SPOT LIGHT MAGAZINE VOLUME 11.13
Star of Broadway’s smash hit musical
“Motown”
N Kenge Pacurar spotlightmagazine.ca Cover photo Joan Bateman / Gainsboro Studio
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contents FEATURES
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SPOTLIGHT MAGAZINE
EDITOR SCOTT COWAN (403) 504-7092 ART DIRECTOR JOAN BATEMAN SALES OREST TKACHYK (403) 878-3260 PAT FLINN (403) 548-1997 LYNNETTE SCHILE (403) 581-8075 BLAINE SHACKLETON (403) 866-4475
PHONE (403) 504-7092 FAX (403) 504-0041 EMAIL scott@spotlightmagazine.com ADDRESS 377 - 4 Street SE Medicine Hat, AB T1A 0K4 For a complimentary subscription to Spotlight, forward your email to scott@spotlightmagazine.com Designed and printed by Copy Works Design & Gifts spotlightcopyworks@gmail.com
Disclaimer: No responsibility can be taken by Spotlight Magazine for any errors or omissions contained herein. Furthermore, responsibility for any losses, damages or distress resulting from adherence to any information made available through this magazine is not the responsibility of Spotlight Magazine. The opinions expressed are those of the authors and do not necessarily reflect the views of Spotlight Magazine. Comments are welcome.
Retirement Thinking - Part 2 Dan Hein 4 To the Beginning of Another Successful Year Scott Cowan 5 Planning the Ultimate Bachelorette Party Candice Kennedy 8 The Corrections Line Drew Barnes 9 Osteoporosis - Are You at Risk? Dr. Ken Blair 10-11 Gainsboro Spotlight Joan Bateman 13-15 Choosing the Right Cabinets & Lighting for Your Home Brad Vanderheide 17 There’s a Story Behind Every Smile Neil Nichols 20 For a Fight of 45 Minutes, You Have to Train 45,000 Minutes Scott Stenbeck 22 Are You an “Efficient” Investor? Jackson Woodruff 25 Sanctuary For Kids 26 Spock & Captain Kirk: Assets in Your Creative Process Theresa Eisenbarth 29 Hunting in Southern Alberta Patrick Schile 30 Crossword Puzzle 32 A Message From Lavar Payne 34 Pg. 3
Retirement Thinking – Part 2 RRSP Contribution Options Make an “in-kind” contribution – If you don’t have enough cash to make your RRSP contribution, consider contributing qualified securities that you already own rather than selling the securities and contributing the cash proceeds. As you may have suspected, you’ll still have to settle up a tax bill on any unrealized gains at the time of the contribution (unless it comes directly from your TFSA). It is generally not recommended to contribute securities that will trigger a capital loss as the eligible offset towards a capital gain will be disallowed. Consider an RRSP loan – If you do not have enough money to make your full RRSP contribution this year or you want to take advantage of your unused RRSP contribution room, consider an RRSP loan. By applying the tax refund generated by your RRSP contribution to the balance of the loan, you should be able to pay off the entire loan within the year. Interest on the loan is not tax-deductible so paying off the loan as quickly as possible is a must. Get out of that RRIF – A RRIF requires you to take a minimum amount from the plan each year. If you don’t need the income and are under age 71, roll your RRIF back into an RRSP. Although this can be done on a tax-deferred basis, you will be required to make the annual minimum withdrawal from the RRIF for the current year before the plan is closed.
Investment Strategies for your Registered Accounts Expand your investment choices – With your RRSP, TFSA or RRIF your investment choices go beyond GICs. Qualified investment options can include mutual funds, exchange traded funds, stocks, bonds and GICs. By examining all of your investment alternatives, you can very often increase your return by one or two percentage points with only a marginal increase in risk. A $5,000 annual contribution that grows at 6% rather than 4% is worth over $40,000 more after 20 years. Consider international investments – Canada represents less than 3% of the world’s investment market. Investing in foreign securities can reduce risk and increase returns in your portfolio. Pay yourself first – It can be difficult to come up with one large lumpsum RRSP contribution. By setting up a pre-authorized contribution plan and making monthly/quarterly contributions, saving for retirement will be easier. A systematic contribution plan lets you take advantage of dollar cost averaging which allows you to buy more units/ shares when the price falls and fewer when it rises. Hold interest bearing investments in registered plans – Since interest income is taxed at your highest marginal tax rate, consider holding interest bearing securities in your registered accounts where they grow tax deferred (RRSPs, RRIFs) or tax free (TFSAs).
Tax-Deferred Savings Options When Retired Stay in control with a RRIF – When it is time to mature your RRSP, a RRIF is your best choice if you want to continue to manage your investments and give yourself maximum flexibility in terms of structuring your retirement income. You are required to withdraw a minimum amount each year and can choose when and how your withdrawals are paid. If you do not need the required minimum withdrawal amount for everyday spending needs, consider contributing the required withdrawal to a TFSA to continue sheltering future investment earnings from tax. Contribute after age 71 – If you have earned income after age 71 and have a spouse who is still eligible to have an RRSP, you may contribute to a Spousal RRSP and continue to take the tax deduction for your contributions. If your spouse no longer has an RRSP, there is a one-time opportunity to make an additional RRSP contribution in the year you turn age 71. Additionally, you may also contribute to a TFSA after you are no longer eligible to contribute to an RRSP.
For more information, contact:
Dan Hein, BRE
Associate Investment Advisor BMO Nesbitt Burns Inc. Medicine Hat, AB Dan.Hein@nbpcd.com www.bmo.com/nesbittburns Tel.: 403-528-6771
The comments included in this article are not intended to be a definitive analysis of tax applicability or trust and estate 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. ® “BMO (M-bar roundel symbol)” is a registered trade-mark of Bank of Montreal, used under licence. ® “Nesbitt Burns” is a registered trade-mark of BMO Nesbitt Burns Inc. BMO Nesbitt Burns Inc. is a wholly-owned subsidiary of Bank of Montreal. Opinions are those of the author and may not reflect those of BMO Nesbitt Burns. The information and opinions contained herein have been compiled from sources believed reliable but no representation or warranty, express or implied, is made as to their accuracy or completeness.
Member-Canadian Investor Protection Fund
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To the Beginning of Another
Successful Year! A Scott Cowan, Editor
year has flown by so quickly. It seems like yesterday I purchased Spotlight, and feverously published our first issue and broke even. We grew steadily and financially each month thereafter. The magazine has exploded to over one hundred twenty thousand readers, and is seen across the country. Over 20,000 dedicated e-mails go out each month. Five thousand hard copies are seen across Southern Alberta. As of next month we are expanding to ten thousand printed copies. We’re now active in Montana, Medicine Hat, Lethbridge, and Calgary. We are adding Edmonton in January. Thousands more share our publication. Our columnists and advertisers have received calls from across the country. Some claim it is the best advertising they have ever experienced based on the number of calls received. I am humbled by these reports.
We’ve been privileged to have super stars on our covers, as seen surrounding this text. Notably our special guest this month, Broadway “Motown” star, N’Kenge. Who can say they don’t recognize Captain James T. Kirk, the famous William Shatner? Peter Dinklage of “Game of Thrones,” was a thrill to feature. I got in trouble with the Shatner cover because the interview was not included. Several people were disappointed when it was unpublished. There were reasons for that and I apologize, sometimes things just happen. I no longer feature a celebrity without the accompanying interview. We have several high profile people to bring to you over the coming months. However, we’re trying to keep local content a priority, printing stories and discussing issues relevant and interesting to our advertisers, and Southern Alberta customers. We’ve garnered some criticism about a couple of our covers. Those people statistically represent less than 1% of our readers. However, I’m not in the business of offending anyone, your concerns have been heard and noted. Keep in mind we’re a cutting edge publication. I really can’t please everyone, or send a proof out to the whole city for
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With 12 Wealth Management articles now in print, we’ve heard directly & indirectly from a growing chorus of your readers. Not only is Spotlight great for our business, it turns out our column is engaging and useful for others, many that we hadn’t previously met. We applaud Scott and his team for ongoing format improvements and increased distribution – great job! Looking forward to marking 2nd anniversary and onward!! Shine on, Spotlight!
-Dan Hein BMO
opinion. So I’ll continue to use my best judgment, hopefully keeping the e-mails to a minimum.
I personally write some highly charged opinion articles. Some people love them and others send me nasty e-mails. For that I apologize to no one! I’ve been conservative since I first voted at eighteen years of age, continuing to do so. Some die hard liberals have no tolerance for any opinion but their own, and believe free speech does not apply to conservatives, especially this writer. Well, you should be happy to learn most of the complaints I receive are in fact from…conservatives. However, I do think they are so in name only, and probably vote with you anyway. I’ve always advocated for free capitalist markets. I criticize equally when so called conservatives breach those sacred walls. I believe we’re taxed and over regulated to the point of slavery. That is my position, and if you don’t like it there are several other interesting and informative columnists in our magazine. Feel free not to read me. What I write evokes a strong love hate response, and that is good either way for advertisers. Other columnists are beginning to hit the radar for the 1% crowd. Remember, we’re trying to reach the greatest numbers, and to do that; we discuss topics others won’t tackle. Not to say writers will not change. Some leave and new are added. We’re learning as we go, and always trying to improve. I would remind some local business owners that our sales reps are also your customers. We live in a small centre. On our one year anniversary, I say thankyou to our clients and readers… and stay tuned.
We love advertising in this magazine. We find it to be one of the most professional publications out there. Plus the quality of the magazine from design, articles, advertisements and the uniqueness of Spotlight itself makes it a keep sake. I’ve found this magazine has staying power, no-one throws them away. They are kept for long periods at a time in waiting areas in multiple businesses. This makes it great for advertisers they are seen over and over. For the price you will not find a better advertising publication out there. Thanks Scott.
This is the best advertising I’ve ever had. I recieve calls from all across the country. -Scott Stenbeck Lawyer
-Todd Boschee, Auto’s R Less Pg. 5
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r at one e, maid of hono he t Dear Candic be o with t n asked wedding, and g in m I have bee co up tumped on st friends d myself s of my close in f I y a would w th a te party. I t re it only a mon lo e ch ba fanfor her a bang, one h it w what to do f of ase help! o send her forget. Ple really like t r ve ne ill w she tastic night
Planning the Ultimate
Bachelorette
, Yours truly ed Maid One Stump Dear Stumped Maid,
Party
Candice Kennedy Intimate Secrets
This can be a very common problem that a lot of maids gone through, but not to worry I am here to help. Here are a few steps to help you on your way.
or if your on a budget host a dinner at home. Try Spicing up your dining area with matching plates, cups, and decorations with hilarious adult pictures on them.
The Basics Ask the bride to give you a guest list; it should include all the women in the wedding party and any additional close friends the bride would like to be there. Keeping the party a tight group (say, 10 or fewer) makes the party much simpler to coordinate.
Activities While keeping the party activities secret can be part of the fun, don’t make any plans until you ask the bride for some guidelines. Does she look forward to kissing singlehood goodbye with a wild night on the town, or would she prefer a low-key evening or weekend of female bonding with her favorite girlfriends?
The party usually takes place a week to three months before the wedding, but the only hard-and-fast rule is not to throw it the night before. Brides typically want to stay out till late and indulge for their bachelorette parties — not ideal wedding eve activities. It’s often better to schedule it at least a few weeks prior to the wedding date to give both the bachelorette and her guests a break between wedding celebrations, especially if you’re planning a weekend trip. If the bride is nervous about the bachelor party, consider planning the bachelorette for the same night to keep her too busy having fun to worry about what her future spouse is up to. Regardless of what you have in mind for the evening, be sure to incorporate transportation into your plans. Renting a limo or minibus or taking taxis everywhere means the party moves but it doesn’t stop — and ensures everyone’s safety if you expect heavy alcoholic beverage consumption. If you have a designated driver volunteer and want to keep costs down, consider renting a passenger van instead. When the guest of honor arrives, you might give her kooky novelty items to wear like a novelty wedding veil, a feather boa and a lightup engagement ring (all available at Intimate Secrets) to ensure everyone knows there’s a bachelorette in their midst. You may ask your guest to bring a few small gifts that will help spice up the night. Some of these gifts might include lingerie, fishnets, massage oil or other amusing gifts. Food Start the festivities of with a dinner at your brides favorite restaurant Pg. 8
Once you have an idea of what the guest of honor wants, ask the rest of the guests for their say. For example, are they up for a noholds-barred weekend away, or are they watching their wallets and hoping for a more affordable affair? After all, they’ll be paying not only for themselves but also for their share of the bride’s portion of the bill. As soon as you’ve gotten everyone’s input, start nailing down the details. For the wild child, try bar-hopping with bonus activities (just remember that it’s the bachelorette’s night, so don’t push her if she declines some of your out-there party pranks.) For example, put the bride in a white T-shirt and ask every man you meet to sign or draw on her shirt with marker. You might also hold the traditional bachelorette scavenger hunt: Assign the bride a list of dares to complete, such as serenading a strange man, doing a body shot or getting a guy to give her his boxers. And there’s always giving the bachelorette a candy necklace to put on and charge a dollar to let men nibble a piece off her neck. Heres to good times with great women.
Candice Kennedy Intimate Secrets
To have your questions answered please write to intimatesecrets@intimatesecrets.net. Any questions sexually charged or graphic will be edited for tasteful publication or answered by email.
DREW BARNES MLA
Cypress - Medicine Hat
Ph: 403-528-2191 E: cypress.medicinehat@assembly.ab.ca
The Correction Line Most people in rural Alberta have a pretty clear understanding of how Dominion Lands Survey System (or DLS), works with our township and range road mapping system, which is a basic grid system sequentially numbered. Due to what is referred to as the convergence of meridians (distance allowance for the curvature of the earth), a correction line is required. The idea behind this system was to break the land into townships with 36 sections each that were approximately one square mile to make locating exact locations more precise. The correction lines are necessary because we are sectioning squares on a curved surface. Correction lines are generally done every four townships (24 miles) running south to north and are a correction of about 1 mile. In Alberta politics, at every level, we now have a political correction line; these are better known as elections. As with the correction lines every four townships, we now have an opportunity to get ourselves and our governmental bodies headed back in the right direction every four years. These political correction lines (elections) are an opportunity for the taxpayer to decide which people they feel will take responsibility for the current state of the government body and work towards applying the needed corrections to right the course. In Alberta, we face many challenges as the Wildrose Official Opposition but none more important than correcting the line we’re travelling on now as a province. As we look towards 2016 and the next provincial election, the weight of that responsibility is never far from my thoughts. If we successfully challenge for the leadership of the province in four years, we must be prepared to take on the responsibility of what our predecessors pass on to us. Accepting the responsibility for everything in your purview as a government allows you the ability to move forward and apply the correction. Without the responsibility, any progress is negated. Anyone new to a public office faces new challenges. I’ve had the humble opportunity to serve as the M.L.A. for the constituency of Cypress – Medicine Hat for almost a year and half now, and I can personally attest to those challenges! Learning exactly what those challenges will be is something that not only new faces need to understand, but also those people holding public office as incumbents. For incumbents, hitting the reset button with every new election gives them a renewed perspective of exactly what responsibilities they are taking on. This is an important component because you pick up where the predecessors left off; you don’t get to start back at the beginning. On a municipal level in October, we had many dedicated people who put their names forward to represent the taxpayers. If I can pass along one message to all of them it would be this: understanding and accepting where you are is the first step to getting where you need to go. Pg. 9
OSTEOP
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POROSIS Are You at Risk? Osteoporosis is a condition in which the bones lose density and become less strong than normal bones thus increasing the risk of fracture even with minor trauma. Osteoporosis and low bone mass affect an estimated 48 million North Americans with 11 million having osteoporosis and the remaining having a low bone mass, called osteopenia. Bone is normally in a constant state of change and is continually being remodeled. Old bone is resorbed by cells called osteoclasts and new bone is formed by cells called osteoblasts. This dynamic process allows bone to be repaired and to adapt to any stresses than may occur. Osteopenia and osteoporosis develop when there is a mismatch between osteoclastic and osteoblastic activity. That is, more bone is resorbed than is formed with the result being the weakening of the bone structure and an increased risk of fracture. There are 2 types of bone – cancellous bone and cortical bone. Cancellous bone forms the inner softer portion of the bone and is more prone to bone loss. The outer harder layer of bone is called the cortical bone. Cancellous bone undergoes turnover faster than cortical bone and is more rapidly affected if there is a mismatch between osteoclastic and osteoblastic activity. Certain areas of the body have a higher ratio of cancellous to cortical bone and are therefore more prone to fracture if bone loss occurs. These areas include the spine, wrist and hip. Most of an individual’s bone mass has been achieved by early adulthood after which it declines throughout the rest of a person’s life. There is a normal rate of decline in bone mass with age for both men and women. However, additional bone loss occurs in women as a result of menopause. Women can lose up to 20% of the total bone mass during this time. Since women generally have a lower bone mass than men to begin with, the result is a higher risk of fracture in postmenopausal women as compared to men of the same age. Nevertheless, men may also suffer from osteoporosis if they have certain risk factors. Besides age, and menopause there are several risk factors that may lead to osteoporosis. These include certain medications, particularly steroids, cancer, an overactive parathyroid gland, vitamin D deficiency, low testosterone level in men, family history of osteoporosis, sedentary life style, alcohol abuse and smoking. There are several ways to measure bone density. A common way is by using an ultrasound screening test to measure the heel bone. This is a crude test and can only identify the possibility of a problem but it is not accurate for follow up and is not used on areas that are most likely to fracture such as the spine or hip.
By Dr. Ken Blair
in the spine and hip. Strong, dense bones allow less of the X-ray beam to pass through them. The amounts of each x-ray beam that are blocked by bone and soft tissue are compared to each other. DEXA can measure as little as 2% of bone loss per year. The test is simple and is easy to perform. The person being tested lays on a table and the technologist positions the scanner over the hip and then the spine and the measurements are taken and sent to a computer for analysis. The test takes only about 20 minutes to perform and is completely painless. Sometimes the forearm is scanned, particularly if accurate results cannot be obtained from the spine or hip because of severe arthritic changes or previous surgery such as hip replacement. The results are reported as your “T score.” Your T score is your Bone Mineral Density (BMD) compared to a healthy 30 year old of the same sex. It is expressed as a standard deviation (SD), a statistical measurement of how close your score is to the average (mean) of the group. The average BMD is determined by measuring the bone density of a large group of 30-year olds. Most 30 year old have a BMD value within 2 SDs of the mean. A normal BMD is less than 1 SD below the young adult reference range. 1 to 2.5 SDs below the normal range indicates a low bone mass or osteopenia. More than 2.5 SDs below the normal range indicates osteoporosis and an increased fracture risk. Prevention and treatment of bone loss can include calcium and vitamin D supplements, weight bearing exercises such as walking and weight training, maintaining a healthy body weight, proper diet, limited alcohol use, smoking cessation and certain medications prescribed by your doctor such as bisphosphonates, calcitonin, or hormone replacement (for women). The current Canadian indications for a BMD test are: men and women 50 years and older, fragility fracture after age 40 years, prolonged steroid use, use of other high-risk medications, parental hip fracture, spine fracture on x-ray, current smoking, high alcohol intake, low body weight, rheumatoid arthritis, premature menopause (below 45 years), malabsorption syndromes, overactive parathyroid gland, or other disorders associated with osteoporosis such as certain treatments for breast or prostate cancer. If you are over 50 years of age or have any risk factors ask your doctor for a BMD test. If your results are low you may have the chance to stop or reverse bone loss and prevent future fractures.
The currently used most accurate test is called Dual-energy X-ray absorptiometry (DEXA) and is the method used at BlairGripp-Stubbs and Associates Radiology. This technique uses 2 different very low dose x-ray beams to estimate the bone density Pg. 11
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On the Red Carpet GAINSBORO SPOTLIGHT Our celebrity cover on our one year anniversary month is none other than N’Kenge Pacurar. One of the stars of the Broadway smash hit musical, “Motown.” We first caught up with her at New York’s Couture Fashion week. She was one of the entertainers, and definitely the most memorable! A television station was short an interviewer. Scott was lucky enough to be asked to fill in on a moment’s notice. It was an incredible stroke of luck to be asked to speak with some one of this stature. After our ten minutes behind the camera he offered a card and asked for a spotlight interview. Incredibly she e-mailed us the next day with tickets, and time promised after the show on the big stage! Most celebrities we meet are wonderful people, but just to give you an idea how down to earth N’Kenge really is, she didn’t hesitate a moment in giving me her home address and cell number. I’d asked where I could send a copy of this story.
career high light. She said, “I was out there in the cold, with a cute outfit, it was a huge wardrobe malfunction. I was almost too cold to sing.” But she got through it with cheering crowds in attendance. I especially want to mention and promote N’Kenge’s “Holiday Magic Show,” December 8/9 8:30 PM, at the Triad Theatre, Stage72. If you’re in New York don’t miss it, a great holiday entertainment evening. For Canadian fans, N’Kenge has performed with the Ottawa Symphony twice, then in Niagara Falls. I had to ask if her name had special meaning. Yes, she responded it is African for, “Superior in mind.” I don’t think anyone was ever more aptly named. Her first Broadway experience was as the understudy for Vanessa Williams. She says her first time on stage was almost an out of body experience. It was compounded emotionally by the passing of her father the same week. He was her cheer leader having never missed any of the shows she was playing.
As our time lapsed there on that stage, Scott asked for a special favor. She laughed, and then danced with him. A few twirls, and they glided off the stage. It was his Broadway debut, and swan song. N’Kenge is a star who gave a simple magazine editor an instant of fame to an audience of two, and a life time of career memories, all in a moment.
The song “That’s Why I Love This Man,” was written by her for her husband. There was hardly a dry eye in the house. Behind most all fantastic singers is a school voice, or drama teacher, and N’Kenge is no different. Barb Hartnig in the Bronx PS95 School, in fifth grade, sparked the beginning. Her first role ever was Patty in “Poor Sweet Baby Charlie Brown.” That elementary beginning led to a distinguished Broadway career. Giving back and being a positive role model is always on this celebrities mind. N’Kenge works with CAPA, an organization who promotes classical music to African American children. Her advice to aspiring singers and actors is to audition for everything. Even if you’re turned down, or not right for the role, the right people see you; and it leads to your first part. You’ll hear no much more than yes, but it is worth the effort. Singing for President Obama after he took the oath of office was a Pg. 13
Spotlight editor Scott Cowan with broadway star N’Kenge Pacurar Pg. 14
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CHOOSING THE RIGHT CABINETS AND LIGHTING FOR YOUR HOME Brad Vanderheide Carefree Kitchens & Lighting
When it comes to updating your home or building a new one, it can be quite overwhelming. Sometimes, even if you know what you like. The nice thing nowadays is that you can go online and look at examples of other homes and specific areas of homes to get an idea of what you really like, and it’s free! There are more selections, colors, options and styles available now then there ever have been. The possibilities are endless. This can come at a price though…just because you can get a multi-zone heating and air-conditioning unit, a complete home audio/video system with integrated programmable lights, blinds and thermostat features, doesn’t mean you don’t need to be careful where you make your purchase. There are some very good trades and suppliers out there, and I would recommend making sure and doing some research before you give them your business, especially if you haven’t gotten a referral from a friend or family member. See if they are a member of your specific region of the CHBA (Canadian Home Builders Association), BBB (Better Business Bureau), CFIB (Canadian Federation of Independent Business) and/or the Chamber of Commerce. Being able to turn your in-floor heating on from your iphone is pretty cool, but make sure you have a trustworthy source from a person, people or business that can help when things go wrong with it, because it happens more often than people think. The more common things though are picking out the right decorative products, colors, styles and materials to make your home look the way you want. Having gone through this process multiple times myself, and running our family business Carefree Kitchens & Lighting
in Lethbridge, I’ve been lucky enough to help others pick the right cabinets and lighting fixtures for their home. The process though of selecting products can be daunting, and sometimes even seems like the whole thing may not have been worth it. The stress of not knowing that what you picked will look the best, can be intense. What can I say? There are 2 things…first of all trust your gut, and your first instinct. They are almost always right. Secondly, is trust someone who you know who has experience and has done this before. (Whatever it is you are doing to your home)…This may be a different person for each area of your home. Possibly an interior designer who you know, have been referred to, or have chosen from talking to different professionals. If you get lucky enough to deal with a great salesperson at a specific business for a product you are seeking to purchase, then ask lots of questions. They may be able to save you thousands of dollars, and hours of headaches. Stick to your first thoughts, your gut and people you trust who have experience in those areas. You’ll be okay and make great decisions along the way. Of course if there are two of you making these decisions together, then compromise may be the order of the day. Pick your battles accordingly, if it comes to that, because in the end it’s a house. But the people you share it with are your life.
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There’s a Story Behind Every Smile! By Neil Nichols, D.M.D. Crestwood Dental Clinic I’m Dr. Neil Nichols. I have been a dentist at Crestwood Dental in Medicine Hat since 2004. I perform all aspects of dentistry including pediatrics, endodontics (root canals) and crown & bridge but particularly enjoy doing oral surgery and implants. I have attended many lectures and training courses to keep my skills up to date in my practice. I take great pride in trying to provide quality dentistry and excellent service to all my patients. Originally from Yorkton Saskatchewan, I lived in Saskatoon for eight years where I completed all my post-secondary education and received a Biology degree prior to entering dental school. More importantly, I met my future wife Lisa and we both graduated in 2004 from the University of Saskatchewan in dentistry and pharmacy respectively. Lisa and I made the decision to move to Medicine Hat and have never looked back. Since moving to Medicine Hat, Lisa and I have added two very energetic girls to the family, Kate and Anna, and have recently celebrated our tenth anniversary. If you see us around town, it is usually chasing kids around and enjoying various activities like swimming, playing at the park, dance class, etc. Some of my most enjoyable moments in life have been on road trips with the family to places like Whitefish, Yellowstone, Fairmont and Banff. Thank goodness for DVD players and tablets, I’m not sure how my parents survived road trips. Lisa and I are very lucky and have had the chance to travel to some beautiful places by ourselves. Our most memorable trips include going to Maui, Italy and New York. All awesome places, but my opinion, it’s difficult to beat the beauty and relaxing feel of Maui. In my own spare time (which there is not that much of anymore), I am an avid golfer and a relentless sports fan. I have had the opportunity to see all of my favorite teams play live with the exception of seeing the Dallas Cowboys in their new stadium which is a dream of mine. In the last five years, I have taken a keen interest in the culinary world and will never pass up a chance to try something new or cook something for the first time. My personal specialty is spinach and goat cheese risotto. So, if it’s time for a check up, whether its been one year or twenty since your last visit, if you have thirty-two teeth or two, why don’t you come down to Crestwood Dental and I would be happy to meet you and go over all your options in a friendly and comfortable environment.
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Scott Stenbeck - Local Divorce Litigation Lawyer
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For a Fight of 45 Minutes, You Have to Train 45,000 Minutes The title of this article is a quote from Rocky Balboa’s trainer, Mick, and I think it was from Rocky II. I’m not going to watch Rocky II all over again just to make sure I’m right, but since Mick seemed distant and bitter most of Rocky I, and he didn’t live that far into Rocky III, my guess seems likely to be correct. When I think about the successes that I have had for clients, it has always come down to preparation. Events of this very month were a reminder of that. Back in May of this year, I ran a hearing at the Alberta Utilities Commission for two groups of clients. Concerning the routing of a proposed Altalink transmission line. An area to the East of Calgary and crossing the Bow River. I just received the final decision back, a complete win on all issues. These folks were smart in that they acted as soon as they got wind of any possible project, even before the application for the transmission line was filed. As a result I was able to get ahead of the power curve and stay there the whole time. I was able to tour the lands concerned, and began dealing with Altalink even before they finalized what they were applying for. We were able to do an analysis early, and even get modifications to the proposed route prior to the application going in. I was able to contact and retain and reserve for our side of the case some of the best experts in Agriculture, Environmental Impact, and Transmission Line Routing in the Province, and have them prepared and ready to go early. Over 50% of the final cost (which landowners get reimbursed for by Altalink in many cases) of my work in the project had to do with preparation. When the time came to do the hearing, it wasn’t a matter of scrambling to get material and expert evidence together and prepared. All that had already been done. Instead, I was able, in a calm and collected way, to survey the whole situation and make decisions as to strategy and tactics. As evidence and material came in from the other parties involved, I was able to react and change our approach to give the client the best advantage possible. Rather than worry about pulling together basic material for our case, as that had been done months before. At the end of the day, I was able to spend a week in hearing where I made real forward strides for the client in cross examinations, and to
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present our evidence in a way that came across as well prepared, but not overly rehearsed. At the end, because there had been enough time to let our position really settle in and for me to really think about it from all angles, we were able to submit a final argument that saw us win a major hearing on every point that we asked for.
Now, it doesn’t always go this way, and I still will take cases at the last minute, but the above is an optimal situation. I also go through the above to say this. Often people think that they pay me to generate paper in the form of letters, affidavits, and briefs, and that certainly is part of what I do. But the part of my job that gets me the success I have for clients and really makes the difference is the time I spend in preparation. Sometimes it is difficult to explain, because it doesn’t generate anything tangible until you see me use it in Court or in a Hearing. When a case settles when I don’t have to actually run it in Court, it is usually because my preparation enabled me to reason with an opposing party well enough about the case to bring about a settlement, and in that situation, it is especially tough to explain to someone why they are being charged preparation time; when they weren’t able to see me use it.
I don’t prepare 1000 hours for a chambers application of one hour like Mick told Rocky he needs to. But I usually do tell folks to bank on me spending about 3 to 5 times as much time getting ready for Court, or for any step in the process, for the time I will actually be in Court. I think that any good and competent litigation lawyer does the same. When you engage legal services in a contested matter, if you were in Court for an hour, you should hope that you see on your bill a charge for at least a couple hours of prep time, where your lawyer reviewed your file prior to Court, made some notes on the argument they would present, and just generally got ready. You may not get a nifty letter or an affidavit for that time spent, but that preparation will figure more than most other things in the result you achieve.
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ARE YOU AN “EFFICIENT” INVESTOR? Jackson Woodruff Financial Advisor
Generally speaking, if you’re efficient at a particular task, you’ll get good results without wasting effort. As you’ve already learned from your life experiences, it’s usually far better to be efficient at something than to be inefficient — and that’s certainly true with investing. So, what can you do to become a more efficient investor? Here are a few ideas:
Invest systematically
If you put a few dollars in an investment, such as a stock, that you heard was “hot,” and then a few months later put some more money in another vehicle that strikes your fancy, and you continue this pattern indefinitely, you may not be maximizing your resources. By taking this type of haphazard approach, you could end up owning a bunch of investments without rhyme or reason — a motley assortment that may not help you reach your goals. Instead of following this route, consider a systematic approach, sometimes known as dollar cost averaging. To do so, you’ll first want to identify some investments that are appropriate for your objectives, risk tolerance and time horizon. Then, automatically move the same amount of money each month from your chequing or savings account into the investments you’ve chosen. When the price of your investments falls, your contribution will buy more shares, and when the price rises, you’ll buy fewer shares — in other words, you’ll be fulfilling the “buy low” part of the classic investment formula. Over time, this technique should result in a lower average cost per investment. Keep in mind, though, that dollar cost averaging does not ensure a profit or protect against loss — and you’ll need to have the financial resources available to continue investing, even in “down” markets.
Reinvest dividends
Among your investments, you may own stocks that can pay dividends. You can take these dividends as cash, but if you don’t need the money to meet everyday expenses, you may be better off by reinvesting the dividends. This is an efficient way to increase your shares — and boosting your share ownership in quality investments can be a key way to help build wealth. (Be aware that companies
can increase, decrease or discontinue dividends at any time.)
Look for tax-efficient techniques
Another type of efficiency associated with investing is tax efficiency, which refers to your ability to defer taxes as long as possible. Taxdeferred accounts, such as a TFSA can help you put off the tax bill until retirement, when you may be in a lower tax bracket.
Consolidate investment accounts
If you have one RRSP with one financial services provider, another with a second, and a separate investment account with a third, you may end up paying more in expenses, fees and commissions than is necessary — and since these costs can eat into your investments’ “real” rate of return, this scattershot ownership method may be inefficient. You may be better off by consolidating all your investment accounts with one provider. Seek to become an efficient investor. You may be pleased with the results. Edward Jones, Member – Canadian Investor Protection Fund
2B-40 Strachan Court S.E. Medicine Hat, AB Bus: 403-504-0550 Fax: 877-335-9404 jackson.woodruff@edwardjones.com www.edwardjones.com
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Spotlight magazine editor Scott Cowan (above left) is proud to endorse Sanctuary for kids.
HOW TO DONATE
The mission of Sanctuary for Kids is to improve the lives of children around the world who need protection and are in crisis – those who are exploited, dispossessed and threatened. S4K will accomplish this mission in two fundamental ways: • •
Fundraising through online auctions and donations Donating those funds to existing programs around the world where it has been determined an immediate need is evident and a tangible difference will be made by applying these funds
S4K was founded by Amanda Tapping, Damian Kindler, and Jill Bodie through their connection to the television series Sanctuary. Back in 2008 Amanda Tapping, Damian Kindler, Jill Bodie, and Carole Appleby (our newest board member) set out to form a charitable organization that helped children in crisis around the world. We spent a year researching different not-for profits and meeting with business leaders in an effort to get our project right. We wanted to create an organization that established real relationships with our charities. We wanted to service them in the best way possible and really establish on an ongoing basis what their specific needs were. We didn’t just want to write cheques, we wanted to be a part of the initiatives that they needed to continue their work. We knew that we would be harnessing the tremendous support, generosity and power of Sci-Fi fandom but we had no idea how formidable that power would be. We launched Sanctuary for Kids in November of 2009 and to date we have now raised over $500,000. To say that we have been overPg. 26
whelmed would be an understatement. To say that we have been humbled would be an understatement. To say that we are elated would be an understatement. It is amazing what can happen when people work together. This money has been raised and will continue to be raised by many efforts: Beyond raising money, we seem to have built a community- of friends first and foremost, and of people who together want to make a difference and have found that that change begins within themselves. People are pushing themselves to be their best selves as they raise this money outlined above. They are making pigrimages to work in Nepal. They are donating to causes within their local communities by being inspired by this virtual one. They are sharing their work with others. This is most inspiring to the four of us.
Vist the Sanctuary for Kids website for details on various ways to donate to the organization. www.sanctuaryforkids.org
You can help the organization by: • Money Donation • Purchase Sanctuary for Kids merchandise
• Holding your own fundraising event • Participate in their online auctions.
Superstar Amanda Tapping on the ground in Nepal.
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Art View | Theresa Eisenbarth
www.artworksinred.com | theresa@artworksinred.ca
Spock and Captain Kirk: Assets in Your Creative Process
R
ecently I attended an art workshop in Vancouver hosted by Deb Chaney called “Energizing and Experimental.” It was a solid review of abstract techniques, acrylics, and working with the exciting world of mixed-media paints. Emphasis was on the experimentation with creating a piece of art. The most important tip I learned was to develop a method of analysis to look at my artworks, a thirdparty way of seeing. This different mode of seeing is necessary to have a discriminating and critical eye to be able to solve problem areas which require reworking. To grasp what areas of the work need correcting, I have used a reverse mirror, to look at my work, snapped black and white photos while painting to review the value structure, and have even looked at my pieces using colored filters embedded in the new iPhone camera apps. Deb related the method of analysis to the characters of Spock and Captain Kirk from Star Trek. Spock is the left side of the brain: analytical, systematic and factual. Captain Kirk is the right side of the brain: emotional, intuitive, instinctive and reactionary. With your Captain Kirk Hat mentality, you can take the painting to a new, inspirational level. You start off with a bang: jumping into the piece with all your force - just like Captain Kirk does in a dangerous situation in the movie. You pick colours that feel right or select a compositional style intuitively because it looks a certain way to your artist’s eye. You fudge your way along, going with your gut to conquer the work.
When elements aren’t coming together and the work is at a stand-still, Deb suggested you put on your Spock Hat mentality. Spock is the left side of the brain viewing all the elements with a detached, discerning and critical eye. Analyze the elements of the situation: composition, colour and content. With Spock in tow, you ask the hard questions. What basic composition or design style did I select? What is the colour combination? Can I adjust my colour whether analogous, complimentary or split-complimentary to make the piece more unified? Lastly, what am I really trying to communicate to the viewer? What is the story behind the piece and what inspiration am I trying to portray? Getting clear on these elements and looking at the piece in the Spock mode can give the work a whole new and fresh perspective to finish strong. Deb Chaney is a contemporary, large canvas abstract artist located in Vancouver. British Columbia. To view more of her work, please click away at: www.debchaney.com. Theresa Eisenbarth is a Medicine Hat Artist at ArtWorks in Red Studio. To see her current work, please visit www. artworksinred.com or live in person at Inspire Studio, Gallery & Café or Annie McGuire’s Design Interiors.
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HUNTING IN SOUTHERN ALBERTA By Patrick Schile
I have been hunting in this area for over 28 yrs. And we have some of the best deer hunting anywhere. The terrain of the rolling hills and valleys carved by the glaciers of the last ice age are suited to the mule deer. The whitetail deer are around but not in the numbers they used to be. This could be corrected if they too were put on the draw system but that is whole other article. As you drive out of town, you will see a ton of pastures and farm land. As you look out and see the cliffs of the valleys and coulees you will find some of the record class mule deer any hunter longs to see. They will be laying in the afternoon sun, resting in the bushes and tall grass. The deer are waiting till dusk to come out and eat on the rich grass or crops that have just been harvested in the fall. If you want to find those record bucks, you have to start looking for them in the summer. That’s right long hours watching way before hunting season even begins. As I take the wife and kids for a drive in the country, we are really going out spotting deer. We are learning where they go to get water and the paths they take from there bedding areas to the fields. You have to find their routines as they are all about habit. Always aware of their surroundings, those big ears are forever on the alert to hear anything coming. Unlike whitetail deer who have amazing eyesight, mule deer have amazing hearing. So when it comes time to start the hunt in the fall, always pay attention to noise that you make. What you don’t think is much noise can notify the deer from a great distance. The bigger, smart bucks always keep a lot of doe’s around to be on the alert to warn him of danger. So stay far enough away. I highly recommend a great pair of binoculars and a great spotting scope so you are able to glass the terrain over to find the trophy deer. Once you locate them and if you did your home work early in the year, you would know his home area and what he will do next. I have found by doing the work before in learning the terrain and his habits it puts the odds in your favour, which if it all goes well it should be a successful day.
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CROSSWORD
PUZZLE
Crossword puzzles provided by BestCrosswords.com (http://www.bestcrosswords.com). Used with permission.
Across 1- Deli side 5- Colors 9- Boy or man 13- Garment of ancient Rome 14- Chilean pianist Claudio 16- “The Clan of the Cave Bear” author 17- Impressed 18- Sleeveless garments 19- Feminine suffix 20- Dweeb 21- Citrus cooler 22- Greek goddess of the hearth 24- Carson’s successor 26- Portable shelter 27- Boxing venue 29- Furniture for holding clothes 33- Snow conveyances 34- Words of woe 35- Like Nash’s lama 36- Occurrence 37- Avarice 38- Sick 39- Archipelago part
41- Has a bug 42- Name on a bomber 44- Excessive secretion of saliva 46- View 47- New Year’s word 48- Demonstrate 49- Large towns 52- Enemy 53- Stool pigeon: var. 57- Part of HOMES 58- Start of a Dickens title 60- “The Time Machine” race 61- Specks 62- Klondike territory 63- Fly 64- What’s ___ for me? 65- Start of a counting rhyme 66- Done for Down 1- Ollie’s partner 2- Actor Rob 3- Antiquing agent 4- Walked like a duck 5- Capital of Cuba 6- Hives
7- Scottish Gaelic 8- Posed 9- Conductor 10- Em, e.g. 11- Director Riefenstahl 12- Zeno’s home 15- Conducted 23- Break off 25- Nav. officer 26- Domesticates 27- As ___ resort 28- Answer 29- Engulf
30- Pungent bulb 31- Ball girl 32- Singer Fitzgerald 33- Vessel 34- Come up 37- Contradict 40- Least difficult 42- Green prefix 43- Novelty 45- Caustic stuff 46- Lustrous 48- Athenian lawgiver 49- Basic monetary unit of Ghana
50- Golf club which can be numbered 1 to 9 51- South American monkey 52- Simulate 54- Baseball family name 55- Horse of mixed color 56- “Star Trek” captain 59- Calendar abbr. Answer: Pg. 34
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LAVAR PAYNE
P
arliament resumes on October 16, 2013 and commences with the Speech from the Throne. While I don’t know the specific contents of the Speech, I am sure it will direct the continuance of our primary focus: the economy. With this in mind, Minister Oliver and Toshimitsu Motegi, Japan’s Minister of Economy, Trade and Industry, signed a ‘Statement on Oil and Gas Cooperation’ that will enhance bi-lateral energy matters for our two countries. Some additional good news on the economy was also announced by Statistics Canada. Over 11,900 new jobs were created this past September with continued growth in the private sector of our economy. It should also be noted that our unemployment rate fell to 6.9% - the lowest level since December, 2008. With the additional new jobs created we have added over 1 million net new jobs to the Canadian economy since the start of the recession. However, we must continue to be vigilant, with our focus firmly on the economy. Canada is part of the global economy which continues to be much weaker and, as we are an exporting nation, still has an impact for Canadians. Our Conservative Government recognizes that it is extremely important to grow our economy, thus we continue to actively pursue Free Trade Agreements with numerous countries to increase the number of trading partners for Canadian products. These agreements include the European Union, Trans Pacific Partnership and South Korea, with many other countries still participating in talks to establish Free Trade agreements with Canada. Increased exports of Canadian products will benefit all Canadians and expand our economy with increased trade and job opportunities. On September 7th I attended a celebration of Alberta Beef at the Brooks Lakeside Leisure Centre. This event was sponsored by several organizations including the Alberta Beef Producers and JBS Beef plant in Brooks. My wife and I enjoyed visiting with the many people who attended from Brooks and County of Newell.
Answer to Crossword
On September 8th my wife and I were guests of the British High Commission at Spruce Meadows for the celebration of British
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MP, Medicine Hat, Alberta Day. I spent some time discussing the situation of British Army Training Unit Suffield (BATUS) and their continued presence at CFB Suffield with the High Commissioner along with the senior BATUS military. On September 12th, we were pleased to attend an evening organized by the Great Commission to meet several Ambassadors who and are looking for partnerships or investments from organizations and businesses in Southern Alberta. I thank the organizers, Stuart Rempel, President of the Great Commission and Jerry Sherman. The local South Asian community held a Cultural Evening at the Cypress Centre which I attended with my wife Micheline. We invited several guests to attend the event with us and the large and enthusiastic crowd in attendance. The event show-cased several Cultural dancers and many delicious Asian foods. My good friend Devinder Shory, Member of Parliament for Calgary North East, travelled to Medicine Hat to attend this magnificent event in celebration of the many Canadians of South East Asian descent in the community. On September 18th, my wife and I were delighted to attend the Medicine Hat Chapter of the Friendship Force who hosted a dinner for the visiting members of the New Zealand Club. As the Member of Parliament I welcomed the New Zealand visitors on behalf of our Conservative Government. The Medicine Hat members impressed the visitors with a week of enjoying the sites and happenings in and around our Gas City. 0n September 24th, I hosted my Alberta Colleagues in Medicine Hat and showed them some warm south Alberta hospitality. The Alberta Conservative Members of Parliament and Alberta Senators arrived for our Alberta Caucus meeting. As always, my prime concern is to serve you the people of the Medicine Hat Riding. If you have any questions, comments, or concerns, I welcome your calls, emails and letters. I can be reached in Ottawa, or through my offices in Brooks, Taber or Medicine Hat.
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