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Langley | July 2012
A Healthy Dog is a Happy Dog ...pg. 8
S a ve M o n e y O n Yo u r H yd ro B il l
...pg. 10
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Debt Trouble? 4 What to do When You Can’t Pay Your Debts Advice from a Trustee.
BUSINESS HIGHLIGHT 6 Crystal Vision & Hearing Centre
604-789-0641
Working for the Community of Langley, BC.
A Healthy Dog is a Happy Dog 8 Fitness For Fido Keeps Man’s Best Friend Healthy Tips to ensure your pet stays healthy... and happy.
Save Money On Your Hydro Bill 10 Make Your Home More Energy-Efficient Tips to help you save money? What’s better than that?!
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Help Seniors Keep Cool When the Heat Rises 13 Elderly Especially Susceptible to the Heat The heat is nothing to take lightly, especially when it comes to seniors’ health.
EVENT LISTINGS 15 What’s Happening Close to Home?
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What to do When You Can’t Pay Your Debts – Advice from a Trustee
I
n my role as a federally licensed Trustee with Sands & Associates in Langley I spend my days meeting with individuals of all ages and from all walks of life. The one thing that all these people have in common is that they are feeling burdened by the enormous weight of their debt, and are looking for solutions to relieve the pressure. More often than not, it is a combination of external factors that leads to debt trouble. Typically a person experiences some “shock” to their finances and lacks the resources to continue to make good on their debt obligations. Life events such as medical issues, job loss, relationship breakdown, business failure, or even just the day-to-day challenges of providing for a growing family can leave honest people in a situation where they find themselves unable to service their debts. If you find yourself talking to a friend about their financial challenges, you can pass on to them this handy list of five practical steps an individual can follow to take charge of their financial future: 1. Assess the Situation – Take a few minutes and write down a list of all of your debts. Also note their minimum monthly payments and keep a running tally. If you haven’t been opening bills 4
for a while, take a deep breath, get a pad of paper, and work through the stack of bills one at a time. Knowing exactly where you stand is absolutely critical to fixing the problem. 2. Stop Borrowing – The first step to solving a debt crisis is to stop borrowing. Take a look at your monthly budget and assess whether your lifestyle is appropriate to your paycheque; the one has to fit the other. If you find that you’d be able to live just fine if only those monthly debt obligations were reduced, then you may be ready to take the next step of evaluating your financial options with a professional. 3. Be Careful Whom You Seek Advice From – The Federal Government licenses and empowers only one type of professional to provide formal debt assistance: Licensed Trustees. A Trustee will meet with you confidentially and at no charge to review your financial situation and advise you of your options. Be careful of “Debt Consultants” or unlicensed “Debt Advisors”. In many cases these are US-based companies that market heavily in Canada but are unable to provide any real debt assistance beyond what you could do yourself. Don’t get fooled by marketing claims that appear “too good to be true”; often, they are just that.
The Community Guide
July 2012
4. Understand Your Options – Many people are surprised to learn that bankruptcy in Canada can last as for little as 9 months (and not the commonly understood 7 years!) Many people are also surprised to hear that a Trustee can assist with a voluntary debt repayment plan known as a Consumer Proposal. A Consumer Proposal is often the best way for an individual to avoid bankruptcy by making an offer to his or her creditors to pay back a portion of their debts (often 30%) over a period of 2-4 years without any interest or penalties accruing on their debts. Consumer Proposals have only gained popularity in Canada since 2009, so it’s understandable that not many people have heard of this great option. But these days, more than 50% of the individuals I assist choose to file a Consumer Proposal instead of going bankrupt. There are options for you. 5. Take a Long-term View – Just because you’re in financial difficulty now doesn’t mean that this will always be the case. A great number
July 2012
of successful individuals have had to make difficult decisions on how to move forward once they found themselves unable to deal with their debts. But it’s not the end of the world. In many cases, by filing a Consumer Proposal or a Personal Bankruptcy, an individual is able to look toward the future with a sense of optimism, knowing that they’ve dealt with their debts once and for all. For many, it’s a cathartic process that allows the debtor to move on from their troubles with renewed hope. If you, or someone you know, is struggling with an unmanageable debt burden, please reach out to us at Sands & Associates at 604-539-0200, or online at www.sands-trustee.com to arrange for a free, confidential evaluation of your financial options. Blair Mantin is a Licensed Trustee and a Senior Vice-President of Sands & Associates in Langley, BC. *Opinions expressed in this article/advertisement are those of the contributor and do not necessarily represent the views of The Community Guide or Growth Media N.A., Inc.
The Community Guide
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BH
BUSINESS HIGHLIGHT One of the most popular locations that their centre is located at is in Langley, British Columbia. They are experienced in optics and hearing aids, which means that they can offer the best price and service as compared to others.
Crystal Vision & Hearing Centre: Working for the Community of Langley, BC
Crystal Vision & Hearing Centre is a family owned business and has been operating for the past 16 years. Located in 6 cities in the Lower Mainland, they have put in great effort for being involved with the community. They have world-class labs right within their centre, so that customers don’t have to wait long for their orders to get ready. According to the World Health Organization, there were 246 million people with visual impairment in the world as of 2011. The last available statistics from a survey conducted by Statistics Canada in 1991, stated that 635,000 Canadians were suffering from visual impairment.
They even provide free sight testing and hearing evaluations. They can be considered a one-stop shop, where you can get yourself evaluated and order optics/ hearing aids. They also have a selection of exclusive Zeiss lenses in the Langley area, something that other opticians do not have. With there top of the line evaluation facilities they are giving people in Langley the chance to recognize if problems exist. Usually, the problem lies with hearing impairment, when patients underreport the issue. But, with evaluations they can easily get themselves tested to their satisfaction, without having to worry about costs. Crystal Vision & Hearing Centre has worked with a number of senior organizations, nursing homes and curling clubs in British Columbia over the years. They have been sponsoring events for senior citizens for many years. After all, senior citizens suffer from these problems the most and are unable to cover the costs. There is an equal concern of recognizing sight and hearing loss in children at an early age. Free evaluations allow parents to get their children tested at the slightest indication of any impairment. Plus, Crystal Vision & Hearing Centre has been providing free glasses to needy children, so that their condition is not neglected due to lack of funds and continue to worsen as they age. Treatment at an early age is the best solution and they want to help the community understand that. You can visit the Crystal Vision & Hearing Centre today to get yourself tested. The centre is open from 9:00am to 5:30pm, from Monday through Saturday. Their friendly staff is always ready to assist customers, making sure that they answer even the smallest query you have.
Hearing impairment has equally alarming figures. Approximately 500 million people across the world suffer from hearing loss. Statistics Canada reveals that over 1 million adults in the country are suffering from hearing loss. According to the Canadian Hearing Aid Association, 40 percent of the people above the age of 65 have reported to suffer from hearing loss. It is also the fourth prevalent disability in the country. As experts in treating vision and hearing impairment, Crystal Vision & Hearing Centre recognizes these issues and is eagerly participating in serving the community. As a Canadian family owned business, they remain true to their values and have been taking vital steps to provide free care. 6
The Community Guide
July 2012
Save your child’s vision! Slow down nearsightedness (Myopia) up to 62%* with Crystal Vision’s Sight Saver Lens for children. Call now to book an eye exam Optometrist 604-510-5142. *Results may vary. Correction of Myopia Evaluation Trial conducted in the USA on a sample of 469 children, supported by the National Eye Institute.
www.crystalvisionandhearing.com
Visit us at 101-20611 Fraser Hwy, Langley or call 604-510-5142 to book a free sight test. Chilliwack Langley Maple Ridge White Rock Crystal Vision and Hearing is family owned and operated for over 15 years.
The Wiens Family
Fitness For Fido Keeps Man’s Best Friend Healthy
D
og owners are well aware that caring for man’s best friend has taken on a greater responsibility in recent years. Perhaps that’s a result of the popularity of the cable channel Animal Planet or the television show “The Dog Whisperer,” each of which has helped to educate dog owners about caring for their canines. Caring for a dog might be a daily responsibility, but it’s one that’s often enjoyable for both dogs and humans alike. Dog owners concerned about their best friend’s health or those simply hoping to avoid problems down the road can adopt a daily routine that ensures Fido stays active and healthy for years to come.
Freshen up the dog’s water. While this might seem obvious, keeping fresh water in a dog’s bowl is something many owners overlook, sometimes leaving the same water in a dog’s dish for days on end. Unfortunately, when that happens owners are allowing dirt and dust to build up in the water, which can also become stagnant and prove a great breeding ground for insects if the bowl is outdoors. Humans need a certain amount of water each day to stay healthy, and so do dogs. Change the
dog’s water at least once per day and twice if the dog eats two meals per day. Also, keep an eye on the water bowl and refill it whenever it’s empty. Be sure to clean inside the water bowl at least once per day, and pay attention to any dirt buildup on outdoor water bowls and clean accordingly. Feed the dog healthy pet food. Though it might seem fun and friendly to feed a dog directly from the dinner table, it’s best to only feed the dog high quality dog food. All dogs are different, and dog owners should consult their veterinarian as to which food is best for their particular breed. While less expensive dog foods might be appealing, keep in mind such foods might be the equivalent of fast food restaurants for humans, which often provide little or no nutritional value.
Take the dog out every day. Few animals on earth are as naturally active as dogs. Dogs need daily exercise to stay healthy both physically and mentally, so owners should make certain their dog gets substantial physical activity every day. A walk around the block might suffice for smaller breeds, while a trip to the dog park where Fido can run, jump and play with other dogs might be best for medium-sized or larger breeds. Avid outdoors people should take their dog along for hikes through the woods or along for any other excursions they feel their dog can handle. Consult a veterinarian for the
Playing with a dog on a daily basis can help the dog remain both physically and mentally healthy.
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The Community Guide
July 2012
recommended daily amount of exercise depending on the breed, but know that all breeds of dogs need exercise as part of their daily routine. Play with your dog. A healthy dog isn’t one that’s just physically healthy, but one that’s mentally healthy as well. Dogs need attention on a daily basis, as most breeds are highly susceptible to boredom. Make time to play with your dog every day, as play time with a dog can help it avoid feelings of boredom while providing stimulation for the dog. In addition to playing with the dog, try to include an activity such as teaching the dog to fetch the frisbee. Such activities pull double duty, providing the dog both exercise and mental stimulation, not to mention fun for the dog owner.
should not be chained for extended periods of time, and exposing dogs to the elements of nature for prolonged periods is potentially very dangerous. A dog’s fur, regardless of its thickness, can only protect it against winter weather for so long, and dogs can overheat very quickly in warmer climates. If the dog must be chained, make sure the chain is long enough to allow for significant mobility and do your best to minimize the amount of time the dog is on the chain. TCG
Give the dog some freedom. The conventional wisdom that a dog can be chained in the backyard and left there for hours has thankfully fallen by the wayside. Nowadays, such behaviour from dog owners is commonly viewed as abuse. Dogs
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e m o H r u o Y e t Mak n e i c i f f E y g r e n E e Mor
D
id you know that being green saves money, especially around the house? Homeowners annually lose hundreds of dollars to inefficient appliances and a drafty home. Making simple changes can benefit the planet and your bottom line. Choose the Right Appliances Appliances in your home as well as certain behaviours can have a considerable impact on how much energy is consumed. The Energy Information Administration reports that the average home uses approximately 1,000 kilowatt hours (kwh) each month. Kwh are measured by multiplying the number of 1,000 watts of electricity used by the number of hours the device is in use. Every appliance has a different measure of electricity usage. Here are some examples of common appliances in the home and how much energy they consume in one hour, courtesy of Bright Hub. Electric Clothes Dryer: 6,000 watts Washing Machine: 425 watts Refrigerator: 188 watts Dishwasher: 200 watts Central AC: 6,000 watts Window AC: 1,300 watts Flat Screen TV: 150 watts LCD TV: 213 watts Vacuum: 1,100 watts Freezer: 273 watts Water Heater: 473 watts Toaster Oven: 1,200 watts Coffee Maker: 1,200 watts Desktop Computer: 95 watts DVD Player: 25 watts Cable Box: 20 watts Laptop Computer: 50 watts 10
Selecting energy-efficient appliances and using them in a conservative manner can reduce energy usage and the cost of your monthly utility bill. Try to run high-wattage appliances during the evening or early-morning hours when energy rates may be reduced. Also, if the weather will be warm, running these appliances during cooler hours prevents the home from heating up even more -- possibly requiring the additional use of an air conditioner. Unplug appliances when they’re not in use to avoid vampire drain. Many appliances still draw a small amount of power even when turned off. Also, be sure to properly insulate and position appliances so they can run at the highest level of efficiency. Energy Audit You can request or hire individuals to conduct an energy audit or home energy assessment. According to BC Hydro, the audit will assess how much energy your home consumes and evaluate what measures you can take to make your home more energy efficient.
Sealing around windows reduces air leaks and saves you money in the process.
If you prefer to do an energy audit yourself, you can look at a few key areas around the home where there may be air leaks or inefficient uses of energy. First, turn off any combustible appliances, such as water heaters and furnaces. Make sure the windows are The Community Guide
July 2012
closed, then turn on exhaust fans in the bathroom and kitchen to suck the air out of the rooms. Feel around outlets, doors, windows, baseboards, fireplaces, and attic hatches for any apparent leaks. Use a stick of incense to easily see the flow of air in the incense smoke. If any leaks are found, address each one. This generally involves re-caulking or sealing around points of entry. Experts say the potential energy savings from reducing drafts in a home may range from 5% to 30% per year. Additional Steps There are other steps you can take to make a home more efficient.
• Plant bushes by the front door to act as a wind buffer. • Use skylights to add light and warmth from the sun to the home. • Think about using motion-activated lights in the home. • Install a new programmable thermostat. • Check the insulation in attics and basements and install new insulation if what you currently have is no longer efficient. Save energy and money by making easy adjustments and improvements around your house. TCG
• Install solar panels to draw power from the sun. • Plant deciduous trees or bushes on the south- and west-facing areas of the home. The leaves will shade the home during the summer months and fall off to allow sunshine in during the winter months.
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Elderly Especially
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Susceptible to the Heat
any people might choose a nice, hot day over a blustery, cold afternoon. However, excessively hot days can not only feel uncomfortable, but they can also prove lifethreatening. Elderly men and women, in particular, are susceptible to the effects of hot temperatures. According to the Centre for Chronic Disease Prevention and Control, people aged 65 and older are more prone to heat stroke and heat-related stress than those of other ages. Seniors’ bodies are not able to adjust to sudden changes in temperature as quickly as younger people’s. A chronic condition that affects the body’s response to heat, as well as taking certain prescription medications also may play a role in seniors’ susceptibility to the heat. A Health Canada report warns that a rise in heat waves will be accompanied by an increase in heat-related deaths, with the greatest risk to people aged 65 and older. Prolonged heat exposure can take quite a toll on the average person. Factor in the more delicate health of many seniors, and the hot weather can be quite dangerous. Further compounding the problem is higher energy costs. Seniors living on fixed incomes may not be able to afford to turn on air conditioners because of the power draw. There are different types of heat-related injuries, though heat exhaustion and heat stroke are the most common. Here are signs that a person may be experiencing one or the other.
Heat Exhaustion • Weakness • Tiredness • Heavy sweating • Paleness • Dizziness • Nausea • Vomiting • Fainting • Fast, weak pulse rate • Headache • Fast and shallow breathing
Heat Stroke • Extremely high body temperature
(over 40.6° C / 105° F)
• Red, hot and dry skin • Absence of sweat • Throbbing headache • Dizziness • Nausea
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The Community Guide
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What To Do Friends or family members should check in with an elderly relative or friend when the weather is especially warm to ensure they’re safely handling the heat. In addition, people of all ages can take the following precautions to keep cool when the temperatures rise: • Drink cool, non-alcoholic beverages. Water and diluted fruit juices can help rehydrate the body quickly. • Restrict physical activity. • Take a cool shower or bath or wipe yourself down with a damp cloth. • Seek an air-conditioned environment. For those who won’t or can’t turn on the air conditioning, visit a shopping mall or library to keep cool. Some towns and cities also make cooling centres available in extreme heat. • Wear lightweight clothing. • Try to remain indoors during the hottest hours of the day.
• Wear hats or use an umbrella to shield your head from sunshine outdoors. • Eat cool foods, but avoid extremely cold foods. Otherwise you risk the chance of developing stomach cramps. • Do not do laundry or turn on appliances that contribute to extra indoor heat. The heat is nothing to take lightly, especially when it comes to seniors’ health. TCG
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The Community Guide
July 2012
EVENT LISTINGS Summer Sounds Buskers Festival
Fab Forts Day
Saturdays, from July 2 – September 3 10:00am – 5:00pm | Downtown, Langley City Fraser Highway, between 204th and 206th Streets Expect to see everything from musicians to magicians!
August 18 9:00am – 5:00pm | Fort Langley National Historic Site Celebrate the building of a nation as Fort Langley blows off a cannon and fires historic weapons in memory of the War of 1812 two hundred years ago. Canadian forces and veterans receive complimentary entry for this event.
Brigade Days
August 4 – 6 9:00am – 5:00pm | Fort Langley National Historic Site Join HBC workers, Aboriginal traders, and trappers as they swap stories, play music, and show off traditional skills. The weekend features a large period encampment, and the arrivals of the fur brigades canoe re-enactment at 1:00pm Monday. As part of Parks Canada’s 2012 Bicentennial of the War of 1812, hear the behind the scenes politics that led to Fort Langley’s establishment and led to the building of the Canadian nation.
Art in the Vines: Langley
August 26 11:00am – 5:00pm Township 7 Vineyards & Winery (21152 16th Avenue) Save the date! Join us this summer at our South Langley winery for our annual Artisanal fair with over 40 artisans producing crafts, jewelry, paintings and local preserves/cuisine accompanied by live music of two local bands. Artists who are interested in selling their wares, please contact Gail or call 604.532.1766.
Arts Alive
Fort Farm Fest
August 18 10:00am – 5:00pm | Downtown, Langley City Langley will be the centre of attention for the arts community with this year’s ‘Arts Alive’ celebration. It’s a free, all-day celebration including non-stop musical performances, demonstrations and more.
September 1 & 2 9:00am – 5:00pm | Fort Langley National Historic Site Explore the heritage garden and feed the farm animals at this authentic Hudson’s Bay Company fort. Built in 1827, Fort Langley’s workers operated a 2000 acre farm. Watch our cooper make a barrel, the container of choice for exporting butter and potatoes! Compete in the farm relay and watch farm-related demos.
•Visual Artists and Artisans Exciting new work from the finest painters, potters, sculptors and jewelry designers. All of the excitement takes place on Fraser Highway between 204th and 206th Street!
Langley Good Times Cruise-In
September 8 8:00am – 6:00pm | Downtown, Langley City This event is attended by 50,000+ people! One of North Americas largest car shows, this event draws in participants from all over the world. Sponsorship opportunities available.
•McBurney Lane Stage 205th and Fraser Highway. •Arts Alive Showcase Stage 204th & Fraser Highway. •Children’s Fun Park Chalk art, face-painting, craft-making and lots more. Sponsored by the Langley Advance. •Salt Lane Showcase Live music, children’s activities, and more. Brought to you by the Salt Lane Businesses. •Twelfth Night By William Shakespeare Presented by Bard in The Valley Directed by June & Jacq Ainsworth 7:00pm in Douglas Park – Bring your blanket or chair. Contact reception@downtownlangley.com for more information.
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