Abbotsford News Thursday, January 19, 2012
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Credit union service representative enjoys variety in her job
Saving early for retirement Focus on smart habits now for long-term investment later on.
If
you’re in the Gen Y demographic, and haven’t started saving for retirement yet, the good news is you haven’t missed the boat. In fact, you might not even need to be at the dock yet. According to Harpreet Grewal, investment specialist at Envision Financial, serious retirement
savings doesn’t start until your 50s. However, before you turn back to your student loan, car payment and household bills with relief, there is a caveat. Establishing sound saving habits in your 20s and 30s is the key to a comfortable retirement. “Pay yourself first,” says Grewal. “Every payday, make sure that a certain amount gets pulled out and goes into savings, instead of simply keeping whatever is left. There is never anything left.” Emphasis is placed at this age on maintaining positive monthly cash flow. In fact, the biggest favour you can do for your retirement future, is to
make sure you don’t do too much financial damage in your 20. If you find yourself at 30 with a massive student loan, a car loan for a vehicle that is rapidly depreciating and consumer credit card debt for vacations you’ve already taken and gadgets that are obsolete, you’ll need to work hard to reverse your habits and focus on spending within your income level. Currently, nation-wide, the average person’s debt load is 1.5 times that of their annual income. Grewal says that number isn’t necessarily a negative in itself – the problem is that the ratio is continued on pg B2
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A collection of drawings and paintings inspired by walks through local forests will be on display in Thread of Line, by artist Anne O’Leary. Developing images by examining the constant changes in the lines of the trees, O’Leary has represented something that is constant and alive, says Abbotsford Arts Council assistant director Jennifer Hazel. The exhibit runs until Feb. 1, 2012 at the Kariton Gallery and Boutique, 2387 Ware Street. For more information call 604-852-9358.
Jan 19 The Vancouver Motorcycle Show roars into Abbotsford Tradex for a weekend of motorcycles, ATVs, scooters and factory representatives on hand to talk about products and services. The four-day event features freestyle stunt shows, supermoto, prize draws and all the after-market accessories you need to gear up for the summer. The show runs Jan. 19-22 at the Tradex, 1190 Cornell Street. For information on tickets and times check out www. vancouvermotorcycleshow.ca or call 604-850-1533.
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director Ken Hildebrandt says it will be a visually stunning theatre experience. Robinson Crusoe runs January 20 & 21, 26 – 28 & Feb 2 – 4 at 7:30 p.m. with additional discounted matinees on Jan 21 & 28 at 2 p.m. Tickets are $18.00 Adults; $16.00 seniors (65+) & students; $15 Groups (10 or more) and $10.00 for children 12 & under. Matinee performances are $13 General and $10.00 for children 12 & under. They can be purchased at the House of James, 2743 Emerson Street, Abbotsford or by calling 604-852-3701 or 1-800-665-8828. For complete details on this production please visit gallery7theatre.com.
Jan 26 Goya: The Disasters of War and Los Caprichos opening reception takes place at The Reach, 32388 Veterans Way, at 7 p.m.. This exhibition, organized by the National Gallery of Canada,
presents two bodies of work from one of the most important artist of the 19th century, whose social and political commentary at the time mirrors issues faced in contemporary society. The exhibition runs until March 25. For more information on this and other exhibits head to thereach.ca or call 604-864-8087.
Jan 26 Abbotsford Tradex is also the home of the Pacific Agriculture Show, running Jan. 26-28, 9 a.m. - 4:30 p.m. The show will showcase the latest and most innovative equipment and technology for the agriculture industry, featuring meetings and conferences from various sectors. Admission is $10 at the door, and more information can be found online at agricultureshow.net or by phone at 604-291-1553.
Jan 20 The stage adaptation of Daniel Defoe’s classic adventure Robinson Crusoe opens at the MEI Auditorium, 4081 Clearbrook Road. Presented by Gallery 7 Theatre and Performing Arts, artistic
CONTEST RULES: The winner will be drawn from the entries received. Employees of Black Press are not eligible. Participants must be at least 18 years of age. Judge’s decision is final.
Vancouver Motorcycle Show: Jan. 19-22 at Tradex
Saving at 30, for Retirement continued from pg B1 increasing. It is easy to spend beyond your means and procrastinate on saving, but people who focus on developing healthy habits between ages of 25-35 are then in a solid position to begin investing when the time is right. The best indication that you’ll be investment ready? Your ability to withstand financial hardship without going off course or abandoning the effort altogether. Start with ensuring your emergency fund is full. A savings of between three to six months income should be set aside in case something happens,
so that you don’t go into debt dealing with life’s surprises. Additionally, your late 20s is typically when you have started firming your career, and it is important to pay attention to what retirement products your employer offers. Ultimately, by the time you are ready to retire, unless you have a good pension plan, the bulk of your savings will have to come from you. “In 15 years of doing this, I’ve never had someone say they regretted planning for retirement too early,” laughs Grewal. So while you are working two jobs to pay for
school, your cross-continent road trip and the latest camera to capture every moment of your travels, retirement savings shouldn’t necessarily be foremost on your mind. But everyone has to take that cruise eventually, and the first person on board gets the best spot when it sails.
the average person’s debt load is 1.5 times that of their annual income.
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Abbotsford News Thursday, January 19, 2012
my yCity
fashion for all of life’s adventures
NAME> Cassie AGE> 26 STUDYING>
l semester of hology. Now in my fina yc Ps in BA ith w d te ua Grad ork program. the Bachelor of Social W
Q&A
What do you like best about UFV? I like the small class sizes and the opportunity for professors to get to know their students individually.
What’s your favourite class so far?
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Crim 105: Psychology of the Criminal Mind.
Where is the most awesome place on campus? Abbotsford campus: I like checking out the bulletin boards outside the International Education office to find out about upcoming study tours and exchange programs. Chilliwack campus: The theatre during D-Fest.
What’s your dream job after graduation? tion? Program Coordinator for the Make-A-Wish Foundation
Use three words to describe yourself: Creative, quirky, adventurous.
What tip would you give to a brand new UFV student? Sample classes in all subject areas that interest you − not just the ones you need for ion your degree. You never know the career direction that your passions and interests will lead you in in.
You co our ne uld be x for ME t UFV is stude Enter at my nt. .uf Winne r recei v.ca ves UFV h oodie! a
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Abbotsford News Thursday, January 19, 2012
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From ferreting out money laundering to … money management? Two years into her role as a service representative for Envision Financial in Abbotsford Village, Sandy Dhaliwal says she’s still having a blast. After graduating with her criminology degree from the University of the Fraser Valley, Dhaliwal says she initially approached Envision in 2009 with the goal of working in their corporate security department. Once she got her foot in the door however, she realized she enjoyed the branch side as well. “We’re a very vocal group,” she laughed. “Lots of joking around, maybe more than we’re supposed to. With the members as well, you get on a first-name basis with them and know a lot of their life events – weddings, holidays.” Dhaliwal relates that the Envision staff form long-lasting relationships with their clients, with some members staying with a representative for years. “Because we’re a credit union, working with people’s money and accounts, members get comfortable with one
person and you really get to know them.” She also says she enjoys the variety of her position, which doesn’t require a university degree, and the opportunity for growth within the company. “I’m cross-training right now to become a personal account rep, which allows me to work in a supervisor role and with new accounts.” She currently divides her days between the two roles. Her tasks involve a wide variety of banking services from processing bill payments to facilitating wire transfers, and Dhaliwal says the position is a great stepping stone into other areas within Envision, such as corporate citizenship, which involves more volunteering within the community, and credit recovery at the head office level. In addition to her work with the credit union, Dhaliwal also volunteers at National Training Centre, teaching kickboxing to children aged six to 12.
Kelsey KLASSEN Contributor
PHOTO BY Kelsey KLASSEN,
A criminology graduate gets into the BUSINESS SIDE OF BANKING
Sandy Dhaliwal has been enjoying her job with Envision for the past two years
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Abbotsford News Thursday, January 19, 2012
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Health
Qs & As with a Denture Specialist
Denturists are denture specialists; they specialize in the manufacturing of denture prosthetics. The word Denturist means: “A person licensed to fabricate and fit dentures to the public.” The scope of practice for this profession covers relining, rebasing, repairing, full and partial dentures, dentures over implants and partials over implants. You do not need a referral from another health professional to consult with a Denturist. A Denturist can refer you to other health care professionals. Some Denturists also attend to patients needs in home care situations or hospital visits. Denturists are proficient and time effective in the delivery of denture treatments. Most Denturists fabricate your prosthetics on premises, ensuring quality control and care. If your current dentures are five years or older they may need replacing. Ask your Denturist for an assessment of your current dentures. Quality replacement dentures can improve your health and appearance.
FREQUENTLY ASKED QUESTIONS How long will my dentures last? There is not a removable prosthesis made for the mouth that is permanent. The mouth is constantly changing. On average a partial or a denture may be expected to last about 5 years.
Why are my dentures becoming loose? If your dentures are over 5 years old and if they have not been relined every 2 years you probably will have some problems with the fit of your dentures. Your gum tissue and jaw bone shrink with time. This causes the denture to become loose resulting in a poor fit. A visit to your denturist for an oral health examination will determine the cause of your ill-fitting dentures.
How long will the implants for my (dentures over implants) last? Reports show many implants lasting 20 years or a life time with proper care and regular yearly check ups at your dental professional. These are the factors which could reduce the life expectancy of your implants:
Some parts of the implants may need replacing with time because of wear or deterioration. The dentures themselves should be replaced every 5 years and a relined every 2 years.
The successful use of your dentures depends on you and the effort you put forth to master them. To learn to eat with your new teeth will take PRACTICE,PATIENCE and DETERMINATION.
Why is there such a wide range in the cost of a denture?
Start with SOFT foods CUTTING everything into small pieces rather than trying to bite with your front teeth as this will dislodge the denture.
Cost = Quality A quality, well fitting, and natural looking denture takes time to make and costs more.
I had immediate dentures made a week ago. I seem to be having some difficulties getting use to my new dentures. Is this normal? Learning to chew satisfactorily with new dentures takes 6-8 WEEKS.
» your general health » oral hygiene
The tongue, cheek, and lip muscles must be TRAINED to keep the dentures in place during chewing and speaking.
» smoking » grinding your teeth
THICKNESS in your speech and perhaps a LISP are also common symptoms which will usually correct itself in a short period of time. SORE spots may also develop and these can be easily relieved by your denturist.
Hundreds of thousands of people wear dentures with ease and in time you too will feel comfortable, secure and successful in wearing your dentures.
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Secrets to Whiter Wedding Day Smiles Although tradition states that no one else should wear white to awedding but the bride, the rule strictly applies to a person’s wardrobe, not his or her teeth. With this in mind, the search is often on to get a whiter smile in time for the trip down the aisle. Many brides- and grooms-to-be desire whiter teeth for theirwedding days, as do members of their bridal party. With all eyes on them, having white teeth can help couples feel more confident and attractive. A nice smile also translates well into weddingphotos -- memories that will last a lifetime. Today there are several different options when it comes to teeth whitening. There are stain precautions to follow leading up until the wedding. Also, there are methods to removing stains and polishing teeth so they can look their best.
Natural Home Remedies If stains are minimal and you just want to give teeth a boost in brightness, there are at-home, natural remedies that can help foster whiter teeth. Baking soda is often the go-to choice for removing stains and improving oral health. Peroxide can lighten hair, and it can also whiten teeth. Combining the two into a paste that is applied to the teeth can help whiten the teeth some,
but be careful not to do it too frequently as it can cause sensitivity. There is also evidence that malic acid, the acid that is found in strawberries and other tart foods, can help whiten teeth. Mixing crushed strawberries with baking soda and applying to teeth can remove some surface stains, according to Adina Carrel, a dentist in New York City. Preventing stains in the first place is key. Avoid foods and beverages that stain the teeth, including coffee, tea, red wine, cherries, and other deep-hued foods.
teeth for several minutes each day. Trays or guards may be filled with bleach and then worn on the teeth for up to 30 minutes.
Over-the-Counter Options
Keep in mind that those who have a lot of dental work, including crowns and veneers, may find that whitening doesn’t work on these artifical teeth. They may stand out against the whiter, natural teeth. In this case, consult a dentist for whitening options.
If natural remedies aren’t effective, individuals can turn to many of the products available at the pharmacy or even the supermarket. There are several different brands of whitening products that range from pastes to strips to trays that boast myriad whitening properties. These tooth-whitening products may contain a mild bleach, such as peroxide, to lighten yellow teeth. Some pastes contain chemicals and abrasives to wear away stains. While bleaches will change the color of teeth, abrasives will only strip away stains. Kits may range from gels that are brushed onto individual teeth, to preloaded thin strips that are applied to the
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The gums and other areas of the mouth may be protected from the gel, which can cause sensitivity. A laser light is used to activate the bleaching agents in the gel. Generally the procedure is 60 to 90 minutes for whitening to take place. A fluoride treatment may be applied afterward to minimize sensitivity from the bleach. People with gum disease, broken and damaged teeth or restorations, exposed roots, incomplete dental work, and/or hypersensitivity in general are advised to talk to a dentist before beginning any whitening procedure. Not addressing these conditions first may put a person at risk for additional damage and serious side effects. Whitening is one of the many grooming procedures couples undergo to look their best on their wedding day. Now it’s more affordable than ever to get a brilliant, white smile.
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Abbotsford News Thursday, January 19, 2012
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Clear sound from TV, stereo and phone directly into the hearing aid
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For the first time ever, hearing aids and accessories are combined to create a Personal Wireless Network. Sound is transmitted from the TV, cell phones and other devices, directly to your hearing aids. You can watch TV and converse with others comfortably at the same time. It’s a whole new level of freedom, discretion and clarity. Freedom: Clear sound transmitted directly to the hearing aids. Discretion: No conspicuous devices to wear around your neck. Clarity: It’s like standing right next to the audio source.
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YOUR
destination
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VIKKI HOPES | STYLE EDITOR
W
edding season is just around the corner, and now is the prime time to plan one of the most important components – the wedding gown. Destination weddings are more popular than ever, creating the perfect backdrop for the bride to step beyond the traditional. Many such weddings take place in tropical climates where a luxurious princess-style gown or fitted mermaid dress can’t take the heat. A flowing strapless dress with a slit up the front is the perfect answer – sexy, but sophisticated at the same time.
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After the celebration, it’s time for the couple to enjoy their vacation. The bride’s wardrobe calls for easy-travelling bold and playful pieces that can easily co-ordinate with one another and suit all occasions – from a day of playing tourist to a romantic dinner for two. Whatever your destination of choice, you can get there in style!
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Abbotsford News Thursday, January 19, 2012
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Wedding colours & your bridesmaids Bridesmaids are an important part of the wedding party, and most brides opt to have a handful of close friends and family members play a special role in the wedding. Choosing a gown and a color that will flatter all of the bridesmaids typically takes a little work. An overwhelming majority of couples choose to have a formal wedding. The average number of bridesmaids for these formal weddings is four. Considering around two million weddings take place in North America every year, that’s a lot of bridesmaids for whom gowns and other attire must be planned. Many bridesmaids worry about the gowns they will wear come the big day. Horrible bridesmaid dresses have been the butt of jokes for years, and many people have their own stories of garish gowns they’ve been asked to don for a wedding. Some have said that brides intentionally choose ugly gowns for their bridesmaids to ensure they’re not outshined come the wedding day. Although this may be the case for some, most brides aspire to select gowns that will be flattering for all. And color scheme is integral in the choice of gown.
Every well-planned wedding carries a color scheme throughout. This includes the color a bride selects for her bridesmaids to wear. But not every color accentuates everyone’s features. Therefore, some experimentation might be necessary to find a color that is flattering to all and fits with the color scheme. Depending on hair color and skin shade, there are many flattering hues available for gowns. When making this decision, consider bridesmaids’ ethnicity and skin tone. African-American:Women with dark skin and hair may really shine in jewel-colored gowns, including silver, gold, purple and salmon. Very pale colors may be daring and conspicuous. Asian and olive-skinned women: Those with a slight yellow tone to their skin will look good in many colors, including red, navy, peach, and fuchsia. However, avoid colors in light yellow, aqua, gray, taupe, or mint, which may make the bridesmaid look washed out. Con’t page 28.
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Abbotsford News Thursday, January 19, 2012
my yCity Fair skin:Ladies with pale skin will benefit from richly colored gowns in jewel tones. Pastels may work, but be careful about those depending on hair color. Pink or red-hued gowns may clash with someone with auburn hair. Yellow and green may not work with a fair brunette. Gray and silver may wash out someone who is pale and blonde. Once a color is chosen, brides also need to consider the season. Certain colors may look out of place depending on the season. For example, an evergreen or deep blue may seem wintry during a summer wedding. Similarly, russet or brown may work for the autumn but not for a spring wedding. Many brides gravitate toward mid-level blues, greens, pinks and purples for their weddings, simply because those colors transcend the seasons. After colors are worked out, the style of the gown deserves consideration. Because not every bridesmaid has the same physical attributes, many brides are now open to selecting a color and length and allowing the bridesmaid herself to choose the exact style. This way someone who is busty won’t feel uncomfortable in strapless, and someone who is thin won’t be overwhelmed by a lot of ruffles. The intent is to have bridesmaids feel beautiful and comfortable, and different styles can help achieve this. Making the effort to choose a gown color and style that is flattering to all in the bridal party will help the ladies feel they are truly a special part of the wedding.
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Abbotsford News Thursday, January 19, 2012
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Dog-proof your hardwood floors
Pet parents may resign themselves to the fact that hardwood floors aren’t practical. But that doesn’t have to be the case. It’s possible to have and maintain hardwood floors and still enable pooches to enjoy rooms with wood floors. * Keep dogs’ nails trimmed short so that they do not scratch or scuff wood floors. * Dogs that tend to grow long fur between the pads of their feet may need to have that fur trimmed as short as possible. This will help improve the traction the dog will have when walking on the wood floors. * If dog bowls are kept on the floor, use a mat that will protect against spills, drips and slobber. Something that will not allow moisture to bleed through onto the floor is ideal, as is a mat that will contain spills.
dog comes inside from the yard so that dirt won’t mar or ruin the floors. * Choose distressed-looking floors, so if scratches resulting from dogs’ nails do occur, it will blend in with the flooring and not stick out like a sore thumb. * Ask to have a thick layer of clearcoating applied to the floors to further protect them. * Do not encourage doggie horseplay on the wood floors, even if it is humorous watching the pooch slide around and try to get footing. * Consider a floor wax product to improve a dogs’ traction on the floors and reduce their propensity to claw-in to get a good grip.
* Place runners in high-traffic areas so that the dogs have an easier time of walking from room to room. * Clean the bottom of paws when the
Put your foot down!
REFUSE TO PAY THE TAX! *
*Retail customers only. Some restrictions apply. See store for details.
Now until March 9, 2012
HGTV HOME Flooring by Shaw is all about making your floors HGTV fabulous.
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Abbotsford News Thursday, January 19, 2012
my yCity y
Put these home improvements on your 2012 calendar With the deepfreeze factor at its annual high, the potential benefits of making energy saving improvements really hit home. Yet saving energy and money and adding comfort to your home should always be in season. Industry experts at Icynene (icynene. com) recommend you put these home improvement tips on your 2012 calendar:
infiltrate. You can start saving up to 50 percent in energy costs all year long. • Is your air conditioner old or on its last legs? Before things heat up, consider investing in an energy efficient Energy Star-rated unit. Consult an expert to ensure the size of the unit is properly matched to the needs of your home.
Summer
Winter
• Add window coverings to block sunlight during the day, so your air conditioner doesn’t have to work as hard.
• Install affordable plastic windowsealing kits, especially where you feel drafts. • Install foam gaskets behind electrical outlets and switches to reduce air leakage.
• Replace inefficient incandescent lighting with more efficient compact fluorescent or LED lighting that also produce less heat.
• Close the fireplace damper tightly when it’s not in use. If you use your fireplace regularly, consider adding a well-designed insert.
• Check your hot water tank. If it’s warm to the touch, it might need some extra insulation. Check your home improvement store for inexpensive pre-cut tank jackets or blankets.
• Replace or clean furnace filters at least once every three months.
Spring • Consider larger home improvements, like replacing windows that are best completed when the weather is nice. Consider adding spray foam insulation (like innovative Icynene) to your attic or in other areas of your home where the summer heat can
Fall • Check insulation levels where you can, like the attic or the floor of a room over the garage. If you didn’t get to it in the spring, install spray foam insulation to seal around openings and penetrations that let air flow in
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and out of your home. • Use caulking, sealant and weatherstripping to create a barrier against air and water around doorframes, windows and baseboards. Choose the right caulking for the surface.
Now is a great time to plan for even small seasonal improvements that can save you energy and money and add comfort to your home.
• Insulate your hot water pipes to reduce heat loss. It may enable you to reduce the temperature setting on your hot water tank.
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my yCity
Chile invades Vancouver:
Fraser Valley benefits from good value, full flavour with Kathleen Rake “The Chileans are coming,” is the call of this year’s Vancouver Playhouse International Wine Festival (see website www.playhousewinefest.com) running Feb. 27 – Mar. 4 at the Vancouver Convention Centre West. And this means a spotlight on some valuepacked, flavour-filled wines. Many of the 30-plus Chilean wineries featured at the VPIWF have product available at our Fraser Valley liquor stores.
blend ($19.99/14% ABV) promises to please. I’ve not tried this one yet, but it’s been recommended to me and I’m really looking forward to giving it a go. I’m told this wine shares aromas of black fruit, smoke, chocolate and dark-roast coffee, with hints of vanilla and butterscotch; on the palate, this is a soft, lush wine whose flavours mirror its aromas.
For $12.99 you can sip on a Cono Sur Pinot Noir that is simply flavourful and priced to please a crowd. Pay roughly $2 more and you can sip a certified organic Cono Sur Pinot Noir ($14.99/14% ABV) that is fruity, spicy and earthy on both the nose and palate. This wine will work well with all sorts of foods. I’ve had it with a pre-made chicken pot pie I picked up from the big box store on my way home and my slow-cooker beef Stroganoff—happy endings each time. Give it a try with the salmon you marinate and grill for Sunday’s supper.
The producers recommend you decant this wine for at least 30 minutes before you drink it. Decanting will allow the wine to soften and open so you get the full benefit of all the delicious flavours and aromas. I decant most of my red wines for this very
reason. If you don’t have a decanter, a water jug will work. Or, just pour the wines into the individual glasses about 15 – 20 minutes ahead of sit-down time.
Visit BetweenTheVines.ca for more wine-soaked musings by Kathleen Rake.
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If you’re looking for a wine we might call a little more skookum, the Montes Cabernet Sauvignon – Carménère
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TUESDAY
WEDNESDAY
THURSDAY
SCHNITZEL NIGHT Any Schnitzel from the menu
LASAGNA NIGHT meat or vegetarian
STEAK & PRAWN NIGHT
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GREEK NIGHT Buy any Greek Specialty and get the 2nd of equal or lesser value at
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PRIME RIB NIGHT Ocean Park is famous for the best prime rib in town!
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OCEAN PARK PIZZA & STEAK HOUSE 604.859.2924 • 102-2596 McMillan Road www.oceanparkpizzaabbotsford.com OPEN FOR DINNER 7 DAYS A WEEK: Tues-Thur, 4pm-11pm Fri & Sat, 4pm-12am • Sun, Mon & Holidays, 4pm-10pm
UNIT 5 - 34150 SOUTH FRASER WAY
604.853.PLAY (7592)