VOLUME 2.14
Frosty Valentines Day spotlightmagazine.ca
Cover photo Joan Bateman / Gainsboro Studio
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Page 7
OLY’S
contents
Alehouse and Eatery The first and third fridays of every month we serve German meals Daily food and drink specials Sunday pool tournaments
FEATURES
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417, 7 St. S.W. Medicine Hat | 403-548-6597
SPOTLIGHT
MAGAZINE
EDITOR SCOTT COWAN (403) 504-7092 ART DIRECTOR JOAN BATEMAN SALES OREST TKACHYK (403) 878-3260 LYNNETTE SCHILE (403) 581-8075 JANA ROOSE (403) 878-0471 AVA BARTSCH (403) 952-6872
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. Pg. 2
RaeCor Enterprises Ltd. Glen Stodolka 4-5 Notes From N’Kenge N’Kenge 6-7
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Keeping The Romance Alive After Marriage Candice Kennedy 8 What’s The Importance of Getting The Right Lighting Fixtures For Your Home Brad Vanderheide 11 Ice Fishing In Southern Alberta Patrick Schile 13 RRSP’s - Tips & Strategies Dan Hein 15 A Message From Lavar Payne 20 Who Says Your Relationship Failed Scott Stenbeck 23 Do We Really Even Need A Wedding Registry? Leslie Cochran 24 Gluten Free Nutella No Bake Cheese Cake Eclectic Chicks 26 Estate Considerations for RRSP, RRIF and TFSA Holders Jackson Woodruff 27 Heartbreaker Dance & Fitness Marla Howard 29 Wildrose Gears Up For Action Packed 2014 Drew Barnes 30 There’s A Story Behind Every Smile Denise Ries 31 Crossword Puzzle 32
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L a s t month...
Residential & Commercial Projects
we introduced our company and what we had to offer, when it comes to home renovations, this month we’d like to highlight a new branch to our company. RaeCor is proud to announce that we have recently started a building furniture and home décor line. But it is not like anything else you will find. At RaeCor, we like to be creative and challenge our abilities. The type of Furniture and home décor that you will find here are things you have always dreamed of, but never knew where to find. Many have tried to build it themselves. We are inspired by a lot of recycled furniture ideas that you might find on Pinterest. Then we add a touch of RaeCor to each piece. We use a lot of recycled materials and/or scraps destined for the garbage. Anything from wood pallets, broken tiles, barn woods, old windows and doors. We create mosaic center tables, sofa tables, wall art, window benches just to name a few. We will also let you design your own piece. We will make it for you, complete with your colors and sizes. So if you are looking for something unique for your home besides hardwood floors, tile work or general renovations come see how RaeCor can spice up your home. This spring we will also be offering some classes on how to create some of these works of art yourself! Follow us on Facebook www.facebook.com/RaecorEnterprises Ltd. Come check us out at our NEW Showroom located at #1079 Factory St SE.
403-526-1196 • www.raecor.com • 1079 Factory Street S.E. Pg. 4
It’s an experience just to be here, and if you haven’t seen it you are missing out!!! Pg. 5
S E T O N from
e g n e N’K
Happy 2014! I am very excited to be a part of the Spotlight Magazine family. I met Editor Bradley Scott Cowan when I performed for Couture Fashion Week. After the show I got the pleasure of meeting Joan Bateman and Scott Cowan. I later was interviewed by Mr. Scott Cowan for the Anniversary issue. It was truly an honor to be the cover story and I’ve been a fan of Spotlight Magazine ever since.
I was happy to share the stage with the remarkable a-cappella ensemble “Chapter 6”. This talented group have been together for many years and their voices matched with their vocal arrangements are superb! Definitely check them out if you happen to be traveling to a city where they are performing in.
I’ve always loved performing since I was very young. My Mom enrolled me in music and dance classes at Harlem school of the Arts. I was instantly hooked and continued my studies with a fantastic vocal teacher who steered me towards Opera. While completing my graduate studies at the Juilliard School, I was already performing extensively. I’ve had great opportunities singing from Opera to Pop music throughout Europe, Israel, the UK and even the White House. If you love the arts, New York City has unlimited opportunities.
Photo Credit: Chiun-Kai Shih
N’Kenge’s
PlatinumJu
kebox!
I’m currently performing the role of Mary Wells in the Broadway Motown Musical. I was with the production from the very beginning of development when we started table readings of the script three years ago. The performers and creative team spent so much time together that Motown really is a big family. We like to say there is No town like Motown. Recently, I took a break from my Motown family. It was my vacation but who needs a vacation when you get an amazing chance to perform with a full orchestra. I was a soloist with the Naples Philharmonic in Naples Florida. The concert was called Disco Days and Boogie Nights. I wish you had been there, the patrons were on their feet moving to the rhythm of the music. Myself along with the Orchestra were dressed in clothing which reflected the Disco 70’s era and we were led by the brilliant Pops Conductor Jack Everly. CONCERT MASTER Glenn Basham with N’Kenge
(Chapter 6 with N’Kenge http://www.chapter6.com/) After meeting their families, it was beautiful to see the love and bond between the wives, kids and parents. As a traveling performer it’s really important to have the support of your family. Speaking from experience, it can get very lonely on the road if you don’t have your loved ones with you. Like myself, I’m sure many of you are looking forward to Valentines Day, which has now become an American international phenomena. Many of us take advantage of this month to shower our loved ones with gifts, flowers and sweet notes. Just know that it shouldn’t stop after February 14. Make every day a Valentines Day. Check out N’Kenge’s song “That’s Why I Love This Man” that was performed at Couture Fashion Week at her Divankenge YouTube Channel For more on N’Kenge and the world of music, please visit www.nkengemusic.com
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E
ach month I will feature an Artist I think is remarkable in my Platinu m Jukebox. This month is Ryan Shaw . Ryan describes his music as rock infused soul music with a cup and a half of gospel . Ryan received his third Grammy Nomin ation this year for his song YESTERDAY. In addition, he is currently playing the ico nic role of Stevie Wonder in Motown: The Musical on Broadway. This fantastic album is available Worldwide on iTunes, Amazon and everywhere!
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o R e h t g Keepin
mance
r Alive Afte
e g a i r r a M , Kennedy Candice ts Secre Intimate
Dear Candice,
Lately I feel that my marriage has slowly been falling into a dull routine. I am afraid that all the stress of children and bil s is starting to smolder the flame we once had. Do you have any tips and ideas on how to keep the romance burning? Thanks, Dying Flame
}
O
ften after marriage we find ourselves slipping into a comfortable yet monotonous routine. We forget that a little spontaneity goes a long way. There are many excuses we can make about “not having time”, but the end of it all, in order to maintain a happy successful marriage time has to be made and put forth. Before you find yourself bored with your marriage it might be time to infuse some freshness into the relationship.
Go on a date – Rediscover yourselves and each other. Meet for a drink or play pretend games and pick up each other at the bar. Talk about anything except for your family, kids, bills – what you deal with once you get home. Remember how the initial days of courtship were and aim to recreate that magic… Express your love more often by gestures, kisses, intimacy and more importantly, words! Say “I love you” and look into each others eyes when you do so. Keep in touch…literally. Touch your partner
more often when out in public. Holding hands, impromptu hugs, touching face, hair, shoulder…anything. These non-sexual but comforting actions tell your partner how much you like being connected to them. Don’t shy away – let your children see and feel how much you love, care and respect each other.
Keep surprising your partner – Stop taking
your partner for granted. Plan a surprise at least once a week. It can be anything – as simple as a love note and a flower or as extravagant as a weekend trip to an exotic location.
Do things on a whim! Let that be walking in the rain or bunking work and going for a movie. You need to put the craziness back into Pg. 8
your relationship.
Take up dancing – it is never too late to put
on your dancing shoes! Choose to learn any form of dancing involving couples like salsa or ballroom, dancing or tango. This will not only help you shed your inhibitions but also connect with each other on a different physical and passionate level.
Ask your partner to teach you something that they are good at…cooking, painting, changing tires. This shows that you acknowledge their mastery over something and are willing to learn from them. You end up spending more time with each other and start appreciating their skills. Remember to be patient with each other or this exercise is futile! We have heard of whispering small nothings into each others ears. Now do small nothings. Read out favourite poetry or books aloud. Write letters. Gaze at the stars. Go for a stroll on the beach. Cuddle up and watch the rain.
Start paying attention to yourself – Don’t be lazy about your appearance. Your partner is important enough for you to shave before the movie date or put on your Sunday best. Small things make all the difference to keep that spark alive. Get out of your comfort zone. Stop making excuses of lack of time and energy. Find a solution to those excuses. Your partner and your marriage are worth that effort!
Candice Kennedy Intimate Secrets
To have questions answered please write to: intimatesecrets@intimatesecrets.net. Any questions sexually charged or graphic will be edited for tasteful publication or answered by email.
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What’s the Importance of Getting the Right Lighting Fixtures for Your Home? Brad Vanderheide, Carefree Kitchens & Lighting If you are building new or renovating your home, it’s very important to make sure you get the right lighting fixtures, for a number of different reasons. The average consumer will visit a specialty lighting store 2-3 times in their lifetime. According to says the most recent surveys, so it’s understandable that people aren’t aware of everything involved in making this area the best it can be. Choosing light fixtures can sometimes be a daunting task. As it’s one of the only items in your house that consists of the following: (1) They are in basically every area of your house; (2) They serve a duel process. Both being on display for home décor and an important function of providing the right type of lighting. So everything else in your house looks good. (3) You can get a lot more bang for your buck by spending a little more. As a little goes a long way with choosing your lighting fixtures. Let’s expand a bit more on these 3 items. Firstly they are all over your house, as opposed to a kitchen or bedroom suite. Lighting fixtures are placed throughout your entire home. This is why it’s important to talk to a professional. Ensure that everything matches with the look you want. Some people want to make sure all their light-
ing matches each other. Which is a good idea for the most part. Others are more concerned about the lights matching the particular room. What we typically recommend to people is starting with the dining room and front entry way lights. Usually the 2 main lights in your home and then start branching off from there. These will probably be the 2 most expensive lights. Once you know what you want there, the rest can be chosen with those in mind. Secondly, because lighting is both decorative and functional. You need to make sure both are considered when picking your lights for each room. If your décor is consistent throughout and you want to keep that theme, it’s important your lighting follows. With the right amount of light for each specific area. This alone is the main reason you want a professional to help you choose your lighting. It’s the hardest part of the process…sometimes it’s easy to find the right light for its looks but doesn’t give you the lighting you need. Sometimes it’s the right lighting but won’t match, or even fit in the room. Especially with the phase out of incandescent light bulbs moving quickly now, you really need to know what type of lighting you need. It won’t be long before you will
have to go with either
halogen,
which can be either low voltage or line voltage, CFL (compact fluorescent lamps) or LED (light emitting diodes). These are among the more popular alternatives right now. Even with incandescent bulbs, it’s important that you are getting the proper lumen output for each area, or you will find yourself needing extra floor and table lamps around. Lastly lighting is a great example that spending a little bit more on something will heed exponential results. Unlike some other items that seem to go from an entry level product, to needing to spend double, to get something nice. You don’t have to spend a lot more on your lights to really get a more unique look, whether you want an upgraded finish, size or style. Come in to Carefree Kitchens & Lighting today. Let our professionals help you get the right lights for whatever your budget to maximize these 3 key areas.
Financing for whatever moves you. From cars to trucks and motorcycles to RVs, let State Farm Finance Corporation® finance or refinance all your vehicles. Call me for more information on our competitive rates. Get to a better state™. Call me today.
Crystal Metz, Agent State Farm Representative 2-1335 Trans Canada Way SE Medicine Hat, AB T1B 1J1 Bus: 403-526-1345
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Some products and services may not be available in all service areas. State Farm Finance Corporation of Canada, Aurora, Ontario
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(adapted from a recipe by Chef Doreen Randal)
ICE FISHING In Southern Alberta Patrick Schile
Ice fishing can be great sport in Southern Alberta! There are several different species in the many reservoirs. For some people it’s a chance to fish in many areas of a lake that they normally can’t access. As they don’t own watercraft. It’s always good, if you haven’t fished a lake before, to down load a print of a depth chart map. These can be downloaded off the internet at the irrigation district sites. With this map you can see the structure outline of the lake and the depths. So you can target an area and depth of the lake for the species for which you are planning to catch. This will help increase your odds. Always remember the species of fish you are after, the depth, structure they like ,and where the food supply they need to survive may be located. For example, perch love the deeper water, with a mud to rock bottom, among the remnants of a weed bed. Never be scared to fish in deeper water than you do in the summer. The water is warmer at the deeper depth in winter. Keep in mind weather fronts can cause them to turn on when we get warm fronts from the southwest, and turn off when we get cold fronts from the north moving across the lake. On warm days try to use bigger baits, and faster action to get them to bite. On colder days use less action on smaller baits.
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My favourite perch bait is a small Len Thompson with a maggot tipped hook. For Pike, I love to use big herring or anchovies. I prefer anchovies as they are oilier, and put out a bigger scent in the water. If you are not having much success in one hole don’t be afraid to dig another. Move around try different depths and areas. That’s why on warmer days I love to drill a few holes.
Leave one still line, and move around and jig in the other ones. Only spend 15-20 minutes in each hole till you find a good spot. As the winter turns to spring, start getting closer to where they are going to spawn. Fish the areas just outside the bays and work your way in to those spawning areas. The nice thing about ice fishing is you don’t need expensive equipment to catch fish. The two most important things is a good ice auger, I prefer to drill a ten inch hole, and a couple of good rods as you can use two in the winter. Hooks for ice fishing vary depending on what you’re fishing for. For Trout I love jigs with power bait and for pike I use a double treble pike rig with herring or anchovies for bait. Walleye and perch are a little different. I use jigs with a scented tail or grub, minnows, worms and maggots. Obviously you will need a chair or stool of some kind to sit. If you have a dark house this will be great for colder days. To make a simple dark house I have even used a big box from a fridge or a stove to sit under it works great to see down the hole and helps keep you warm.
4
Walleye Fillets, cut into bite size chuncks
2 Tbsp.
Butter
1/2 Tsp.
Grated Lemon Rind
12
Walleye Cheeks
1 Tbsp.
Green Peppercorns
1 Tbsp.
Fresh Lemon Juice Salt & Freshly Ground Black Pepper
Directions 1. Heat the butter in a large frying pan over high heat until it begins to brown. 2. Add lemon rind, fish and cheeks. Brown quickly, stirring carefully. 3. Add the green peppercorns and lemon juice quickly, season with salt & pepper, then cover the pan and remove from heat. Let stand, covered, for 5 minutes. 4. Serve immediately. * This recipe originally called for scallops but I substituted walleye cheeks. ** If green peppercorns are freeze dried, soak in hot water for 5 mins. before adding to recipe.
So don’t be scared to hit the hard stuff when the weather turns to winter. For 6 months of the year go out on the lakes and have some fun. But always check the thickness of the ice especially when driving on it!
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A study of Trusts for a Surviving Spouse How can I maximize the after-tax income and the long-term value of my estate to my Spouse & children? Sue and George were married for 30 years when Sue died suddenly of a stroke. Under Sue’s Will, George became the sole owner of the family home and all investments. He was also the sole beneficiary of Sue’s life insurance. George was devastated by Sue’s death; however, within two years he falls in love and marries Nina, a widow with three children of her own. George takes early retirement and he and Nina intend to travel extensively to pursue their mutual interest in golf. George has not bothered to make a new Will despite being advised that his marriage revoked his old Will. George’s net worth is now over $1,000,000, plus he has a secure source of retirement income from his own group pension plan. Sue and George had two children who are now concerned that George may be too generous with Nina and her family at their expense. They fear he may dissipate his wealth, or fail to ensure that when he dies, they receive their fair share. In addition, before her death, Sue was providing financial support for her aging mother, whose health has now deteriorated. George never got along with his mother-in-law, and recently the children have been required to supplement the increasing cost of her care, as George is not willing to increase his level of financial contribution. All of this is causing considerable ill feeling among George, his children and Nina. In this example, Sue died first, but the problems could just as easily arise if George had died first and Sue remarried.
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George and Sue could have provided protection for other family members and preserved family harmony by placing all or a portion of each other’s inheritance in a trust. A trust could have also provided a level of protection from a family law claim by Nina. And if George dies without a Will, a trust could have ensured that Sue’s assets do not pass to Nina under the provincial formula for division of an estate where there is no Will. A number of tax and legal details must be addressed in the course of setting up trusts for a surviving spouse. It might be necessary to sever joint ownership of property or change the designated beneficiary of life insurance to fund the trusts. In this case, for tax reasons, Sue’s mother might have been provided for in a separate trust with George as an alternate or residual beneficiary. The family law rights of the surviving spouse also need to be considered, and these vary by province. A spousal trust for a surviving spouse also provides potential tax savings for the income on the inheritance. In our example, tax savings of $10,000 per annum or more could have been realized if the income from Sue’s life insurance and non-registered investments was channelled to George through a qualifying spousal trust created in her Will. The tax saving is possible because a trust created in a Will is entitled to its own graduated marginal tax rates, and even income paid to a beneficiary can be taxed in the trust at those lower rates.
Next Month: How can I maximize the long-term value of my estate to my children & causes I care about?
For more information, visit: www.bmo.com/nesbittburns Phone: 403-528-6771
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Why Us?
Eclectic Chicks Lev-Tov Zohar, Red Seal Chef
Gluten Free Nutella No Bake Cheese Cake Base 150g
Graham Crackers
50-60g
Butter, Shaved
Food process to a crumb, Press into ramekins bottom as a base. chill
Cheesecake 390g
Cream Cheese (Room Temp)
50g
Light Brown Sugar
90g
Nutella
40g
Chocolate Chips (Gluten Free)
Method: Food process the Cheesecake smooth. Reserve the chocolate chips. Add more Nutella, if desired. Add Chocolate Chips last and pulse them to size you want. Fill the ramekins. Refridgerate for six hours. Remove Twenty minutes prior to service so the cheesecakes are not too cold.
501A 4th Ave. SE Medicine Hat, AB
403-529-9092 Pg. 16
Enjoy
There’s a Story Behind Every Smile! Denise Ries, Dental Assistant Crestwood Dental Clinic Hi May name is Denise Ries. I am and have been a dental assistant with Crestwood Dental for the past 29 years. I am a Nait graduate and have pursued many continuing education courses over the years as it is important to me to keep up with ever evolving treatment for our patients.
Just a short drive away Convenient location Free parking Wheelchair accessible Competitive pricing Monthly payments to fit your budget
Direct bill to dental insurance
Sleep dreamily through dental procedure
Dental implants and restorative dentistry
24 hour emergency
Born and raised on a farm near Richmond Saskatchewan, I made my way to Medicine Hat. I have been married to my husband Pat for 39 years. Together we raised two wonderful children and now have 4 amazing grandchildren who we try to spend as much time with as possible. When we’re not with the grandchildren my husband and I enjoy travelling and have been blessed to visit many wonderful places around the world. In my spare time you will find me keeping myself fit. Some of my passions include boot camp, hiking, snowshoeing and especially running. Some of my accomplishments include hiking the West Coast Trail with my daughter and running two full marathons and several dozen half marathons. Last Summer I was privileged to travel to South Africa with Dr Barr, one of our Dentists here at Crestwood. This trip was a medical mission. There we were able to work in a hospital and do Dental treatment on many people who otherwise would not be able to receive this kind of treatment. It was a very humbling experience.
General Dentist
25 years of experience! $1900.00 single tooth implant plus crown and grafting.
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I take pride in all that I do at Crestwood Dental. My mission is to treat you in a warm and professional manner and provide you with the friendliest comfortable experience possible. In my time here I have seen families of 3 and 4 generations come in and you all feel like family to me, often greeting me with a smile or even a hug from time to time. At Crestwood we are all like second family to each other and that extends to our patients as well. Look for me around town, running the trails or out with my grandchildren but most of all I look forward to seeing you at our home here at Crestwood Dental Clinic. Pg. 17
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LAVAR PAYNE
MP, Medicine Hat, Alberta I hope everyone had a wonderful Christmas spending time with family and friends this holiday season. I want to wish all of you a very prosperous and Happy New Year. It’s hard to believe that 2013 has come and gone so quickly and it was a busy year indeed. It seems that wherever we turn, the media is telling us about another disaster in the world or government is not meeting our needs. I am pleased to have the opportunity to talk about some good news that affects our daily lives. Ten years ago when the Conservative Party was born, the principles that united us at that time remain the same. More jobs, lower taxes, and a stronger economy – that is what we promised, and that is what we have delivered. Critics said there was no way we could balance the budget by 2015. We are on track to have a balanced budget in 2015 and a projected surplus of $3.7 billion in 2015-2016. As I have said many times, our Conservative Government’s priority is the economy, job creation and long term prosperity. We have seen over 1 million net new jobs created in Canada since July 2009 as we went through the worst global recession since the 1930’s. It is interesting that almost 90% of these jobs are full-time and over 80% of them were created in the private sector. I am proud to say that Canada’s job growth is the best in all of the G-7 countries due to our Government’s Economic Action Plan. Do you know which country has the best economy in the G7? It’s Canada. Canada is the only country in the G-7 to have more than fully recovered business investment lost during the global recession. Canada is also the only country with the highest (AAA) credit rating from all major agencies. Under Stephen Harper’s leadership Canada has had the strongest job growth, Pg. 20
the lowest debt-to-GDP ratio, and the best economy in the G7. We’ve also been ranked the best place in the world to do business, and our banks are the soundest in the world. I believe this is due to our low-tax plan as we continue to create jobs and lower taxes, and with that we lead the G-7 in income growth. For continued success of our economy and job creation, our Government recognizes that we must open new markets world-wide for our Canadian products. That is why we are aggressively looking to open these markets with new free-trade agreements. Our recent new free-trade agreement with the European Union, the biggest trade agreement Canada has ever made, is a prime example of how we are creating opportunities for Canadian companies and products. This trade deal is expected to inject $12 billion per year into the Canadian economy with a projected creation of 80,000 new jobs for Canadians. As part of Canada’s Economic Action Plans we have managed to reduce taxes for hard-working Canadians over 160 times since 2006. The overall tax burden for individuals, families and business is the lowest level in 50 years. By reducing the GST to 5% we put nearly $1,000 annually back into the pockets of the average Canadian. The average family of four now pays nearly $3,400 less in taxes each year. With the creation of the Children’s Fitness and Children’s Arts tax credits, parents can now claim up to $500 for a child under 16 in each category. We have frozen Employment Insurance premiums for the next three years, which will save hard-working Canadians and employers $660 million in 2014 alone. Our military are important for the safety of Canada and a treasure of strength and experience in peacekeeping for other countries. We have supported our Canadian military with increased budgets since 2006 when we came into office. The defense budget has increased by 27% which is roughly $5 billion in annual funding. This is vital support after a decade of darkness under the previous government as they cut back funding to our Canadian Forces year after year. We’ve passed many bills to get tough on crime – including tougher penalties for
child predators, sex offenders, and other violent criminals. There is a reason why we are tough on crime. We believe that the rights of victims are more important than the rights of criminals – unlike our opponents. Our Immigration system is continuing to be improved as it becomes more efficient and effective. These continuous enhancements have enabled us to cut the backlog in half. The Conservative Government has reduced fraudulent asylum claims and deported over 100,000 illegal immigrants. Our plan is to generate other improvements to our immigration system in the coming year. We have made it more difficult for companies to manipulate the rules governing foreign workers and restrained business from replacing Canadian workers with foreign workers. We have been promoting Canadian values on the world stage and this is at the heart of our foreign policy. We stand up for Canadian values of democracy and the rule of law. We have defended the right of Israel to exist as a Jewish state and they are the lone country of freedom and democracy in the middle-east. As part of promoting our values we have established a new Office of Religious Freedom. Conservatives believe that it is no longer good enough for Canada to remain silent or “to go along to get along” on the world stage. Doing the right thing isn’t easy. This January, Prime Minister Harper will be visiting Israel to share Canadian values with other countries and governments. Being Prime Minister is not easy and neither is doing the right thing. It takes strong leadership and strong values.
www.edwardjones.com
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Member – Canadian Investor Protection Fund
Canada is in better shape than ever before. That is something all Canadians can be very proud of. It is not by accident – it has taken seven years of strong leadership and the courage to make the tough choices, the right choices, to get our economy on track. Our plan is working – but until Canada is as strong and as free as it can be, we cannot say our work is done. As always my priorities are for our constituents and all of the communities in this great riding of Medicine Hat. I am honoured and it is a privilege to serve the people of the Medicine Hat Constituency. You can contact me through the Medicine Hat, Brooks, Taber and Ottawa offices. Pg. 21
Scott Stenbeck, Local Divorce Litigation Lawyer
I think that one of the reasons that a divorce or separation can become acrimonious is the anger over unfulfilled expectations. We are taught to believe that a marriage has to last our entire lives, and if it doesn’t, the marriage has “failed”. I can remember seeing Dr. Phil a few years ago, and he was counselling some guests with anger problems. One of them had a real problem with road rage. Dr. Phil said that the reason that we get angry and frustrated is because of unmet expectations, and a cognitive therapist would start by asking the question “is the expectation reasonable?”. With the woman he was speaking to, he asked her if her expectation that everyone else on the road should intuitively know where she wanted to go and get out of her way was a reasonable expectation. Of course it wasn’t, and he told her that if she adjusted her expectation to be more realistic, she wouldn’t be as angry behind the wheel. I think the same applies to relationships. In no other relationship in human endeavor do we heap as many expectations and demands as we do with marriage. For example, let’s say I decide to become a partner with another lawyer, and we set up shop together. Suppose we practice together for ten years. Both of us make a good living, save money, and grow in our practices and abilities. Then, after a decade, the other lawyer sits down with me and says “Scott, it’s been a slice, and it’s been great working with you, but I think I am going to retire now. Let’s split the furniture, or you buy my half if you like, and figure out how to split the receivables. I wish you the best of luck going forward.” Now, would it be reasonable of me to be angry? Was our business venture or partnership a failure? Sure, if it had gone on longer until we both decided to retire, that would probably be great. But we are both better off for the past ten years together than each of us would have been alone had we not partnered together. We each made a good living, we are better off in our practices, we got to split the overhead and costs of running an office for all those years. The relationship filled both our needs and gave us each a benefit while it lasted, but now it’s
over and we each move on. Similarly, how many high school friends do we all have that we don’t talk to anymore? I remember one of my best friends from school that I haven’t talked to in a decade because we went different ways. Should I be angry at him and declare that friendship a “failure” because it didn’t last forever? No, that friendship was what we both needed for that point we were at during that time in our lives. When we grew different ways, it no longer benefitted us and we let it go. We are both better off today for the friendship, even though it didn’t last. I do divorce and family law at every end of the spectrum. I do handle very high-conflict cases where there are disputes over custody, support, property and so forth, where there has been abuse, neglect, even abduction and death threats. I understand when those things are present that obviously there is going to be anger and resentment towards the other party, often justifiably. However, the majority of the divorces I handle are not one of the above situations. They are typically situations where two reasonable people have been married or cohabitating for several years or more, they have some children, some property they have accumulated, and one or both just don’t want to be together anymore. They have tried to find what they originally had, and for whatever reason, it’s just gone, usually because they just grew apart without ever meaning to. Neither has hurt or abused the other or done anything improper, but the anger or frustration of the relationship “failing” does threaten to grow to hurt their chances of reaching a reasonable settlement and spending their money on their children and their own futures, rather than on lawyers. I propose an adjustment in expectations. The people in my above example are judging their relationship by the supposed gold standard of a marriage that lasts for 70 years, and they both pass away quietly in their sleep still in love. That’s a great and beautiful situation when it happens, but it’s not reality for most people. I propose instead that they judge the “success” or “failure” of their relationship by whether they
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are better off than they would have been had they never been together. A lot of people want children. Chances are that by being together, each of them was able to have children, and they have a stable and caring relationship with them. Also, in terms of children, they may have been able to work cooperatively in terms of child care so both could have children but also pursue other things, which is much more difficult to do when there is just one adult with children. They were able to live in the same home for years, which creates an economy of scale because it is less expensive than each of them living separately, and the financial savings likely were passed on to a combination of investment in their children, building equity, and having some positive experiences. There were probably a lot of good times, like family holidays, trips, and so forth that created happy memories that they would not have had otherwise if they had remained alone. A lot of times, there is also some equity to split so neither has to continue on empty handed. In summary, with that kind of situation, they are both better off having had the relationship than had it never happened at all. To me, that means that relationship was a success. We all hope it’s going to be “until death do us part” when those words are spoken. This article will come out shortly after the Christmas season, which is when, in my experience, most separations occur, or shortly afterwards. I think that a lot of people that are in that boat would do well to read this, and then copy it to their ex, along with a suggestion that maybe, as tensions and acrimony are building, that they are looking at their relationship the wrong way. Most of the people that I work for, if we were to consider their relationship based on the standard I suggest, actually had a successful marriage or cohabitation, in the same way as in my examples a successful partnership or friendship don’t suddenly become “failures” because of the mere fact that someday they end.
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Do we really even need a Wedding Registry? It’s the question many couples ask, and one you might have too. First, you might not want or need anything found on a traditional registry. Over 70% of couples live together before getting married and simply don’t need another toaster. Sound familiar? Second, you may feel awkward about asking friends and family for gifts. It’s natural to feel this way, but when you take a deeper look, a wedding registry is a way to keep you and your guests happy. Third, you might be fed up with the entire wedding registry process. Hours spent in department stores, arguments over china patterns, and unsolicited advice from guests, retail clerks and your motherin-law do not create a happy experience. Especially for couples who don’t even need anything found on a traditional registry! There are some great alternative wedding registries where you can get what you really want, but forgoing the wedding registry altogether will cause more problems than it solves. A wedding registry makes it easy on your guests. It’s a celebration, and guests are going to get you a gift whether you ask for it or not. And they don’t like roaming through department stores any more than you do! Guests want to make you happy, and they can only do that if they know what you want. A wedding registry makes it easy on you. So what happens when guests buy you gifts that you didn’t ask for in the first place? You end up with a whole bunch of stuff you don’t want! You’ll face hours making returns and exchanges, and you’ll inevitably end up with junk that you just don’t know what do with. A wedding registry is the once in a lifetime chance a couple has to ask for, and receive, all the items they would ever want for their home. You can register for china and crystal, appliances and entertainment equipment (yes, this includes the 60” flat screen TV the groom’s been eyeing) as well as furniture.
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Leslie Cochran, Loft 3 Design Company
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MLS# MH0022253 When selecting things for your registry make sure you vary the prices of items you select. Have a good mix of less expensive items (less than $75), medium price items ($75 - $200) as well as larger price items (greater than $200). For the larger ticket items don’t feel as though you are being greedy, as people will give group gifts. Try to mix up the type of items on your registry too; some people might not feel comfortable buying certain gifts for the bedroom and always add “pretty” things to your registry, as grandmothers always like to buy pretty things. It is okay to put more items on your wedding registry than you than you think you will receive, because many places will offer a discount on your items not purchased for you for up to one year after your wedding date. This can add up to a lot of savings. Make sure that you have registered before you send out the wedding invitations. It is something that you should include in your invitations so your guests don’t have to figure that out on their own. If you decide not to include your registry details, make sure you let your parents and wedding party know where you are registered to start spreading the word to all your guests. Or, if you have a wedding website, including where you are registered on the site is a smart. Stop by or call Leslie at Loft 3 Design Company. She will help you choose everything you want and need for your new lives together. She will provide you with cards to include in your invitations and even wrap your guests’ gifts!
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Jackson Woodruff Financial Advisor
Estate Considerations for RRSP, RRIF and TFSA Holders
One of the best gifts you can leave your spouse and family is an orderly and well thought-out estate plan. For many Canadians, their Registered Retirement Savings Plan (RRSP), Registered Retirement Income Fund (RRIF) and Tax-Free Savings Account (TFSA) can represent a major portion of their estate. Many may not be aware of the proper way to incorporate these saving vehicles into their estate plan.
What Happens to Your RRSP or RRIF? If you don’t have a “qualified” beneficiary named, then the value of your plan immediately before your death is included as income in your terminal tax return.
A “qualified” beneficiary named in your will or RRSP/RRIF plan contract, such as your spouse or common-law partner, can receive the funds and then choose to transfer them tax-deferred to their own RRSP or RRIF.
BABY KRISTEN THANKS YOU FROM THE BOTTOM OF HER VENTRICULAR SEPTAL DEFECT.
Potential Risks and Opportunities Assigning a non-qualified person as beneficiary, such as a healthy, nondependent child or other relative, may have unintended consequences. It may harm the other estate heirs because an RRSP/RRIF passes over at gross value while taxes owed on it are paid out of the estate. For example, giving an adult child your RRSP and another adult child your equivalently valued non-registered investments may result in the latter
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receiving less after taxes are settled. Problems also arise when all your children are named as equal beneficiaries, but one predeceases you. His or her own family may be left out from any distribution if the plan document is not specific enough.
What Happens to Your TFSA?
Interestingly, earnings in your TFSA continue to hold a tax-exempt status upon your death. After that date, though, any additional earnings in that year are taxable so it is important to consider how and when TFSA funds should be distributed. As with RRSPs and RRIFs, a surviving spouse or common-law partner has special status in most provinces and can be named in a will or contract as “successor holder” of your TFSA. This makes it possible to transfer all your TFSA funds without affecting the successor’s contribution room.
Potential Risks and Opportunities
Not declaring your spouse as the successor holder and naming him or her only as a beneficiary can be a risk. As a mere beneficiary, a spouse can still receive the money tax-free under a special “exempt contribution” rule, but his or her contribution will be limited to the value of the deceased’s TFSA at the time of death. Any excess value will be taxed as income that year. While this would likely not result in a large tax bill today, as TFSAs continue to grow, this
could have a significant impact in the future. Whether it’s an RRSP, RRIF or TFSA, perhaps the most common unintended error is not updating or reviewing named beneficiaries. After a divorce or end of a relationship, for example, it’s not uncommon for a former spouse or partner to still be named as a beneficiary. Changes in blended families or other relations can also cause complications. As the annual contribution deadline for registered savings plans approaches, now is a great time to meet with your financial advisor to review potential tax or investment opportunities as well as your goals and financial strategy. Edward Jones, its employees and Edward Jones advisors cannot provide tax or legal advice. Please consult your lawyer or qualified tax advisor regarding your situation. 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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FEBRUARY IS HEART MONTH. PLEASE GIVE GENEROUSLY WHEN YOUR NEIGHBOUR KNOCKS ON YOUR DOOR.
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When I was a little girl of about 5 years old, I wanted a horse. And not a toy horse mind you, a real horse. I wanted a majestic black steed with long legs, a bold chest, a wild spirit, fire in his eyes and a flowing mane. If I close my eyes, I can still picture him today. Sigh, he is a regal beast! So, I asked my parents if we could get one, and they instantly said ‘no’! I was crushed. Devastated may be a better word, actually. I cried and cried. Why wouldn’t my parents let me have a horse? Why were they so mean? I just couldn’t understand it! We had a huge back yard (P.S. dear reader, we lived in town, and not on a farm.) There was plenty of room for a horse to run in my opinion, and it could eat grass from our backyard, we wouldn’t even have to buy it food! I just had no idea why my parents were just so uncaring regarding my hopes and dreams! So, I did what every child does who wants something and doesn’t get appropriate attention. I threw a tantrum, which instantly landed me grounding. Since THAT didn’t work and I was only a helpless child, I just came to terms with my horrible fate.I would instead draw horses and read my Black Beauty books over and over again to help heal my broken heart. (Pause for reader to wipe away their tears due to my sad childhood story) Fast forward two years. We moved away from the town where my beautiful horse should have been my best friend and lifelong pet. We settled in another small town of Allan, Saskatchewan. I liked it, it was alright. I spent my days going to school, playing football with my brother, playing barbies, riding my bike, and going to the park with my new friends. Not atypical stuff, for a seven year old girl. Then one day my life changed forever. We were sitting at the dinner table having our family supper, as we always every night (oh, how times have changed!) My mom asked if I wanted to enroll in gymnastics. I had no idea what on earth she was even talking about, so I just immediately said “no.”Then my mom said, and I quote, “But they have a hooooorrrrse!” OMG OMG OMG! I was so excited!! Finally I’d get to have horse! Now just to clarify, a horse and the vault are interchangeable terms in gymnastics. But I didn’t know being seven years of age that my mom had tricked me! And boy, I am glad she did! I fell head over heels in love with the sport, and eventually started competing. My strongest event was the floor, but I was also very good on the balance beam. Ironically, the vault (or horse if you will) was not my best apparatus. I won a bronze medal on the uneven bars in a division of the Olympics in Winnipeg, which qualified me to move on BUT Kelly Bly also won a bronze medal on bars. In the event of a tie, overall scores are tallied and alas, she beat me by one point. She moved on and I did not. I’ll save all the emotions and details of how I feel about Kelly Bly for my next childhood heartbreaking story.
I competed and practiced gymnastics everyday while in Allan, until the time came for our family to move again. My dad was in banking. So we moved every two years until they put a freeze on moving their managers. We settled in Melfort, Saskatchewan in 1981. I still call Melfort my home town, even though I have lived in Medicine Hat for much longer. Once I stopped competing in gymnastics due to lack of programs in my new town, I obtained my coaching certificate. I began teaching gymnastics at age fourteen. I have been teaching fitness ever since. I don’t think anyone could have predicted that the little girl, who mourned over a horse of her very own, would have that pivotal event lead her to owning a fitness studio; and teaching health and fitness for a living. Myself included. After all these years, I am still very passionate about fitness and clean eating. I am so happy that I get to do what I love for a living! I have helped thousands of people reach their fitness goals, look better, feel better, and live a better quality of life. I am excited to spill my brain monthly to you dear reader, with everything I have learned and experienced in the fitness industry in the past 30 years of my career. With the hope of giving you inspiration to move more, and eat even better food! Please look for my monthly article in Spotlight Magazine that will share fitness information, nutrition, recipes; and maybe even more childhood stories!
Marla Howard
Owner/Operator Heartbreaker Dance and Fitness Certified in the following areas : AFLCA Group Leadership Designate Agatsu Kettle bell Kickboxing Level 1 Zumba Sports Nutrition Maureen Rae Yoga
Questions regarding health, fitness, and nutrition? Or, If you want to know the real deal on how I feel about Kelly Bly? Drop me a line anytime! Email: heartbreaker@telus.net Call or text : 403-952-6191 Follow me on Twitter: heartbreakermh Pg. 29
TEAM Insurance & Financial Services
DREW BARNES MLA
ENERGY INDUSTRY
Cypress - Medicine Hat
WILDROSE GEARS UP FOR ACTION PACKED 2014 word on the Northern Gateway and Keystone XL pipeline projects. These projects are critical to Alberta’s long-term economic success and Wildrose will continue to advocate for them in 2014.
First off, 2013 was an important year for Wildrose. I believe that we truly demonstrated that we are Alberta’s government in waiting. In 2012, we showed that we are a capable and diligent opposition party. But in 2013, we showed we are not just an opposition, we are the clear alternative to the PC government.
Unfortunately, we anticipate another deficit budget and more debt in 2014. The government appears to be full speed ahead on its plans to saddle taxpayers with $17 billion debt by 2016. Last week, the Canadian Taxpayers Federation pegged the current debt at $7.7 billion. Disappointingly, this is exactly the opposite of what Premier Alison Redford and her government promised in the last election.
And in 2014, Wildrose will continue bringing a positive vision for Alberta’s future. At our annual general meeting this fall, Wildrose eliminated some of our contentious policies that no longer reflected the will of Albertans, and responded with several new common-sense and forward-thinking grassroots policies. This all means that Wildrose is ready for action in 2014. In contrast, this past year showed more than ever that the PC government is out of touch and no longer cares about challenges that everyday Albertans face. It doesn’t really care about the seniors who built this province who now need long-term care beds. It has shown it would cut front line staff and services before bloated bureaucracies when looking for savings. And in the aftermath of the 2013 floods, the government’s first priority was putting up signs with the Premier’s name on them, not helping families devastated by the disaster. From the deep and painful cuts to Persons with Developmental Disabilities, to the heartless closure of the Michener Centre in Red Deer, to trying to cover up and downplay the deaths of hundreds of children in government care, the PC government showed a carelessness that we have not seen before. This year is shaping up to be just as eventful if not more so at the Alberta Legislature.
In fact, in 2011 the Premier said “Debt has proven the death of countless dreams,” and stated that “Debt is the trap that has caught so many struggling governments.” And now the Premier has led Canada’s most prosperous province right into that trap. While the government is more interested in trying to mask its financial problems by playing with the numbers, we know for a fact that Albertans are accumulating $11 million in debt every day. That’s $129.25 every second.
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The holidays are over and another new year is upon us. It’s a time to reflect on the year that was, and look ahead to the challenges of the year ahead.
With numbers this staggering, it’s no wonder so many Albertans have lost faith in this government. Instead, it’s time to think of new solutions and bold ideas to get Alberta back on the right path. In 2014, Albertans can count on Wildrose MLAs continuing to stand up for their interests each and every day in the Legislature and in their constituencies. Albertans can count on me and my Wildrose colleagues to stand up for responsible spending, front-line services and the protection of the most vulnerable. As your MLA, I care about the issues that concern you and your family. Please contact my office at 403-528-2191, find me on Facebook, or follow me on Twitter @DrewBarnesMLA.
Answer to Crossword
It will be an important year for Alberta’s energy sector, as we await
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CROSSWORD
PUZZLE
Crossword puzzles provided by BestCrosswords.com (http://www.bestcrosswords.com). Used with permission.
Across
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51- Cockpit abbr.
5- Remuneration
52- Hard water
8- Invitation request
54- Old age
12- ___ dancing is
61- Rocket launcher
popular with cowboys!
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Times”
15- Watchful one
64- ___ Three Lives
16- Antitoxins
65- Faucet problem
17- Garlic sauce; 18-
66- Former Houston
French friend
footballer
19- Indulge to excess
67- Interpret
22- Thickness
68- Estimator’s phrase
23- Time to remember
69- Male sheep who may
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70- Hard to hold
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Down
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56- First name in scat
32- Spat
1- As well as
14- 18th letter of the
33- Business card abbr.
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2- Capital of the Ukraine
Greek alphabet
35- Penlight battery
57- Skelton’s Kadiddle-
36- Coil
3- About, in memos
20- Eye part
37- Like some fir trees
38- Role for Clark
4- Approached
21- Chow
39- Entertainment build-
40- Flaky mineral
5- Discharged a debt
25- Former name of
ing
41- Chilly
6- Baseball family name
Thailand
42- Meets one’s maker;
43- Nobelist Root
7- Shout
26- Graven images
44- Wrinkly fruit
45- Lady of Sp.
8- “Michael Collins” actor
27- Regeneration of
47- Alamogordo’s county;
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9- Composer who writes
tissue
49- Clothes
48- Invalidate
symphonies
28- Alternate
52- ___-European
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