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Before you marry - talk about money on Page 7 in Dollars & Sense
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Held monthly on the last Sunday of each month 2-4pm at St. Mark’s Church, 50 Dexter Drive, West Saint John
Education and support services for those living with dementia, their loved ones and caregivers. Health care professionals are on-hand to answer questions and offer advice with volunteers providing information, entertainment and activities. For more information contact Ed Sullivan at 672-5286 sulli@nb.sympatico.ca
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Published Bi-Weekly Next Issue: December 8th Deadline: December 1st For your convenience you can drop off ads and editorial for Ossekeag Publishing at: WEST BRANCH LIBRARY 621 Fairville Blvd. 10:00am - 5:00pm Tues/Fri/Sat 10:00am - 8:30pm Wed/Thurs Closed Sun/Mon/Holidays
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I was working on the computer a few days back and I was reminded by the radio that the swearing in ceremony was being held for the new Liberal cabinet. Now to be up front I did not vote Liberal, but I was interested what the new cabinet would look like. So I found the online stream for the event and started watching. Wow, old white guys in a minority. Bunches of women, immigrants, disabled, indigenous people, visible minorities, and some old white guys. I was first flabbergasted and then just as proud as punch to finally see a cabinet that really represented my country. I know!! What about qualifications?? A long time ago I too felt you had to be an old white guy with degrees and money out the ying-yang in order to properly represent me. But, then I got smart and asked the very good question “How can they represent me, when we are not even close to being alike.” The fact is they were really good at representing old white guys and that is likely why we have thousands of our indigenous people living in third world conditions. Who can best represent 50%+ of our population, an old white guy with six degrees or a woman. Doesn’t matter whether she has six degrees or grade six, she is far better qualified to represent over half of the population. As a general rule, I just love women and would prefer to hang out with a bunch of women than guys, especially if the guys tend to have any macho traits. But, I would never pretend that I really understand women and perhaps that’s part of the attraction. So while I admire and think women are the best people on earth, I could never imagine actually trying to represent them. If appointed as minister of women affairs, I would quickly appoint a woman to tell me what to do. Don’t get me wrong, I certainly believe that some of these people are going to screw up. But then again, so do old white guys. We could start with Mike Duffy and go on for hours. So if there are failures along the way,
let’s not revert back to the old ways. Many of this cabinet are newcomers and not going to be politically smart, so it is important that they be given a reasonable opportunity to do their jobs. And if they do not succeed, let’s find another woman, minority or whatever and give them a chance. Heck, even old white guys deserve a chance to prove that they can do a job. 0001
Mike Hickey Tech Support, Ossekeag Publishing
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DOLLARS & SENSE BEFORE YOU MARRY Before you marry – talk about Money – it just makes sense! When talking to marriage counsellors about the effects of finances in a marriage, what they have said is if finances are not the identified number one reason why people break up, it is in the top three. Finances are such an integral part of a relationship, it affects your future plans and your day to day. We see the stress it causes in our offices every day. Arguments can start with, “well I didn’t know you/we owed that! We owe how much? Well I didn’t know we spent that! What happened to all our money?” All these statements can be hurtful in any relationship, and the root varies as to why they are made. Sometimes the person tasked with managing the money in the relationship is not good at it or needs help, sometimes there are things that are hidden because of embarrassment
or because they know it will cause an argument. Financial disagreements can and will happen throughout a relationship, but it does hold true that the more you know prior, the easier you can get through it. The best words of advice you can receive about a relationship is to talk about money from the beginning. The conversation should grow with the relationship. As time goes on it won’t be so much a question and answer, but a natural discussion day to day. If you plan to marry, you need to be comfortable discussing student loans, consumer debt and how you will have a household budget. Not knowing the state of each other’s finances will impact your goals. Applying for your first mortgage together is not the time to find out that your partner is carrying a high amount of student loans or that
they have a poor credit rating. There are many discussions and financial decisions to be made upon marriage. Will you have a joint account? How many credit cards will be used in the household? How will you decide on large purchases? Talk to your friends and family, how do they navigate the financial discussion? What tips can they give you for you to get started? In the end the conversation is essential to have before you marry so that you are prepared for what lays ahead when you are married. 0005
Tamara Kelly Director of Education Credit Counselling Services of Atlantic Canada
November 24th - December 7th, 2015
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AROUND & ABOUT EXTENDING THE CYCLING SEASON Riding in the rain recently, my hands numb, I realized that once again, cycling season is coming to an end. It’s always a sad time for me, as that is my prime form of exercise in the warmer months. I enjoy seeing many parts of the city from the seat of my cycle, though I have to admit I did not see as much this season as most of those in the past. I know I can do better than I did this year, and as of recently I have something to shoot for come the spring of 2016. While conducting a van tour for four 70 year old residents of the United States, one of the gents showed me a photo of his $13,000 bicycle. That was impressive, but I have no desire to purchase such a machine. What I do want to emulate, though, is the distance he travelled on his bike… some 4300 miles since April. The most I have ever done is 2500 kilometers in a year. So, this chap has challenged me to improve, if he can do it, so can I.
However, the cycling season still ends in November. While on that cold handed ride, a memory of trying to push the season when I was a teenager came back to me. I loved to ride my bike from St. James Street to Duke Street in Saint John West, from home to New Albert School. As the season got colder I decided I’d outfit my bike with a heater. I used the bike daily to carry my Evening Times Globe papers to the 100 customers on my Route W-309, so I had a big steel parcel carrier on the front of the bike. I got a square tin, about 8”x8”, bored holes in it for ventilation, then filled it with small chips of kindling, set it in the parcel carrier, and then lit the wood afire, and took off for school. I went up through Queen Square, intending to travel along Lancaster Street as that was the flattest route to school. Through the square I noted the little fire was getting larger, but it was still confined to the tin. But when I hit the first incline on
Lancaster Avenue, I noted the flames had really started to grow. I passed Charlotte Street, and the flames died down as I was going up a slight incline. Then, at the top of Rodney Street, I hit the next incline… a steep one. I was really moving by the time I was halfway down the hill. The flames were moving, too, right out of the tin and almost scorching my coat. Well, that morning, I had to put up with a lot of teasing and a lot of questions about why I smelled like a snuffed out fire. You can be sure that was my one and only attempt to extend the biking season by adding a homemade heater to my bike. 0004
David Goss Local Historian & West Sider
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November 24th - December 7th, 2015
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LEGIONS LANCASTER RCL #69 Wilson Street, Saint John, Phone 6358095, www.rcl69.ca. Sunday, December 6 - 1:00pm, Doubles Crib Tournament in the Lounge; 7:00pm, Dance with Steve & Carol in Upper Hall. Sunday, December 13 - 7:00pm, Dance with WCR in Upper Hall. Sunday, December 20 - 7:00pm, Dance with Steve & Carol in Upper Hall. Tuesday, December 1, 8, 15, 22, 29 7:30pm, Doubles Crib in Upper Hall. Thursday, December 24 - 1:00pm, Christmas with Delbert dance in the Lounge. Thursday, December 31 - 9:00pm, New Year’s Eve Dance with Hooked on Country in the Upper Hall. Friday, December 4, 11, 18, - Open Mic Night with Don LeBlanc & Friends in PUB 69. Friday, January 1 - 2:00pm, New Year’s Levee dance with Delbert in the Upper Hall.
Saturday, December 5 & 19- 3:30pm, Jed & Moe Show in PUB 69. Saturday, December 12 - 2:00pm, dance with Donny & Delbert in PUB 69. Saturday, December 19 - 9:00pm, Branch #69 & Singles dance with Party Line in PUB 69 December 25 & 26 - closed. 0015
SJ & AREA SCHOOL STRING PROGRAM The SJ & Area School String Program (previously District 8) is starting a beginning violin class in January 2016. The Program operates within the Anglophone South School District and is open to any student in Anglophone South. Normal starting age is grade 3,
Gala Ballet Productions Inc. Presents 2015 Season
Friday, Dec. 11th at 7:00PM Saturday, Dec. 12th at 2:00PM
at the Imperial Theatre
Guest artists Yosuke Mino and Alanna McAdie from Canada’s Royal Winnipeg Ballet and Louis-Philippe Dionne from Atlantic Ballet Theatre Company. RWB Company Dancers Alanna McAdie and Yosuke Mino Photo courtesy of Canada’s Royal Winnipeg Ballet
For tickets call (506) 674-4100 or www.imperialtheatre.nb.ca
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but older students may also join. The lessons will be held once a week at Havelock School (SJ W). Parents are responsible for transportation and to provide an instrument. A number of instrument rental options are available and will be explained. A small annual student registration fee of $30 covers music books and other supplies. All parents who are interested in having their child join are asked to attend one of the information meetings listed below: Meeting #1: Tuesday, December 1 at 7:00pm, Havelock Elementary School (500 Young Street, SJ West) or Meeting #2: Thursday, December 10 at 7:00pm, HES. Please bring your child to the meeting, if possible, to be measured for the correct instrument size. If you have a violin already, we would be happy to check it's size and condition at the meeting. Please note that if school is cancelled due to winter weather for either of the dates, that meeting will be rescheduled to Friday, December 11 at 7:00pm at HES.) If you cannot attend either of the meetings contact: alison.leonard@ nbed.nb.ca for info. 3784
LISTEN IN STEPHANIE MAINVILLE COMES HOME Stephanie Mainville has been a mainstay of our greater maritime musical community for many years, racking up a steady stream of accolades which span the musical genres of folk, Celtic, pop, and gospel all while remaining an artist and human being of the highest moral order. Mainville has carved out her own niche, a journey that seems to pave a brighter future with each passing
year. The Kingston (NB) native and her family have recently uprooted to make a new home base for themselves in Halifax. I had the opportunity to talk to Stephanie a few days ago about life’s new chapter and her full band (6 piece) concert coming up in Kingston on December 6. “I had an amazing trip to (Munich) Germany. It was a first for me. Kind of a
SCHOOL SUSTAINABILITY REVIEW & SCHEDULE OF PUBLIC CONSULTATIONS The Anglophone South District Education Council (DEC) is hosting Public Consultations as per Provincial Policy 409 Multi-Year School Infrastructure Planning to study the sustainability of Morna Heights School, Grand Bay Primary and Inglewood School. Under Policy 409, the DEC will hold two public information sessions at each school. The Grand Bay Primary and Inglewood School meetings will be combined. The initial meeting for Morna Heights was held on November 9th and for Grand Bay Primary and Inglewood School on November 16th at River Valley Middle School. The meetings were to deliver the proposal to the public and to allow the DEC and staff to explain the process involved in a Policy 409 review and be available to answer questions about the process. The second meetings will allow the public an opportunity to make a presentation to the DEC. This can include feedback, questions or other options for the school. The second meeting at Morna Heights School is scheduled for Monday, December 7th at 6:30 pm at Morna Heights School. The second combined meeting for Grand Bay Primary and Inglewood School is scheduled for Tuesday, December 8th at 6:30 pm at River Valley Middle School. Everyone is welcome to attend, and encouraged to do so. If you wish to make a presentation at the second meeting at Morna Heights School or at the Grand Bay Primary/Inglewood meeting at River Valley Middle School, please contact Clare Murphy at clare.murphy@gnb.ca or call 658-5325 to register your name. Throughout this process, written feedback can be submitted via email to: asds.schoolreview@gnb.ca or you may send a letter to the attention of Robert Fowler, Chair, District Education Council, 490 Woodward Avenue, Saint John, NB E2K 5N3. The third and final meeting will be a District Education Council session scheduled for Wednesday, January 13, 2016 at 7:00 pm at the Saint John Education Centre, 490 Woodward Avenue when a final decision will be made on the sustainability of Morna Heights School, Grand Bay Primary and Inglewood School.
national group that I was travelling with; through the same folks who invited me to Israel last year. It was amazing!’ Stephanie tells me about her very busy current worship tour dates. I have to add this is all while her feet have barely touched down in Halifax and all the glamour (not!) that moving entails. “There were about 5700 hundred people there (Stadium in Munich) and 140,000 streaming (on-line) from 100 nations during the gathering in Germany. Truly extraordinary!” “There are more people believing for hope for this crazy world of ours than those who despair over it.” Stephanie says compellingly. “It’s incredible, the whole live streaming thing. It’s kinda’ blowing me away how when people are interested in something and can’t go to it (event), they can catch via the web. What an amazing world we are in!” Stephanie says about the powers of streaming and creating an intimate global community in events such as this. Good News! Stephanie and her band will be doing a fundraiser concert for the Trinity Anglican Church on the Kingston Peninsula on December 6 at 3:00pm. Tickets are $15 and the church is an ideal and unique venue to experience such a special and reverent musical experience. Stephanie tells she will be performing Christmas music (of course) as well as some of her own material. It’s always special to have her home so don’t miss this opportunity to see her with her amazing band! Tickets are available at the Church office and at the door the day of the show. If you’re on Facebook go to the event page here for further info - facebook.com/ events/1652729571668855. Stephanie also has some other dates in December while she is home including at the Rivercross Church in the North end as support for a Christmas Cantata and performing at the CBC Christmas show at the Saint John City Market on December 11. For further info go to: stephaniemainville. com. 0041
Jeff Liberty Columnist, @Jlibertyartists November 24th - December 7th, 2015
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DIRECTOR’S NOTES 10 THINGS YOU MAY NOT KNOW ABOUT IMPERIAL THEATRE #10 - Imperial Theatre’s first manager, Walter Golding, was responsible for convincing the Keith-Albee chain to build it in 1913 and stayed with the theatre until his death in 1945. He actually lived in an apartment at the Imperial with his wife and four children. #9 - Loyalist City Paranormal did an overnight investigation at the theatre, revealing various ghostly activities. You can see the documentary on YouTube. #8 - A building audit last year revealed major issues with our front façade. If you look up, you can see that there is safety netting over the top floor to prevent brick spalls falling. #7 – Over the next year, Imperial is undertaking a restoration of the façade, anticipated to cost about three million dollars. #6 - Imperial Theatre is a completely independent charitable organization, not owned by the city. We have no ongoing
funding for capital needs so we are solely responsible for taking care of this this 102 year old building. #5 - About 30% of operational funding for the theatre comes from the Greater SJ Regional Facilities Commission and the Department of Canadian Heritage. The remainder comes from ticket sales, rentals and fundraising. #4 - This year is season 22 since the theatre's grand re-opening. Every year we present about 35 live shows, featuring the finest artists in music, dance, theatre and variety from Canada and around the world. #3 – In the last few years we’ve also started showing documentary and retro films. On November 2 Imperial Theatre screened the Academy Award winning documentary "20 Feet from Stardom". It's the amazing story of some of the singers who created rock and roll, featuring Darlene Love.
#2 - Darlene Love performed "It's Christmas Baby Please Come Home" annually on the David Letterman Show for 23 Years! In case you were wondering why I made a top ten list, now you understand. #1 - Darlene Love is bringing her "Love for Christmas" show to Atlantic Canada for two shows only, one of them at the Imperial Theatre on November 25. This woman is a force of nature and a Rock and 0030 Roll Hall of Fame inductee.
Lee Bolton
Executive Director, Imperial Theatre
LIBRARY NEWS WEST BRANCH LIBRARY Lancaster Mall, 621 Fairville Blvd, 6437260 Fall/winter hours: - Tuesday, Friday & Saturday 10:00am-5:00pm, Wednesday & Thursday 10:00am-8:30pm; Sunday, Monday & holidays - closed. Babies in the Library - sign in for next session. Time for Tots - Drop-in for children aged 18-36 months Thursdays at 10:30am. Story Time - Drop-in for all ages consisting of stories, songs, fingerplays and a craft, Fridays at 10:30am. Thursday Night Homework Help for Elementary/Middle school students, Thursdays 5:30-7:30pm. Pre-register at 643-7260 or westbranch.publiclibrary@ gnb.ca. Friday, November 27 - 11:30am, PD Day movie fun viewing Monster’s University. Saturday, November 28 - Super Saturday and Lancaster Mall Ornament
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workshop. Tuesday, December 1 & 8 - 10:3011:30am, Infant Massage for babies 0-8 months who are not yet crawling. 6437260 to register. Thursday, November 26 - 1:00pm, Library Social for seniors, newcomers and adults, all welcome. Friday, November 27 - 2:00pm, Friday Flick. Free Movie and popcorn courtesy of Lancaster Mall. Saturday, December 5 - Super Saturday and Lancaster Mall Ornament workshop (2:30pm at the Mall Star). Wednesday, December 9 - 6:30pm, Interview Skills Workshop - marketing you to show your best fit. Call the Library to pre-register. Thursday, December 10 - 12:00noon3:00pm, Christmas Open House; 1:00pm, Change your plate - change the world info session to promote a healthy and meaningful lifestyle. Call the library to pre-register. Knits for Kids - Our tree is up, help
us fill it. We have donated yarn for any knitters who would like to keep little hands warm this winter. Items are donated to Hestia House and Romero House just in time for Christmas. SPCA Fundraiser - Let’s raise money this Christmas for our furry friends. Check out the SPCA wish list at the library. Knit 2 Together (k2tog): Tuesday afternoons drop-in. We have knitted squares, tea and treats; if you have the time drop in and put two or more together to make a blanket. Gates Computer Lab: Available to check your e-mail, do research and use the internet. The service is free. Book a tutorial and learn basic computer skills. Free Wi-Fi. Bulletin Board: Check out what is happening in your community. Community Room Rental: West Branch Library has a spacious room offering tables, chairs and limited kitchen facilities. 0019
NB SCOUTS RECOGNITION CEREMONY
Following the ceremony, guests were invited to a light reception hosted by Her and His Honour at Government House. Brenda Graham, Wabanaki Area Awards & Recognition. 3778
The New Brunswick Council Awards ST. MARK’S CITRUS Recognition Ceremony was held at the FRUIT CAMPAIGN Legislative Assembly, Fredericton, NB on Saturday, November 7. The Chief Scout Award was presented to 24 Please support St. Mark's United Youth from NB. In our Wabanaki area Church through their Annual Citrus Kayla Williams and Kaitlyn Wasson Fruit Campaign. The following fresh of 1st Westfield Scouting were proud fruit is for sale: Oranges (large - 56/ recipients, receiving their Award from case, small - 80/case) - $54 for a full the Lieutenant-Governor Jocelyn Roy- case, $28 for a half case; Tangelos (large Vienneau. The Chief Scout Award is - 64/case) - $54/full case, $28/half case; Grapefruit (large - 32/case, small - 40/ the highest Level earned by Scouts. The Lieutenant-Governor also case) -$47 for a full case, $24 for a half presented the Medal of the Maple, case. earned by Youth who have given Fresh fruit will be available for pick-up hours of Volunteer and dedication to on December 11 & 12. Also available Scouting after the Chief Scout Award. are freshly made Fruit Baskets - which Seven Youth received The Medal of include 6 oranges, 2 grapefruit, 6 apples, the Maple including Wabanaki Area 1 box raisins, 1 package homemade cookies, homemade Curtis Baird and Dylan Hebert from shortbread cranberry sauce, 1 lb mixed nuts - at a 1st Ketepec Scouting. The Silver Acorn Award was presented cost of $37. Baskets will be available for to Bill Mahaffy (11th Silver Falls) for pick up on December 18. outstanding service to the ScoutingT:4.9” Orders must be placed by November 30. To order or for more information Movement.
please call the church office at 672-3320 or Ralph at 672-5328. Thank you for your support! 3774
MILFORD COMMUNITY CENTRE 248 Milford Road, 672-2400 Mondays 7:00pm, Card night (Auction 45’s), no cards on holidays. Thursdays - Bingo, doors open at 5:45pm. Games start at 6:30pm. Saturday, December 5 - 1:00-3:00pm, Kid’s Christmas Party, no charge, but please register by November 29 by calling 672-2400 (leave name and age). Afternoon will include: Bernard Magician, cookie decorating, hotdogs & drink, and a visit from Santa (with small gift). The Community Centre is available to be rented for your special events, please contact the Centre for more information. For more information on any of the events/volunteering, please call the Centre or email: information@ milfordcommunitycentre.com. 0033
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November 24th - December 7th, 2015
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Celebrate the Season As we prepare to celebrate the season, it’s easy to get lost in the hustle and bustle that comes with shopping, holiday meal preparations and family gatherings. While the anticipation and preparation can be both exciting and stressful at times, there are many things we can do to help make it a joyous time for everyone.
any celebration. With the holidays just over four weeks away, it’s important to make a to-do list and assign a day and time when the items on the list will be taken care of. Otherwise, it will just stay a wish list and will be handled last minute and you will increase your stress level.
Being organized is the most important first step for
Have a gift buying budget and stick to it. It will keep your purchases more focused and easier on your wallet. Make a to-do list and plan your day. Always schedule more time than you think it will take. Most people forget that there’s more traffic this time of year, parking is limited and everybody is out doing their shopping so anticipate extra time at the cashier.
Fresh Start Festive Firs Fundraiser 2015 Order a top quality, cultivated Balsam Fir Christmas Tree from Fresh Start Services For Women Inc. All profits will be used to support women and children facing homelessness in Saint John.
If you have to do your shopping in different areas of town or the city, make sure you plan a shopping route that is more productive and efficient instead of having to go back and forth. Park at the most central places that makes it easy to coordinate your shopping at various stores.
Pick Up: Saturday, December 5th from 9AM – 9PM 2 Fisherma n’ sLane(off Sand Cover Road, Saint John West) Delivery: $10.00 (within Saint John West, North & City Center) Please Order by: Monday, November 30th To Order Call: Diana Richardson 635-4122 Prepay by Visa, MasterCard or Cash
Now Open for the Holiday Season!
We are in the office Monday,Wednesday and Friday for special orders. Drop off your planters anytime to be filled with seasonal greens for the holidays, or stop in to see what we have put together, ready to take home.
738-8319 10
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shadesofgreen@bellaliant.com shadesofgreengardencentre.ca
November 24th - December 7th, 2015 
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WHAT’S HAPPENING November 21-30 Festive Firs Fundraiser - fresh cultivated Christmas Trees (5-10’) in support of Fresh Start Services for Women and help prevent women/ children from homelessness in our city. Pick-up on Saturday, December 5 at 2 Fisherman’s Lane, West. Diana 635-4122 to order, Visa, MasterCard and cash. Thursday, November 26 SJ Art Club monthly meeting 6:30pm at the NB Museum, Market Square. Short business meeting followed by special guest, Artist Dale Cook. Saturday, November 28 Women's’ Retreat (Pottery Quiet Day) “Reconnecting to the Potter” at Trinity Church (115 Charlotte Street, SJ). RSVP: Beth Lawson 642-7348. Holiday Market, sponsored by the M Gerald Teed Home & School, 10:00am2:00pm in the school gymnasium (99 Daniel Avenue, Millidgeville). Admission $2 donation, children 12 and under are free. All welcome. Lobster Dinner, in support of St. Luke’s Anglican Church Capital campaign, at the Church Hall (corner of Metcalf St. & Lansdowne Ave) with guest speaker and music. Reception 6:30, dinner 7:00pm. Tickets $200 (tax receipts for portion). Info Marilyn 652-1813. Sunday, November 29 22 Annual Christmas Gala, Saint John’s Christmas Variety Show – features six acts, 175 adult and children singers and players, plus a finale sing‐ along. This year at St. Mark’s Church (Greendale) West, 7:00pm. Tickets $20 & $10. nd
Monday, November 30 Adult Public Skating at Harbour Station, 8:30-9:30pm for ages 18 and up (hockey, figure or speed skates). Enter by West entrance. Live music by Ron Maloney. $8/skate night. For more info: harbourskatingclub.ca; “Harbour Skating Club” on facebook; or call 672-2385/672-9424.
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Tuesday, December 1 The Carleton Choristers present “Christmas with the Choristers” 7:30pm at Grace Presbyterian Church (101 Coburg Street). Tickets are $12 and are available at the door or from chorister members. Director: Christopher Lane. Accompanist: Claire Driscoll. Wednesday, December 2 Seniors’ Christmas Tea & Movie, 12:00noon at Trinity Church (115 Charlotte Street, SJ). No charge. Thursday, December 3 Rocmaura Nursing Home Auxiliary monthly meeting in the Boardroom at Rocmaura at 2:00pm. All are welcome. Friday, December 4 Christmas Confections & Concert featuring “The Four of Us”, 7:00pm at Carleton-Kirk United Church . Tickets ($10) available at the door or from church members. 635-8616. Saturday, December 5 Kiwanis Gift Wrapping & Cash Calendar sales begin from their booth by the entrance to Sears at McAllister Mall, and continues during mall hours until December 24. Tuesday, December 8 SJVS/HVHS Annual Christmas Dinner at Br. #69 Lancaster Legion, happy hour 5:30pm; roast beef dinner 6:00pm, entertainment (Delbert Worden) at 7:00pm. Former students of Voc/Harbour View are welcome.
For info: 696-5027, 642-3516, 6937314 or 839-2749. The Annual Concert of Christmas music presented by the Saint John Men’s Chorus at Portland United Church in Saint John at 7.30pm. Admission is $15 at the door. Beautiful music in a beautiful setting.
Wednesday, December 9 Alto Mare Christmas Concert, 7:00pm at Trinity Church (115 Charlotte Street, SJ) - free will offering. Monday, December 14 "That's Christmas to Me" with the Treble Clef Singers at Silver Falls United Church, 7:00pm. Tickets $12, available at the door or by calling the church 696-1410 or Wendy at 6964199. Saturday, December 19 Community Christmas Carols & Lessons at Trinity Church (115 Charlotte Street, SJ) 7:00pm. Free entrance. Tuesday, December 22 Messiah Performance at Trinity Church (115 Charlotte Street, SJ) 7:00pm. Thursday, January 28 SJ Art Club monthly meeting 6:30pm at the NB Museum, Market Square. Short business meeting followed by special guest, Peter Laroque. 849-7119
MUSINGS
Q. I have high income but am still having trouble paying my bills. Can I still declare bankruptcy?
MEMORY UPGRADE PLEASE If only people were like computers and we could upgrade our memory periodically. There was a time when my memory never failed me. (‘Course there was also a time when I could wear a size 4, but let’s not go there!) Names have never stuck, but events, appointments, conversations, information from books I had read. . . all there when I needed them. Now, not so much. I have however developed a number of ways of ensuring things don’t get forgotten and normally all is well. But when it fails, it really fails. Last night I was having a conversation with my granddaughter regarding two things she needed to remember to do when she got home. She had finished her homework at our place and was heading home. She had a form from the school that needed to be signed and she had an invitation that she had to discuss with her mother. Both needed to be taken care of that night. As she headed out the door I repeated several times “purple form, sleepover, purple form, sleepover, purple form, sleepover”. A short time later I noticed Michael had an appointment marked on the calendar with our mechanic. When I asked if he was having a problem with the car he explained this was just for the inspection. As I processed this I asked “doesn’t the Fusion (my car) come before the Subaru (his car)”? Since neither of us could remember
A. Yes, you can file for bankruptcy if your
when the Fusion was last inspected, out I went to the cold dark garage to find out. . . couldn’t stand not knowing. Yep, it did come before the Subaru. . . the inspection ran out last month. And while I know lots of people who have had the same experience, what really irks me is I had the same thing happen last year! How could I let that happen? As soon as the auto garage was open this morning I was on the phone and got an appointment for the car. I also went into my electronic calendar and put a reminder in for November of next year so this will NOT happen again. As for my granddaughter, she did much better than Nana in the memory department. She had the permission for the sleepover taken care of, the form for the school signed, but had forgotten to put it in her bookbag. She dashed back home to fetch it and was good to go. I didn’t mention my memory fail . . . 0002
income is high. To qualify for bankruptcy, you need to be insolvent which means you are unable to make your payments as they come due. So, if you are insolvent you can go bankrupt regardless of income.
However, the payments you make during bankruptcy are based on your income. So, if your take-home pay is high then your payment is higher than if your income is low. The monthly payment is made to the Trustee in Bankruptcy for the benefit of your unsecured creditors. High income earners often find that a proposal to creditors works better for them than bankruptcy. In a proposal, the Trustee will help you work out a payment schedule that will include a single monthly payment which is then paid to your creditors on a pro-rata basis. The payment schedule can be flexible to accommodate a variety of different situations. We are pleased to offer a free consultation to discuss your options. Grant Thornton Limited (formerly known as Grant Thornton Poirier Limited) provides advice and solutions to individuals and businesses experiencing financial difficulty. Additional information can be obtained on our website or by contacting our office. Henry Francheville, CA, CIRP, Trustee in Bankruptcy
Trustees in Bankruptcy Fresh start…the road to financial freedom
1-888-455-6060 www.freshstartatlantic.ca
Debbie Hickey President, Ossekeag Publishing
Season’s Greetings &HaveWarm Wishes Never Been so Easy
Trustee in Bankruptcy. Formerly Grant Thornton Poirier Limited. Resident Trustee Office: 87 Canterbury Street, Saint John, NB, E2L 2C7. Grant Thornton Limited. A Canadian Member of Grant Thornton International Ltd. Trustee in Bankruptcy.
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650-3114
to Send & Receive! Not to Mention How Much You’ll Save on Postage This Year.
Deadline: December 15th, 2015
November 24th - December 7th, 2015
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COMMUNITY CLASSIFIEDS EMPLOYMENT LOOKING FOR 2 employees ASAP at Riverdale Manor in Hampton. First Aid & CPR are required. Call Krissy or Crystle at 832-4051. Possible benefits after 3 months. FOR SALE BURIAL PLOTS (1 single, 1 double) Greenwood Cemetery, Saint John, $1,400 each plot OBO 672-7106. W W W. N U C L E A R N E I G H B O U R . CA iOSAT™ 14 130 mg radiation protective KI tablets for the most feared consequence of a nuclear accident – a meltdown, releasing radioactive iodine into the environment. CNSC requires that potassium iodide (KI) tablets be given free to residents within 20 kms of Pt. Lepreau Nuclear Plant. Outside the zone, purchase iOSAT™ in easy to store, easy to access, family friendly packs: Go to http://shop.nuclearneighbour.ca. SDCanada, Inc. 506-485-0889.
Fredericton. On weekends, hot chocolate and craft for little ones. Open daylight hours in December. Laura & Ray Folkins 433-4229 PRAYERS PRAYER TO THE BLESSED VIRGIN (never known to fail). O Most Beautiful Flower of Mount Carmel. Fruitful Vine, Splendour of Heaven, Blessed Mother of the Son of God, Immaculate Virgin assist me in my Necessity. O Star of the Sea, help me and show me you are my mother. O Holy Mary Mother of God, Queen of Heaven and Earth, I humbly beseech you from the bottom of my heart to secure my necessity (make request). There are none who can withstand your power. O Mary conceived without sin, pray for us who have recourse to thee (3 times), O Mary, I place this cause in your hands (3 times). Say this prayer for 3 consecutive days, then publish it & it will be granted. L.M.
OTHER
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The Tides
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Call 832-5613 to book your space.
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Home of the Hampton Herald, Sussex Herald, Valley Viewer & The Tides
Cedar Hill-Greenwood Cemetery New 72 Unit Columbarium Cedar Hill Extension Our office is open for you Monday - Friday 9:00 - 4:30
1650 Manawagonish Rd., Saint John, NB, E2M 3Y3 • 672-4309
Southern N.B Discount Tire “ We will not be undersold Guaranteed ”
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www.ossekeag.ca info@ossekeag.ca
Shelley Halliday
14 Walker Crescent, Hampton, N.B, E5N 5Z8 506- 832-7446 | shelleyhalliday@hotmail.com
Tel: 832-5613 242 Main Street Hampton, NB E5N 6B8 info@ossekeag.ca November 24th - December 7th, 2015
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