Golden This Week - Feb. 11, 2016

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A beautiful sunset over Golden As the days get longer and spring gets closer, there will be fewer opportunities to enjoy the winter sunsets. How lucky we are to call this place home. photo by Megan Crandall

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facing a threat to their continued success.�

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himself used to describe the opera that confirmed his position as the preeminent Italian opera composer of his day. Met Principal Conductor Fabio Luisi leads the stirring score.�

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Tired of trips to the recycle depot?

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Petit Tournesol French Club a social way to learn the language

By Sarah Elizabeth Special to Golden This Week The sweet sounds of music, “en Francais,” can be heard behind the laughter of children as they play and create crafts during the Petit Tournesol French Club.

The French Club, held at the Golden Arena Lounge, is hosted by Claudine St-Cyr Premont who brought her passion for the French language when she moved to Golden from Quebec City in 2006. The club promotes experiences outside of the school environment that support and enrich the learning of the French language. Participants are provided with an opportunity to practise their skills and get a sense of the French culture through games, stories, songs and special guests.

Kids of all ages and their families - from Golden to those visiting here from as far as Vernon, B.C. - come together once a month, each month, from October to April. The French Club encourages kids to learn, practise and strengthen their French skills while having fun. There is even a cheese tasting and French conversation event that takes place at the French Connection cheese store. It is for everyone, including the whole family.

The Petit Tournesol French Club, which began as a summer camp, has become quite popular, something St-Cyr Premont says has been a driving force to the evolution of the club.

“Having a group outside of the school is a more social part of learning,” St-Cyr Premont says. “The kids learn through books and sentences and we create a circus-y atmosphere around that.”

Petit Tournesol has hosted a variety of events for club members, including “Circus Fun” with special guest Jocelyn the Clown, and face painting with Jennifay Daigneault for Halloween.

St-Cyr Premont says the program has been

Through her work as a tutor, and Coordinator and Facilitator of the club, Claudine St-Cyr Premont has built strong connections through the local schools and gained tremendous support of the International Group Parents for French and local French Immersion Programs.

Photo by Sarah Elizabeth. amazing in helping kids get ahead with their French skills, while also bringing parents together.

“The kids don’t realize they are learning French through the songs, stories, and simple games. I hear them talk about it,” explains St-Cyr Premont, adding, “I hear them say, ‘Yes, I’m learning French.’”

Through her work as a tutor, and Coordinator and Facilitator of the club, St-Cyr Premont has built strong connections through the local schools and gained tremendous support of the International Group Parents for French and local French Immersion Programs. Through the Parents for French group she received a grant this year to

help cover costs to bring in special guests. St-Cyr Premont says it’s a passion for her to work with the kids and to teach the French language.

“Everything evolved from beginning with a summer camp and tutoring a few kids, then I got more and more,” she says of the growth of the program, something that allowed her to quit her job two years ago at the Eagles Eye Restaurant and work at it full-time.

“In the beginning it was really hard. I wasn’t finding any grants, which was frustrating, but I thought, I’ll do it anyway,” she says of her love for teaching and working with the kids. With experience teaching French in Morocco for four

years, St-Cyr Premont explains the benefits of learning French allows for exposure to another culture and provides a gateway for those interested in travelling. It also helps as a platform to learn other languages. She notes there are many countries where people speak French.

“It’s not just in France and Canada. It’s in many parts of Africa, and Vietnam as well,” she says.

“Golden really needs it,” she says of the French club, adding, “Parents don’t want their kids to lose the language.”

The club has been highlighted in the newsletter of Parents for French, and Melanie Stonehouse who went to the club for the first time last week with her boys Henry, 6 and Peter, 5, says that speaking the language helps to get your brain going.

“It’s a very important program,” Stonehouse says, adding she will be attending with her kids as often as possible.

Soon after her first visit to Golden in 2006, StCyr Premont moved to the area to enjoy the local recreational activities including skiing, and biking.

“I thought the community was so nice, I thought I would give it a year and I stayed,” she says.

“I’m very grateful for this life.”

St-Cyr Premont says that on average, between 10 to 20 kids participate in the Petit Tournesol French Club. There is room for up to 30 participants. Kids aged 5 and up can have their parent or guardian preregister or they can dropin to the program. Kids 5 and under should be accompanied by a parent or guardian. Fees apply.

For more information on the Petit Tournesol French Club and cheese tasting and French conversation events, please contact St-Cyr Premont at 250-272-0062 or email her at enfrancais@mail.com. She is available to help folks of all ages learn French through tutoring and takes students from all levels of learning.

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Something special for your Valentine at

Director’s Report - Online survey available to residents

Signature Clothing

Submitted by Karen Cathcart Director, CSRD Area ‘A’

506 9 Ave N, Golden

(250) 344-5365

DID YOU KNOW‌

Contributing to your RRSP is a great way to plan for retirement and pay less personal income tax.

We offer RRSP loans at Prime rate.

(250) 344-2282

Giving back to our members and community

of the Capacity Building Needs Assessment project will be a community visioning TFTTJPO 5IJT XJMM IBQQFO JO UIF TQSJOH 5IF PO MJOF TVSWFZ BEESFTT XXX surveymonkey.com/r/CSRDAreaA 5IF PO MJOF TVSWFZ DBO BMTP CF BDDFTTFE by visiting the CSRD website: www.csrd. “The survey is another bc.ca and click on the Area A page. communication tool to hear from the Please contact me or the CSRD if you residents. The data will be reviewed would prefer to receive a paper copy and and added to the community we’ll be happy to send you one.

Watch for the article next week on: How consultation data received. At a later your regional government is working for date, I will schedule a Community you!

Open House to report back to the If you have comments, feedback or residents.� suggestions, please contact me: Karen Cathcart 5IF TVSWFZ JT BOPUIFS DPNNVOJDBUJPO UPPM UP IFBS GSPN UIF SFTJEFOUT 5IF EBUB XJMM Director – Area A 250-344-8357 be reviewed and added to the community 250-238-2226 consultation data received. At a later date, I kcathcart@csrd.bc.ca will schedule a Community Open House to CSRD: 1-888-248-2773 SFQPSU CBDL UP UIF SFTJEFOUT 5IF mOBM QJFDF available to residents until Feb. 19.

I heard from residents that didn’t attend the community consultation meetings that they wanted another way to engage with their regional government and to be able to participate.

My first year in office was about engaging Area A residents. We took the data from those 7 months of community consultation and created a survey capturing UIF LFZ JTTVFT BOE PQQPSUVOJUJFT 5IF survey was released this week and will be

Did you know? Some fun facts about utilities in Golden Submitted by the Town of Golden It’s the time of year when you may notice your utility bill has arrived and you might be thinking, “Just exactly what am I paying for?�

We hope to shed a little light on this with some facts about water, sewer and waste collection services in Golden.

Water services: Did you know: Golden’s water is so good that we don’t have to treat it the way some other centres do! Our water comes from a groundwater aquafer. Aquifers can be natural filters that trap sediment and pathogens to provide natural purification of the ground water flowing through them. In Golden’s case, our water quality is excellent and doesn’t require filtration or chemical treatments to remove contaminants. t 5IFSF BSF mWF HSPVOEXBUFS XFMMT XJUI a combined total pumping capacity of 125 Litres per second. t 5IFSF BSF mWF SFTFSWPJST XJUI B UPUBM storage capacity of about 6.96 Mega Litres. t 8BUFS JT EJTUSJCVUFE UP UIF DPNNVOJUZ through about 39 kilometres of water lines. t (PMEFO T XBUFS JT OPU SFRVJSFE UP CF continuously disinfected, though chlorine is added on occasion when the Public Works team is performing maintenance on the system.

t 0VS 0QFSBUJPOT %FQBSUNFOU XPSLT hard to protect our water with a robust and ongoing groundwater protection program.

Sewer services: Did you know: t (PMEFO IBT BCPVU LJMPNFUSFT PG TFXFS lines. t 0VS DPMMFDUJPO TZTUFN IBT UIF DBQBDJUZ UP process 4251 cubic metres per day. t 8JUIJO UIF DPMMFDUJPO TZTUFN XF IBWF TJY lift stations and a sewage treatment plant.

“The cost of curb-side collection services is roughly $175 per year, which you pay through your annual utility bill.� t 0VS USFBUNFOU GBDJMJUZ XBT NPTU SFDFOUMZ upgraded in 2004 and will receive more upgrades in 2016/2017 thanks to a grant from the New Building Canada Fund Small Communities Fund. t 5IF FGnVFOU USFBUNFOU QSPDFTT JODMVEFT UV disinfection - ideal for wastewater since it is a chemical free process. Because of our environmentally sound treatment processes, the facility discharges very high quality effluent. t 8F DPOTJTUFOUMZ NFFU PS FYDFFE QFSNJU

requirements for effluent that we discharge to the receiving environment.

Curbside garbage collection and recycling services: Did you know: t (BSCBHF HSFFO CJO QJDLVQ PDDVST weekly and a Curb-side Collection Calendar is included with your annual utility bill. t 5IF DPTU PG DVSC TJEF DPMMFDUJPO TFSWJDFT is roughly $175 per year, which you pay through your annual utility bill. For this, you get weekly garbage and bi-weekly recycling pickup and standardized town-owned bins.

Your annual fee also includes an annual contribution to a reserve fund for eventual bin replacements. t (PMEFO NBOBHFT JUT SFDZDMJOH XJUI the Multi Material BC program. MMBC is the organization that holds contracts with municipalities and Regional Districts to facilitate curbside recycling services, depot services, and transport of accepted materials back to large recycling facilities. t *U T ..#$ UISPVHI BO BQQSPWFE .JOJTUSZ of Environment Stewardship Plan that determines what can be recycled, not the 5PXO PG (PMEFO 5P MFBSO NPSF BCPVU ..#$ visit their website at www.multimaterialbc.ca. t :PV TIPVME IBWF BMSFBEZ SFDFJWFE ZPVS annual utility bill in the mail. If you have not, QMFBTF DPOUBDU UIF 5PXO PGmDFT BU 2271. Due date for payment is March 31, 2016.

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Introducing Nourish Clinic to a harmonious body. “The entire body, if adequately nourished, functions to maintain, repair and heal itself.” Magoun

by Liza Hindmarch Special to Golden This Week

Massage Therapist Nathalie Bertrand: (250) 439 8479 www.nourishclinic.ca welcome@nourishclinic.ca 806 Park Drive, Golden BC Holistic Life Coach Liza Hindmarch: (250) 344-5206 liza@munayholistics.ca www.munayholistics.ca Nutrition Consultation Judith Thibault: (250) 344-7066 judith@nourishclinic.ca Energy Healing Practitioner Randa Sultan: (250) 344-1747 sacredprana@gmail.com www.sacredprana.com Osteopathic Manual Practitioenr Mark MacKenzie: (250) 939-8137 RockyMountainOsteopathy @gmail.com www.rmosteo.ca Massage, bodywork, yoga Kerri Lautamus: (250) 439-8035 kerrilautamus@gmail.com

1. So Nathalie, Nourish Clinic is your brainchild….do tell us all about it and what inspired you to bring it into creation?

I am a firm believer that working collectively with other health practitioners creates a better chance for an individual to have their needs for healing met more fully. It also creates huge support for each other as practitioners, bringing in new perspectives and the opportunity to learn from each other. I wanted to create a clinic which offers people healing that focuses on getting to the core of a problem so as to break patterns & move past the compensatory ways our minds, body & spirit hold us stuck, so as people can find a more healthy equilibrium. My intention is that Nourish Clinic brings support so as people can heal on all the levels needed. One person can do lots to change the world and collectively we can create miracles! We have a practitioner to support you at each level.

2. What are your hopes for Nourish Clinic as it flourishes and nourishes people of Golden?

My ultimate goal is that we, at Nourish can offer a space where people can come and find their way back to equilibrium. Our body’s pain is its language for help to restore imbalance, whether it stems from physical or from our energetic realms. When our bodies can’t compensate anymore and the timing feels right, I am thrilled to offer a space at Nourish Clinic where people can come and unravel the causes of the problem.

3. What is the modality you offer to Nourish clients?

Right from the moment I started working as a physical therapist I was able to feel restrictions and pulls in people’s bodies. Gifted with listening hands, my wish has been to put it to work in genuine service to reverse discomforts and dis-ease. I have dedicated

myself to not only help reduce pain and discomforting symptoms, but aim to break through the cause that creates it. I recently have engaged as a student at Canadian Osteopathy College to better serve you. I believe in working at the core, thus explaining the name I like to associate with my work, Core-Relation Therapy. I welcome all those that have lived their lives with pain, whether it is your back, head, neck or joints that gives you grief. I can help or direct you to the best direction of healing!

4. What is osteopathy and how does it differ from chiropractors?

The mistake most often made by people when they hear the word osteopathy is to relate the word osteo and bones, the word osteon which in latin refers to living cells.

Osteopathy deals with all living cells in the body. Alignment of bones, organs, and their fascia and cells are restored. With the osteopath’s advanced fine palpation skills, each structure is assessed individually. The osteopath listens to find out how structures live on their own. Once the problem (what an osteopath call a lesion) is normalized it then exists in all of its motility, therefore serving and nourishing all adjacent tissues optimally leading

5. Tell us a little bit about yourself and what brought you to Golden?

I’m an outdoor enthusiast and life seeker ! I was drawn to the Kicking Horse to live out my passion for rivers where I was a raft guide for a short decade. I fell in love with nature and all the ways she invited me to playing outdoors.

Another big part of why I made Golden home is how the community felt right from the get go, thank you all for your trust and to your warm souls! I worked as a massage therapist in a rehab center in Montreal for 6 months and thought I’d never give another massage again! It is a different matter in Golden where the community in general is so much more uplifted. People are alive here and want to heal!

“A huge soulful thank you to our friends from Element Therapeutics for their warm welcome. We are all excited to join force and resources for the community !”

Look out for Weekly News coming from Nourish Clinic!

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Feb. 13th 25 years later Janet Crandall-Swaffield Publisher

In a few days it will be Valentine’s Day. Some love it, others not so much.

I have lots of good Valentine’s memories throughout my life, but one sticks out for sure.For me, it’s Feb. 13th that is an important day. This year it will be 25 years ago that I met my husband Steve. Wow, 25 years seems like a really long time, but looking back, much of this seems like only yesterday!

I was a college student working at a local Greek restaurant, The Pillars.

Having taken a year off after my freshman year, I needed some time away from school.

He was a CPR worker - a welder - on the afternoon shift at the local brake shop. He had a mustache and a fancy red car. He would come in to the restaurant with his friends - Troy van den Bilche, Barry and Jerry Delyea - a group who were always way too happy to hassle us girls working in the restaurant.

I remember it (I’m sure we didn’t mind!). He always ordered pepper steak. (Believe me, nobody clearly, him sitting makes pepper steak like a Greek chef.) there - grinning I worked with Janet Ingram (Sutherland) like he had just and he worked with her sister, Lori swallowed a canary Sutherland. I recall Janet saying to me - wearing a striped one day, “Lori has someone she wants you shirt, with the top few to meet.� (Eye roll.) I probably thought to myself, ‘oh brother, a blind date.’ But to be buttons open, he was honest, it was nice to be thought of that way all very cool.� and so I agreed to play along.

I remember it clearly, him sitting there grinning like he had just swallowed a canary - wearing a striped shirt, with the top few buttons open, he was all very cool.

One thing led to another I suppose, and after what should have been a quick first date at Humpty’s, it was easy to see that we clicked. I guess sometimes you just know. (I think he knew before I did, just sayin’.)

He did plant a kiss on me outside in the parking lot, and while I thought that was pretty forward of him, he said to me “When I see something I like, I go for it.� And there you have it. Funny the things you remember.

The next day, he took me to lunch at The Turning Point Restaurant. I’m sure he held my hand, it was all very exciting.

Who could have known way back then that we would still be together so many years later. So many chapters in our story, both good and bad, as is true I’m sure for many people. How many times did we break up and get back together before we eventually got married? Holy moly. Probably too many to count. I went away to school, he did too. Here and there and back again. I went overseas to work, he came home and went back to work for the railway. Two kids, one guinea pig, several homes, different careers, it’s all part of those 25 years that brought us here to where we are today.

Happy Valentine’s Day, Mister. Here’s to another 25 years!

“

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Meet Elliot Campbell, of Golden’s EZ Rock

A perfect day at Kicking Horse

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Vacationers and residents alike enjoy a midweek run at Kicking Horse.

“I love talking - I’ve known that since I was a little kid. I loved drama class, performing and telling stories. I was a big fan of CBC radio.

I loved Talk Radio a ton, which might be weird for a little kid, but I loved it so much I wanted to do radio,� Elliot explains.

See story, page 3.

Inside:

Photo submitted.

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Financial literacy for families Francis Bowlby, age 4, seen here at a dinner event for families.

This particular section is where they share tips for financial literacy in an ongoing series entitled Family Dinner Play and Learn (FDPL), a program funded by Columbia Basic Alliance for Literacy (CBAL).

See story, page 3.

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email: publisher@goldenthisweek.com

Advertising deadline is Wednesday at noon. Contact info: Published every Friday.

Box 131, Golden, BC V0A 1H0 FREE distribution in high traffic areas in (250) 344-8137 town and on the Trans-Canada Highway.

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Page 7

An open house makes our day brighter

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TA K E T H E WE AT H E R B Y S T O R M The most popular gear for both men and women

Golden Farmers Market

Valentine’s Day Faire

• Saturday, Feb. 13th 11am - 3pm at the Rec Plex • Admission by donation • Music by Kooteney Legends • Thanks to funding from the CSRD EMPLOYMENT OPPORTUNITY Golden Community Resources Society Child Care Program is seeking a creative, energetic, team member to facilitate the StrongStart BC early learning program at Alexander Park Elementary School. +PC 5JUMF

StrongStart BC Facilitator

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Job Summary: Oversees the day-to-day operations for the StrongStart BC program and ensures that goals and objectives of the program are met. The StrongStart BC Facilitator is responsible for creating and facilitating a program environment where parents and caregivers participate alongside their children in an interactive, play based setting.

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Tom King on The Story of Golden, published in 1963

by Duane Crandall Special to Golden This Week

The writings of Tom King, as published in his book “The Story of Golden,� written in 1963.

Continuing on in the series of writings, here is the next section: “Mac and Fred Mitchell had the next place, just recently taken up, and where they lived for many years, keeping a stopping house ’til such became a thing of the past from the advent of the railway through the valley and the common use of the automobile. They served extra good, clean meals but seldom needed to put anybody up for the night, catering mostly for meals. There was no bachelor-housekeeping smell about their home. Mac did the cooking and Fred did the outside work. They were very gentlemanly fellows who later fell heir to a lot of English money and moved to Golden. Mac died about three years ago in St. Mary’s Home in Nelson and Fred still lives there.

The next settler was Mr. Ed Watkins, who developed a comparatively big acreage of cleared land and kept a lot of cattle. One son, Charlie, continued on the place and was also a successful beef cattle operator. Another son, Lloyd, has a farm a little farther south which formerly belonged to his elder brother, John, who passed away many years ago. This place was originally taken up by an Englishman whose name I will withhold, who sold it for $4,000 cash and went to Vancouver. Instead of placing the money in the bank, he kept it in his pocket with which to four-flush, but within a few nights he went to Dupont Street, where women were then allowed to carry on their ancient trade unmolested. When he awoke in the morning, the girl and the money had disappeared and neither was ever located.

On the old road past this place, as it turned down “Dead Man’s Hill� to a small creek of the same name, is a little pole-fenced grave where

the remains of a man who was murdered were buried. A suspect was tried for the murder but not found guilty. Mr. Moses Kinbasket, of the Shuswap Indian tribe, told me many years ago they had the right man but could not prove it.

Mr. George Mitchell had been a few years out from England at the turn of the century and had taken land a couple of miles off the main road and nearest to the Watkins farm and his uncle’s place, Mr. Alfred Mitchell. Their two sons, Hector and Robert successfully continue the farm operation as well as being interested in other activities. The former has a saw mill and the latter is a big game guide.

At the 57 mile, and picturesquely settled on North Vermillion Creek Dave Morman had a holding used mostly for stoppers. This place is a little isolated now as the development of Highway 95 has made a big fill across the creek valley to save turns on the road and going down one hill to close by go up another.

Down the creek a short ways was a farm owned at my coming by the Elk Park Ranching Co. and known as the “Lower Ranch.� Luxor siding on the K.C.R. is now on this place.

Next place, and about the 62 mile, was a fine farm owned by Mr. Dave Armour who, when I arrived, was in Alberta but later returned, operating it for a while and then selling the place to Mr. Eric Smith and it is now owned by Mrs. George Tegart.

The ranching company above mentioned had also recently acquired the Mackay farm, now a Kirk Christmas tree property. The Mackays had made a grand place out of their holding and some people in Truro, N.S., who formed the company to take it over, had dreams of a financially successful operation. They kept Mr. Jim Mackay on as manager and sent out at least six or seven young fellows to help work on it. But it was disappointing to the shareholders and was sold back to Jim Mackay, his brother, Shan, having in the meantime, been drowned taking a scowload of cattle down the Yukon River, the destination being Dawson City, the then booming gold mining town of 10,000 people. The scow upset with everything on board being a total loss.

Jim was a going concern, but quite a risk taker. At one time reported worth $300,000.00, not much of it was left at his demise on a mountain trail near Revelstoke where he had been to examine a mining prospect. He was active in developing many propositions in the valley and other sections of B.C. and was one of the outstanding citizens ever to live in the Columbia Valley and it was appropriate that he die in harness.

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“A suspect was tried for the murder but not found guilty. Mr. Moses Kinbasket, of the Shuswap Indian tribe, told me many years ago they had the right man but could not prove it.�

He married a Golden girl, Annie Harper, in the summer of 1899 or 1900 and when I saw her at the Lake Windermere District Fair in 1960 she looked astoundingly well for the years she had attained by that time. Two of their sons are now resident in the Valley, William and Gordon. The former, a retired R.C.M.P. sergeant, the latter a big game guide. Two daughters are in California and the elder son, Harold, followed the mining industry for many years in the Boundary Country.

I knew two sisters of Shan and Jim, the younger one was Hattie and the elder was Mrs. McNeill, who had three children — “Billie’, who died about three years ago at Haney, B.C. after a very successful career as a big game guide, and a daughter, Pearl, and another daughter, Sarah, from a succeeding marriage. I knew Billie well as a young fellow, and all through his life, but I lost so much by not being much more than an acquaintance of Pearl until a few years ago. She is one of the most charming ladies it has been my privilege to know. As a

letter correspondent, she expresses herself so uniquely that I get pleasure in reading some of the paragraphs several times. She also has a great sense of humor and altogether is a very interesting person. She married a gentleman, Mr. Montford Kelly, who came to Invermere to be secretary or an office accountant for the Columbia Valley Irrigated Fruit Lands Co., but later they lived in Banff and Calgary. I am sure Mr. Kelly has lived an enchanted life with such a lady. And for him, afflicted as he has been with blindness for several years, he is always cheerful and as useful as possible under his handicap. Through radio and his wife reading papers, etc., to him, he keeps well abreast of current events and is good and interesting company. I would judge his age at time of writing to be around 85 years —Pearl, now about 78 — but has a mind and movement of many years less.

Mrs. Kelly’s mother owned over 200 acres at the junction of Highway 95 and the BanffWindermere road which she endeavoured to sell me many times for $1500 but I was not clairvoyant enough to see into the future. For years now business lots have been selling there for up to $3500 and residential for $750.00.

Still, even with not making such financial gains, because we can’t see into the future too closely, it is well we can’t or we might at times feel like a condemned prisoner in his cell with his last day set.

Billy Palmer from New brunswick had taken up a nice piece of land as the next settler.

This was on Stoddart Creek. He was machine operator on the highway as well in his latter years. He married a Kinbasket of the Shuswaps and had several daughters.

The story was told that, in a letter he received from his father some while after his marriage, that he’d be arriving at Golden on a certain date on his way to the coast to go up the valley to visit him and his family. Not wanting his father to learn he had married a Shuswap lady, and having only heavy work horses, he started almost immediately for Golden as, there being only a weekly mail service, the letter was long in reaching him and the father was due in two days later. He walked all through the night, not stopping except to eat lunch he carried with him, to meet his father as he arrived in Golden and tell him a story about having to leave his home for a few weeks, so as to have the father continue his journey on to the coast and not learn that he married outside his own race. ... Continued next week

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Ice Cream for Breakfast: Free pass

by Sarah Elizabeth Special to Golden This Week

It was supposed to be the best weekend ever; full of shopping, learning and eating yummy food.

Momma was getting her free-pass weekend to the big city. Time to spend alone, rejuvenating. It was easy to find the residence I was staying at, almost too easy. Staying at a university hotel run by students was an interesting choice, but since it was my big weekend away, I was open minded and excited about being in an environment of higher learning.

I checked in on a Friday night, after regular desk hours, so I called the on-call student workers. They were very professional and helped me find my room. There was an odd smell when we got off the elevator on the second floor, but since I wasn’t born yesterday, I had come prepared for that with a bottle of scented spray.

The room was beautiful. As a sleep deprived parent to a 2.5 year old, a Queen sized bed with four pillows all to myself was a dream come true.

I even lucked out with a bathtub to soak my weary Mom feet in.

Since I arrived late at night, I ordered food online from the only place advertised as still open, a Pizza Hut. To make it super easy I ordered delivery. Since I was in the residence, there were no buzzers and no way to get a hold of me, so I knew it would be a challenge for the delivery driver to find me. Therefore, I gave my phone number to where I was staying, with special instruction to call and I would come and meet them at the front door.

As the time of delivery got closer I realized I gave them the wrong phone number to call because the front desk at the Student Hotel was closed. Oops. I tried to correct the mistake by calling the phone number provided. It was kind of like how the show America’s Most Wanted reincarnates a phone call to 911 - complete with the scratchy, noisy background. A man answered on the other end and asked me for my phone number and location. I gave it to him. He tried to transfer me to the store where I ordered from, but there was no answer. I started to panic. I headed downstairs to wait outside for my dinner. As I waited, students from the university walked by me, laughing as they returned home from a night out; some were stumbling, some were singing. I continued to wait. I tried to call the number again to connect with the store I had ordered from, but there was no answer. Since the delivery time was long past I decided I would drive to the store.

I grabbed my purse and car keys and took the

Sometimes the craziest accidents make the best stories. Photo by Sarah Elizabeth. elevator down to the lobby where I found a girl scrambling to put her items back in her purse after they had fallen out all over the floor. I offered assistance and helped her gather her items. I handed them to her as they fell back in her purse and then I went excitedly on my way. Dinner was going to be in my belly soon and I could hardly wait.

As I walked to my car, which was located about three blocks away I started searching my purse for my car keys. It was dark and my purse was full, so I scrambled and scrambled. For a moment I stood on the side of the street looking out at the road, confused as to why they were so inaccessible. A man drove by, slowed down and moved on. I wondered if I looked like a “working girl” standing on the side of the road the way I was, which brought my attention to the fact I was in a big city, alone and breaking all of the rules by not having my keys already in hand before

I reached my car. Still hungry and starting to feel vulnerable, I searched my purse again, but they weren’t there. They weren’t in my pockets either. I started to walk back to the lobby where I helped the girl who dropped her purse. She had been talking on a cell phone about going to an after party. When I got to the lobby she was no longer there and I was certain I gave her my keys and they dropped right into her purse – a fluke accident if ever there was one.

Still hungry, I went back up to my room to call the pizza place, but it was past business hours and they were closed. I’ll never know if they came or not. As I ordered a sad bag of mixed nuts from the vending machine in the lobby I watched as a group of students receive a pizza from the front door. A girl asked her friend, “Have you ever had this pizza? It is so good.”

The workers at the student hotel tried to help me find my keys by checking the security

cameras to see if they could identify the girl I helped in the lobby, they spent the entire day helping me, but to no avail. I called a locksmith.

While waiting for him to cut me a new key he offered me to wait in his car where it was warm.

I opened the car door to find his sleeping friend in the passenger seat. Afraid I would startle her, I opted to wait outside of the car.

While technology failed me in ordering dinner on that fateful Friday night, it saved me when the locksmith used codes to make me a new key the next day. And since it was such a weird situation I thought I would share it with you. You just can’t make this kind of stuff up.

The city can be an overwhelming place, but depending on how you look at it, there are pockets of community and helpfulness, whether you take it or leave it is up to you.

I still got to have a full nights sleep and that was the bomb.

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Brighter Life: How much retirement income will you need?

by Dave Dineen, It’s a Brighter Life.ca

One of the most important things you need to determine when saving for retirement is how much money you will need to live on when you retire.

How much retirement income will you need?

Half a lifetime ago, my friends and I all seemed to be struggling with the question: “Is this the right career for me?�

These days, for people of my vintage, the questions have changed. Now, I often hear: How much money is enough to retire on?

How long does my money need to last?

The 4% rule You may have heard of the “4% rule,� a rough guide for making your retirement income last for 30 years by drawing down only 4% of your savings each year. There’s controversy about whether it will work in the future: The rule was developed in an era of higher interest rates, when you could expect higher returns from the fixed-income portion of your portfolio, and it doesn’t allow for different income needs at different stages of your retirement. Even right now, I can tell you two of its shortcomings: It doesn’t tell you if you’ve saved enough money to retire on (i.e., you may not be able to live on 4% of your savings per year).

It doesn’t tell you how long you’ll live, which drives how long your retirement income needs to last.

So I asked Sun Life Financial advisor Andrew Wilkin,1 from Waterloo, Ontario, how to find answers to these tough retirement questions.

How much income will you need? “If someone is trying to find out how much income they’ll need in retirement, the first thing to understand is how much income they need today,�

Wilkin says. “I’m a financial planner, so I ask people about their finances. Usually, people know how much money they make, but they can’t tell me how much they’re spending.�

So, before calculating how much retirement income you’ll need, he suggests you start by tracking how much you’re spending today – and what you’re spending it on. Ideally, do that for a year or two.

But if you’re forced to retire by poor health or job loss before you can do any long-term tracking, Wilkin suggests you do the next-best thing: Use recent bank statements, credit card statements and receipts for contributions to RRSPs and taxfree savings accounts (TFSAs) to get a summary of how you’re spending and saving.

Next, adjust for what you expect will change

once you’re retired. For example, you might save $100 in gas and $50 in car insurance a month when you no longer commute to work. You’ll probably spend less on clothing as well. If you play golf or like to travel, you’ll probably spend more on those things. And if you’re like me, you’ll want to eat out more.

Once you estimate how much income you’ll need in retirement (Sun Life’s Retirement savings calculator can help), a financial advisor can help you consider how a variety of other factors could affect your situation, such as inflation, expected investment returns, your tolerance for risk and how your money is invested today. This annuity calculator will give you an estimate of the guaranteed retirement income you could have with an annuity.

How long does your money need to last?

Nobody knows for certain how long they will live, but factors such as sex, current age, weight and activity level can be used to produce a rough estimate. Sun Life’s Life expectancy calculator is just one of many free longevity tools available online.

Here’s an important note: The calculator will give you a number for the average life expectancy for someone in your situation, but you still have a 50/50 chance of living longer than that. Personally, I’d never accept a 50% risk of running out of money! Also, if you have a spouse or partner who survives you, remember that your money needs to last as long as your partner’s lifetime.

How an advisor can help Before I retired, I led Sun Life’s market research department and learned a lot about what Canadians already retired and near retirement value or fear about retirement.

So I wasn’t surprised when Wilkin told me that when he works with people planning to retire, he calculates their basic ongoing living expenses: food, accommodation, taxes, basic transportation, etc. Then, he recommends combining income from guaranteed products such as annuities, GICs and segregated fund products with payments from the Canada/Quebec Pension Plan, to ensure that money will never run out for those basic living expenses. Next, he recommends other ways to create retirement income intended for discretionary expenses or lifestyle choices such as leaving an inheritance, renovating a home or travelling the world.

In their youth, most people shy away from talking about their money or their mortality. But Wilkin says those planning for retirement are more open to discussing such taboo topics. Is it time for you to break a taboo and get answers to your retirement questions?

Shannon Hood Financial Services Inc. "

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