26,14

VOLUME 11.14

Medicine Shoppe pg. 6 When MP’s Cower pg. 23 Coverage of Medicine Hat’s First Couture Fashion Show pg. 25

DAN REICH An Alberta Success Story 1 Photography by Joan Bateman Gainsboro Studio

Christmas Wishes

Tumbleweeds RESTAURANT

Lunch Greek Night Monday to Friday Sunday and Monday 11:30am - 2:00pm

Mitchell St. Liquor Store #2, 631 South Railway Dr. NE Redcliff • (403)548-0044

A Wide Selection for Every Occaision!

THIS ISSUES Private Function, Birthday or Special Event Today!

CONTENTS

Cover Photo Credit: Gainsboro Studio - Joan Bateman for our special guests 55 plus

value features delicious meals made just for you

Metz Ins Agcy Ltd Crystal Metz Ins Agcy Ltd Metz, al MetzAgent Ins Agcy Ltd Crystal Metz, Agent Trans Canada WayTrans SECanada Way SE al Metz, Agent2-1335 Medicine Hat, AB T1B 1J1 ne T1B 1J1 35 Hat, TransAB Canada SE Bus: Way 403-526-1345 3-526-1345 cine Hat, AB T1B 1J1 State Farm, Aurora, ON 1211999CN 403-526-1345 Aurora, ON

Page 6

When Is It Time to Make Portfolio Changes -Edward Jones

Page 17

Personal Tax Calendar Page 22 -Dan Hein Dinner salad or cup

2301 Trans Canada Way Southeast of soup just $2.49 ith

rm, Aurora, ON 9CN

Cherie Martens i ense

Owner/Business Manager

2

A Alberta Success Story -Scott Cowan

a es

r

essi na

té

Earnie Taylor er i e Manage r

When MP’s Cower - Scott Cowan

Page 23

Collecting Section Seven Expenses -Scott Stenbeck

Page 19

Government Action Plans Page 21 -LaVar Payne, MP

SPOTLIGHT MAGAZINE

EDITOR SCOTT COWAN (403) 504-7092

PHONE (403) 504-7092

ART DIRECTOR JOAN BATEMAN

info@spotlightmagazine.ca

SALES OREST TKACHYK (403) 878-3260 DESIGNER CARL GEORGE

EMAIL

ADDRESS 377 - 4 Street SE Medicine Hat, AB T1A 0K4 For a complimentary subscription to Spotlight, forward your email to:

info@spotlightmagazine.ca

Published and Printed by Spotlight Magazine

Disclaimer: No responsibility can be taken by Spotlight Magazine for any errors or omissions contained herein. Furthermore, responsibility for any losses, damages or distress resulting from adherence to any information made available through this magazine is not the responsibility of Spotlight Magazine. The opinions expressed are those of the authors and do not necessarily reflect the views of Spotlight Magazine. Comments are welcome.

Medicine Hat New York Style Couture Fashion Show Pages 25 - 30 3

You have lots of priorities and ideas for making the most of life. Let’s start bringing your retirement strategy into focus.

We will review: • Your savings strategy to help you reach your retirement goals, including how inflation can affect your retirement plans

Opening an Edward Jones Registered Retirement Savings Plan (RRSP) and/ or Tax-Free Savings Account (TFSA) is a great start.

• Y our risk tolerance and investment strategy that helps you meet your short and long-term goals An Edward Jones Advisor can help you take simple An Edward Jones Advisor can help you take simple steps today to help you get ready for the future, and steps today to help you get ready for the future. develop an investment and savings strategy that helps you achieve your goals.

Let’s set aside som e tim e to review your retirem ent strategy. Call today.

Jackson D Woodruff Financial Advisor

www.edwardjones.com

Member – Canadian Investor Protection Fund

.

2 B-40 Strachan Court S E Medicine Hat, AB T1B 4R7 403-504-0550

4

IRT-8194-C-A2 NOV 2013 © 2013 EdwARd JONEs. All RIghTs REsERVEd.

5

D

an Reich featured on our cover this month was born and raised in our Province. Spotlight is pleased to report he was the recipient of the Professional Achievement Award in 2012 & 2013, and is a finalist for 2014. This prestigious accolade is awarded annually in recognition of outstanding service or contribution to the advancement of pharmacy. This achievement is awarded at the National Medicine Shoppe Pharmacy Convention. The Medicine Shoppe brand includes 200 pharmacies across Canada.

Dan graduated in 1995 from the University of Alberta. He pursued further education becoming a student after 19 years, reaching for his Doctor of Pharmacy through the University of Florida. Currently Dan is the owner/pharmacist of Medicine Shoppe Pharmacy in Medicine Hat. He shares responsibilities with co-owner and pharmacist Allana Scott, co-owner for 9 years. The Medicine Shoppe is certified in the Province of Alberta to inject medications and vaccinations. This is not the case with every one of his competitors. Talking with The Medicine Shoppe I discovered Dan also has received additional prescribing authority to initiate previously undiagnosed drug therapies.

This provides clients with a lot more than, “just a drug store.” Medicine Shoppe is conveniently located in the Carry Drive medical clinic. This allows prescriptions to be filled in a one stop shop scenario. Who wants to go elsewhere when not feeling your best?

I

f you’re considering a trip to Africa, the Far East, or a tropical rainforest, you for sure want to receive the proper immunizations. Medicine Shoppe is the only pharmacy in our area that has received a certificate in Travel Health.

This designation is awarded by the International Society of Travel Medicine. Allana has now received this designation to better serve clients. She takes a special interest in adventure and wilderness medicine. For example Mt. Everest treks. Medicine Shoppe specializes in on one counselling regarding areas of the world where real health dangers exist. Keep in mind while on a cruise excursion, a vaccination can save your health. We rely on the sanitary conditions on board. While forgetting we get off the ship in some exotic or threatening environments.

F

or those squeamish about injections, you should know Medicine Shoppe has also earned a certificate in patient care skills. This designation is awarded by the Canadian Pharmacists Association. Based on the abundance of certifications and educational awards, Medicine Shoppe has been the designated site for two provincial pilot projects. The first project being the collaboration of pharmacist’s prescribing with physiotherapists, for pain management. The second pilot designated being the Alberta Pharmacy Practice Models Initiative. This was the basis for the new funding model for pharmacies across the province. They are also the study site for pharmacist prescribing for hypertension in rural communities. These and numerous other reasons led to Medicine Shoppe becoming a participant in university of Alberta study on pharmacist prescribing practice views. Medicine Shoppe specializes in pain management, hormone replacement therapy and is certified by the University of Florida in both disciplines.

M

any suffer from smoking addictions, starting from their youth till today. The good news is that Dan is an instructor for Catalyst (Smoking Cessation in Everyday Pharmacy) training pharmacists and pharmacy students in Alberta. If you need help quitting, give Dan a call.

Medicine Hat has a large retirement community. It is very good news that The Medicine Shoppe provides continuing education to pharmacists, nurses, and physicians on Anaphylaxis, adult vaccinations and cold and flu prevention.

S

potlight was thrilled to learn of a local business, and success story, offering the community such excellent service and quality of care. Moreover, we feel delighted to share with our readers the valuable information about these and other such leaders in our city.

6

Photo Credit: Joan Bateman - Gainsboro Studio

7

Quality, Restorative & Cosmetic dental care Stress-free, with a relaxed atmosphere.

Comprehensive Adult & Children’s Dentistry • Orthodontics • Dental Hygiene • Local Surgery Available • Dental Benefits Accepted • Implants, TMJ • General Anesthetic • Crowns & Bridges & Cosmetic Treatment Quality, Restorative dental care

Bringing Healthy Smiles for Over 30 Years Quality, Restorative & Cosmetic dental care We offer more options than you ever dreamed possible with today’s dentistry Stress-free, with a relaxed atmosphere.

Stress-free, with amaterials relaxed using advanced and atmosphere. techniques

Comprehensive Adult Comprehensive Adult & & Children’s Children’s Dentistry Dentistry

•• •• • • • •

Orthodontics Orthodontics Local Surgery Local Surgery Available Available Implants, TMJ Implants, TMJ Crowns & Bridges Crowns & Bridges

•• •• ••

Dental Dental Hygiene Hygiene Dental Dental Benefits Benefits Accepted Accepted General Anesthetic General Anesthetic Treatment Treatment

We offer more options than you ever dreamed possible with today’s dentistry We offer more options than you ever dreamed possible with today’s dentistry using advanced materials and techniques using advanced materialswww.CrestwoodDental.ca and techniques 200 – 1899 Dunmore Road, SE Medicine Hat, AB T1A 1Z8

8

Phone: 403.526.0777 Fax: 403.529.2137

Toll Free: 1.877.526.0777 smile@crestwooddental.ca

Few dental practices offer patients the complete range

9

Sun Country Nissan 1750 Gershaw Drive Medicine Hat, AB

Sun Country Nissan is conveniently located in Medicine Hat, Alberta, right across from the airport. Sun Country Nissan offers the area’s largest selection of New Nissan vehicles and pre-owned cars, trucks, vans and SUVs .

10

1 (866) 318-8446

Our dedicated sales staff and top-trained technicians are here to make your auto shopping experience fun, easy and financially advantageous.

11

APEXLUXE Luxury Logistics,

Southern Alberta's Largest Hotel & Convention Centre

providing WORLDWIDE Jet Charter Services, Elite Concierge and Executive ground transportation.

New York, Los Angeles, Miami

Our dedicated services will make your request a reality!!!

APEXLUXE Luxury

Logistics

Brad@apexluxe.com

+1-305-308-8770 (Brad)

187 Deluxe Guest Rooms 34 Luxury Suites Alberta Massage & Spa Stunning Courtyard Indoor Waterslide Park Banquet & Meeting Facilities Casino Elements Entertainment Lounge Buffet Restaurant Exercise Room Hair Salon Gift Shop Plus Much More!

1051 Ross Glen Drive SE Medicine Hat AB T1B 3T8 1-800-661-8095 www.medhatlodge.com

12

13

2B-40 Strachan Court S.E. Medicine Hat, AB Bus: 403-504-0550 Fax: 877-335-9404 jackson.woodruff@edwardjones.com www.edwardjones.com

Edward Jones, its employees and financial advisors cannot provide tax or legal advice. You should consult your attorney or qualified tax advisor regarding your situation.

Dr. Bryan Murray Changing the Lives of Our Patients 25 years of experience! $1900.00 single tooth implant plus crown and grafting.

Call today for your free consultation

When Is It Time to Make Portfolio Changes?

Why Us? Just a short drive away Convenient Location Free parking

1.877.910.2396

wheelchair accessible

abledentalgroup.com

Monthly payments to fit your budget

Able Dental Group offers warm, safe memories, because under anesthesia there are no memories at all.

Competitive pricing Direct bill to dental insurance Sleep dreamily through dental procedure Dental implants and restorative dentistry 24 hour emergency

T

he kids are back at school and summer vacations are now just fading memories, so it must be autumn. But the seasons don’t just move on the calendar — they also change in your life.

And, speaking of changes, you’ll have to make many of them as you move through the years — and that includes changes to your investment portfolio. But how will you know when it’s time to take action?

Just as Mother Nature sends out “signals” to indicate a change in seasons — blooming flowers, falling leaves, warmer or colder temperatures, longer or shorter days — your portfolio will frequently “tell” you when you need to make adjustments. Here are a couple of indicators you may want to heed:

Out-of-balance portfolio

Even the best stocks can lose value when the overall market is down, but if you only own stocks, you could take a big hit during a downturn — and if it happens repeatedly, you may find it hard to even stay invested. After all, stocks will always fluctuate in value, and you may lose principal. You can at least help prepare yourself against for market volatility by balancing your portfolio with a mix of stocks, bonds, GICs and other investments, with the percentage of each type of asset based on your individual goals, time horizon and risk tolerance.

“Overweighting” of individual investments

Related to the point made above, you can also have too much money kept in a single investment, such as an individual stock or bond. Sometimes, this “overweighting” can happen almost on its own, as when a stock, or stockbased vehicle, has increased so much in value that it now takes on a larger percentage of your portfolio than you had intended — possibly bringing with it more risk than you had intended, too. As a general rule, no single stock stock should take up more than a small percentage, about 5%, of your entire portfolio.

Your own life may also send you some messages regarding changes you may need to make to your investment and financial strategies. Here are just a few of the milestones that may trigger necessary moves:

New child

You’ll need to review your life insurance to make sure it’s sufficient to help provide for a newborn or newly adopted child, should anything happen to you. You may also want to begin investing in post-secondary savings vehicles, such as RESPs.

New job

Assuming your new job offers you a retirement plan, such as a Group RRSP or similar vehicle, you’ll have some choices to make. How much can you afford to contribute? How should you allocate your dollars among the investment choices offered in the plan? How can you best integrate your personal RRSP or other plan into your overall investment portfolio to avoid duplication?

Impending retirement

As you enter retirement, you may want to adjust your portfolio to help reduce its short-term fluctuations and to provide more current income opportunities. At the same time, you may still need to invest for growth — you could be retired for two or three decades, and you’ll need to stay ahead of inflation.

Pay close attention to the messages coming from your portfolio — and from your life. These “signals” will give you a good idea of when it’s time to make investment-related moves.

Member – Canadian Investor Protection Fund.

General Dentist 14

15

While under new management the Chippewa Cree Tribal Community is hoping you’ll visit and experience the great enjoyment shared by all our customers. We also offer our Wheel Spin 7 days a week, where one lucky customer EVERY HOUR has a chance to win up to $10,000 and on given days even more!

16

17

LYNNETTE SCHILE (403-581-8075) www.WTEVacations.com 417 3rd St. SE, Medicine Hat, AB

CROSSWORD PUZZLE Across

1. Afficionado 4. Corrosive substance 8. Not working 12. Additional 13. Type of shape 14. Gathering 16. Finishing line 17. Dainty 18. Type of duck 19. Doctrine 21. Weapons 23. Used for emphasis 24. Female chicken 25. Marketplace 27. Mature 29. Tie or secure 30. The night before 31. Flow out 34. Sharpness 37. Appear 38. Small vegetable 39. Agressive remark 40. Nothing 41. Prejudice

1018 Allowance Ave. S.E., Medicine Hat, AB, T1A 3G8

WWW.CITYSIGNSANDCANVAS.CA

Down

1. Visual signal 2. Poplar tree 3. Requirement 4. Perform 5. Person lacking courage 6. Not active 7. Consider 8. Frozen water 9. Thrust 10. Valuable ore deposit 11. Pitcher 12. Engrave 15. Free from liquid 20. Leave out 22. Rescue 26. Unspecified amount

18

28.

29.

30.

31.

32.

33.

34.

35.

36.

37.

40.

41.

43.

44.

45.

46.

49.

Jewel Napkin Snakelike fish Long narrative poem Boyfriend Male singing voice Assist in a crime Metal inclosure Impulse Transgression Mesh Saloon Nocturnal bird Thaw Be unwell Root vegetable Metal container

50.

51.

52.

53.

54.

55.

56.

57.

59.

61.

63.

65.

42. Before or after the chicken?

43. Portent 45. Counting device 47. Golf pin 48. Soaked 49. Layer 50. Unwell 51. Heap 52. Fairy 55. Kitchen appliance 58. Slender 60. Sum 62. Range 64. One time 66. Virtuous 67. Result 68. Remain 69. Border 70. Limited period of time 71. Tincture 72. Indicating maiden name

Become liable to Spotted horse or pony Musical exercise Garment size Run away Metal-bearing mineral Part of a volcano Facilitate Vast multitude Overt Stitched border Organ of sight

Answers on page 24 19

LAVAR PAYNE

MP, Medicine Hat, Alberta

O

ur Conservative Government believes Canadians are more prosperous when they have money in their pockets rather than Government coffers.

And parents are best able to decide which kind of childcare works best for their family. We continue our efforts to provide tax breaks for families and that’s why Prime Minister Harper recently announced further major tax cuts for Canadian Families.

The House of Commons Agriculture Committee has been studying the Agricultural Growth Act, an important law that will amend the Plant Breeders’ Rights Act among many others. This will bring Canada in line with most of our major competitors, such as the United States who have adopted the UPOV 91 convention, which strengthens the rights of plant breeders. It’s important to note that the Agricultural Growth Act will explicitly allow farmers to save and use their own seed in subsequent years. Our CommitThe Universal Child Care Benefit (UCCB) provides all fam- tee heard overwhelming evidence that organizations in the ilies with $100 per month for each child under the age of Ag sector are in favor of this legislation. six. The UCCB will increase by adding additional $60 per month for a total of $160 per month per child for these The other important Bill is C – 43 our 2014 Budget Implefamilies. Under this plan every family with children will mentation Act. This will allow for our Government to enhave more money in their pockets so they can decide how sure that the items in Budget 2014 can proceed to become to spend these monies; this is in the best interest for their law. It will also allow for those expenditures to be dispersed families. Currently this benefit provides direct support to as announced in the Speech from the Throne and Canada’s approximately 1.7 million families with young children.

Economic Action Plan Budget 2014 already presented to the House of Commons. A few items in this Bill include the As part of this announcement our Conservative Govern- Small Business Job Credit, simplifying the Tax system for ment is also introducing a new benefit of up to $720 per Farming and Fishing Businesses and extending the existyear for children ages six through seventeen. In addition ing Tax Credit for interest paid on government-sponsored we will double the Children’s Fitness Tax Credit up to a Student Loans. maximum of $1,000 per year.

I continue to diligently and conscientiously serve the peoAdditionally, our Government is fulfilling our promise ple of the Medicine Hat Constituency – from Bassano and for the Family Tax Cut. Those with a higher income can Brooks, Vauxhall and Taber, to the Saskatchewan and U.S. transfer up to $50,000 of taxable income to a spouse in a borders. If you have any questions, comments, or concerns, lower tax bracket. The credit will provide tax relief capped I welcome your calls, emails and conversations; you can at $2,000 for couples with children under the age of 18, reach me in Ottawa, or through my offices in Brooks, Taber effective for this 2014 tax year. Currently with our Govern- and Medicine Hat. ment’s reduction of federal taxes, the average family of four is better off by $3,400 per year than under the previous government. Canadians are now paying less in taxes than those who paid taxes in the 60’s. These new tax reductions will have no impact on provincial or territorial tax revenues.

Contact us for your complimentary all inclusive Mexican vacation for two xtremefreedomcanada@gmail.com

ian nimeck

cell/text: 403.501.1108

An Opportunity For Motivated Individuals

Our Government has been reducing taxes while continuing to move towards a balanced budget in 2015. We have done this without impacting Federal Transfers to Provinces and Territories. In fact we have increased transfers for Health Care, Social Services and Education to the Provinces and Territories since we have become government.

Our fall session of Parliament is well under way with a large number of Government Bills under discussion to move Canada’s business forward. A couple of important Bills are Bill C – 18, Agricultural Growth Act, (related to Plant Breeders Rights) and Bill C – 43 Budget Implementation Act.

20

21

2015 – Personal Tax Calendar Tax planning should be a year round event – otherwise you limit the opportunities to minimize your overall tax bill.

Here is a monthly calendar to keep you on track for tax planning.

January TIP: Make a 2015 TFSA Contribution

July TIP: Income Splitting Opportunities

Start the year off right by making your 2015 Tax-Free Savings Account (TFSA) contribution. TFSA contributions are currently $5,500 annually and any unused contribution room (dating back to 2009 when TFSAs were first introduced, or the year you turned 18) can be carried forward and used in a future year.

Under the Canadian tax system, the more you earn, the more you pay in income taxes on incremental dollars earned. With this in mind, it may make sense to spread income among family members who are taxed at lower marginal rates to lower your family’s overall tax burden, subject to the income attribution rules.

February TIP: Filing your income tax return early can be tempting, especially if you’re expecting a refund, ensure you’ve received all your tax slips before you file. If you receive tax slips after you file your return, you’ll need to file a T1-ADJ/TP-1R form to amend your tax return.

As the new school year approaches, consider whether your education plan would receive an “A” or “F.” Starting a dedicated education savings plan while children are still young helps ensure you have the funds necessary when they begin their post-secondary studies.

March Deadline for making your Registered Retirement Savings Plan (RRSP) contribution for the 2014 tax year. March 1 TIP: Consider making your 2015 RRSP contribution at the same time, instead of waiting until early 2016, so that the funds begin growing tax deferred inside your RRSP sooner. The maximum RRSP contribution limit for 2015 is $24,930.

April U.S. Citizens Living in Canada - U.S. tax filing deadline April 15th. This is in addition to your Canadian income tax return that you must file as a Canadian resident by April 30th. (other than self-employed individuals and their spouses or common-law partners).

TIP: Children with Earned Income - Unused RRSP contribution room can be carried forward indefinitely. File a personal income tax return for children with “earned income” (i.e., from a part-time job) so that they can start accumulating RRSP contribution room.

May TIP: Review Your Estate Plan Your estate plan should include an up-to-date Will that reflects your wishes and names an appropriate executor(s), a Continuing or Enduring Power of Attorney for Property in the event of mental or physical incapacity, and a Power of Attorney for Personal Care to address medical, home care and end of life decisions. Further, your estate plan should be reviewed whenever there is a change to your personal situation, such as a birth, death, incapacity, retirement, marriage, divorce, a change in residency, significant increase or decrease in wealth or sale of a business.

August TIP: Planning for Your Child’s Post-Secondary Education

September – your month off!

October TIP: Your RRSP Maturity Options If you turned or will be turning age 71 in 2015, or are planning to retire next year and will be using your Registered Retirement Savings Plan (RRSP) to supplement your pension and government benefits, make sure you’ve considered your RRSP maturity options. You can withdraw the cash proceeds from your RRSP, purchase a Life Annuity or transfer your RRSP to a Registered Retirement Income Fund (RRIF).

A RRIF may be your best choice if you want to continue to manage your investments and give yourself maximum flexibility in terms of structuring your retirement income. You are required to withdraw a minimum amount each year and can choose when and how your withdrawals are paid.

November TIP: Tax-Loss Selling Review your non-registered portfolio now to consider the sale of securities with accrued losses before the end of the year to offset capital gains realized in the year, or in the three previous taxation years (if net capital loss created in current year). Be aware of the superficial loss rule that will deny the capital loss on the sale of an investment if repurchased within 30 days by you, your spouse (or common-law partner) or other affiliated entity.

December TIP: RRSP Conversion for Individuals Turning Age 71 in 2015

June - FBAR (Foreign Bank and Financial Accounts) Reporting for U.S. Citizens Living in Canada - Deadline for U.S. citizens living in Canada to FBAR Report with the IRS, to provide details on any foreign bank accounts and other financial accounts held outside the U.S. June 30.

Deadline for winding-up your RRSP if you turned 71 this year.

If you have unused RRSP contribution room available, consider making your 2015 RRSP contribution before the end of the year.

In addition, if you received earned income in 2015 that will generate RRSP contribution room for 2016, consider making a 2016 RRSP contribution early – in December 2015 before collapsing your RRSP. While you’ll be charged a one per cent penalty tax for the month of December, the tax savings on your RRSP contribution (which can be claimed on your 2016 tax return) should exceed the penalty tax.

TIP: Putting Your Income Tax Refund to Work If you received an income tax refund this year, use the funds to make an RRSP/ TFSA contribution or pay down debt.

Charitable Donations Deadline for making a charitable donation that will be claimed for the 2015 tax year. TIP: Donate appreciated publicly-traded securities instead of cash for enhanced tax savings.

For more information, contact:

Dan Hein, BRE

Associate Investment Advisor BMO Nesbitt Burns Inc. Medicine Hat, AB Tel.: 403-528-6771 Dan.Hein@nbpcd.com www.bmo.com/nesbittburns ® “BMO (M-bar roundel symbol)” is a registered trade-mark of Bank of Montreal, used under licence. ® “Nesbitt Burns” is a registered trade-mark of BMO Nesbitt Burns Inc. BMO Nesbitt Burns Inc. is a wholly-owned subsidiary of Bank of Montreal. The comments included in the publication are not intended to be a definitive analysis of tax law: The comments contained herein are general in nature and professional advice regarding an individual’s particular tax position should be obtained in respect of any person’s specific circumstances. Opinions are those of the author and may not reflect those of BMO Nesbitt Burns.

The information and opinions contained herein have been compiled from sources believed reliable but no representation or warranty, express or implied, is made as to their accuracy or completeness. If you are already a client of BMO Nesbitt Burns, please contact your Investment Advisor for more information.

Member-Canadian Investor Protection Fund and Member of the Investment Industry Regulatory Organization of Canada

22

Canada is paying attention to terrorist threats more closely

S

ince a lone home grown Muslim terrorist murdered an unarmed service man. He then proceeded on in to the House of Commons to see how many politicians he could introduce to Allah.

Luckily, he was an incompetent, brainwashed, fool who bought into the 70 virgins story. Consider what might have happened if a trained force of say ten or twenty men, with a plan, had attempted what this one gunman accomplished? What if those men had back packs full of C-4 explosives? Or worse, a cheaply made dirty bomb? It could have been Canada’s 911 World Trade Centre scenario. We should be asking what mosque this murdering fanatic attended?

Was it one of the 70% across North America fully funded by Saudi Arabia? Which “student groups,” did he frequent?

However, an incredible truth burst into the minds of Liberal and NDP politicians. When they were the targets getting shot at, they prayed for anybody with a gun. When an armed man appeared who saved their lives, it was a wonderful thing! When Kevin Vickers shot the terrorist murderer dead, they were relieved. We all saw the pictures of those terrorized MP’s piling centuries old desks against a door the shooter would enter. Some fashioned spears from Canadian flags no less, to impale the terrorist if the desks fell. Trudeau and Mulclair were peeing their pants in terror. Wouldn’t it be” fair,” if all Canadians who chose to, were afforded the benefit and protection of a tool called a gun. All could save their lives, those of their children, and neighbors. Politicians will pass legislation real fast for increased security where they work. What about us?

The big questions I have to ask... did those Honorable Members have a license to carry those spears?

Had they taken a safe spear handling course? Did those spears have a thrust and parry lock? Should we legislate a spear registry and spend a billion tax dollars? If the shooter had gained access, and MP’s had fatally impaled him, would criminal charges have been laid? None of them were police officers or military. How dare they take the law into their own hands? All had cell phones; they should have called 911 and waited.

Kevin Vickers crawled close enough to see the barrel of the shooter’s rifle. He dove into the open John Wayne style, turning in the air, simultaneously popping three rounds into the Muslim terrorists head.

He didn’t shoot him in the arm.

H

e didn’t tell him to drop his weapon, or arrest him. He didn’t identify himself and tell him to cease and desist. He didn’t try to counsel him. He blew his brains all over those illustrious hallowed halls. I for one, am glad he did.

It saved millions of tax dollars for prosecution and imprisonment.

These same politicians would imprison any citizen who shot someone in their house at night. Yet they applaud the swift arm of justice in their own house.

They’re preparing to award Mr. Vickers Canada’s highest civilian citation. I agree they should. But the irony, the hypocrisy, is screaming for attention.

A law abiding person who protects their family, as Kevin Vickers did frightened politicians, would be jailed.

If MP’s who so chose, were allowed to carry concealed weapons they wouldn’t have needed to pile antique furniture, or make spears to defend themselves. If whack jobs knew important dignitaries were armed, (as are USA senators) this tragedy would never have happened. You don’t see police stations getting shot up, or Hell’s Angel’s clubhouses. Terrorist’s and common criminals prefer soft unarmed targets such as schools, women, and children, or government buildings. They avoid those with equal or greater fire power.

This particular terrorist was of the dumb and stupid variety. So we were lucky. Come on... only an idiot would think attacking Parliament alone, with a 30/30 lever action rifle is a smart idea. Those who cultivate mentally vulnerable individuals, then turn their religious fanatics loose, should be identified, and deported. It’s time liberal Muslims stand up and clearly advocate for peace with Israel, and tolerance for other religions.

If not only two questions need be asked for expulsion. Do you believe in or support those who fight for the total destruction of Israel, and killing of all Jews? Should infidels (Us) be enslaved or killed?

This is what the “religion of peace,” advocates. I’m praying that politicians convert not to my beliefs, just to common sense.

Comments: scott-cowan@live.com

23

Collecting section seven expenses

I

have written several times on the kinds of things that can be section seven additional expenses that are paid on top of monthly child support. Sometimes another question entirely, however, can be actually collecting them.

Firstly, with items that are not emergencies, generally the courts want to see that the expense has been disclosed as soon as it is anticipated, and that an attempt has been made to discuss it with the other side before it is incurred. There are times that an expense is reasonable and would probably be collectible, but it is not because it has not been discussed or consented to in advance. Much of the case law in this area deals with certainty to both parties, and avoiding unfair surprises.

The next item is to copy receipts for section sevens to the other parent as soon as the expenses are incurred.

Without doing so, there is no proof the expense was paid, and there is no obligation to pay. The courts also discourage "hoarding" of receipts for extra expenses and the surprise to the other parent where years of receipts and payment suddenly demanded. I have seen numerous times where expenses have been disallowed for this reason.

With a parent that is difficult to collect from, and MEP becomes involved, there can be challenges in collecting section seven expenses depending on wording of the child support order. While it allows a parent more leeway in claiming more potential expenses to not have a specific number for section seven expenses, it can create difficulty with MEP in that they sometimes will not enforce the payments if a number is not specified. I generally advise support recipients

24

to get a ballpark amount for the section seven expenses, and just ask to put that amount in the order. That way, if it isn't paid, the order is simple to enforce.

There can be some lag in between initiating a claim and getting an order for support or to enforce section seven expenses. It is important that even during that time, a support recipient continue to send requests and continue to request payment, and also continue to give advance notice and request consent. I recommend doing this by email so there is a record. If section sevens aren't being paid as they should, a parent can often get discouraged and "give up" in terms of sending receipts and asking for consent. That opens them up to an argument that those expenses should not be contributed to period.

Something that always has to be borne in mind is that all section seven expenses are in the discretion of the court. The burden is on the parent claiming them to not only show that they are appropriate section seven expenses, but also to take the appropriate steps in terms of notice, consent and receipts. However, once these expenses are ordered and quantified, they are every bit as enforceable as section three support, the table support amounts.

Stenbeck Law Office (866)783-6232

Designer: Laurie Elyse

Joey Kirchner & Mariah Watchman Americas Next Top Model

Jordan Weisgerber Performer

Juanita Faas Winner, The Great American Song writing contest, Honor Award (x2) Nominated, the Los Angeles Music Awards (x2) Nominated, GMA Canada, Covenant awards (x5) Command Perfformance at The White House

Scott Stenbeck & Designer Olga Papkovitch

Crossword Answers

Scott Stenbeck

Photo Credit: Joan Bateman Gainsboro Studio

25

Designer: Helen Oro Designer Nyxi Apparel

N

ovember 1 2014 registered a seismic shift in social, cultural, and entertainment opportunities in Medicine Hat.

Over two hundred patrons of the arts were thrilled with this first New York style high fashion couture event.

The first annual Black and White with a Splash of Red Fashion Show was held at The Medicine Hat Lodge.

Five collections by world renowned and recognized designers graced the runway.

Joey Kirchner

Alex Sparrow

26

Designer: Helen Oro

Randy Feere Soloist 27

B

etween each show star studded local talent offered entertainment, while models changed for the following show. Local singing sensation Randy Feere opened with a strong uplifting rendition of “New York New York.” Few voices can compete with Randy. He was supported by Juanita Fass at the piano.

She has tickled the ivories in illustrious venues such as Carnegie Hall, and even the White House in Washington DC. Bill Wahl completed the package with eight pieces of brass.

H

elen Oro opened our show with her designs, and customized shoe creations. I met her last year at Couture Fashion Week in New York. I was proud to introduce Helen as a Canadian, and feature a woman of aboriginal decent, in our first high fashion offering to our city.

A

submitted collection by Misty Rain Designs was next, setting a mood and standard for the rest of the evening.

J

ordan Weisgerber enchanted the audience after the first collection, singing recognizable tunes that amazed. Local talent is abundant in our city, and Jordan did herself proud.

R

ussian designer Olga Papkovitch wowed the audience with her art transferred on silk fabrics. Numerous patrons ordered pieces during the red carpet after party, and VIP photo op.

N

ew comer Nikita Coles of Nyxi Apparels, an Alberta Red Deer resident, stunned the audience with an avant- garde collection of leather creations. Definitely a young woman to watch in the coming years!

V

iolinists “Kaserica,” aka Ciara Hager and Kiarah Boughen, brought a classical dimension and beauty to the event with strings that mesmerized listeners.

L

aurie Elyse of Washington DC finished the show, unveiling a series of paper gowns that were the definition of “Couture.” Her collection was completed with skirts and tops made from foam hearts glued in over lapping fashion, covering necessary areas and little more. One could only describe the collection as walking art. These masterpieces were only to be appreciated and enjoyed for brief moments by those in attendance and never to be repeated.

T

he evening was adjudicated by Mariah Watchman of America’s Next Top Model fame. She chose our “Top Model,” after teaching an intense model clinic previous to the show opening.

K

atarina Yakimchuk of Calgary received the all expense paid trip to New York City, compliments of Spotlight Magazine, to walk in Fashion Week.

S

potlight was thrilled to feature Joey Kirchner of Redcliff as our celebrity male model. He has walked for the best in the fashion world, in exotic locations around the globe. He is a perfect example of success under control. Joey is famous just about every where but at home. He carries his celebrity in complete humbleness. He and Mariah carefully consulted to introduce our Top Model.

N

ext year November 7 th Spotlight will host an even bigger show at the Lodge. More designers, more entertainment, and more excitement!

Juanita Faas Performer Jordan Weisgerber

28

Designer Olga Papkovitch with International Model Joey Kirchner

Performer Hannah Lee

Designer Laurie Elyse

29

Black & White and a Splash of Red

Katarina Yakimchuk Medicine Hat’s Next Top Model Winner

Cast & Crew Hair by Plush Salon & Spa SunCountry Nissan Makeup Artistry by Merle Norman Special Effects Makeup Artistry by Melissa MacKay of Bliss Makeup 30

Events by Natalie Noel

ACI StoneFurs Scott Stenbeck Edward Jones Heartland Modeling Agency Gainsboro Studio 31

32