Neighbourhood WATERDOWN, CARLISLE, KILBRIDE Issue 04 2020

Issue 04 • 2020

W A T E R D O W N ,

Sisters Eileen & Wynne Photo credit: Tracey White Kirouac

C A R L I S L E ,

K I L B R I D E

CO VID-19:

m o r f e g a s s e MMEDIA aTHN

The team at THN Media, publishers of Neighbourhood and Curb Appeal Magazines, are concerned about the unprecedented impact of Coronavirus (COVID-19) and wish that you and your families stay well.

Collectively complying with the directives of our provincial and federal governments presents the best strategy to limit the pandemic. We appreciate that the announcement of new measures to control the pandemic have an economic impact worldwide.

Our THN Media team work remotely and are able to continue publishing Neighbourhood and Curb Appeal magazines supporting Businesses and Realtors in Ontario.

We would also like to take this time to thank all our hardworking First Responders, Health Care Workers and

2

NEIGHBOURHOODMAGA ZINE .CA

Grocery Store and Pharmacy Workers for providing the essential services critical in keeping Canadians safe and secure across the communities.

We are seeing communities help each other with acts of kindness such as restaurants donating to food banks, neighbours helping each other with deliveries, businesses doing what they can to help anyone in need.Â

IT’S CO MMUNITY SPIRIT AND CANADIAN VALUES SHO WING THEIR PO WER!

YO U AN D YO U R LOVED O N E S G O O D H E ALTH FRO M ALL O F US AT

ASK US ABOUT OUR

Offering you a choice in difficult times…

GUARANTEED INCOME and INVESTMENT OPTIONS.

Uncertainty Doubt Fear Financial Distress

BROWN Financial Security Inc.

Work Hard.

Retire Well.

Leave a Legacy.

Guarantees Confidence Peace of Mind Financial Security

1.877.633.0633 t: 905.690.5035 info@brownfinancial.com Toll Free:

www.brownfinancial.com

APRI L IS O R AL H E ALTH MO NTH

HERE ARE 5 WAYS TO

SPRING CLEAN YOUR

ORAL HEALTH

4

3

Make flossing a daily habit!

2 1

Reduce the amount of sugary foods and drinks that you consume.

Ensure that you’re eating a wellbalanced diet.

Swap out the chips for cheese, nuts, fruits and veggies!

Use a soft-bristle toothbrush and a toothpaste that contains fluoride.

5

Don’t forget to replace your family’s toothbrushes at least every 3 months.

Avoid smoking, vaping, cannabis, or chewing tobacco.

905 690 2121 e: magnoliadental2121@gmail.com

magnoliadental.ca

16 Clappison Avenue D2-04, Waterdown ( IN THE NO FRILLS PLAZA )

NEIGHBOURHOODMAGA ZINE .CA

3

PRESIDENT JAMES BAKER

james@thnmedia.com

ADVERTISING SALES DAVID JOUBARNE david@thnmedia.com

CREATIVE DIRECTOR JASON STACEY

jason@thnmedia.com

CREATIVE PRODUCTION DERECK ADDIE

dereck@thnmedia.com

TIM FRANKIW

tim@thnmedia.com

WEB DESIGN VAUGHN JOSEPH vaughn@thnmedia.com

ADMINISTRATION DIANA LYNAS

diana@thnmedia.com

COMMUNITY AMBASSADOR SUSAN GIBBINS susan@thnmedia.com

CONTENTS

CONTRIBUT0RS PEETER POLDRE LESLIE STYLES GARETH SKIPP

PRINTING DOLLCO

Creatures of Habit

6

How to Support Small Businesses in these Uncertain Times

8

2187 Dunwin Drive Mississauga, ON L5L 1X2 905 278 1111 thnmedia.com

Q&A with The Mortgage Nest

10

Looking Out the Window

12

Tahini Granola Cookies

14

4

NEIGHBOURHOODMAGA ZINE .CA

neighbourhoodmagazine.ca Delivered by

Neighbourhood Waterdown, Carlisle, Kilbride Magazine is published and delivered monthly to selected Homes in Waterdown, Carlisle and Kilbride

by Canada Post, agreement #41362062.

Disclaimer: Every effort has been made to publish this magazine as accurately as possible; however errors and omissions can occur.

THN Media, their employees, agents, representatives and vendors are not liable for any damages relating to errors or omissions in the editorials or advertising, which may appear herein except where a specific charge has been made. In such cases, THN Media shall have limited liability only to the charge for such advertising or editorials.

OVER 50% SOLD

1, 2 and 3 Bedroom Units Still Available - Act Now!

NO BETTER FRIEND THAN A SISTER

PRESENTATION CENTRE OPEN BY APPOINTMENT ONLY

Register at rockhavenrealty.com/5-hamilton Phil Calvano* Broker of Record

Cathy Calvano Sales Representative

#WEAREINTHISTOGETHER

Tracey White Kirouac shared these beautiful photos of her 89-year-old Mother Eileen, socializing with her best friend Wynne, her 91-year-old sister. Both sisters lived through World War 2 together while living in Manchester, England.

Office: 905-689-7325 Direct: 905-516-6800 phil@rockhavenrealty.com 170 Rockhaven Lane, Waterdown, ON L8B 1B5

Today, they are experiencing the extraordinary changes with the COVID-19 pandemic.

They speak to each other daily by phone, even though they live only two townhouses away from each other. They take turns cooking for each other and leave the prepared food and magazines at the front door. They are currently social distancing from each other, waving and blowing kisses through the glass window.

We thank these two beautiful ladies for their role in stopping the spread of this virus.

NEIGHBOURHOODMAGA ZINE .CA

5

C R E AT UR E S OF

HA B IT

BY NILOO PAHLAVAN

T

he last few weeks have brought many sudden, stressful changes to our lives. As human beings adapting to these changes, we may be feeling confusion, sadness and uncertainty, which in turn affects our pets.

Dogs, like people, are creatures of habit and following a daily routine gives them structure and confidence.

If you are mainly at home during this pandemic, try to keep your dog’s schedule intact as much as you can.

The schedule of activities such as walks, crate time,

6

NEIGHBOURHOODMAGA ZINE .CA

meals, play and naptime should remain as consistent as possible while developing new rituals and routines.

Consistency will help your dog adapt to changes such as you (and the rest of your family) being home during the day and will also ease the transition later on when things are more stable and you go back to work/school.

So, as we navigate through these challenging times, be mindful of your pets and their own routines to ensure their mental and physical health. www.doggieinthewindow.ca

TICO # 50021363

For now... let's Daydream

578 Upper James Street Hamilton, ON L9C 2Y6

MORTGAGE LENDING SOLUTIONS FOR...

Don't curb your wanderlust, now is the time to daydream.

Our love of the world unites us, now more than ever. We are all travellers. We are all dreamers. We are all in this together.

The best memories are yet to come.

#StrongerTogether

289∙895∙7677

First Time Home Buyer Refinance or Renewal Investment Properties Specializing in Self Employed

Carmen Cisterna Licensed Mortgage Agent

289-208-6258

cruiseshipcenters.com/waterdown

mortgagewithcarmen@gmail.com

225 Dundas Street E ∙ Waterdown ∙ Sobey's Plaza

www.themortgagenest.ca

A N D OU T D O OR L I V I NG

For more photos and information from events in the community, VISIT US ONLINE

neighbourhoodmagazine.ca

Oasis

You deserve an of your own.

LANDSCAPE DESIGN/BUILD POOLS • HOT TUBS • PATIO FURNITURE

4200 Fairview Street

905 • 315 • 9217 cisconlandscaping.com

NEIGHBOURHOODMAGA ZINE .CA

7

HOW TO SUPPORT

SM ALL B USINESSES IN THESE UNCERTAIN TIMES Thousands of businesses across Canada are feeling the financial strain of the coronavirus after closing their doors to uphold social distancing practices.

For small business owners suddenly deprived of customers, any support from the local community can spell the difference between surviving the pandemic and closing their doors forever.

8

NEIGHBOURHOODMAGA ZINE .CA

Here are some ways you can help support small businesses during this trying time.

Buy Online While some local restaurants have opted to close their doors to weather the outbreak, many restaurants are offering delivery and pickup, but check for delivery options at places other than restaurants.

Your local hardware store, flower shop, bookstore or clothing boutique may not have their usual storefront, but many are providing delivery or curbside pickup.

Buy Gift Cards Purchasing a gift card to your favourite shop, theatre or restaurant is an immediate way to put cash into a business. Gift cards can go toward helping cash flow in these uncertain times.

See if Local Studios are offering Video Classes Quarantine life can get dull. Check out local exercise studios to see if they are offering livestream classes. You can also hire a financial planner, therapist, tax accountant, personal trainer, or music teacher right now ― they’re all providing services online.

Leave Good Reviews A word of support can also go a long way for stressed-out business owners.

Go online to post positive reviews. Reach out by social media, e-mail, phone call, or whatever mechanism you have to tell them that you support them and when all of this is over, you’ll be there at their door.

Now might be a good time for Home Projects or Repairs If you’ve been meaning to put up a fence, do a bit of landscaping, replace some windows or tackle any other project that doesn’t take more than a few people to complete, find a local handyman or service to help. On-site auto mechanics are also available if you need them.

Tip Extra Generously, if you can Delivery workers are especially vulnerable to contracting coronavirus, given the nature of their work. If you can afford to tip 40% or even more, delivery workers would appreciate it.

And if you’re worried about coming face to face with the delivery worker, ask them to put the bag on your front doorstep instead.

Share Your Knowledge via Social Media If you learn of a unique promotion or idea from a local business, share it online. Businesses are providing decorating and baking kits for kids and their parents, with curb side pickup.

Because local businesses usually don’t have huge marketing efforts, their customers can help spread the word through social media.

Be Creative With much more free time than usual, use that time to be creative. Start an online contest / drawing for local business gift cards and services and promote it online and on social media. Each week, draw a winner and share the results.

Just how long these small businesses will have to scale back operations is unclear, but ultimately, it’s going to be up to us, the local communities, and customers, to support them. Please do your part and stay safe.

NEIGHBOURHOODMAGA ZINE .CA

9

CARMEN CIS T ER NA Licenses Mortgage Agent

The Mortgage Nest THEMORTAGENEST.CA

What are some trends right now in your industry that our readers should know about?

Trends change so often!

Today, we are facing a global health challenge and it is the major focus of every government body and community. This is directly impacting so many Canadians with their jobs, their salary, their homes, their businesses and their children’s education.

10

NEIGHBOURHOODMAGA ZINE .CA

Financial support is becoming more and more important. As a result, we have seen rate changes on a consistent basis, the increasing need for additional funds, and the opportunity to leverage current market values.

For our readers - knowing your mortgage options is key if you’ve been impacted financially. As every institution is different in terms of their rules, reach out to them to find out your options. Learn how the mortgage payment deferrals work and see if that’s the right solution for you. There are interest implications to completing these transactions so education is key!

Mortgage Refinancing is one of the other trends I am seeing. Given the rate drops we’ve been experiencing, homeowners are looking at early renewals if it works in their best interest to lock in lower rates.

I’ve spoken to many clients about whether or not this makes sense and since we are all different, it’s a conversation we can have together.

Why did you choose to become a Mortgage Agent?

I’ve had many careers since I began working after graduating post secondary school. For almost 17 years, I worked for a major Financial Institution. In my tenure there, I focused on helping clients and staff through areas such as personal banking, credit cards, mortgages, loans, business banking and more.

This allowed me to gain an overall picture of our financial health system that we are all trying to attain through various products and institutions. What was missing for me was my ability to provide alternative options for clients that didn’t fit one specific mold. For me, becoming a Mortgage Agent and helping people simply with closing their mortgage was never the goal, home ownership and financial freedom were. In my role as a Mortgage Agent, I felt that this was a great way to be able to really dig deep into my client’s goals and more importantly, match them up with the Institution that was the best fit for them and where they were going on their financial path.

What are the benefits to working with The Mortgage Nest? What separates you from your competition?

I always say that nothing replaces experience - ever!

I’ve been a young investor, new home owner, corporate paid employee, self employed, single income, and lastly, married and supporting a family. How things change through our stages of life! We work on the principle that mortgage financing is not a “one size fits all” solution.

Getting to know our clients, their current financial picture, and future plans and goals is our biggest priority before even discussing Mortgages. We have teamed up with some of the best partners in the industry that will help place your mortgage financing as an overall part of your financial freedom plan - from Realtors, Investment Specialists, Insurance providers and Financial Planners.

What services do you provide? What types of Mortgages do you offer?

Mortgage Financing can be used for so many different options. We often think of mortgages as something we get simply to purchase a home. While that might be true, how we continue to use our mortgage financing has so many different options. Here are some examples on service we provide:

1) New Home Purchases Of course! If you are a first time home buyer, or looking at developing a plan to be a first time home buyer, we are here to help. We take a look at your current financial situation, and how it will prepare you to be able to buy that home you’ve always wanted. Whether you are new to the credit world, or someone who’s been there a time or two, we will work with your current situation.

2) Refinancing You might be a current homeowner in a mortgage today, but have found that ‘next’ home you are looking at. If you need to increase your mortgage we are here to help you!

3) Debt Consolidation & Home Renovation Lending Mortgage Financing is one of the lowest lending rates on the market. Why not take advantage of that to consolidate your existing debt, or plan that indoor or outdoor home renovation you’ve always wanted?

4) Lending for Self Employed I was personally employed with both a large Corporation as well as being Self employed, and I can tell you first hand that your mortgage financing will be a very different experience having these two types of income. Most Self Employed individuals feel like mortgage financing is impossible for them - but it doesn’t have to be! Having a Mortgage Agent that understands how to let Lenders know your ability to repay is important. There are plenty of other ways to prove that you are good for the lending without a fixed salary if you run your own business.

What questions do you like to ask your potential clients before working with them?

This is such a big part of what we do. People often think about their new mortgage or mortgage renewal as something they need at that moment in time. The mortgage product you pick, as well as the Institution you pair up with for your financing, is very important.

Questions such as: Is this your forever home? Are you planning on upsizing or downsizing your home in the next 3-5, or 10 years? Do you plan on growing your family? Are there kids that might be moving out? How soon do you want to be mortgage free? The questions are endless. It’s really about establishing a connection to our clients and really understanding what’s important.

Studies show that people are looking to break or renew their mortgage in as little as every three years - not being in the right product, or asking the right questions can impact the experience when this time comes.

What does the future hold for The Mortgage Nest?

Would be so great to have a lens into the future. But, if we could control it, it would be to continue serving our clients for more than just your mortgage. We see our clients being debt free sooner, mortgage free sooner, early retirement, and an unprecedented ease of financial burden so they can continue to enjoy life.

NEIGHBOURHOODMAGA ZINE .CA

11

B

A

Looking out the Window

D

PHOTOGRAPHY BY PEETER POLDRE

During this pandemic, we’ve all been encouraged to stay inside to help stop the spread of COVID-19. THN Media photographer, Peeter Poldre took this opportunity to spend some time looking out his window recently and captured a wide variety of birds as they perched in the trees and his bird feeders. Thank you for bringing some colour to our world Peeter.

E

F

Try to guess the different species! Answers below.

A) B) C) D) E) F)

H

Redbellied Woodpecker Redwing Blackbird Goldfinch Nuthatch Goldfinch Cardinal (female)

G) H) I) J) K) L)

Woodpecker & Blackbird Grackle Goldfinch Junco Goldfinch Cardinal (male)

I

K

J

L

Better things with a Desjardins Agent Our comprehensive offering includes: • • • • • • •

Auto insurance Homeowners insurance Tenants insurance Condo unit owners insurance Business insurance Life and health insurance Financial services and retirement planning

Burnside Insurance and Financial Services Ltd Andy Burnside, Agent 244 Dundas St E Waterdown, ON L8B 0E7 905-689-8686 www.andyburnside.ca

1910911CN

C

Contact me today.

Stop in, call or click.

Desjardins Insurance refers to Certas Home and Auto Insurance Company, underwriter of automobile and property insurance or Desjardins Financial Security Life Assurance Company, underwriter of life insurance and living benefits products.

Desjardins, Desjardins Insurance and related trademarks are trademarks of the Fédération des caisses Desjardins du Québec, used under licence.

WATERDOWN

®

Lotto Centre de Loto

PHARMACY

PROVIDING PROFESSIONAL DISPENSARY SERVICES INCLUDING MedsCheck (Comprehensive Medication Review), Blister Packaging, and Flu shots.

Specialized Services featuring Smoking Cessation, Compression Therapy, Custom Renewals and more G

Due to the corona virus our hours have changed.

Call us or visit our website for the latest information.

We would like to thank all of the many front line workers for all you have done to keep our community healthy and safe

145 Hamilton Street North 905.689.0999

www.waterdownpharmacy.com NEIGHBOURHOODMAGA ZINE .CA

13

CAROLYN COHEN, Founder/Chef/Recipe Developer of DeliciousDish. DeliciousDish Cooking School specializes in Whole Food Home Cooking, Meal Planning, Recipe Developing and Healthy Eating. #CookAtHome

e: deliciousdishcookingschool@gmail.com d: 416.200.3522 deliciousdish.ca

Makes: 3-4 dozen

Granola COOKIES

These are cookies that you can bake and not feel guilty about eating them afterwards! Make them and enjoy them; delicious cookies just don’t get any healthier!

DIRECTIONS STEP 1: Preheat oven to 350°F or 325°F convection. Line several cookie sheets with parchment.

STEP 2: In a large bowl, combine, oats, flour, coconut, seeds, cinnamon and salt.

14

NEIGHBOURHOODMAGA ZINE .CA

STEP 3: In a smaller bowl or measuring cup, stir together the tahini, maple syrup, oil and vanilla.

STEP 4: Pour wet ingredients into dry and stir until evenly combined.

STEP 5: Fold in walnuts, raisins or chocolate chips.

STEP 6: Using a soup spoon or mini-scooper, scoop batter into mounds onto the prepared cookie sheet. You may need tao form them into mounds with you fingers.

They may appear as if they are not coming together, but they bake up great! Don’t worry about crowding the pan a little, they do not spread.

STEP 7: Bake for 15 minutes or until lightly browned.

INGREDIENTS • 2 cups (8oz/225g) Rolled Oats, I like the large flake or old fashioned for these • 1 cup (4 1/2 oz/130 g) Flour • 3/4 cup (2 oz/55g) Shredded Unsweetened Coconut • 2 tbsp Raw Pumpkin Seeds • 2 tbsp Raw Sunflower Seeds • 1 tbsp Cinnamon • 1/4 tsp Sea Salt • 1/3 cup Tahini • 2/3 cup (160 ml) Maple Syrup • 1/2 cup Canola Oil or Liquid Coconut Oil • 1 tsp Vanilla • 1/2 cup Chopped Walnuts or Pecans (optional) • 1/2 cup Small Raisins or Chocolate Chips

Give yourself peace of mind with the right coverage for you.

Jeff Welsh, MBA Financial Advisor The Co-operators E3-145 Hamilton St N I Waterdown 905-690-2667 I jeff_welsh@cooperators.ca www.cooperators.ca/Jeffrey-Welsh

At The Co-operators, we’re insurance experts. So, whether your goal is to protect your home, your vehicle or your family’s financial future, you can count on us for the right coverage - designed to fit your needs. Call us today!

Not all products available in all provinces.

During this unprecedented time, the Brown Lawyers Team is here to help in any way we can. We are here for planning, estate administration and business needs, to answer questions and offer guidance through these difficult times.

We recognize that extraordinary times call for us to rise up, reach out, and help raise others up. We are here for our community. If you or someone you know needs help right now to pick up groceries or a prescription, or someone to talk to, we are ready to help.

Call or email us and let us know how we can help. We are committed to supporting our clients and our community as much as we can. We may need to keep some physical distance between ourselves right now, but that doesn’t mean we can’t connect. Because together is much better than alone.

Estate Administration. Wills. Powers of Attorney.

Brown Lawyers 25 Mill St. N., Waterdown, ON L0R 2H0 905-528-6346 | info@brownlawyerspc.com BrownLawyersPC.com

Together, finding balance.

NEIGHBOURHOODMAGA ZINE .CA

15