Streetsville Village Times 1015

STREETSVILLE

VILLAGE TIMES

Putting Streetsville First!

Volume 10 • Issue 04 • October / November 2015

www.villageofstreetsville.com

I N THI S I S S UE Small Business Month 04 Ringz ‘N’ Thingz

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Live cheap, die young

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Christmas in the Village 11

Get Ready for Halloween in the Village

Community Corner

12

Ward 11 update

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Scholarship Awarded

14

Family Fables

15

Doors Open

16

Half Million Trees

17

Music Walk of Fame

18

Holly’s Tips

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Brubacher Blog

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Put your money

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Value for Money

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OFFICIAL NEWSPAPER

It will be a Ghoulishly Good Time! By Lindsay Howe Fall has finally arrived and it is time to start gearing up for all of the Halloween festivities that are coming to the village. Brace yourselves for Spooktacular, Zombie Community Ride and the Pumpkin Parade that will be rolling into town in a couple weeks!

Zombie Community Ride On Saturday, October 24th at 1:00 p.m. there will be a Zombie Community Bike Ride, touring the Village of Streetsville, courtesy of Toronto Pearson Airport. The bike ride commences at Streetsville Cemetery, located at 299 Queen Street South. A brief special presentation will take place, where Matthew Wilkinson from Heritage Mississauga will discuss the local history of our village, wrapping up just in time for departure at 1:30 p.m. The Kids’ Ride is a 5 km route around the village, which concludes at Vic Johnston Community Centre, so children can attend Spooktacular happening from 2:00 p.m.-4:00 p.m. Meanwhile, parents can continue on their bike route to complete the full 15 km. Free Ice cream will be provided to riders with bike helmets after the 15 km ride at Murphy’s Ice Cream Parlour in our Village Square.

Please note: ALL riders participating are required to wear a bicycle helmet! Young children (ages 6 and under) may participate in the ride if they are attached to a parent or guardian’s bicycle. Children 7+ can ride on their own if the parent feels they are capable. Minors (17 years of age and under) must be accompanied by a parent or guardian, or else have online permission by their parent or guardian. All riders must be registered, including infants. Two hours notice will be given for cancellations due to weather.

Should a cancellation occur, an email will be sent to all registered riders, you can also check for updates on the Continued on page 06 website at www.mississaugacycling.ca/rides/zombie/

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Open House Dates

Every Tuesday between 9:30 AM and 11:30 AM Saturday, October 24th, 2015 1 PM to 5 PM

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October – A salute to small businesses It is a little known fact that October is small business month in Ontario. The Canadian government defines small businesses as companies with fewer than 100 employees (or 50 employees for a company in a service industry).

Streetsville’s Community Newspaper

There are 2.4 million small businesses in Canada and 873,000 small businesses in Ontario. Small businesses with fewer than 100 employees contribute about 30 percent to Canada’s gross domestic product and two-thirds of Canadian employees work for small businesses.

Volume 10 | Issue 04 Bi-monthly Publication ~ Circulation 25,000 Delivered by Canada Post

Streetsville Village Times

Small businesses in Canada lead the way in employment and growth in this unstable economy across Canada. They lead the way in new job creation.

These businesses work hard to earn an income and provide for their employees and families. Small business face daily challenges and situations that help make them leaner and more efficient. Small business owners must react quickly to changing markets and provide exceptional service to their clientele. The Village of Streetsville is comprised of over 300 small businesses and these businesses employ many employees and are a contributing strongly to the local and Canadian economy.

I encourage local residents to shop in the Village of Streetsville and show your support to small businesses. Together, small businesses are bigger than you think!

If you would like your small business profiled in the Streetsville Village Times, please contact Toby Gardiner at the email address below.

Toby Gardiner | Publisher

For advertising information, please contact Toby Gardiner toby@rjentertainmentpublishing.com Editorial Contributors Lindsay Howe • Albert Peres The Streetsville Business Improvement Association 280 Queen Street South Streetsville, ON L5M 1K8 Tel: 905-858-5974 ~ Fax: 905-858-2366 info@villageofstreetsville.com www.villageofstreetsville.com

Graphic Design:

toby@rjentertainmentpublishing.com

Follow us on Twitter @RJentpub and like us on Facebook @RJEntertainmentPublishing.

Read all our publications on-line @ www.rjentpub.com The Streetsville Village Times is printed on 100% recycled fibre. Please recycle.

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Halloween in the Village continued from front cover

FALL 2015 Custom Tailored Collection

Spooktacular Spooktacular is back for its 9th annual Halloween funfest at Vic Johnston Community Centre. This festive event takes place on Saturday, October 24th from 2:00 p.m. to 4:00 p.m., located in the Banquet Hall of VJCC. This child-centered event features an array of fun activities that are sure to put your kids in the Halloween spirit!

Children can participate in special crafts, face painting, story time, balloon animals, music time and much more! Various craft stations will be set up, giving your child the opportunity to explore their creativity. Children can participate in art experiences from making spooky play-dough sculptures, to painting and colouring, to jewelry making and much more! Children love to gather around the Mississauga Library station to listen to captivating Halloween tales. They can also participate in the singing of Halloween songs.

While children may be sad to see Spooktacular come to an end, they will be overjoyed when they receive a complimentary loot bag upon departure.

Loot bags will be distributed to the first 300 children. Loot bags are filled with yummy treats and surprises your children will love.

This Halloween event caters to younger children (ages 3-8). Dress your children up in their costumes and come out for Halloween fun in the village! While Spooktacular is a free event, the Streetsville BIA asks that families bring non-perishable food items or a cash donation for the Eden Community Food Bank.

Pumpkin Parade The fun doesn’t have to end after Halloween night! Come out for Streetsville’s 2nd annual Pumpkin Parade on Sunday, November 1st. This event takes place at Streetsville Village Square from 6:00 p.m. to 8:00 p.m. Drop off your jack-o’-lanterns in the square by 6 p.m., so that all the pumpkins can be lit up and ready to go for the parade at 7:00 p.m.

OCTOBER CUSTOM EVENT! Suits, Sportcoats, Trousers & Shirts ON sale

New this year, attendees will have all the decision making power! You will have the opportunity to select the pumpkin you feel is the most creative and original jack-o’-lantern at the parade! All the pumpkins will have a number written on the back in order for you to choose the best one and record the number on your ballot during the parade. Results will be tallied for the next day and the winner will be rewarded with a special prize.

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Immediately following the parade, pumpkins will be collected by volunteers and disposed of by the City of Mississauga. So hold onto your carved pumpkins, and bring them to Streetsville Village Square on November 1st for this free family fun event!

A special thanks to the Streetsville BIA for their dedication and support in making Halloween such a fun and interactive time in the village for families.

For more information visit www.villageofstreetsville.com. Contact the Streetsville BIA at info@villageofstreetsville.com or call 905-858-5974.

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Ringz ‘N’ Thingz Open for Business!

By: Lindsay Howe

Ringz ‘N’ Thingz opened up in the Village Square this summer.

Owner Cheryl Paget was eager to open up shop in the village, after nearly five years of running her business from her Streetsville home. Cheryl sells a range of jewelry from sterling silver, to Murano glass, to rose gold, to crystal, fresh water pearls and costume jewelry. You can discover rings, necklaces, bracelets and watches at the boutique, as well as other treasures including: crystal jewelry trinket boxes, hand embellished clothing and Barbie doll dresses. Cheryl specially handcrafts some of these unique items herself including the embellished clothing and Barbie doll dresses!

When looking at 13 Main Street as a possible space for her business, she fell in love with the potential look and colour for the boutique. The store is so bright and refreshing, perfect to hold all her precious jewelry and trinkets.

When Ringz ‘N’ Thingz opened its doors in June, business started out very busy. In the few short months the shop has been open, Cheryl has been busy developing a loyal customer base. The merchandise is so eye-catching that newcomers passing by the boutique cant help but stop in to take a look. Cheryl also has clients and friends visit her store who frequently purchased jewelry from her when she ran a store from her home.

One thing for sure is that the prices are reasonable and very affordable.

Customers are impressed with how much inventory there is in the boutique, without feeling cluttered. “My new favourite store” is a phrase Cheryl hears a lot from people coming in and out of her shop. There are items at Ringz ‘N’ Thingz to suit everyone’s tastes. Whether it is sparkling jewelry to match your wardrobe, or a unique gift for a loved one, there is something for everyone to discover in Cheryl’s boutique!

Cheryl, alongside her daughter Victoria Paget have put their all into the boutique and stand behind their products. Cheryl is committed to providing ultimate customer satisfaction. She knows her inventory very well and listens to what her customers want to be able to find that hidden gem for them in her shop. Cheryl explains, “We want to build a relationship with our customers so they enjoy the experience and want to come back. It is a great feeling when a customer falls in love with a piece of jewelry and walks out wearing it!”

Visit Ringz ‘N’ Thingz for all your jewelry and gift giving needs. Come in and discover the unique treasures this lovely boutique has to offer! Ringz ‘N’ Thingz is located at 13 Main Street (previously the Present Shop). Contact by phone at 905-567-5000.

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Live cheap, die young

Hearing Aid Demo Day Event

By Harold Johnson, CPA

“Live cheap, die young” should not be your retirement plan When we think of retirement, it is not “if” we retire, but “when” we retire.

We are all going to retire someday, one way or another.

At MBS we look to our client’s “Value Gap” when we begin reviewing the retirement process. When is the best time to plan for retirement? The day we start to work. When is the second best time to start to plan? Now! We all have a “Value Gap”. A value gap begins with what we expect we will need as far as income in retirement, and the Gap is the difference between the assets we have now and the assets we will need at retirement to generate the income that we expect to need to live as noted above.

Friday, October 16th 9am to 5pm

As you know we are big on planning. Life events happen. They happen to us all. Kids, mortgages, tuitions, health costs, vacations, job losses, marriage changes, you name it. No one is immune. But we need to balance these events as part and parcel of our life journey and maintain a goal. And we need a plan to reach our goal.

Book your FREE appointment today and enjoy the complete hearing experience: 3 Free hearing screening by a Certified Hearing Healthcare Professional 3 Free hearing aid demonstration by a Hearing Aid Manufacturer Expert 3 Free hearing consultation by a Doctor of Audiology, 30+ years experience Plus, enjoy refreshments, giveaways, and enter for your chance to win a $25 gift card!+

For many of our clients, their business is one of their most valuable assets and in most cases the asset that holds the key to the value gap. Every owner of a business should know what their exit strategy is. Every owner should understand that they will one day retire from their business. Every owner needs to know how to maximize the value of their business to be able to close that Value Gap and be able to achieve the retirement they aspire to.

You may tell us “my business is me, I cannot sell me”. True, in many situations the business is the owner and the value lies within the owner’s ability, know how or skill set. There are options here though. Either we find a way to transform the business to not be owner reliant, or, we look at the business as a long term asset and how do we maximize that asset so that it can generate more net income than the owners need to live on. We can then create a corporate structure towards a tax assisted “Nest Egg” in a holding company structure. Its complex, but this is what we do and we can do it for you.

Space is limited. Call 905.845.5541 to RSVP!

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We are focusing on Succession Planning for our business clients. Succession planning is a long process that should optimally begin at least five years before you plan to exit in reality, this timeframe shortens, but if you want to maximize the value you will get when you sell your business, hurry up.

You do not want to leave money on the table that should be part of filling in your value gap.

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You may want to transition the business to your family. Great! Did you know at least 70% of businesses transitioned to the second generation fail? And of the 30% that succeed, 90% transitioned to the third generation fail. These are not good odds.

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All is not lost, a proper succession plan will look to creating the most value for the exiting business owner and will look to create a business that will not fail in the hands of the new owners, whether family or a third party.

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If you would like to discuss the options for your business, we would be pleased to meet with you for a complimentary review of your situation and business value gap. We also have seminars on this. Contact us by telephone – 905 819-8035 or email – info@ mbsfinancialgroup.ca for more details.

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If you are a business owner, you will one day retire from your business. Talk to us and see if we can help you close your value gap and achieve the goals that you want for your retirement. Remember, in the next 10 years Canada will see the greatest transition of wealth from one business to another in our history. Let’s make sure we get our fair share of this transition.

Jerry Bennett Au.D. Doctor of Audiology

167 Queen Street South, Streetsville Call 905.845.5541 | Visit hearforlife.ca

FinancialGroup

Helping you reach your full potential

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Harold G. Johnson, CPA, CA, LPA

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+Visit our event and complete a ballot for your chance to win. No purchase necessary to enter or win. Contest closes October 16th, 2015. Odds of winning depend on number of entries received at each participating location. Rules and regulations at clinic. *Offer valid for one qualifying purchase upon presentation of this piece. Not redeemable for cash. Not valid in conjunction with any other offer. Ask for details in clinic. Expires October 31st, 2015.

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Experience a Holly Jolly Christmas in the Village

By Lindsay Howe

With all the warm weather we have been having, it is hard to picture that Christmas is just around the corner. The holidays will be here before we know it! With the Retailers Open House happening the first Thursday in November, the village boutiques are already preparing to start decorating their shops and storefronts for the holidays. There is a lot to look forward to in Streetsville this Christmas season, with our annual Tree Lighting Ceremony and Santa Claus Parade happening the last weekend of November.

their opportunity to meet Santa and share their Christmas wishes with him. Photos are taken as a keepsake for parents to capture this precious memory. Listen to the talented carolers and join in the singing of your favourite Christmas jingles. Meanwhile, keep warm with a complimentary hot chocolate for the kids and hot cider for the adults, courtesy of Second Cup. The winners of the Christmas Window Decorating Contest will be announced, revealing the top three most beautifully decorated storefront in the village. These businesses will be rewarded for their hard work, dedication and overall display of holiday spirit.

Retailers Open House: Shop the Village The annual Streetsville Retailers Open House takes place on Thursday, November 5th from 6:00 p.m. to 9:00 p.m. Community members come out each year to get their first look at Christmas in the village. All the shops will be beautifully lit up, revealing special Christmas décor and gifts.

The community especially looks forward to this occasion because it puts them in the holiday spirit early in the season. Community members are in awe when they catch their first glimpse of how breathtakingly beautiful these storefronts look from the street. It draws them into the shop to come take a closer look.

Come out to the Streetsville Tree Lighting Ceremony to experience a night of fun Christmas festivities for the whole family. Don’t forget to bring your non-perishable items and drop them off at Second Cup for Santa’s Food Drive!

Mississauga Santa Claus Parade Last, but not least, the Streetsville community will celebrate the biggest Christmas event citywide! The Mississauga Santa Claus Parade takes place on Sunday, November 29th beginning at 1:00 p.m. The Mississauga Santa Claus Parade draws around 50,000 people each year. Festive floats and parade participants will make their way down Queen Street South to Old Station Road.

The Retailer’s Open House gives businesses a deadline to have all their winter fashions and merchandise ready for the onset of the holiday season.

Meeting this launch date requires a lot of careful consideration and hard work. A significant amount of detail goes into decorating these stores and window displays, to make them spectacularly unique each year.

At the parade you can experience various talented marching bands filling the air with harmonious Christmas tunes, as well as acrobats and gymnasts performing magnificent stunts. You can also expect entertainers and popular characters parading down Queen Street, handing out special giveaways.

This is your opportunity to preview all the new, holiday merchandise available.

Some community members attend the Retailers Open House simply to do some window-shopping and get some gift giving ideas. While others are eager to get a head start on their Christmas shopping and choose from exclusive collections of Christmas decorations and precious gifts. Some boutiques are known for serving complementary food and refreshments, or offering door prizes!

The best part of all is when St. Nicholas himself hightails it down Queen Street for the grand finale. Santa Claus arrives, smiling ear to ear, as he merrily waves to the crowd, shouting Christmas greetings to all the boys and girls who have been waiting in anticipation of his arrival.

Visit your local boutiques on Thursday, November 5th and get your first look at Christmas in the village. Visit the village boutiques for your holiday shopping needs. Discover unique gems for each person on your shopping list. Shop local and experience the difference!

Come out to the Village of Streetsville for the 41st annual Mississauga Santa Claus Parade! Please note Britannia Road and Queen Street will be closed and parking is limited, so plan on carpooling, walking or taking the Mississauga Transit to the parade. Be sure to arrive early and claim a good spot, before it gets too crowded! For more information visit www.mississaugasanta.com.

Tree Lighting Ceremony On Friday, November 27th, the Tree Lighting Ceremony takes place in Streetsville Village Square from 7:00 p.m. to 9:00 p.m. This beloved Christmas tradition draws a large crowd to the village each year, no matter the weather. This candlelit ceremony is fun for the whole family. You won’t want to miss out on the celebration, as we countdown to reveal the big Christmas tree all lit up, illuminating the square and village streets.

Don’t miss out on the Christmas festivities happening in the village throughout the month of November. Experience the magic of Christmas in the Village this holiday season! A special thanks goes out to the Streetsville BIA for their planning and implementation of these treasured annual events.

For more information visit www.villageofstreetsville.com. Contact the Streetsville BIA at info@villageofstreetsville.com or call 905-858-5974.

Adults and children enjoy a family wagon ride through Streetsville, admiring the festively decorated streetscapes. The children wait patiently for

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Bread and Honey AGM The Streetsville Founders’ Bread and Honey Festival AGM meeting date will take place on Tuesday, October 20th, upstairs in The Franklin House located at 263 Queen Street at 7pm.

THE ST RE

COMMUNITY CORNER

V ETS

ILLE FOUNDER

Vintage Car Show Councillor George Carlson, the Streetsville BIA and the Mississauga Car Club organized a Vintage in the Village Classic Car Show, which was held on Sunday, September, 20, 2015, from 10am to 4pm, at Streetsville Village Square. The day included all makes and models of vintage cars, live entertainment and prizes.

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There are several positions that need to be filled this upcoming year and everyone is encourage you to pass this invitation on to service groups, friends and anyone else that may be interested in getting involved. Currently there is 2 director’s positions; a secretary and vice president available for this upcoming year. All interested candidates should send their names to Info@breadandhoney.ca.

Annual Harvest of Crafts Sale Streetsville United Church UCW located Streetsville at 274 Queen St. South, is hosting its annual Harvest of Crafts Sale on Saturday, October 31. Doors are open from 9:30 a.m. to 3 p.m. There will be a huge supply of Handcrafted items and wonderful surprises in our Attic Treasures collection.

Enjoy lunch in our all-day Cafe and don’t forget to take home some Freshlybaked goodies or a jar of home-made preserves. Rain or shine! Cash only!

Free Admission.

Remembrance Day Wednesday, November 11 at 10:30 a.m., Streetsville’s Remembrance Day events will begin with a parade along Queen Street South, which will make its way to the cenotaph in the new square. A ceremony and a moment of silence at 11 a.m. will pay respect to the many men and women who sacrificed so much so that we could enjoy the lives we lead today.

Streetsville Historical Society The next Streetsville Historical Society meeting will take place on November 12th at 7:30 pm at Streetsville United Church in the Fellowship Hall located at 274 Queen St. S.

Mexican Independence Day

By Albert Peres The proprietor, Maria, and staff of Streetsville’s Cantina Mexicana supported the celebration of the 205th Anniversary of the Mexican Independence Day, September 15th at Yonge-Dundas Square in Toronto. The event included music, dance groups, traditional crafts, and importantly wholesome Mexican food. Maria’s contribution - freshly made fish tacos.

Vic Johnston Community Centre begins public skating The Vic Johnston Community Centre, located at 335 Church Street in the Village of Streetsville, began the Public Skating season on Sunday, October 6 from 1 - 2:30pm. Admission prices are adults and children $4, family $10, and seniors are free.

Cantina Mexicana is a Mississauga family tradition. Owner Maria, a native of Tampico, started the venture with her late husband Jack Filanowski local musician. The operation takes pride in cooking using the freshest ingredients for a true Mexican restaurant experience. Guacamole, nachos, fresh traditional salsas are made from scratch. Cantina Mexicana is located at 277 Queen Street South.

The Centre offers a great birthday party package utilizing a party room, ice skating and food service all under one roof in conjunction with the Public Skating session. Call 905-826-3011 for details.

In addition Thursday afternoons Parents, Preschoolers and Senior’s skate from 12:30- 2 pm and admission is free. This skate is designed for parents with preschool aged kids under 6 (all children must be accompanied on the ice with a parent) and seniors.

They look forward to hosting you at one of their public skating sessions! For additional information please call 905-826-3011.

Historical walking tours The Village of Streetsville is home to the highest concentration of historic buildings in Mississauga. The final walking tour of the season will take place on Sunday, October 18th from 1 – 4 pm. Tours start promptly at the Streetsville BIA Office, 280 Queen St. S.

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Streetsville BIA

Ward 11 update

5 year Strategic Planning Session

by Councillor George Carlson

By Todd Ladner, Streetsville BIA Chair

The fall season is now upon us and cooler temperatures will soon follow.

You probably don’t want to be thinking about snow yet, but if you require assistance with snow removal this winter, I would encourage you to consider the City of Mississauga’s Driveway Windrow Snow Clearing Program, which is offered to Mississauga residents.

On October 3rd, the Streetsville BIA Executive hosted a 5 year strategic planning session for members. Ward 11 Councillor George Carlson coordinated the event with BIA General Manager, Angela Trewartha.

With cooler temperatures on the way, you will also likely find yourself turning up the heating in your home and thinking about ways to manage your energy costs, so keep reading to find out about programs that can help you and your family do just that during the fall and winter seasons.

The City’s Driveway Windrow Snow Clearing Program assists older adults and individuals who are physically disabled with removal of driveway windrows. A windrow is the snow left at the bottom of a driveway after a snowplow has cleared a road. The program will provide windrow snow clearing service after every snow plowing operation, and windrow snow clearing will be approximately 3m (10 ft) wide to allow one car to pass.

Residents who are 65 years and older and individuals who are physically disabled can apply for eligibility through an application process that will determine whether the service will be free or have a $200 fee attached.

To download an application form, please visit www.mississauga.ca/snow or pick up an application package at your local Community Centre. Community Centres will be accepting applications until 9 p.m. on Friday, November 13, 2015. The windrow clearing service will begin on November 30, 2015 and end on March 11, 2016.

The morning meeting was facilitated by Karyn Stock-MacDonald, a City of Mississauga Executive who heads the ‘innovation’ department in the City Manager’s office. Karyn is an expert at leading groups through a process of identifying the direction organizations like the Business Improvement Association should direct their energy.

Through various activities, Karyn pulled goals and ideas out of the group and arranged them in classified columns on a whiteboard. Eventually, a heading for each column emerged. The titles were then refined to become key markers in the strategic plan. Eight points of action were formulated by the end of the session and the group of approximately 25 members were pleased enough with the results to applaud Karyn’s work.

If you require financial assistance with your snow removal costs, I would also encourage you to consider the City’s Yard Maintenance Subsidy program.

The Yard Maintenance Subsidy program provides financial assistance with grass cutting and snow removal and is offered to seniors and individuals with disabilities who receive government income supplements. The maximum subsidy that will be provided to each eligible resident is $200, and the subsidy period runs from April 1, 2015 to March 31, 2016. Applications must be submitted to the City’s Finance Division no later than April 30, 2016. For more information about this subsidy program, please visit www. mississauga.ca/portal/cityhall/yardmaintenancesubsidy or call 3-1-1.

As Carlson said “it really is a working blueprint for the BIA for the next five years.” Goals and objectives were established. All that is required is some Streetsville passion and hard work!

To help you manage your energy costs, the Ontario Power Authority (OPA) offers a Heating & Cooling Incentive program. This program is offered by the OPA through local electricity utilities that help residents and businesses manage energy costs. This incentive program is available for residents and businesses in Ontario who have purchased and installed eligible replacement central heating or cooling equipment through a participating contractor. As part of this program, the following incentives are available: • $250 incentive when you have an existing furnace replaced with the purchase and installation of a high-efficiency furnace equipped with an Electronically Commutated Motor (ECM) • $250 incentive when you have an existing central air conditioner (CAC) replaced with the purchase and installation of an ENERGY STAR qualified CAC system • $400 incentive when you have an existing CAC replaced with the purchase and installation of a stand-alone CEE “Tier 2” level central air conditioning system Another program that is offered by the OPA that can help you manage your energy costs is the saveONenergy Fall Coupon Event. Beginning September 25th and continuing throughout the month of October, participating retail stores in Mississauga will offer customers in-store coupons for eligible energy-saving products. Eligible products for savings include light bulbs, power bars, programmable thermostats for electric baseboard heaters and much more. To download printable coupons and locate participating retailers, visit www.powerauthority.on.ca/conservation.

I hope that these energy savings programs and snow removal assistance programs are helpful to you and your family during this fall and winter season.

As always, if you need any assistance on this or any other municipal matter, please don’t hesitate to contact my office at 905-896-5011 or george. carlson@mississauga.ca.

13

Study proposes to build freight bypass for 2-way, all-day GO Rail Service

Scholarship Awarded

City of Mississauga Council endorsed in principle, a study regarding a freight bypass rail line between the Canadian Pacific (CP) Line (Milton GO Rail corridor) west of Trafalgar Road in Milton and the Canadian National (CN) bypass Line at Bramalea.

On Wednesday, September 30th during the Vic Johnston AGM, three scholarships were awarded to SHL players attending post-secondary school this fall.

Each Year the Vic Johnston board of directors awards a few of our midget players the SHL scholarship award. Applicants must met the following criteria:

This concept is one option to permit for two-way, all-day GO service between Union Station and Kitchener via Malton on the Kitchener GO line as well as expansion of GO Train service to Cambridge.

1. Applicant must have been registered for a cumulative total of five years, including a minimum of three years as a player, with the Streetsville Hockey League (“SHL”).

“This project has far reaching benefits at local, national and international levels,” said Mayor Bonnie Crombie. “This bypass is making a regionally integrated rapid transit network between Toronto and the Waterloo Region and would greatly benefit Mississauga. Fast, efficient passenger rail service has been a priority for many years. Improving transit connections leads to better quality of life, economic benefits, reduced gridlock and less impact on the environment.”

2. Applicant must be registered with the SHL in the year of application.

3. Applicant must currently be at a position in his or her education to be eligible to attend an accredited post-secondary institution.

The study looked at the feasibility and business case of a new rail line to separate freight from passenger services and to connect the Milton GO line, west of Trafalgar Road in Milton to the CN Bramalea bypass line in Brampton, beside Highway 407. This new line would take heavy freight rail away from the Milton and Kitchener GO lines making these lines available for commuter rail.

4. Applicant must not be serving a suspension in excess of four games at the date of application.

5. Applicant must not have served more than 20 games of suspension during the applicant’s career in the Streetsville Hockey League.

Congratulations Ryan Shaver, Nicholas Antunes-Cordoso and Aaron Simpson the award winners from the 2014-2015 season.

Crombie added: “The study helped us strategically look at how our rail lines will be used. The bypass is supported through our planning studies.

Expanded GO service on the Milton line is a priority for Mississauga, with six of the eight Milton GO line stations (Dixie, Cooksville, Erindale, Streetsville, Meadowvale and Lisgar) located within our city. Cooksville Station as part of the Milton GO line, will connect to the Hurontario-Main Light Rail Transit project.

Pictured front left to right are Aaron Simpson, Nicholas Antunes-Cordoso and Rob Shaver (Ryan Shaver’s father). Back row left to right VJCC Scholarship Committee: John Culleton, George Vrbos, Stephane Angers and Ken Hunter.

A dedicated freight bypass rail line would mean all day two way passenger service on the Milton and Kitchener GO lines that meets our regional transit service needs and supports economic development.”

Leslie Log House upcoming events Home for Holidays - Leslie Log House December 13, 12 to 4 p.m Carollers, historic tours & cooking, children’s craft area, cookie decorating, horse and wagon rides, seasonal exhibits and more!

FREE ADMISSION Donations of non-perishable food items will be accepted for the local community food banks.

Family Photos with Santa and Mrs. Claus in the Leslie Log House 4415 Mississauga Road Sunday, November 29th and Sunday, December 6th from 12 pm – 4 pm Pet Photos with Santa at the Leslie Log House 4415 Mississauga Road Saturday, November 28th and Saturday, December 5th from 12 pm- 4pm

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Family Fables – Unplugged!

Celebrating 20 years

By Deanne Clipperton

An inspiring story

My favourite time at home is when the house is quiet and everyone is busy doing something that does not revolve around technology.

In 1995, with thousands of dollars in student loans, Sandra Asta borrowed $4000 from her then boyfriend and future husband Tony to pursue a dream. Today, Crafted Décor is an established presence in the village, and has won national awards for their innovative gifts and home decor.

Recently, I skimmed an article in Today’s Parent that talked about why Netflix is bad for our kids. It brought up some interesting points that made me think about technology and the importance of making sure that my kids have a certain amount of unplugged and screen free time.

The article made me think about my childhood and how different it is from my kids’ childhood. For the most part, when I was growing up, shows that appealed to kids were on at specific times Saturday mornings, maybe afterschool or lunch time.

There weren’t channels dedicated to children’s’ programming 24 hours a day, 7 days a week and that doesn’t even take into account DVD’s and Netflix. These days, if there isn’t something on TV that kids want to watch they can find it elsewhere and take it anywhere.

When I was growing up, when there was not something to watch, it forced us to find other things to do and it allowed us to explore our interests, be creative and go outside. I used to play in the neighbourhood and when it was time to come home my dad would whistle, he had a very distinct whistle and my brother and I knew it was time to head home.

Now, not only because of technology but also because of changes in society and fear of so many things, most kids don’t play outside especially unsupervised. It is easier to have them inside watching TV or playing video games while we get things done knowing they are safe.

Originally, Sandra took crafts on consignment, while she created dried floral arrangements and ran classes. Those years were tough, she said, “Tony saw my determination and knew I wanted to evolve the store into much more, and he stuck by me,” she said.

I want to give my children the opportunities to grow and explore and be unplugged. When we spend time at the cottage they are rarely plugged in, only in the last few years did we bring a TV with a DVD Player there so we can watch movies on rainy days. But other than that, they are outside doing what kids are meant to do; being active all day, finding new adventures and checking in frequently for snacks.

Sandra’s luck would change when she received a government backed small business loan, and took a chance on a much bigger location in Streetsville with store front windows. She now could now buy inventory and started to add categories of merchandise customers were requesting.

“Originally, I was buying antiques to merchandise my floral arrangements, but customers kept asking to buy them so I started getting many more antiques,” Sandra said. “Customers asked for candles and candle holders to go on their table with the centerpiece I had made them, so I started carrying them.”

I have often said to my husband that I wish we could live like this all year, outside and unplugged as much as possible.

The funny thing is that for all of us, especially my kids, it is our favourite place. So, I think we are really meant to be unplugged more than we think we are. What about you?

Sandra has never stopped taking feedback from customers. Providing exceptional customer service and listening to advice from staff and customers has paid off tremendously, and has won Crafted Décor many accolades, she said. “Seeing people smile when you gift wrap a special gift; and customers commenting that the furniture or accessories they bought from Crafted Décor get the most compliments in their home, gives me the motivation to continue to do my best and to find unique home décor and gifts.”

Pictured above are Tony and Sandra Asta with Mayor Bonnie Crombie, family and staff.

For more information, visit www.crafteddecor.ca or call 905-567-9795.

Crafted Décor is located at 232 Queen Street South.

15

lyons

Neal & Dawna

Doors Open 2015 At the only scheduled location within the GTA, Heritage Mississauga is pleased to present Canadigm’s “Souterrain Impressions”, a crossCanada art exhibition of 3-D reproductions of the chalk carvings of regimental badges and messages to family, done in the caves of Vimy Ridge during the First World War in 1917.

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xxx Zenon Andrusyszyn Photo Credit: Sanborg Productions

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Dawna Meadowtowne Realty, Brokerage 6948 Financial Drive Mississauga, ON L5N8J4

Carvings completed by heroes like Pte. Oscar Green, a veteran of No.2 Company who raised the alarm and fought a German combat unit armed with only “a broken rifle, minus bolt and bayonet”; Pte. Green was stabbed “a dozen times with German bayonets”, finally succumbing to a gunshot wound to the head on August 15, 1917. Although originally born in Finland, this 31 year old blue eyed man gave his life fighting for the Canadian Forces at Vimy. Pte. Green paid the ultimate price for peace and as he waited in the subterranean world below the battlefield, he carved his regimental badge both as a way to pass the time but also in pride and memory of his fellow brothers in arms.

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The exhibition also includes other carvings and images of the cave systems at Vimy and the story of Canadigm’s work in developing the exhibition.

Working in conjunction with The Durand Group, a British organization, Zenon Andrusyszyn and Stephen Weed from Canadigm have worked tirelessly with a number of volunteers to bring this exhibit to Canada.

Heritage Mississauga has also been fortunate to secure grant monies from the Community Foundation of Mississauga which has allowed them to bring this free exhibit to the community.

• Full Design & Renovation Services • Wide Selection of Granite & Quartz Countertops • Architectural Millwork & Custom Cabinetry

Come and see these incredible carvings and stories, at this unique exhibit at the Stonebrook Condominium Sales Centre, 2007 Lakeshore Rd West.

(N.E. corner of Southdown Rd & Lakeshore Rd. W.) Mississauga. The grand opening was September 26 at Mississauga’s Doors Open event and will remain in the City until the end of November; an historic interpreter will be available to answer any questions, before it moves on to the Canadian War Museum in Ottawa.

Mon - Fri: 9:00 - 5:00 Sat: 10:00 - 2:00 Evenings by Appointment Call or Visit Our Showroom

For more information about this exhibition please contact Heritage Mississauga at 905-828-8411 ext “0” or by email at info@ heritagemississauga.org Visit our website for additional information on the exhibition and stories of local First World War soldiers.

12 Mill Street, Streetsville • 905-812-7812 • www.millstreetkitchens.com

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Anglers Celebrate planting half a million trees On Friday, September 25 Credit River Anglers Association (CRAA) president, John Kendell was joined by Mayor Bonnie Crombie, Councilor George Carlson, MP Brad Butt and MPP Bob Delaney along with several dozen volunteers to plant their half millionth tree in Streetsville Memorial Park.

This incredible milestone is the culmination of more than 20 years’ work

by Kendell and hundreds of volunteers from the anglers group. Planting half a million trees is an incredible project that has been spearheaded by volunteers with a goal of improving the Credit River for fish, wildlife and people.

Kendell says “when I started our reforestation project I was finishing classes at UTM and most of the river valley from Mississauga to Inglewood was open fields and scattered woodlots. The river was left to cook in the hot sun and salmon and trout often died from heat stress. The river was filled with seaweed, rocks were covered in slime and in summer it felt like a bathtub.” “Today much of the river valley has been transformed to young forest, the water is colder, cleaner and the weeds are gone.” The incredible before and after images provided by CRAA are a testament to the success of the program.

the smaller trees allowing them to grow and mature to a size they could withstand flooding and ice. The first planting using mature trees was done in 2002 in Streetsville Memorial Park. Planting in 2000 and 2001 had failed due to severe flooding and ice flows. After 2002 our plantings have enjoyed great success, although beavers continue to be a challenge. In the photo below the before image shows the larger trees that we planted in 2002. 13 years later the river is hidden behind a wall of forest. CRAA has planted at this site almost every year since 2000.

CRAA volunteers began their tree planting in Erindale Park in 1991 with former city councilor David Culham. Twenty five years ago Erindale Park had recently been built and lacked vegetation along the river and throughout the valley. Park users today would not recognize what it looked like then.

The photo below shows just how much has changed in the entire park as a result of CRAA’s planting and tree planting from the city parks department and other groups.

CRAA’s efforts have focused on the entire Credit River Watershed, from Orangeville to Hillsburg and all the way down to Port Credit. The planting has included dozens of tributaries and a great deal of work was also done on Georgetown on Black and Silver Creeks. Starting in 1998 CRAA has planted over 50,000 trees in this one system over the past 18 years. This system is very important to trout and salmon as a spawning and nursery stream.

Since 2005 CRAA volunteers have transported live adult rainbow trout (steelhead) to the watershed under permit from MNR to improve natural reproduction. The image below is from Cedarvale Park in Georgetown and shows the amazing transformation much of the watershed has seen from planting.

John refocused CRAA’s efforts in the mid 90’s to a mix of improved access for fish within the river and improved habitat for the whole watershed.

Beginning in 1998 CRAA began more detailed research including temperature studies, knocking on land owner doors for permission to plant and seeking funding. Initial seed money from the Great Ontario Salmon Derby was merged with grants from Eco Action 2000 (Environment Canada) and the Ontario Trillium Foundation in 1999/99. With this came CRAA’s first employed summer students and large purchases of seedling trees. Within 3 years CRAA had planted 100,000 trees and planted over 3,000 acres of land from Inglewood to Port Credit and headwater locations in Orangeville, Hillsburg, Caledon East and more.

Completing a project of this magnitude has taken thousands of volunteer hours from John, plus tens of thousands of additional volunteer hours from countless members of the club and community. Well over 1,000 different volunteers have helped plant trees with CRAA at one time or another.

Numerous VP’s of the club have assisted, including Mike Weideman, Mike Tost, Pete Pettos and Louis Milo. Long time directors and executive volunteers Ken Patterson, Wayne Vierhout, Mark Polanski, Joe Ward, Justin Elia, Dave Leschied and many more have been involved. And through the various funding CRAA has hired between 5 and 15 students every spring and summer to work on our crews creating over 200 summer jobs for students over the past 18 years. CRAA has been honoured as citizen of the year in Halton in 2014 and other awards, meanwhile John Kendell has been awarded the Timothy Street medal by Streetsville MP Brad Butt in 2014 and one of Canada’s highest awards, the Recreational Fisheries Award, awarded by the Governor General/Minister of DFO in Ottawa in 2010.

Research found one of the most impacted zones by summer heating was in Glen Williams and Terra Cotta. The other highly stressed section was from Norval to Port Credit (almost 40 km of river). CRAA planted these sections in 1999 and 2000 and has continued to work on dozens of properties every year to 2015. One farm that had cattle was a particular issue impacting water quality. CRAA worked with the farmer to install fencing and has planted over 12,000 trees over the years. 1998 showed the river warmed 8 degrees Fahrenheit through the farm. Today on the property pictured below the river cools 2 degrees Fahrenheit, for a net reduction of 10 F. The result of shade trees and forest buffer are truly incredible.

Reforesting the edge of a large river like the Credit and naturalizing many park lands that had previously been cut grass has many challenges.

Beavers are very common along the Credit River all the way to Port Credit and they wreak havoc on young trees. Deer, mice and rabbits all eat and kill many young trees too. For this reason John and his crews tried many methods of protecting trees and found metal mesh was best. If you’re walking through many parks you will often see trees guarded in mesh for this reason. Flooding and ice dams are another major hurdle to planting and proved to be the greatest challenge in planting the lower river from Norval to Port Credit.

Major sponsors include the Ontario Trillium Foundation who funded over $500,000 since 1999, Ontario Ministry of the Environment recently funded over $100,000, Eco Action 2000 (Environment Canada), The Ontario Ministry of Natural Resources and Forestry, City of Mississauga, the Great Ontario Salmon Derby an others. Many CRAA volunteers have been key in making this project reach the incredible milestone of half a million trees.

While the rehabilitation and reforestation story is very positive, many dams remain on the Credit that block fish species from moving, migrating and reaching spawning grounds.

To overcome the ice and flooding issue CRAA planted larger trees mixed with thousands of smaller trees at the same time. The larger trees protected

17

CRAA continues to work with government agencies and other groups to improve access and remove of manmade barriers.

Mississauga Music Walk of Fame

By Albert Peres

New members were inducted into the Mississauga Music Walk of Fame on Sunday, September 13 during the Tim Hortons Southside Shuffle Blues and Jazz Festival.

The four inductees were: Neil Dixon the founding father and innovative architect of the annual Canadian Music Week. Mr Dixon was establishing partner of Solid Gold Records, which brought home multiple platinum and double platinum albums and earned eight Junos; John Bride a versatile guitarist who has played with legendary Toronto bands including The Ugly Ducklings, Cameo Blues Band, and Shooter; Denny Doherty member of the legendary folk-rock group The Mamas and Papas. Mr. Doherty, who died suddenly in 2007, was represented by this daughter Emberly; and Rob Wells a very talented writer, arranger and producer of music for records, TV and movies.

The Mississauga Music Walk of Fame, located in Port Credit Memorial Park, was established in 2012 with the support Ward 1 Councillor Jim Tovey. To date, there have been 17 inductees included rockabilly star Ronnie Hawkins, jazz pianist Oscar Peterson. To qualify, a nominee must have been born or spent a significant amount of time in Mississauga and have contributed greatly to local community as well as their profession. A committee of citizens then review the list and chooses the final inductees.

2015 Mississauga Walk of Fame sponsors: Enersource, Port Credit BIA and The Shores of Port Credit.

New members were inducted into the Mississauga Music Walk of Fame on Sunday, September 13 during the Southside Shuffle Blues and Jazz Festival.

Left to right: Mississauga Mayor Bonnie Crombie, Neil Dixon, John Bride, Councillor Jim Tovey, Emberly daughter of Denny Doherty, Rob Wells.

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Holly’s Tips Painting – How to pick a paint shade

Gazing at a sea of paint chips and wondering, how do you begin wading through the choices?

Unless you’re renovating your room from scratch, your best bet is to take a look at the items in the room that will not be painted or changed. Things like curtains, floors, rugs or the fabric of sofas and chairs. These will guide you to suitable colours for your walls.

The number one mistake to avoid. Don’t pick a colour in the store! First, take home the paint chips and see how the colour looks under various lighting conditions in the room where it will be used. Then, once you’ve narrowed down your choices, you may want to buy a small test-pot of the colour and paint a piece of foam board or section of wood and put it next to flooring, drapery or upholstered furniture.

Now that you’ve decided on a colour, don’t panic with the first roll of paint!

In isolation, a colour can look to strong. You can only judge it accurately after two coats have been applied over the entire area. Also, keep in mind that once everything goes back into the room, the wall colour will be neutralized and you’ll get a truer sense of it.

RALPH CULP AND ASSOCIATES INC. TRUSTEE IN BANKRUPTCY

There aren’t any strict rules about colour, colour is a personal thing. Do choose a colour that you like and do consider the purpose of a room and the mood you’re trying to create.

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Taking Cycling to Heart in Mississauga The Brubacher Blog

As I’ve mentioned before in this space I am an avid cyclist and there is nothing I enjoy more than getting out on my bike for a good workout.

As a resident of Mississauga, I’m pretty spoiled!

This city is incredibly bicycle-friendly, with more than 400 kilometres of “cycle-space” found as on-road bike lanes, boulevard multi-use trails, offroad trails and “bicycle friendly” roadways. Over the past few years the City of Mississauga has developed a Cycling Master Plan (link to http:// www5.mississauga.ca/rec&parks/websites/parks/cycling_master_plan/ cycling_master_plan.pdf ) that aims to more than double the cycling routes available to residents within the next 20 years. The goal is to put 95% of the city’s population within one kilometre of a primary cycling route. That way, more people will start to see cycling, walking and roller blading as an important part of their enjoyment of life, as well as a means of cutting down on traffic.

I know that other cities in the GTA have taken the idea of what they’re calling an active transportation plan to heart – formal bike lanes and pathways mean that cycling can become a safer and more desirable activity.

And making plenty of bicycle paths available through neighbourhood parks means people can cycle or walk to schools, community centres and libraries.

recommend that you make sure you get your bike tuned up every once in a while to make sure it’s in top condition. There are a lot of little things that need to be done to ensure you can cycle long distances safely and a good bike shop will be able to help you out with that.

We have some beautiful trails through the Credit River and Etobicoke Creek valleys and I’ve spent some really glorious hours on trails in both locations enjoying the beauty of nature—in what we’re told is one of the most congested, over-built areas of Canada! I think the City of Mississauga’s plan is to extend the network of paths to 900 kilometres overall, and connect different parts of the city to make it easier to get around.

And if I can help you out with any of your realestate-related questions, please email me at scott@scottbrubacher.com. I’d be happy to hear from you and glad for the chance to talk about what is truly an amazing city.

The City of Mississauga has a super trail map (link to http://www.mississauga. ca/file/COM/trails_map.pdf ) available to download and I recommend you take a look before you start out so you know where you’re going. I also

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20

Masterworks

Put Your Money Where You Can See It

Are you…

By Crystal Mallari, Owner R3 Evolution Fitness Studio

By Silvia Yeomans, Queen Spectacle

Unhappy with body parts, energy levels, lifestyle?

Embarrassed for asking questions about how to lose weight, not knowing the rules?

Annoyed with being labelled as “lazy” for struggling with your weight?

Intimidated by the unrealistic images of the “perfect body on billboards, posters and social media?”

We are surrounded by small business in Canada. Literally. Here are some interesting Canadian statistics: Did you know that more than 98% of businesses in Canada; that’s over 1 million businesses are small businesses?

As of 2012, small businesses employed over 7.7 million individuals in Canada, or 69.7% of the total private labour force.

Are you sick and tired of trying to achieve an unrealistic body and all you want is to be yourself?

(Just better)

Small businesses created a little over 100,000 jobs, on average, between 2002 and 2012, accounting for almost 78 % of all private jobs created.

Chances of finding the answers to these questions at a “big box” gym are pretty low or REALLY expensive. R3 Evolution Fitness Studio is a boutique fitness studio specializing in small group training and weight loss challenges, suited for all ages and fitness levels.

When you consider how many small businesses surround you in your day, it’s impressive to think how much hard work, dedication and labour goes into making their businesses both successful and stay successful. Yet, many Canadians still go to the chain stores without considering their local merchants. Whether it’s filling a prescription at a local pharmacy vs. Walmart or picking up eggs and milk at a local corner store vs. your nearest Costco, small businesses are often overlooked for all the wrong reasons. Customers assume that pricing will automatically be higher at a small business vs. a corporate store, and they forget the perks that many small businesses offer such as customer care, inventory selection and community support.

For owner and founder of R3, Crystal, transitioning from the Broadway stage to the gym floor and fitness studio was flawless, due to her ongoing quest to continually better her own body, mind and spirit. Crystal is a certified personal trainer, certified group fitness instructor and Adler Trained Life Coach. With 10 years of professional experience in the fitness industry, including fitness managing at a well-known fitness chain, acquiring certifications in disciplines such as Pilates and Kickboxing, leading her own boot camp class called R3VOLVE BOOT CAMP, guiding many satisfied clients to their fitness goals, Crystal’s clients and class participants have created and coined the term being “Crystallized”.

Before you make your next purchase, whatever it may be, consider some of these interesting points of the businesses here in town: Better inventory. Small businesses have access to some of the same suppliers as many large corporations. Large corporations have the restrictions of only carrying some of the product from the different suppliers (in large quantities), whereas the small business owners have access to the full product line and offer a larger variety. If they don’t have a product, they are more willing to order it right away and stay on top of the orders. As a small business owner, they will go above and beyond to provide the best customer service to the consumer.

The birth of R3 Evolution has grown up to be the CHEERS of fitness studios.

When you walk into R3, everyone knows your name.

At R3 you’ll experience the benefits of one-on-one personal training in class environment. You’ll experience hands on instruction, nurturing encouragement and support from all our coaches. Form and technique are at the fore-front of every class, for anyone at every fitness level.

Personalized customer service. It’s about word of mouth. Small businesses don’t have a disposable amount of money to spend on advertising and competing with the corporate stores for consumers to shop with them.

The merchants in town are more hands on and provide exceptional customer care. To be different is what makes the consumer “tell their friends, and their friends tell their friends...”

At R3 you are congratulated and recognized for every minor and major achievement accomplished. We are a community of fitness enthusiasts and endorphin junkies who care. We cater to those who prefer not to get “lost” in a cold, big box gym. At R3 size doesn’t matter. All that matters is you try. Give your best. That’s all.

Giving back to the community. Have you ever tried fundraising for your child’s school or their hockey team or a local cause? It’s your local businesses that give back to your community. You are more likely to get the support of a local business with volunteer time and money to make the community stronger and more united.

R3 is celebrating our 3rd Year Anniversary Celebration on Saturday, November 7th and we’d like to personally invite you! With a FREE “Secrets to Losing Weight Seminar”, free classes ALL DAY, door prizes and more, you’ll have the opportunity to experience for R3 Evolution for yourself!

To reserve your seat at our seminar and to book a FREE class on our birthday, please email us at info@r3evolution.com and your name will be entered into a draw to win a 2 WEEKS UNLIMITED CLASS PASS!

The merchants are also the consumers in town. If you need something in town, it’s your local merchants that will tell you who can help you with the best products and service. We all shop in town too!

Supporting small business in your neighbourhood allows your neighbourhood to flourish and selfishly gives you the best customer care that you want for yourself and your family.

Two upcoming campaigns promoting small business triggered this talk amongst my neighbours. BDC Small Business Week is from October 18-24 and Yellow Pages nationwide campaign to shop local: Shop the Neighbourhood is on November 28th.

Save the dates and support your local businesses in our community.

For more information about this article, suggestions for future articles, or if you have any questions about your family’s eye care, feel free to contact me at silvia@queenspectacle.com.

Silvia Yeomans is the owner of Queen Spectacle. Queen Spectacle has locations in Port Credit, Streetville and The Kingsway. They are a full eye care team recognized for their service excellence. For more information, visit their website at www.queenspectacle.com

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21

Value For Money Investing

Gordon O. Stockman, BComm., CPA, CA, CFP, CIM Vice President – Financial Planning, Efficient Wealth Management Inc. Ontario is launching a review of regulations relating to financial advisors and planners to help investors and consumers make informed investment and financial choices, as well as enhance oversight in this sector.

such strategy. In a sales strategy, the outcome is the shared result for the participants in the strategy. In the case of advice, for the outcome to be clear, positive and non-harmful to the recipient, the outcome needs to be focused on the recipient of the advice. Usefulness is only possible if the advice is trusted.

Unlike many financial service sectors in Ontario, financial advisors and planners are not subject to general regulatory oversight, which could leave consumers and investors vulnerable. This review will focus on addressing this gap by examining more tailored regulations. To conduct such a review, the Ontario government appointed an Expert Committee to Consider Financial Advisory and Financial Planning Policy Alternatives. The committee is taking submissions from the public. Last issue we shared my submission about the possibility of registration to provide “security advice only”. This issue I will share Efficient Wealth’s submission to the committee, which concerns itself with the need to increase responsibility and obligations for any firm or individual providing Advice.

Financial advice is different from financial planning. Advice encompasses the ideas of faith, trust and confidence that create a dependency when advice is rendered. Planning encompasses only compilation, assembly and delivery without the acceptance of responsibility by the preparer. However, financial planning may result in financial advice. It is the provision of this advice portion that raises the bar. As soon as a service is proffered as containing advice, the obligation inherent should be seen as offered and accepted and be deemed sufficient for the creation of a fiduciary relationship. Advice creates a much higher responsibility to the recipient than planning or salesmanship.

Financial planning, done well, is broad reaching, comprehensive, difficult and like all important tasks would hopefully be conducted by competent individuals with adequate training, education and experience. As a CPA, CA most of my work product is non-regulated and able to be performed by any individual that wants to hold themselves out as an accountant. The use of the term Chartered Professional Accountant is reserved solely for those members of CPA Associations but anyone can call them self an Accountant. Anyone can perform accounting tasks. It is our demonstrated professionalism and the marketplace that will work out whom to engage for accounting and tax work.

Likewise anyone can do financial planning but Certified Financial Planners have demonstrated a commitment to education, training and ethics as expected from a professional. Again this professionalism and the marketplace will work out whom to engage for the important task of financial planning.

Advice is a Great Responsibility. Our premise is simple. The word advice is the issue, not the words financial or planning.

When I am purchasing something, anything, I do not want advice from the salesperson. I may want features and benefits. I may want to discuss price, terms and conditions. I may wish to gather more data on usefulness or suitability to meet my requirement. I may desire quality and warranty assurances. I am a willing participant in the sales strategy and the whole sales process, from beginning to closing, should be considered to be just that; a well thought out strategy. Outcomes are clear. I am sure of what I possess, the strategy is closed and errors in acquisition are mine.

When I am seeking advice, about anything, I do not want a sales strategy. I am seeking guidance or another view. I may want information, an opinion or a suggestion. I may wish to receive a recommendation as to an appropriate choice. I may desire some background on the provider to evaluate capability of the individual. I may seek credentials to judge knowledge and skills. I may establish their profession to evaluate quality and standards of advice. I am willing to trust and consider what is offered. Outcome is the acceptance of trust; a dependency. I must trust the advisor to act on his knowledge and experience, not mine. What is received is helping me to decide whether I wish or need to enter a sales strategy. Advice to enter should not come from within

For Financial advice, there is no current regulatory scheme that captures and clarifies the responsibilities and obligations created by providing financial advice.

Regulations in the investment industry are concentrated on the conduct of trades. The investment industry regulators require no offering of or the mechanism to accept the obligation to act in the best interest of the recipient of any advice, financial or investment. The self-regulatory organizations (SROs) that register members for trading activities currently do not allow the assumption of such responsibility. Advice, whether it’s good, bad or poorly formed is evaluated only on a commercial basis and as to its suitability.

Financial advice should be clarified as an activity that gives rise to a relationship wherein one person has an obligation to act in another’s interest ahead of their own interest. The obligations accepted by an individual in whom another has placed the utmost trust and confidence to protect them. This is often referred to as a fiduciary relationship. Consumer protection enactment of this would be welcome.

Advice For A Fee

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Increase your income through intelligent financial planning decisions.

Financial Planning requires no regulation beyond normal consumer protections.

Titles for individuals providing Financial Planning require no modification or regulation. However, Sales Representatives should be easily identifiable as such with mandatory disclosure of same. Advisors that wish to proceed beyond the sales process and either advertises or offers advice should be immediately captured with standards applicable to the provision of advice.

Financial Advice should be regulated through a requirement to accept fiduciary responsibility for the advice and belong to a recognized professional organization that requires the same.

Efficient Wealth Management Inc. was created to provide unbiased, independent, superior financial planning advice, on an Advice for a Fee basis. Our extended mission is to bring portfolio manager services bundled with full financial planning to investors with less than 1 million dollars. We have been designing and utilizing strategic ETF portfolios for over 12 years, letting us return control of the cost of financial planning and investment management to the investor.

Gratifying Harvest is a dynamic withdrawal strategy Total wealth framework before Asset Allocation We encourage guaranteed income products We design for the retirement liability Tax‐efficient portfolios

Gordon is a Chartered Accountant (CA), a Certified Financial Planner (CFP) and a Chartered Investment Manager (CIM). He has close to 20 years of experience in Financial Planning and Portfolio Management and over 35 years in Tax Planning. Gordon is a frequent guest on television and has written numerous articles on investing and financial planning. He has also taught Financial Services and Accounting courses at local colleges.

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2015 CALENDAR OF EVENTS October 18th Historical Walking Tour October 24th Halloween in the Village November 5th Retailers Open House November 11th Remembrance Day November 23rd Christmas Window Contest November 27th Tree Lighting Ceremony November 29th Mississauga Santa Claus Parade For more information on upcoming events on Streetsville Village Square please visit our website or the Streetsville Village Square Facebook Page.

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