’s investors have one thing in common besides losing money: they didn’t understand his strategy. Bottom line No one said that investing was easy, but we certainly don’t have to make it even more difficult. Part of keeping it simple is staying away from investment hype that distracts investors. The reality of strong investment performance is that it is better to limit losses, and make steady progress than gambling your hard-earned money on high-risk, volatile stocks and funds. A good rule of thumb to live by is: consistent returns during the day, will allow you to sleep better at night!
This article was prepared solely by Ellen Luft who is a registered representative of HollisWealth® (a division of Scotia Capital Inc., a member of the Canadian Investor Protection Fund and the Investment Industry Regulatory Organization of Canada). The views and opinions, including any recommendations, expressed in this article are those of Ellen Luft alone and not those of HollisWealth. ® Registered trademark of The Bank of Nova Scotia, used under licence. HollisWealth is a trade name of HollisWealth Insurance Agency Ltd. Insurance products provided through HollisWealth Insurance Agency Ltd. HollisWealth and the Scotiabank companies do not provide income tax preparation services nor do they supervise or review other persons who may provide such services. Please note that comments included in this publication are not intended to be a definitive analysis of tax law. The comments contained herein are general in nature and professional advice regarding an individual’s particular tax position should be obtained in respect of any person’s specific circumstances. Important information about flow-through limited partnerships is contained in their relevant Prospectus/ Offering Memorandum. Please obtain a copy and read it carefully including the associated risks and tax consequences before investing.
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1012 Talbot St., St. Thomas 519-631-5080 Championship City club coordinator Lini Sopoco (right) hams it up with the boxing club’s president Gil Sopoco at the December Business After 5 at St. Anne’s Centre in St. Thomas. January, 2017
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E L G I N T H I S M O N T H 21
HOMESTYLE DECORATING
Cleanliness Part 1 – steps to a healthier home by Renée Carpenter
Is ‘cleanliness really next to Godliness’? I was raised to believe so. You could eat off Mom’s floors, a fact that has now created a major aversion in me to potential uncleanliness possibilities. We aren’t talking about everyday living with kids’ toys in the floor, a kitchen full of immediate afterdinner dishes, or even waiting until noon to make your bed on a weekend (but only on weekends, right?), etc. No. Uncleanliness is when things are consistently left in this condition, creating problems with that which is concealed beneath or behind it. Therein lies the problem. It doesn’t matter how beautiful a home you have, if it isn’t clean, it isn’t pretty! A dirty house cannot be remedied by simply picking up toys, making beds, or washing dishes. The real issues remain and can literally be smelled by others! Picking up is a great start, but if the house hasn’t been thoroughly cleaned in a while, a ‘clean home detective’ can sniff it out in a heartbeat! There is an inner beauty in having a clean home that cannot be explained, only experienced. A dirty home creates an unhealthy home. Imagine the dust and mold you are inhaling, dirty laundry smells mixed with pet and food odors, food dropped/smeared in hidden places, germs, bacteria, lack of full light coming from windows or chandeliers – all adding to the accumulating mix like a breeding henhouse. Can you even guess where the ten dirtiest places in your home might be? Hold on... 1. Faucets - as in the part where the water comes out. If you haven’t cleaned this, most likely you will find black, mildew grunge. And you are brushing your teeth with that! Yuk! Every couple of months, remove the faucet aerator by twisting it counter-clockwise, then soak it in vinegar for about 15 minutes. This part is an assembly of a few pieces, which includes a screen, so notice how they come apart to be able to put it back together. Gently brush all parts with a toothbrush to remove any remaining residue. Next, screw it all back together.
2. Handles and switches. Think refrigerator door handles – more like the back inside of the refrigerator or stove door handle – as well as light switches, and of course the toilet flush handle. Most people tend to focus on the big picture when cleaning, like countertops and floors, and fail to realize that it is the small things that make the greatest difference in the long run. Everyone touches these areas and they end up having the most germs and grime. Clean with a dampened cloth during your normal cleaning routine – or when wiping things down on a daily basis. Just one touch from little sticky jelly fingers and it is to do all over again. 3. Above your kitchen cabinets – and the dodads setting up there. That no-man’s land between cabinets and ceiling is a case of out of sight, out of mind. Years’ worth of dust, rodent nests and droppings, long-forgotten pieces of food fights, dead plants, and more can accumulate in these areas – and very few people ever think or take the time to climb up and clean it. It’s even worse if you have decorating items in this area as well as they become covered in cooking grease that filters through the air over time. Break out the stepladder and your vacuum’s hose attachment first to remove anything loose before stirring it through the air. A small hand broom and dustpan will work, as well. I then take a damp cloth and wipe it down. But if it has been too long since this area has been cleaned, you may need a rag with warm
Karen Vecchio,
soapy water to cut the grease. This space won’t likely need to be cleaned weekly, but every month or so is not any too often. Do this before cleaning anything else to prevent dust from landing on clean surfaces below. And, yes, we still have seven more areas to discuss. See you next month to continue. Renée Carpenter owns Jennings Furniture & Design & Stage It With Jennings in St. Thomas.
M.P.
ELGIN-MIDDLESEX-LONDON
• Canada Revenue Agency • Seniors’ Issues • • Citizenship & Immigration • • Employment Insurance • Passport Inquiries • 203-750 Talbot Street, St. Thomas, ON N5P 1E2
519-637-2255 www.karenvecchiomp.ca January, 2017
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wine world
DINING & ENTERTAINMENT FOOD & WINE
My
wish list for 2017 by Jamie Quai
This month’s article is all about what I personally would like to see happen in the wine world over 2017. There are a lot of issues in the industry that I would like to see some progress on, some positive developments I want to see continue, and some moonshot ideas that would be absolutely awesome to see catch on over the next year. There are a lot of challenges going on with respect to the drought in California, and the resulting water rights. I would really love to see some resolution and focus on the issues. Wrap up some of the court challenges, develop firm guidelines, really come up with a plan to move forward. California legislation, with respect to the environment, tends to set the framework that every other wine region builds their rules upon. Any solid progress would be ideal for the rest of the world who is trying to plan for a more challenging growing environment in the future. Canadian wines should see an uptick in sales over the next year. If Ontario, British Columbia, Quebec and Nova Scotia are going to make huge inroads in the domestic market, my wish is that 2017 is the year that launches that next growth period. There are three things that can drive this potential boom and they are (in order of importance): the poor exchange rate, the domestic 2016 vintage, and a diminished global wine lake. The poor Canadian dollar for the foreseeable future means that your favourite import bottles will continue to get more expensive relative to domestic wines, 2016 will be remembered as a terrific vintage, and prices for low-end wines are likely to rise (making domestic wines better value) as the excess bulk wine volumes globally, the “wine lake”, have all but dried up. This next issue is surely in the moonshot column; but I’m really hoping that the syrup sweet red wine category is shaken up. A good ol’ consumer backlash is just what this product range needs to evolve. The residual sugar levels in all the generic reds are getting really rather ridiculous. Expensive bottles with over 3% sugar, are
January, 2017
just wrong to a traditionalist like me. I recently Jamie Quai is head winemaker at discovered that a very reliable producer released Quai du Vin Estate Winery in Elgin their ‘reserve’ smooth red wine, with more sugar County, and 2016 Ontario Grape in it than my current late harvest wine! These King. confectionary wines don’t pair well with food, are difficult for our bodies to digest, and offer terrible quality to value prospects. The expanding market access for wine, beer, and spirits into the grocers’ space has been welcomed with little resistance in 2016. My wish for 2017 is a wider roll out for broader market access, and a fine tuning of market sales channels to better serve all consumers. There is a real opportunity for all of the channels (cellar Come to Century Sound Sales & Service door sales, licencee, for a New Remote Car Starter and LCBO/Beerstore, and grocery) to see huge Heated Seats. Professionally Installed growth. by our friendly staff. My final wish item for 2017 is quite a simple one – I want all the readers to go out and try new wines! There are a whole world of really interesting wines out there waiting to be discovered. Visit your local shop, talk to an expert and ask 930 Talbot St., St. Thomas for a recommendation, take a tour, book www.centurysound.com a wine route getaway. Monday to Thursday 9am-6pm, Friday 9am-7pm, Saturday 9am-5pm Happy trails!
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HEALTHY LIFESTYLES Improve your life and local community through VON Community Support Services and volunteering Submitted by VON Middlesex-Elgin At VON, we believe health starts at home, and access to vital programs and services allows seniors, and adults with a disability, to experience an enhanced quality of life, independence and the chance to age gracefully in a healthy way. Community Support Services was created out of a need for assistance for those wishing to remain in their own homes instead of long-term care while requiring additional services in order to do so. Community Support Services includes essential programs like Meals On Wheels, Transportation, Home Help, Hospice Support and Visiting programs, but also social programs designed to keep individuals active and engaged in community life, as in the Congregate Dining program and SMART Exercise. In addition to the multitude of services available to clients themselves, VON also offers Caregiver Support programs for those caring for a loved one. Caregivers spend a great deal of time and energy because of their investment in the well-being of their loved ones, which often places a heavy burden on their own stress and emotional well-being. With Caregivers Support, they have an opportunity to learn about the available resources and services that can assist them in their caregiving roles, and
know they are not alone in their journey. Accessing programs like the ones listed above is a way of enhancing life experiences so people can remain healthy and independent in their own home. Making New Year’s resolutions is a great way of setting healthy goals for the year ahead. We often resolve to improve our lifestyle choices whether it’s exercising more, losing weight or even eating better. This year, challenge yourself in a way that you may not have before, and make a resolution that can not only improve your health and well-being, but also the health of the community through volunteerism. Time and time again, studies have shown the positive affect volunteering has on one’s health. Decreasing stress, decreasing feelings of social isolation and depression and remaining active and engaged in the community are common themes among those who volunteer in the community. Volunteering also provides an opportunity to learn new skills, meet new people or enhance already existing skills. What volunteers get out of their volunteer work often surpasses the little time they put in. Respected St. Thomas If you work with business owner, Dan volunteers, though, Reith, lost over 60 you know that many pounds and 36 inches of them don’t invest
39 Weeks Later, Dan Reith is 62lbs Lighter!
in 39 weeks on Ideal Protein. What’s even more impressive is that he did so over many holiday meals!
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Come in today and talk to our weight loss coaches Wendy or Chris to learn how Yurek’s medically supervised weight loss program. 519 TALBO TALBOT STREET ST. THOMAS TALBOT STREET 519 TALBO (Ample parking at rear)ST. THOMAS (Ample parking at rear)
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January, 2017
their time with the sole purpose of self-gratitude and personal fulfillment. Their motives are knitted together with kindness and dedication to making community life better and improving the lives of citizens. A thriving community is one where individuals invest their time and energy and have a commitment to the people within it. VON is currently in urgent need of volunteers for programs such as Transportation, Meals On Wheels, In-Home Exercise Program and Visiting. You can even volunteer from the comfort of your own home in our Telephone Visiting program. Find a volunteer role that fits for you; whether you’re looking to make a large or small commitment, there are opportunities that can fit with busy lives and full schedules. For more information on VON Services or volunteer opportunities, please contact the VON Elgin office: 519-637-6408 or toll free 1-800-201-0909.
Complete Eye Care for the Whole Family • On-Site Laboratory • Contact Lens Fittings • Eye Exams Available Mon-Fri 9:30am-6pm, Sat. 9:30am-5pm, Sun. Closed. Evenings by appointment 308 Wellington, St. Thomas • www.elginoptical.com DAVID OATMAN Dispensing Optician AMY ANNETT Dispensing Optician 519-633-4788
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HEALTHY LIFESTYLES Chiropractic is not painful or dangerous by Dr. Doug Pooley, B.A., D.C. of CARE Chiropractic
other comparable services. In a world where often the text describing the side effects of a prescribed intervention far outweighs the listed benefits, chiropractic is safe, pleasant and empowering. In a country where health care is perceived as free, why would people reach into their pockets and pay for a service that didn’t work? If a brand of soap failed to clean your hands, would you buy it again? People come back and pay for no other reason
than it works. Yes, some people require long-term care, not unlike medical treatment for many chronic or permanent conditions such as diabetes or high blood pressure. The fact remains that on average a successful chiropractic intervention takes between 8-12 visits, and independent studies find patient satisfaction with the experience to more than justify the cost. For the treatment of back pain, neck pain and headache, chiropractic is a natural at any age.
Why would you ever go to a chiropractor? How many times have you heard that wonderfully cryptic comment? Chiropractic certainly has what appears to be a rather checkered reputation for being unscientific, painful, dangerous and expensive. On top of that, they keep you coming back forever and “you know, they aren’t real doctors”. So why has chiropractic survived for over 120 years if the above is so true and why do more and more people continue to seek out this type of care. The answer is simple: It works. No other health profession has been scrutinized more closely and passed the test of scientific examination. As for painful and dangerous, nothing could be further from the truth. Aside from the sensationalism created around a few isolated incidents, statistically, this therapeutic intervention is safer Call for your Free Consultation with than many over-the-counter pharmaceuticals and with significantly Brandi Pisek, DD or Mike V. Pisek, DD! less side effects. Walk in patients and new patients Usually the worst consequence of a chiropractic treatment is that are always welcome. you feel better. As for the expense, for the amount of “face-time” spent All insurance plans are accepted one-on-one with the doctor in the treatment exchange in combi(financing available). nation with the complementary Come visit us today and let’s get started therapies that usually accompany a chiropractic clinical experience, the on the road to a fantastic smile. cost is actually significantly less that
A NEW SMILE STARTS WITH US!
• Full & Partial Dentures • Dentures on Implants • Same Day Relines & Repair • Invisible Clasps (No Metal) • Financing Available 989 Talbot Street, St.Thomas 519-631-3130 www.pisekdentureclinic.com January, 2017
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HEALTHY LIFESTYLES Recognize potentially dangerous household chemicals Homes are safe havens that people retreat to in an effort to relax and unwind. However, homes may be harbouring some hazards that put their inhabitants at risk. Cleaning products and chemicals can be found in every home, but some may be putting people in jeopardy. Even seemingly safe items can prove dangerous when they are used and/or stored incorrectly.Individuals who make a concerted effort to educate themselves about common household chemicals can reduce the likelihood that such cleaners will hurt them in the long run. The following are some commonly used products that may prove dangerous or irritating with prolonged use. AIR FRESHENERS These seemingly innocuous products may be doing more harm than good. Information published in a 2015 issue of The Journal of Toxicological Sciences linked air fresheners to volatile organic compounds, or VOCs. They also may contain ultra-fine particles of formaldehyde and phenol. In addition, National Geographic’s The Green Guide states that many air fresheners contain nerve-deadening chemicals that coat nasal passages and temporarily block one’s sense of smell. Many widely available air fresheners
use phthalates, which are linked to hormonal and reproductive issues, birth defects and developmental disorders. In lieu of chemical air fresheners, spray diluted essential oils around the house. ALL-PURPOSE CLEANERS Many cleaners list bleach and ammonia among their ingredients. Bleach may be listed as sodium hypochlorite. When used as directed in a well-ventilated space, bleach and ammonia can be relatively safe. However, fumes from bleach or ammonia can cause rashes and skin irritation and irritate the eyes and respiratory tract. Bleach and ammonia should never be mixed because mixing the two can produce a deadly chloramine gas. Vinegar and baking soda can be used as a replacement for many household cleaning products, and these alternatives have virtually no dangerous side effects. DRAIN AND OVEN CLEANERS Many drain and oven cleaners contain lye (sodium hydroxide or potassium hydroxide), a chemi-
VON Community Support Services
This Is What Independence Looks Like! Health Starts at Home
cal derived from salt or wood ash that is used to break down other substances, particularly those that are sticky. Lye is quite caustic in high amounts and extremely alkaline, which can cause burns and skin irritation. Lye is also found in soaps and detergents. When handled correctly in safe amounts, lye can be used safely. However, it can be dangerous if it gets into the hands of children or is touched by pets. A N T I B AC T E R I A L PRODUCTS Antibacterial soaps, lotions and wipes may contain triclosan, triclocarban and at least 17 additional ingredients that are linked to various negative health effects. In September 2016, the U.S. Food and Drug Administration banned the use of these antibacterial agents. These chemicals can disrupt hormone cycles and cause muscle weakness. “There’s no data demonstrating that over-thecounter antibacterial soaps are better at preventing illness than washing with plain soap and water,” the FDA said in a press release issued shortly after the rule was announced.In addition to the aforementioned products, some carpet cleaners, toilet cleaners and other detergents may prove harmful. Always read ingredient lists, use products in the proper fashion and keep any and all chemicals away from children and pets.
Services offered through VON assist those in the community to continue living independently in their own home.
Meals On Wheels Blood Pressure Clinics Visiting Programs Hospice Services SMART Exercises Dining / Social Programs Home Help Transportation Services Bereavement Services Caregiver Support For More Information about services or volunteering opportunities, please contact: VON 519-637-6408 or 1-800-201-0909 www.vonmiddlesexelgin.ca
January, 2017
Joe Preston, co-owner of Living Alive Granola, was in Santa mode for the December Business After 5 at St. Anne’s Centre. (Photo credit: Photos by MG). ELGIN THIS MONTH
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HEALTHY LIFESTYLES Are there good and bad proteins? Determining the nutritional value of certain foods can be a tricky business. Many foods can be enjoyed in moderation, and labeling them as good or bad might lead to negative connotations. In addition, food labels change from time to time as nutritionists and doctors learn more about nutrition and revise their opinions on certain items. One food type that has remained off the bad foods radar for quite some time is protein. Protein sources are largely touted as the be-all and end-all in nutrition. But even seemingly infallible protein should be eaten in moderation, and even then only if the right sources of protein are selected.Protein is an essential building block of good nutrition that is found throughout the body and makes up the enzymes that power many chemical reactions. Protein helps fuel the hemoglobin in the blood that carries oxygen throughout the body. The Institute of Medicine recommends that adults get a minimum of 0.8 grams of protein for every kilogram of body weight per day (or 8 grams of protein for every 20 pounds of body weight). Physicians in the United States recommend a daily protein allowance of 46 grams for women over the age of 19 and 56 grams for men. Too often, however, people are overloading on protein because they think it’s a better option than carbohydrates and other food sources. But not all protein is the same.Protein that comes from animal sources offer all of the amino acids a body needs. Unfortunately, some animal sources are less healthy than others. That’s because animalbased protein sources also contain saturated fat. Consuming too much saturated fat may contribute to elevated levels of LDL, or bad, cholesterol in the blood. LDL may lead to the formation of plaque in arteries that limits blood flow and may be a risk factor for heart disease. Fatty red meats and whole-milk products tend to contain more saturated fat than other protein sources.The key when consuming protein is to find the right balance in protein sources. Fruits, vegetables, grains, nuts, and seeds may offer many of the required essential amino acids. The rest can be obtained by choosing smarter animal-based protein sources. Salmon and other fatty fish are good sources of protein and omega-3 fatty acids (heart-healthy fats) and are generally low in sodium. Lentils offer 18 grams of protein and ample fiber. Plus, these legumes have virtually
no saturated fat. When looking for healthy protein sources, consumers can opt for the following selections.Salmon: Wild salmon may have greater nutritional value than farmed salmon thanks to the more diversified diet consumed by wild salmon. Chicken: Chicken is generally lower in saturated fat than other animal protein sources. Opt for pasture-raised chicken for the greatest nutritional punch.Greek yogurt: Greek yogurt provides ample protein and can contribute to feelings of fullness, making it a more worthy snack than less healthy
snacking alternatives. Shellfish: Shellfish includes clams, oysters, mussels, and snails. Shellfish are sources of animal protein that also happen to be full of iron, zinc, omega-3 fatty acids, and other nutrients.Variety is the spice of life when it comes to protein sources. Eat different foods to ensure the body gets all of the nutrients it requires.
Healthier workplaces are a click away!
Within our website we have created a Healthy Workplace section to help your workplace be healthier and support your employees on their journey to good health.
This workplace section includes: Information tion Tips Resources NEW! Links
elginhealth.on.ca/healthy-workplaces
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HEALTHY LIFESTYLES Socializing at work can be very productive by Anouschka Van den Bosch
Sometimes I like to walk into our library and just look for books that catch my eye. A few weeks ago, I walked out with three books that all had something to do with being more productive and using my time effectively. I did not know I needed to know more about that, until I was browsing; however, I parked myself on the couch and started the first book, Brian Tracey’s “Master your Time, Master your Life”. The book really resonated with me, until I came to the chapter “Work Time”. Now I get it that Tracey wants us to be more efficient at work, and I agree that emails, texts and the other time wasters he mentioned can hold us back from being more productive. But “socializing”? That one hit a nerve, and I almost shut the book, never to return to it again. Tracey suggests that “socializing takes time away from getting the job done”. Sometimes idle conversations are time wasters. I have been known to walk away from those conversations by politely letting the other person know I need to get back to work. However, socializing at appropriate times like breaks and lunch makes
total sense. Sometimes, I have one of those idle conversations that seem to be just the daily review of what is happening in someone’s life, and when I listen deeper, I hear there is something else going on. I ask a few questions and the answers confirm that this idle chit-chat is a bit more than that. It’s clear my co-worker is going through some difficulties and just needs me to listen. This can sometimes take an hour. I call that my most productive hour. In that hour, with Better Hearing I allowed this person Hearing Solutions to share their feelings for All Price Ranges and emotions, their fears and hopes. I held a supportive space for them and although it is an hour I will never get back, it is an hour in which the other person needs to feel supported. Idle chit-chat about a hockey game, kids being sick again and that annoying relative are important conversations to have in a work www.elginaudiology.com environment. In the age of electronic communications, these 17 King St., 66 West Ave., 146 Munroe St., face-to-face conversaAylmer St. Thomas West Lorne tions take on a new 519-773-3838 519-637-5925 888-815-2306
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meaning. I see them as being important to the quality and culture of our organizations. They keep us human, and they allow us to show appreciation of our co-workers. I love it when I find articles that also prove my point. From the co-founder and president of Axero Solutions, Tim Eisenhauer : “Social connections in the workplace can also contribute to greater employee engagement, which tends to correlate with better performance and productivity. Everything falls apart when engagement levels suffer, and it’s a common problem for many businesses. Fortunately, engagement rates will improve if you let employees relax and converse and that translates to a much more productive corporate culture”. Socializing will also allow all levels of the organization to communicate on common grounds. It can build trust among co-workers and interaction between departments. When you allow social interaction, communication and collaboration, your employees will notice. They’ll be more willing to trust you, to go the extra mile when needed and be more loyal to the organization. So, Mr. Tracey, although I understand the concept of your book is to help me be more productive in my career, I believe socializing is an important factor in the overall culture of an organization. I will continue to have these conversations but will take your advice on cutting back on texts, checking my email only a few times a day and planning my day in advance. See, I did finish the book. Anouschka Van den Bosch is a Human Resources Professional and Certified Life and Career Coach.
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HEALTHY LIFESTYLES Simple ways to avoid injuries when working out A desire to live a healthy, active life compels many tine, spend between five and 10 minutes warming shin splints and tendinitis require extended rest to people to include exercise in their daily routines. up your body with some low-intensity exercises. heal, and that can derail your routine and nullify Numerous studies have shown that regular work- This increases blood flow to the muscles and makes your progress. Vary workouts so you are not always outs that include a combination of strength train- them more elastic and pliable than cold muscles, working the same muscles, and don’t mistake varying and cardiovascular exercise can make bodies thereby improving flexibility. Some low-intensity ing workouts for varying workout schedules. Workless susceptible to injury while reducing a person’s cardiovascular exercise on the stationary bike or ing out five days one week and one day the next risk for conditions such as heart disease, stroke and treadmill can greatly reduce injury risk during increases your risk of injury.Injuries sometimes diabetes.Exercising is most effective when it’s part the workout.Vary workouts and exercise regularly. happen when exercising. But veteran and novice of a daily routine, but that routine can be derailed Varying workouts is a good idea because doing fitness enthusiasts can employ a handful of simple if men and women are not taking the appropriate so can prevent repetitive-use injuries and prevent strategies to greatly reduce their risk of injury while measures to avoid injury while working out. While overuse of muscles. Repetitive-use injuries such as working out. even professional athletes succumb to injury from time to time, there are steps everyone can take to avoid injury when working out. Confirm your technique is the right one. Exercise science is continuously evolving, and that means workouts and fitness machines are evolving as well. When using a piece of equipment for the first time or altering a workout routine, men and women should consult with a gym employee or personal trainer to learn the cor• Motor Vehicle Accidents rect technique. Incorrect technique • Sports Related Injuries can lead to minor and serious injuries because muscles are used in ways • Work Related Injuries they are not intended to be used • Neck Pain when exercises are performed proper• Back Pain ly. Research appropriate techniques, taking advantage of online video tu• Headaches torials if you don’t exercise at a gym, • Sciatica to ensure the exercises you want to • Arthritis perform are done properly. When beginning a new routine, ask a friend or • And More!! gym employee to observe your workout and let you know if you are doing anything incorrectly.Be patient. Lifting too much weight or pushing yourself too hard on the treadmill, exercise bike or elliptical machine will increase your risk of injury. This Dedicated to positively influencing health is especially true for men and women working out for the first time or after and well-being through exceptional lengthy stretches of inactivity. Men patient-centred care. Call now for your and women who are elderly, inactive and/or overweight are likely to sufcomplimentary consultation. fer from poor balance because their Dr. Doug Pooley, Dr. John Coleman, muscles are weak. Those muscles can be strengthened over time, but reB.Sc., D.C. B.A., D.C. main patient and stick to light weight Dr. Michael Boone, Dr. Sandra Lee-Shum, during initial workouts so lack of balB.Sc., D.C., CAFCI B.Sc., D.C., CAFCI, R.Ac ance does not lead to pain or injury. Take the same approach with aerobic exercise to prevent muscle strains and pulls. Increase weight and the intensity of cardiovascular exercises as muscles gradually strengthen and become accustomed to exercise. Allow for adequate time to warm up. Failure to warm up is another contributor to exercise-related injury. Before diving into a workout rou-
C.A.R.E. Chiropractic & Acupuncture is extremely proud to be the first to offer PROADJUSTER™ technology in the area!
Providing Pain Relief for:
170 Wellington Street, St. Thomas, ON 519.633.1444 No Doctor Referral Required | www.carechiro.ca
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HEALTHY LIFESTYLES The New Year and back pain by Dr. Greg Johnston B.H.K., B.Ed., D.C.
Volunteers Wanted! STEGH is recruiting volunteers to be Patient and Family Advisors. Advisors play an important role in working with our staff to improve the patient and family experience. We’re looking for current and past STEGH patients and their family members. For more information, contact our Patient Experience Office 519-631-2030, ext. 3748 or email patientexperience@stegh.on.ca
www.stegh.on.ca January, 2017
Eight out of ten people (80% of the population) will experience a moderate to severe episode of lower back pain at some point in their lives. As much as 20% of society is experiencing some symptoms of lower back pain at any given moment. For many, this pain will be relatively short lived, but a few unfortunate people may develop chronic back pain that may persist for months or even years. Many people will be starting this New Year with back pain. When considering statistics such as this, it would be reasonable to assume that back pain is poorly managed by our society at large. This would be a correct assumption. A big reason for this is that we take our backs for granted. Although back pain is very common and can cause considerable pain and disability, serious or permanent damage is rare. The action taken in the early stages when experiencing back pain is very important. Resting for more than a day or two usually does not help and bed rest past that may actually prolong the pain and make things worse. In most cases when a back injury occurs, it is usually some form of a sprain and strain. In simple terms, a sprain means there has been some damage to the joints and a strain means that there has been some damage to the muscles. This may happen from lifting but it can happen from something as seemingly benign as sneezing or getting out of a chair. There is an inflammatory response (as there is with any sprain/strain injury) and accompanying muscle spasm. A muscle spasm typically causes the most pain and disability. In many ways, it is not the original injury that leads to the pain and disability but it is how your body reacts to that original injury. The most important thing at this point is to realize that your spine is designed for movement. It needs movement and a lot of it to keep it healthy. Even with severe back pain, the sooner you can get up and start moving the sooner you will start to feel better. In fact, one of the more accurate prognosticating factors is how much disability is created in the early days of an episode of back pain. Those that don’t seem to be able to deal with the pain, and at least move a little, are much more likely to have a persistent problem. This is where chiropractic can be particularly helpful. Spinal manipulative therapy has been shown to break the pain spasm cycle created by a back injury and allow people to get back to moving properly. The ability to get people back into their regular daily activities promotes the body’s own natural healing abilities allowing the injury to heal more quickly and more completely. Many institutions such as the American College of Physicians, the American Pain Society, the U.S. Agency for Healthcare Research and Quality as well as volumes of published research now support and recommend this form of treatment for back pain. If you are one of those unfortunate people that is starting the New Year off with back pain, it is time to consider a scientifically proven, safe and effective form of treatment. Seek out a Dr. Greg Johnston is a Chiropractor qualified chiropractor and partner in Family Health in your community Options Treatment & Resources to help you finally Centre in St.Thomas break free from back pain.
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HEALTHY LIFESTYLES When those death thoughts intrude WHAT WOULD THE 16TH KARMAPA DO?
by Duncan Watterworth
Some events in the last few months have got me thinking about death. My death. What should I do with that? I did read years ago that some Buddhists believe that thinking about death is a good thing. They even recommend loitering in graveyards. Surely a bit strange. The groundwork for my deathly thoughts must have been laid by my years of twice-weekly visits to my mother, still ongoing, at the end of that long hall in Dearness Nursing Home. And perhaps my 65th birthday had something to do with it. And that pesky heart condition that is a gold mine for my travel medical insurance company. Whatever the reasons, the death thoughts began nibbling at my consciousness in the lead-up to my trip to India last fall. I had a twinge of apprehension about the trip. I joked that, if I died there, I fancied being cremated in the holy city of Varanasi, with my ashes released into the sacred Ganges River. Before I left I made attempts to “put my affairs in order”. My daughter was visibly impatient when I told her, once again, where the” important papers” are kept. I had a small life insurance policy I was going to cancel, but then decided to keep. I returned alive, of course, but then Leonard Cohen died. I mourned the writer of my epitaph, chosen long ago, always on standby: Like a bird on a wire, Like a drunk in a midnight choir, I have tried, in my way, to be free. And then there was an internment of some of the ashes of my brother-in-law John. This led to a discussion with Barb when we were walking the dog. I told her I’d like my ashes spread in the water along the north shore of Georgian Bay. My kayaking country. It was when I was reminding her of how she and Brooke would have to walk January, 2017
out the trail along the Chikanishing Creek, the only access point to the shoreline, that it got too real. I started to choke up. With all this death stuff in my head, I went to my bookshelf for another look at The Big Questions: A Buddhist’s Response To Life’s Most Challenging Mysteries by American-born Lama Surya Das. Specifically chapter eight, on Death. Now if you’re expecting strange, I can offer this: Das writes that his personal guru was the 16th Karmapa of the Karma Kagu lineage of Tibetan Buddhism. That meant nothing to me before. But when I read it this time I was shocked. It meant that Das must have spent a lot of time at Rumtek Monastery in the Indian Himalayas, a compound that Barb and I visited last September. We even viewed the “relics” of the late 16th Karmapa, on display in the stupa at the back. Anyhow, back to brooding about Death. For all the Big Questions, Das writes in the book’s introduction, “There are simply no definitive answers.” But he does recommend, in the Death chapter, to “take solitary, unhurried, contemplative walks in local cemeteries”. And he explains why. “To avoid the subject … leaves us wide open to unnecessary, often unconscious, fears and suffering.” He continues, “keeping death in the forefront of consciousness helps us to face the facts of life, such as impermanence [and] change…” “[This] helps us to let go a little, prioritize things … experience reverence, gratitude and awe.” “Such awareness helps us to cherish life and value time, energy, and the inconceivable magic of aliveness itself.” Our culture tries to ignore death. Perhaps there is a better way. Duncan Watterworth is a life-long resident of Elgin County and a retired lawyer. He can be reached at duncanetm@gmail.com.
Our vision is accessible, person-centered care for all. GET HEALTHY IN 2017 Help Your Heart Program A program to help you learn about your heart and circulation and make changes to keep it pumping!
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(COPD) Is a self-management education program to help people with COPD and their family to take charge and cope with their disease on a day-to-day basis.
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These 6 week programs will run regularly throughout the year. They are free and open to the public. Call for more information.
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Wishing You a Happy & Healthy
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