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Arts charities win big with Oak Tree Project by Doug MacMillan
Community of Hearts Lifelong Learning Centre was recently presented with $6,000 in cash prizes as the selected charity during The Oak Tree Project’s community fundraising competition. Pictured are Will Mactaggart, Director of Wealth Management for The Mactaggart Team - Richardson GMP Ltd (left), with Mayor Cam Guthrie and the members of the winning charity team, Community of Hearts. Photo: Dave Peleschak Design and Photography
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Several local charities shared more than $33,000 in cash donations at September’s finale of The Oak Tree Project, a community fundraising initiative spearheaded by local investment advisors The Mactaggart Team. The big winner? Community of Hearts Lifelong Learning Centre, a social network and skills training organization for individuals with intellectual disabilities. The charity left with more than $6,000 in cash prizes–along with dozens of compelling personal stories about their work written by their supporters. “We asked participating charities to share how a cash donation would help them build a stronger community through arts-based programming,” says Will Mactaggart, the lead on The Oak Tree Project. “Creative expression is something we’re passionate about. Not only have studies shown that arts programming can have a positive impact on the development of local communities and social networks, but also strengthening these roots will benefit future generations. Participating in art activities helps us to gain the tools necessary for understanding the human experience, adapting to and respecting others’ ways of thinking and working, developing creative problemsolving skills and communicating thoughts and ideas in many different ways.” Eighteen charities participated in the three-month competition, collecting online stories from supporters over the summer. Each story counted as a nomination, and the six organizations that collected the most online stories were invited to the finale to pitch their projects to judges and the audience of 210 supporters. The creative talks occasionally had the crowd wiping their eyes and the grand prize winner of $5,000 was awarded to Community of Hearts, which also netted another $1,000 as winner of the special Judges’ prize. Their idea on how $5,000 would benefit their work? A 10-week program to create large community murals exploring the theme of overcoming barriers. Participants will work in teams with professional local artists, and members of the wider community
will be invited to participate as well. Other big winners included Better Beginnings, Better Futures, awarded the $1,000 people’s choice award along with a finalist prize of $2,000. Four other finalists–Focus on Nature, Guelph Concert Band, Hospice Wellington and Murals of Hope–took home $2,000 each. “In fact, nobody went home empty-handed: each of the 18 participating charities left with a donation”, says Mactaggart. The money was provided by his business, matching gifts from other community businesses and sponsors, as well as donations made by guests at the finale event. “One of the best aspects of this project has been how many of our business partners and clients have so willingly contributed to the “pot” of winnings. They light up when we tell them about The Oak Tree Project, and many ask how they can get involved. It’s one of the many reasons we spend time with clients and colleagues talking not just about their investments, but about the things that matter to them, and to us,” says Mike Hryn, investment advisor and partner on The Mactaggart Team. “This truly is a community effort: we provide the engine, but the fuel is our clients, associates, in-kind sponsors, 210 guests at the finale and more than 1,200 online supporters who all contribute,” says Hryn. “We are grateful to everyone who has supported us to make the 2015 Project such a great success.” The Oak Tree Project was started in 2014 as a way of engaging the community in The Mactaggart Team’s corporate giving program. Each year, charities are invited to submit an idea based on a particular theme, and a call to the community helps generate stories, which serve as votes.
“As investment advisors, we’ve learned that the secret to building a family’s wealth and legacy lies not just in having an in-depth knowledge of the market and opportunities, but by spending time understanding our clients,” says Mactaggart. “We’re good listeners, first and foremost,” says Mike Hryn.“We aren’t interested in plugging someone into a formula, and would rather earn our clients’ trust by listening before we lead. We’ll ask a lot of questions, because we know only they are aware of your unique situation and needs–today, and as they prepare for the future and whatever it may bring: education, family events, retirement, wealth transfer and philanthropy.” “This project is an extension of that philosophy– we give back by listening to our community.” Sponsors of The Oak Tree Project included: Adrian Raso, AGF Investments Inc., The Art Gallery of Guelph, Boarding House Arts, Bridgehouse Asset Managers, CI Investments, Dave Peleschak Design and Photography, Dynamic Funds, Franklin Templeton Investments Corp., The Letter M Marketing, Richardson GMP Ltd., Palmer Audio, Pearl Street Communications, Picton Mahoney Asset Management, Polar Securities Inc., Premier Impressions Ltd., Rosmar Drywall, Savour the Season, Sorbara Law and Trez Capital. The judging panel included Cam Guthrie, Claire Hefferon, Chris Willard, Dawn Owen, Ella Pauls, Jeff DeRuyter, Kirk Roberts, Kithio Mwanzia, Marty Williams and Renann Isaacs. For more information visit www.oaktreeguelph.ca or contact Will Mactaggart, at The Mactaggart Team Richardson GMP Limited, 519-827-2906 or Will.Mactaggart@RichardsonGMP.com
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Rotary Corner Rotary Club of Guelph-Trillium News
Reasons to partner with Rotary Club of Guelph-Trillium and RIBFEST in 2016 It has been six weeks since Guelph celebrated the 18th annual RIBFEST festival in Riverside Park. The final numbers are still being calculated but we do know that in excess of 35,000 people visited the park over the weekend and we raised a new record amount of donations at the gate. Local charities count on these funds raised by Rotary. The Guelph-Trillium Rotarians are hard at work planning next year’s event. Countless hours spent throughout the year organizing, and planning this event. Without the support of our partners–some have been with us from day one– this event would not even get off the ground since the expenses and money spent prior to Ribfest are substantial. Preparing for Ribfest means contacting partners and potential partners to get commitments for the coming year. As a business owner or professional in our community the following list provides five reasons why you should consider being a partner with Rotary and Ribfest in 2016. #1: Targeted Marketing: With over 35,000 people attending in 2015 and an 18 year history in the community, this event brings in families, business owners, and community leaders throughout the weekend. This is a tremendous opportunity to put your company’s name and marketing messages to a dedicated and strong Guelph audience. #2: Create and Enhance Credibility: Many companies struggle to get a larger profile outside of their own market or industry. A partnership with Rotary will provide a diverse and large audience to introduce your company and products to. #3: Media Exposure: Your partnership with Rotary will benefit from extended exposure in social media, print and radio. We are a different source of media exposure that carries a positive social value and is seen as less commercial. #4: Brand Awareness and Recognition: Name and Logo placement and acknowledgment leading up to, including and post event promotion will help foster brand awareness and build good will throughout the community. #5: Generate New Sales Opportunities and Business Partnerships: It takes many people and companies to host Ribfest each year. A very diverse group that provides an excellent networking opportunity and can generate new business and strategic partnerships.
Above, listing just a few reasons why you should partner with Rotary for RIBFEST 2016. For further details and information on how to partner with us in 2016 please visit our website, www.ribfestguelph.com Join Leaders - Exchange Ideas - Take Action.
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Great Spaces At the Guelph Country Club, our professional function spaces demonstrate our commitment to conference services and extraordinary meetings. Our Waverly Room and Heritage Room offer flexible room configuration and set up, as well as integrated and fully supported audio visual systems complete with Wi-Fi and conference call ability all at no extra charge. Culinary Excellence From a simple continental breakfast to a formal dinner, our hospitality and banquet staff take immense pride in providing you and your attendees with a creative and exceptional dining experience. Our team will work with you to tailor a menu solution that will impress, while adhering to your budget. At the Guelph Golf and Conference Centre we truly believe that our people represent our competitive advantage. And we believe that you deserve a Great partner during the intricate process of crafting a meeting or event. From planning to closing remarks, you’ll feel confident knowing that you are supported by an entire team of meeting professionals fully vested in your success.
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Students explore career options in manufacturing on MFG Day in Guelph Students from construction and transportation classes at St. James Catholic High School in Guelph participated in MFGDay on October 2 with a morning tour of Roctel and an afternoon tour of Hitachi. While enjoying lunch at the Frank Hasenfratz Centre of Excellence in Manufacturing, Minister of Education Liz Sandals stressed the value of exploring career options while in high school to find the right fit. Working with local school boards, the Workforce Planning Board of Waterloo Wellington, Ontario Youth Apprenticeship Program, and the Career Education Council facilitated student tours of local manufacturing facilities as part of MFG Day. The North American event (as explained at www.mfgday.com/) addresses common misperceptions about manufacturing by giving manufacturers an opportunity to open their doors and show, in a coordinated effort, what manufacturing is–and what it isn’t. Transportation teacher Ryan Lawrenson applauds industry representatives who are so willing to show students what is behind the brick and mortar of manufacturing companies. Comments from participating students confirm that the goal of MFG Day locally met its goal. Grade 9 student Liam Whelan says, “Manufacturing plants were not at all what I thought. I never expected things to be so clean. Definitely changed my mind about what careers in manufacturing might be.” Following the two tours, grade 11 student Tony Marques Da Silva said, “Honestly, I would say the trip opened my eyes to manufacturing for a future career. The most exciting part of the day was having an opportunity to actually
Expansion for Stone Road Mall
touch a machine and move it. I loved seeing what machines can do!” Transportation Specialist High Skills Major student Ryan Butt, commented that the tour changed his perception of working in manufacturing and equated the “organization and cleanliness of the facilities to a safe working environment.” Grade 10 student Jorren Igcalinos was inspired by the tour. “I really liked how robotics is able to finish off parts at the end of the line. This experience has me thinking more about pursuing a career in engineering.” With the demand for workers in the trades, and a push to encourage young women to consider an apprenticeship, the tours confirmed Monique Forbes pathway plan for a career in the trades! “This was an incredible opportunity for students to learn about manufacturing from two of Guelph’s leading manufacturers,” says Principal Tim Yawney. The event was also supported by the OYAP Program and Career Education Council. Tours and hands-on workshops provide students with an opportunity to a myriad of postsecondary employment possibilities. If you would like to open the doors of your manufacturing plant to high school students, call your local school board or the Workforce Planning Board.
Educating for Life High school students of all faiths welcome.
Stone Road Mall and Primaris Management Inc. are pleased to announce that they have broken ground for the expansion of the southwest section of the shopping centre. The project will include a 43,000 square foot development, which will accommodate new and expanding tenants. The project will further enhance an already strong tenant mix, at an approximate value of $24 million dollars. The construction will be
completed in two phases, and will span over a period of approximately 18 months. “We are pleased to be working with Bird Construction Inc. and Pellow + Associates Architects Inc. We thank our customers and the community for their continued support throughout this exciting new development,” says Tony Stapley, General Manager for Stone Road Mall, Primaris Management Inc. Stone Road Mall presented a cheque for $9,000 to the Guelph General Hospital, the funds were raised at their annual Charity Golf Tournament for Paediatrics. Pictured left to right are: Suzanne Bone, President & CEO Foundation of Guelph General Hospital; Tony Stapley, General Manager Stone Road Mall; Shannon Mayer, Director, Maternal, Newborn and Paediatric Services; Linda Craig, Senior Development Officer, The Foundation of Guelph General Hospital; and Christina Magee, Marketing Manager Stone Road Mall. (supplied photo)
The duty to accommodate: a key consideration for employers The Ontario Human Rights Code imposes obligations on employers which impact all aspects of the employment relationship from hiring to firing. One obligation of an employer that often arises in the workplace is the duty to accommodate. This can arise in such situations as a workplace injury or where an employee seeks a modified work schedule based on family needs. An employer is required to accommodate an employee to the point of undue hardship. Where an employer fails to accommodate an employee, it can be held liable for breach of the Human Rights Code. The duty to accommodate has two components. The first is procedural and requires an employer to facilitate the accommodation process through assessing the accommodation request and providing the accommodation in a good faith fashion. The second is substantive and requires an employer to ensure that it offers appropriate accommodation to the point of undue hardship. The Human Rights Code does not expressly define the meaning of undue hardship. However, the term has been interpreted as imposing a high burden on an employer. Under the Human Rights Code, the relevant factors to take into consideration in assessing undue
Local Business News–Activities & Events 519-824-1595 Mike Baker, Publisher venture@golden.net
hardship are financial costs, outside sources of funding, and health and safety. The duty must be assessed on a case by case basis and there is no specific formula to predict when undue hardship is reached. There is no set period of time required for accommodation, although the duty often lasts months and potentially years. Possible forms of accommodation can include: modified shifts, reduced hours or flexible work schedules; modified duties; bundling or unbundling of duties; leaves of absences and time off; alteration of physical surroundings or work areas; providing assistive devices; and, additional training or transfers to other positions. When faced with a request for an accommodation, an employer needs to carefully assess the request to ensure it meets the procedural and substantive components of the duty to accommodate. Failure to properly address a request by an employee could constitute a violation of the Human Rights Code and lead to an award of damages by the Ontario Human Rights Tribunal. Evan Campbell, Employment and Labour Lawyer, Miller Thomson LLP. ecampbell@millerthomson.com 2015–The opinions and stories that appear in the columns of VentureGuelph.ca (formerly Business Venture) are for information purposes only. Statements and opinions within the pages of are those of the writers and do not necessarily represent those of the publisher, advertisers or Venture Guelph Publications Ltd.
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Guelph Public Library reveals new brand After months of public engagement and creative development, the Guelph Public Library recently unveiled its new brand including a logo, tagline and colour palette. The new look presents the library as an energetic, almost kinetic assembly: a coming together of Wayne Pitman Ford and Sign Art have already teamed up with the Guelph Police Service to ensure the ideas, people and opportunities. Its vibrant and Games get rolling in style. Watch for the ‘Special O’ car and have a chat with Games Manager Cst. bold shapes and colours suggest a process of disChris Probst. Pictured left to right: Wayne Bricknell, Wayne Pittman Ford; Detective Cst. Chris Probst, covery, from traditional resources such as books to Games Manager; Paul Turner, Athlete Coordinator; JD Kus, Athlete; Colleen Craig, Owner, Sign Art; all sorts of additional values – either literal Deputy Chief, Paul Martin and Guelph Police Chief, Jeff DeRuyter. (supplied photo) resources or ideas. The tagline–Explore . Connect . Thrive– Sponsors wanted: communicates an experience, a promise of all the library can be for its members. It invites the community to make use of the library’s resources as a Wondering what you’ll do after the World Series? hub for people to share their ideas as well as to Sponsorships can be tailored to meet specific Can’t wait for Rio 2016? Guelph’s got your sports business objectives and can include in-kind prod- connect with the outside world using the library’s action and your source of inspiration covered and ucts or services. So whether your focus is the ath- technology. The new tagline reinforces the library’s you can be a part of it. commitment to provide the resources, services letes, their families, local volunteers or visiting From May 26-28, 2016, Guelph will host Special VIPs, organisers are eager to explore your vision and leadership to help the community remain Olympics Ontario 2016 Provincial Spring Games. for contributing to the success of the Games. prosperous, resilient, and strong. With more than 900 athletes and coaches from “Change is constant and it’s important for us to Beyond sponsorships, there are many ways for across the province and 600 local volunteers, they businesses to be involved.“Some companies want evolve as the needs of our community evolve and will be the largest spring games in Special as other libraries are evolving,” says Guelph Public to hold their own fundraiser to benefit the Olympics Ontario history. Library CEO, Steve Kraft.“Our ‘business’ today is Games,” says O’Rourke.“Some may want to The three-day event features six sports: basketenhance engagement by volunteering or attending about so much more than books, and our ball, swimming, power lifting, rhythmic gymnas- events together. Others can help by raising aware- former logo no longer reflects the current vision tics, 5-pin and 10-pin bowling and are a testament ness of the games in their internal communicaof what the library is and can continue to be for to wellness and inclusion for everyone. From the our community. It was developed with care and tions, with customers or on outdoor signage.” athlete’s village at the university to opening affection by library staff and served the organizaTo find out more on how your company can ceremonies at the Sleeman Centre, Guelph is tion very well for more than 20 years. In the world #Believe&Achieve during #Guelph2016 Games rolling out the red carpet and the whole province visit www.SpecialOlympics2016Games.com or of branding, it’s a great accomplishment to sustain will be watching. contact dominiqueo@specialolympicsontario.com. a logo and brand for that long without change.” Led by the Guelph Police Service, in partnership with the City, the University and a growing numVintage Fête • Thursday November 19, 2015 ber of local organizations, the Games require sig7 pm at the River Run Centre nificant corporate and community support. “We’re looking for corporate sponsors for the Guelph Arts Council’s 40th Anniversary Games themselves and for events leading up to Guelph Arts Council has been championing them, like Human Foosball at Strom’s on October Guelph’s creative community since 1975. 31, the Polar Plunge in January and Mud Run in Tickets $30 or $50 Celebrate with us at a vintage evening of wine March,” says games fundraiser, Dominique (including $20 tax receipt) & retro fun. O’Rourke.“A range of sponsorship levels and benWine/Art Pairing & Tasting; Silent Auction. efits are available from a partner level at $25,000 to For tickets visit riverrun.ca or Special Guests: Mayor Cam Guthrie; bronze at $2,500. The Adopt an athlete program at call 519-763-3000 Royal City Ukelele Ensemble. $500 is also very accessible.”
Special Olympics Ontario 2016 Provincial Spring Games in Guelph
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Bella Serata event at GYMC The Guelph Youth Music Centre (GYMC) will be hosting its annual Bella Serata event on Saturday, November 21 at 7pm. “Bella Serata is a beautiful evening that celebrates good music, food and wine in support of the GYMC,” commented Gabriella Currie-Ziegler, Executive Director of the Guelph Youth Music Centre.“It’s also an event that wouldn’t be possible without the generosity of our sponsors and participants. I encourage anyone who is interested in good music and food to join us.” Confirmed participants include: Food and Drink • Borealis Grille & Bar • Diamond Estate Winery • Eric the Baker • Miijidaa Café & Bistro • Platters • Red Brick Café • Stonehammer Breweries • Wellington Cakes Music • Monica Chapman (jazz vocals) • Ken Gee (piano) • James Gordon (vocals/piano) • Guelph Youth Singers
• Ben Jokela (piano) • Jerzy Kaplanek (violin) • Paul Pulford (cello) • Mariette Stephenson (guitar) • Suzuki String School of Guelph • Kelly Williamson (flute)
Sponsors include the Ontario Trillium Foundation, Guelph Tribune, Guelph Mercury, CJOY, Magic 106.1, Guelph Solar and Studio Locale. For tickets call 519-837-1119 or visit www.gymc.ca.
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DorĂŠ.“This new location is more accessible, and we are able to design the layout to better suit the needs of both patients and staff. It also backs onto a small green space, and has a lot of windows that offer much more natural light.â€? The new space has been completely renovated, with an energy After 20 years at the current location, South City Physiotherapy is efficient HVAC system, dimmable LED lighting throughout, and relocating from 210 Kortright Road W to 620 Scottsdale Drive, at treatment rooms that are more spacious for patient care. The the corner of Scottsdale Drive and Stone Road in the former KFC convenient location can also be accessed directly from several building. The new location will be open for business early November. Guelph Transit routes, and offers ample on-site free parking. Owner Francine DorĂŠ opened the clinic in 1990 and celebrated The staff of 25 at South City Physiotherapy includes twelve her 25th anniversary on October 1.“It was time for a facelift,â€? said physiotherapists, four massage therapists, one osteopathic manual
New location for South City Physiotherapy
practitioner, plus support staff. Two new physiotherapists will be joining the South City team this fall. Recognized as primary healthcare practitioners, Guelph’s South City Physiotherapy is one of only two clinics in the area licenced by the Ontario Ministry of Health and Long-Term Care, to provide service covered under OHIP. To be eligible for OHIP covered care, patients must be referred by their doctor, and be 65 or older, 19 or younger, or post-surgery or an overnight hospital stay. Everyone is always welcome to drop in with questions or just to check out the new clinic. Watch for details of an “Anniversary / New Location Open House� later this fall.
Guelph Y ENCORE program–making a difference for cancer survivors The ywcaENCORE program began 20 years ago in the United States and now runs throughout the world in various locations across Australia, New Zealand, Iceland, Japan, and Canada. ENCORE is an exercise program designed specifically for women who have experienced mastectomy, lumpectomy or breast reconstruction surgery at any time in their lives. The YMCA-YWCA Guelph has been running the program for nine years with great success, assisting over 100 women since it began. The eight-week session runs twice per year with a spring and fall session. Meetings are once per week on Tuesday nights from 6 to 8pm. A onehour educational session is followed by land exercises and 40-minutes of pool exercises. ENCORE is free to any woman who has had breast cancer in her life. The program is open to everyone– participants don’t have to be a member of the YMCA-YWCA. Stephanie True Allin has been a personal trainer and staff trainer at the Y for 15 years. Together with registered nurse Kim Carere, who volunteers her time, they run the program. “Due to a personal connection, the ENCORE program was something I had wanted to be involved with teaching for a long time,� said Allin. “It has turned out to be a very bonding experience. I have met the most wonderful women through
this program.� Based around floor and pool, exercises are specially designed to target areas that have been affected by breast cancer surgery. The water resistance exercises are gentle but effective. The educational component includes guest speakers from the business community who volunteer, helping the women to develop a positive attitude towards health and life. Speakers are: Lynn Roodbol, Wellness Coach; Kathy Somers, Stress Management & High Performance Clinic; Mary Haggarty, Certified Laughter Yoga Leader; Renata DeForest, Registered Massage Therapist, specializing in Manual Lymph Drainage and Bandaging; Kristin Long, Registered Physiotherapist; Dominique Schellenberg, Registered Dietitian specializing in nutrition as a post cancer treatment; Joanne Doyle, MSW, RSW, CTS, Social Worker and Certified Trauma
Specialist; plus Connie’s Pink Ribbon Boutique offers options for supplies. The onset of breast cancer is often linked to estrogen and therefore the treatment, regardless of age, includes stopping the production of estrogen – forcing the body into menopause. On top of dealing with the stress and symptoms related to the cancer treatment, women are also often dealing with early menopause and those symptoms that can include fatigue, depression, anxiety, a loss of energy, weight gain, and issues with blood pressure regulation - all of which can benefit from and be helped with exercise. “Often women don’t even know where to start,�
by Heather Grummett says Allin.“My suggestion is to start with something as basic as walking to the mailbox.� The groups at ENCORE are small with a maximum of 15 members. The classes also give an opportunity for women to share their experiences in a safe and understanding environment. “Look at it as the first step in the rest of your life,� adds Allin. The next ENCORE session begins on April 19, 2016. Women can sign-up online but must register in person. It is recommended that cancer treatment should be completed and participants require a doctor’s approval. More details at www.guelphy.org or by calling 519-824-5150.
Random Act of Kindness Day Ž November 6, 2015 Random Act of Kindness Day (RAK) is an opportunity to do something kind for someone else, to appreciate fellow citizens and for community building–it’s NOT about fundraising or giving money–just a day to
celebrate kindness. Simple acts of kindness are endless; buy someone a coffee, congratulate someone on a job well done, offer to drive someone to an appointment, rake leaves for a neighbour or visit a seniors
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centre. Over the past five years, RAK has become an amazing event that schools embrace to help communicate anti-bullying and encourage empathy through kindness amongst students. It has become a day that employers celebrate the hard work of their employees, and it has become a huge part of Student Life at The University of Guelph, and a great way to positively engage students and surprise them with kindness. Even though kindness should be part of our everyday life, it's easy to get busy and sidetracked. The hope is that Random Act of Kindness Day reminds people to bring kindness to the top of their listâ&#x20AC;&#x201C;not just today, but every day. The Guelph Community Foundation is the Guelph Headquarters for Random Act of Kindness Day. Companies, students, community groups and citizens are encouraged to print out poster templates, tips for kindness, and to find other materials available at www.guelphcf.ca/ CommunitybrInitiatives/Rando mActofKindness.aspx
OCTOBER/NOVEMBER 2015
ventureguelph.ca Guelph and Area activity & events guide
Finance Are you ready? In my last article I discussed the issue of preserving family wealth. This issue, I will outline additional considerations that should be addressed in order to enhance the protection of family wealth and at the same time allow for a seamless transition of assets from one generation to the next. The purpose of this review is to provide a general checklist of considerations that warrant attention in order to assist those who are left behind and to ensure your assets are dealt with in the manner you intend. Individual circumstances will vary but hopefully the points covered will provoke both thought and action. The fact of the matter is obviouswe all must face our mortality…are you prepared? Your will • Hopefully you already have one - if not do so immediately. If so, is it up to date? Changes occur over the years – marriages, divorces, births and deaths in your family could impact an old will. Also changes in law as it relates to estates may require updating your will.
Business and Personal
• Does your executor have the expertise to administer your will and does he\she have the time to serve in that capacity? As well it is important to discuss the contents of the will with the executor while you are alive and inform him where the true copy of the will is located. Investments • It is important to maintain a list of all bank accounts, investments, pensions and other personal assets of value. This inventory should be provided to the executor and updated periodically. • Ensure that beneficiary designations are current on life insurance policies, RRSP and RRIF accounts and other investments. • It may be beneficial to consider transferring certain assets to intended beneficiaries prior to passing, as there may be both Tax advantages and administrative benefits in doing so. Consult with your professional advisors in this regard. • One should have a competent power of attorney for finances in place in the event that you are unable to
manage your own affairs due to sickness or injury. Other • Consider the impact of long-term care on your financial resources this cost could be substantial if one requires 24\7 care. Many insurers now provide insurance coverage for this care. • Discuss final arrangements with both your family and executor. It may be prudent to pre-arrange and or prepay some of these costs. There are many other points that can be discussed and everyone’s situation will vary. The important message here is that having an estate plan will help protect your assets and ease the administration of the estate for your family.
Ontario AGRICentre 100 Stone Road West, Suite 301, Guelph Telephone: 519.822.4680 Fax: 519.822.1583 Toll-Free: 1.866.658.0092 www.millerthomson.com
Local Business News–Activities & Events
Do you have business news? Email us at:
John M. Moran BA., EPC., ICIA - Lyon Financial Services Inc. jmoran@lyonfinancial.ca or 519-766-0001.
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Comparing similar downtowns–it is apples to oranges by Marty Williams, Executive Director, Downtown Guelph Business Association They say you can’t compare apples with oranges. If you want a fair and reasonable outcome, one that tells you something true, you need to find enough of what’s the same before you can point out what’s different. Apples and oranges are both fruits, but after that their essential qualities diverge. The same applies to cities and to their downtowns. Comparisons are interesting, but are ultimately a mugs game. Too much of what makes a particular city is incomparable. A big part of what they are depends on their specific location (including natural features and proximity to other cities) and their unique economic and social history. I comparison shop what we’ve got relative to other downtowns all the time. My family is so used to me wandering around any new town we visit on vacation that it’s become a bit of a joke, a busman’s holiday. But I just can’t help myself. What have they got that we can learn from? What makes this place cool or interesting or dynamic (or the opposite of all those things)? I have pangs of jealousy, at times, but I have also felt a bit smug. Both emotions are genuine, but upon reflection I always come back to “you really can’t compare.” What works or doesn’t work, what’s missing or what you find in abundance–and wish you had more of at home–doesn’t always translate. The shape, the history, and the location of the downtown within the city (is it in the center or is it to one side; is it surrounded by prosperous neighbourhoods or devalued industrial lands) all have an impact. For instance, I think Downtown Kingston is great. It has lots of positive developments, a dynamic cultural and entertainment scene, and lots of national brand retail (a good indication of economic health; those stores don’t stay where the people don’t shop). It also has a lake, lots of historic attractions, a college and a university close to the core, and is far enough away from Toronto, Montreal and Ottawa to make it a regional centre. So can we compare Downtown Kingston to Downtown Guelph? Yes, but not fairly. Even though we are cities of similar size, there are too many differences to simply say that we should be all of what they
are. (And we will never have a marina, on a Great Lake, at the start of a canal system that attracts thousands of visitors.) Nor is it fair to compare us with Downtown Brantford, which has struggled and is now remaking itself through partnerships with Post-Secondary Institutions (including a $58.4 million Laurier-Brantford YMCA complex). There are a lot of good things happening there, but as far as shopping and dining, services and employment we are miles ahead. We might learn a thing or two from any number of cities with historic cores and populations about the same as ours. We might want to emulate some of the good things they’ve done and learn from mistakes they have made–but that’s about as far as it goes. There is no useful template that we can borrow from another city; we have to figure out what works in Downtown Guelph and build (in every sense) on that. We need partnerships, investments, and insights that reflect where we’ve been, who we are, and where we need to go. At the end of all this positive change, with more people living and working and learning and playing here we will still be unique.
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Pre-arranging one's own funeral is now widely practiced across Canada. Gilbert MacIntyre & Son have been helping individuals and families with funeral prearrangements for almost 80 years. If you would like to make an appointment to discuss prearrangements, please contact us. Or, if you like, you can prearrange your funeral online. You will be asked the same basic questions you would in a one-on-one prearrangement meeting; but within the "comfort" of your own lifestyle. Our experience in dealing with prearranging funerals has lead to the development of the GILBERT MACINTYRE & SON TRUST PLAN for those who wish to pre-pay their funeral expenses.
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Representing three generations of funeral service - Established in 1933
75 Years–2008
The GILBERT MACINTYRE & SON TRUST PLAN retains all the advantages of the pre-arranged funeral, but goes further with respect to the financial advantages. · The GILBERT MACINTYRE & SON TRUST PLAN is hedge against inflation. The cost of the funeral will never increase, no matter how long it is before the funeral services are required. · Pre-payment reduces the financial demands on the survivors. Costs will be paid out of income now, rather than from much needed funds of the estate. · Like a paid-up life insurance policy, this plan is of immediate and far-reaching benefit to survivors.
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The GILBERT MACINTYRE & SON TRUST PLAN is designed to comply with all regulations under the Funeral Services Act of Ontario and is fully insured.
Preplanning
New development York + Victoria Crossing (Guelph’s East-end) The first commercial condominium development in Guelph in quite some time is getting ready to break ground. The development will be strategically located on York Road (Highway 7), just east of Victoria Road, bordering on the future “Guelph Innovation District”. The eastern portion of Guelph has undergone substantial residential growth over the last few years, and is currently underserviced in terms of just about every kind of amenity. Phase one of the project will consist of freestanding and multiunit buildings, with on-site parking for approximately 213 cars. Provisions are also in place for one of the buildings to allow for a drive-thru, if so desired. Units are available for purchase or lease, starting from 1,126 square feet. This will be the first commercial condominium project in Guelph in quite a number of years. Condominium developments in Guelph have occurred for the industrial sector and have performed quite well. With today’s low interest rate environment, more businesses are looking to acquire their own real estate, as opposed to leasing. Investors are also looking favourably on real estate, again, due to low interest rates, and a lack of alternative quality investment products. York + Victoria Crossing will appeal to a wide variety of businesses, including restaurants, medical-related facilities, offices, financial services, etc. With its central location, along a high-traffic corridor, and in close proximity to downtown and the University of Guelph, the possibilities
(artist rendering, supplied) are quite broad. Sales and leasing of York + Victoria Crossing are being handled by NAI Park Capital, a Guelph-based, full-service commercial real estate firm, serving southwestern Ontario. As the area’s representative of NAI Global, the single largest, most powerful global network of owner-operated commercial real estate brokerage firms, NAI Park Capital can deliver market-leading services locally and combine the network’s in-market strengths to form a powerful bond of insights and execution for clients with multi-market challenges.
For further information regarding York + Victoria Crossing, please contact Broker of Record Michael Merker or Sales Representative Kalven Seilis of NAI Park Capital at 519-824-9900, or visit www.naiparkcapital.com.
Cyber coverage–do you need it for your business? When people looked at having their businesses robbed 20+ years ago, the threat was someone walking through the front door with a weapon and demanding money or stealing your products. My how times have changed! Crimes against businesses now happen, more often than not, by thieves sitting in the comfort of their own space with a computer and perhaps a cup of coffee in hand. For the most part, all of our businesses today will rely somewhat on technology. Whether it’s for advertising, actual business operations, sales, data
keeping or book keeping. It’s likely that your business has a computer and Internet access in order to operate efficiently. How do you protect your business from cyber crime? Do you do business online with third party providers? Do you have firewalls in your computer network, even with the single laptop you keep all of your business records on? Do you back up your data and keep it stored elsewhere? Are all of your employees following your protocol with respect to their computer usage in your business? These are questions that you need to consider in
Eggs and baskets: why diversify your savings
Networking matters
Your savings have a purpose. They help you work towards your goals and objectives. In order to attain your objectives you need to ensure you are making the most of your savings strategies. You know you need to save but in todays volatile and low yield investment environment you may be puzzled as to how best to invest your money. Most investment professionals agree that diversification is the most important component in helping you to reach your financial objectives while minimizing risk. But what is diversification? According to Investopedia “Diversification” is a risk management technique that mixes a wide variety of investments within a portfolio. Your investment portfolio could consist of a mix of equity, fixed income and cash. These are categories. The percentage of each category is based on a number of factors, including age and time horizon. A successful diversification strategy should also include a variety of asset classes, asset class specialists, as well as both traditional and alternative investments. A well-diversified portfolio should result in overall better performance and lower volatility. In fact The Wall Street Journal sited that by replacing 20% of a traditional portfolio (invested 60% stocks and 40% fixed income) with a broad mix of alternative investments that volatility could be reduced by as much as 10%. Diversification is arguably the most important way to mitigate risk and possibly improve overall return. Ask an investment professional how to effectively diversify your savings so that you will be successful in reaching your goals and objectives. Jayne Osborn, Definition Financial. jayneosborn@definitioninc.ca or 1-844-833-3463 ext 30.
When it comes to job searching, there is some truth in the saying “It’s not what you know, it’s who you know.” While what you know is important for a successful interview, who you know often helps you learn about job openings in the first place. This is “networking” and with at least 60% of all jobs being found this way, it is one of the most successful ways to find a job. This makes sense when you consider that 80% of job vacancies are not advertised externally. So, if networking is such a valuable job search strategy, why don’t more people use it? Often, people find the idea intimidating. However, consider this: networking is simply talking to people. You are networking when you… • visit with friends and family members, • talk to your neighbours, • attend meetings and conferences, and • connect with friends and former colleagues on social media. When you talk to people in your network, let them know that you are looking for a job, what you are looking for and find out who they know who can help you with your job search. The more people you speak to, the more likely you are to be successful. Perhaps your neighbors’ brother works in human resources at the company you would love to work for, or maybe your hair stylist is married to someone in your field that has some job leads. Every person you talk to may be the lead you are looking for so make sure you represent yourself well. To get started, make a list of all the people you can contact. List as many people as you can; you don’t need to know them well, you just need to be able to start a conversation with them. October/November 2015 ISSUE
reviewing your risk of cyber crimes. You can choose to implement procedures to minimize your risk of a cyber crime, and you can look at insurance as an additional method of protection. What does insurance involve if you were to purchase it? These are all questions you need to be asking yourself and your insurance broker. Tracey Holloway is a Sales Representative for Sutherland Insurance. www.sutherlandinsurance.com or call 519-822-0160.
Then, contact each person. People are usually quite happy to help when they can so don’t worry about “bothering” them. And remember, you aren’t asking them for a job. You are letting them know the type of job you are looking for, what your skills and abilities are, and you are asking if they can refer you to someone who may have a job opening or know of someone with a job opening for a person with your skills. Try to make at least one new contact each time you speak with someone, add them to your list and record any other useful information. This will help you grow your network, remind you of what you have learned and allow you to follow-up when it is appropriate. Amy Jessop, Employment Consultant at Lutherwood. www.lutherwood.ca/needajob.
Media release
Guelph Hydro receives high marks on provincial scorecard The Guelph Hydro Electric Systems Inc. 2014 Scorecard, recently released by the Ontario Energy Board, reveals that Guelph Hydro continues to be a stable and financially strong electricity distribution company and is performing extremely well against provincial targets with exceptional results achieved in reliability, telephone response times, billing accuracy, energy conservation and connecting renewable generation in the community. The Scorecard for Ontario's Electricity Distributors measures how well Ontario's electricity distributors (utilities), such as Guelph Hydro, are performing and provides consumers with a way to assess for themselves the value of the services they receive from their utility. The Scorecard includes traditional metrics for assessing a utility’s service (frequency of power outages, financial performance and cost per customer, etc.) as well as metrics that directly reflect the customer experience (telephone response times, bill accuracy, public safety, first contact resolution, etc.) In 2014, Guelph Hydro issued more than 300,000 bills to customers, with an accuracy rate of 99.89 per cent. Guelph Hydro will be shifting customers over to monthly billing starting in November 2015 and is committed to maintaining this high degree of billing accuracy despite doubling the number of bills that will be issued each year. “Guelph Hydro employees work to the highest standards of quality service every day and are always looking for ways to enhance the customer experience. We couldn’t be more pleased to see their efforts reflected in these 2014 Scorecard results. Congratulations to everyone,” said Kazi Marouf, Chief Operating Officer, Guelph Hydro Electric Systems Inc. Highlights of Guelph Hydro’s 2014 Scorecard results are outlined in the full media release at www.ventureguelph.ca. The full Guelph Hydro Electric Systems Inc. 2014 Scorecard, along with Frequently Asked Questions provided by the Ontario Energy Board is posted at www.guelphhydro.com.
Local Business News–Activities & Events
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30TH ANNUAL POOR BOY’S LUNCHEON ADVOCIS, GOLDEN TRIANGLE CHAPTER THANK YOU TO OUR MAJOR SPONSORS The Italian Canadian Club • Buns Master Bakery CJOY/Magic FM • Zehrs Guelph • Red Chevron Club Great West Life • Canada Life • Manulife Financial London Life • CLGW-ARC AUCTION & RAFFLE DONORS Caprico Hair Salon; ARC Industries; Ceramic Financial Integrity-Ron Orr; Cambridge Toyota; PIB Hall Décor; Sunset Grill; Laura Hanley; Brenda Insurance; Rona-Guelph; Fitness Over Fifty-Gail Moore; Bowen; Dream Corners B&B; Sue Ricketts; Armtec; Laura Hanley. Thank you to all the Volunteers who give their time and energy Eleanor Ross; Prime Care Pharmacy; to make this a successful day. RBC Insurance; Adriaan Demmers; THANK YOU to our MC’s and Music: Dave and Neill of CJOY/Magic FM Williams Coffee Pub; FDS Brokers; Desjardins Financial; Simply Practical Advice; Kelly Kevel Chocolate; Grow Financial; Financial Horizons; Quality Underwriting; Dennis Huff; The Co-operators;
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Legal Carol S. VandenHoek B.Sc., LL.B., LL.M. Partner Employment Law, Estate Litigation Miller Thomson LLP Ontario AgriCentre 100 Stone Road West, Suite 301 Guelph, ON N1G 5L3 Direct Line: 519.780.4632 cvandenhoek@millerthomson.com
Car Carpentry pentry & Renovations Ltd.
(519) 221-1778 eric@ericsmallcarpentry.com www.ericsmallcarpentry.com 337 Elmira Rd., Guelph Ontario N1K 1H3
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RE-DEFINE RETIREMENT 315 Paisley Road Guelph www.dressings.on.ca Develop Self Confidence Book a WARDROBE SHAPE UP! 519.836.2686 Accessories*Fashions*Tailoring*Bridal ‘CONCEPTS TO CREATIONS’
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DEFINITION F I N A N C I A L
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