Kamloops This Week - How to Guide 2014

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2014

HOW TO SAVE TIME, MONEY & WATER! The average Canadian uses 326 litres of water per day. day The average Kamloops resident uses about 800-850 litres of water per day. In the summer that number rises to 1800 litres of water per person, per day! Eighty percent of the water consumed in the summer is used outdoors to water grass, hose driveways and wash vehicles.

Lawn Care Tips: Proper lawn care can help reduce water usage and save you money.

Mowing high – leaving grass about 5 – 7.5 cm tall – shades the roots and helps prevent evaporation. Leaving your grass clippings on the lawn, known as grasscycling, can help reduce watering and fertilizing. Lastly, water deeply, but infrequently. Your lawn only needs about 2.5cm of water per week to stay green, but try watering only 1 – 2 times a week. It encourages deep rooting and drought tolerance.

Xeriscape: By xeriscaping our individual landscapes, we use water more responsibly.

Even if you are not ready to do a complete make-over, becoming more knowledgeable and aware of your existing landscape is a start. Here are two simple steps that will make a difference: alter your irrigation to match your plants actual water requirements, and make adjustments to minimize overspray onto hard surfaces.

and dog spots, attracts beneficial insects an nd iiss inexpensive. Why not try an experime experimental inexpensive enttal clover lawn in a small area and see how much time, money, and water you save?

Starting a Clover Lawn Springtime is best for seeding; however, it can also be seeded in fall. There are two starting points – bare ground and existing lawn. To mix clover in with an existing lawn: 1. To allow clover seed to reach the soil surface, grass should be cut short and bagged.

2. Rake up extra debris and clippings.

3. Seeding recommendations are 60 – 245 grams per 100 m2. For clover to be dominant use 245 g per 100 m2 (8 oz per 1,000 ft2). 454 grams of seed contain about 800,000 seeds.

4. Since the seed is so small and difficult to sow evenly, it is suggested that it be mixed with soil, sawdust, or graded sand (grain size approx. 1 mm) for distribution in a broadcast spreader. Do NOT cover seed with a layer more than 0.6cm (¼”) deep.

5. If there is no clover present in the lawn or nearby – you may need to add a bacterial inoculant to promote the best growth. It can be mixed with the seed.

6. Water daily for about 10 days. At temperatures above 15 degrees C, most seed will germinate in less than a week.

7. Until established mow regularly at 3.75 – 5 cm (1.5 – 2”), then return to higher mowing height.

For information on the seven xeriscaping principles pick up a brochure from City Hall.

Get some xeriscaping ideas by visiting the demonstration garden at McArthur Island, or the one at the booster station in Westsyde at 790 Harrington Road.

For maintenance tips and other information on clover pick up the brochure Consider Clover: Traditional lawns can be Clover - Friend or Foe? from City Hall or visit costly and time-consuming to maintain. www.kamloops.ca/ipm.

White clover can be a great alternative. It stays greener with less water, is immune to

2 • Kamloops This week | How to Guide

OOPS

healthy landscapes, healthy living

Save Time, Money & Water!

Have a lawn you can feel good about. Here are three lawn care tips that will save time, money and water: 1. Mow High Leaving grass 5 – 7.5 cm (2-3�) tall, shades the roots and helps prevent evaporation.

2. Grasscycle Leave grass clippings on the lawn when mowing. Eliminate bagging and raking and reduce watering and fertilizing.

3. Water Properly Water deeply, but infrequently. This means watering 1 - 2 days per week, but when you do, give your grass about 2.5 cm (1") of water.

Consider Clover: Reasons Why Traditional Lawns are Becoming Less Desirable t *O ,BNMPPQT SBJOGBMM JT OPU FOPVHI UP LFFQ HSBTT HSFFO BOE UIF DPTU PG XBUFSJOH HSBTT DBO CF BO JTTVF t .BOZ QFPQMF EP OPU IBWF UIF UJNF PS FOFSHZ UP NBJOUBJO B MBXO UIBU OFFET UP CF DVU BOE XBUFSFE GSFRVFOUMZ t 5IFSF BSF FOWJSPONFOUBM DPODFSOT TVSSPVOEJOH QFTUJDJEFT DIFNJDBM GFSUJMJ[FST BOE MBXO NPXFS FNJTTJPOT Advantages of White Clover t 4UBZT HSFFO BMM TVNNFS XJUI MFTT XBUFS UIBO HSBTT t (SPXT XFMM JO QPPS TPJM

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Contact: *OUFHSBUFE 1FTU .BOBHFNFOU $PPSEJOBUPS 250-828-3888 or healthylandscapes@kamloops.ca kamloops.ca/ipm

Did you know?

Before herbicides came into common use in the 1950s, white clover was considered a standard PG FYDFMMFODF JO MBXO DBSF BOE XBT a desired component of lawn TFFE NJYFT (PPE RVBMJUZ HSBTT seed had a high percentage of white clover. clover.

www.kamloops.ca/ipm

WHAT MAKES A GREAT DANCE SCHOOL? T

here are lots of extracurricular activities for children such as athletics, music and dance. Because all parents want the best for their children, here are some things to consider when choosing the dance studio that will best fit your – and your child’s – needs.

• When you visit the school for the first time, ask a few students what they think. Ask a few parents, too. Do they think they are getting their money’s worth?

• What are the fees? Are there fees in addition to the price of enrollment? How much can you reasonably expect to pay for clothing and other extras?

• What is the philosophy of the dance studio?

Is it to teach children how to enjoy dance?

How to dance with correct technique? Is it to make the studio look good at competitions?

Teachers Your child’s dance instructors should be positive, professional and experienced. They should have a rapport with their students that promotes not only technical growth but social and emotional growth as well.

Ask about the dance histories of teachers, including each teacher’s area of expertise, by whom they were trained and who choreographs their dances.

• What accomplishments have the teachers attained? Can they teach what they know to others? And are they especially good at working with children? By observing, you can learn whether or not a teacher has a genuine love for children and dance. All of these aspects of the teaching staff should be compatible with the expectations that you have for your children’s dance experience.

Classes Decide in what type of class you would like to enroll your child. Classes can include ballet, tap, jazz, pointe, modern, lyrical, funk, hip-hop, gymnastics, tumbling, baton and musical theatre.

In addition, make sure that an appropriate skill-level class is offered to match the child’s abilities. Some classes require an audition to place a child where he or she will thrive.

You should also consider the amount of time you are willing to commit to dance. Because many classes culminate in group performances that require rehearsal, a dancer’s presence is imperative.

Look for a studio whose schedule is compatible with your family’s schedule. It is also wise to find out if classes are offered during summer, spring and winter school breaks.

These interim sessions can provide an exciting experience for children when school is not in session.

Facility Your Child’s dance studio should be safe, clean, up-beat, student friendly and equipped with the following: • Mirrors to promote confidence and help students improve their technique.

• Suspended hardwood floors cushion and assist moves such as leaps and turns. They prevent shin splints and alleviate impact to backs, knees and ankles.

• Ballet bars assist in balance when training and learning new moves.

• Age appropriate music.

Discipline Personal discipline is essential in dance. Part of this discipline is displayed through attire.

When studios enforce a dress code, it reinforces this principle.

4 • Kamloops This week | How to Guide

CLASSES STARTING IN SEPETEMBER FUN & CHALLENGING LESSONS FOR ALL!

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WHAT DO YOU WANT TO DO?

NEW OR USED?

Off-road? Street riding? Dual Sport? Will you be riding alone, or with a group? Do you have friends or family involved in the sport?

There are good points for both new and used models.

While new gives you the peace of mind of warranty, used bikes have already depreciated - but may cost you in repairs. If you are looking at a used bike, get it checked by a qualified mechanic.

A small investment up-front could save you a lot in the long run.

Your local dealer can offer financing for most models.

ABILITY Choose a bike suited to your ability. Lessons are always a good idea when you are starting out.

BUDGET OPTIONS Bikes these days can come with many options. Look at different models online to refine your choices.

As well as the initial cost of the motorcycle, don’t forget to consider the following: • Safety gear (helmet, boots, gloves, etc.)

• Licensing and Insurance • Routine Maintenance (oil changes, tires, etc.)

CHOOSE A BIKE THAT FITS Try out different bikes for size. Find one that fits you comfortably. Many bikes can be modified for a custom fit.

CHOOSE A BIKE THAT YOU WILL BE EXCITED TO RIDE!

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BUYING A WHEEL CHAIR What you need to know

can answer any questions you may have.

When shopping for a wheelchair the most important point in making your decision shouldn’t be the price. The amount of time you intend to spend in the wheelchair will have a bearing on which chair to choose

You depend on home medical equipment to assist with your daily life, so you want to depend on the people who sell it to you, too.

TRANSPORT There are chairs available which are intended to be used to transport the user to and from their destination. These transport chairs are designed with weight and loading in to or out of vehicle as the priorities not comfort per se. This type of chair is not intended to be sat in for long periods of time.

Many patients rely on home medical equipment to make life at home easier.

It can be a challenge to shop for new equipment, especially for the first time.

People can find themselves overwhelmed by the selection and often have a hard time finding out where to start.

It is important to do your research on equipment types, prices and retailers.

Manual Wheelchairs Some chairs are designed with comfort as the key criteria and will have a strong frame and well padded seat and back upholstery. These are the wheelchairs that require human effort to move it, they can be self propelled by the user or by a caregiver.

Tilt Chairs These are wheel chairs that tilt backwards and are generally used by people who spend a lot of time in their chairs and want to sleep in them or tilt back to reduce pressure points.

Wheelchair Specifications There are basic wheel chairs with generic sizes which are usually a little more economical or prescription wheelchairs which have specific sizing. When purchasing a prescription type of chair it is very important to consider the specifications of the chair in relation to the specifications of the intended user. Their height, posture, weight ability to foot propel etc are all very important in making the best decision and will help determine the chairs width, depth, back height, and seat to floor height.

How to Choose a Home Medical Equipment Store People can find themselves overwhelmed by the selection and often have a hard time finding out where to start.

It is important to do your research on equipment types, prices and retailers.

Understanding exactly what you need will help you make smart choices when it’s time to buy.

It may not be practical or even possible to drive to Kelowna for medical equipment, so you’ll want to shop around for competitive prices from retailers that are close to you.

When contacting home-medical equipment stores, be sure to ask about delivery options and whether a seller can bring equipment to you if you cannot go to them.

Another important factor is where to purchase home medical equipment.

It may not be practical or even possible to drive to Kelowna for medical equipment, so you’ll want to shop around for competitive prices from retailers that are close to you.

When contacting home-medical equipment stores, be sure to ask about delivery options and whether a seller can bring equipment to you if you cannot go to them.

You’ll also want to make sure a retailer is experienced with home medical equipment and can answer any questions you may have.

If a salesperson is pushy or lacks the knowledge needed to effectively describe how each piece of equipment works, it may be best to turn to another store.

You depend on home medical equipment to assist with your daily life, so you want to depend on the people who sell it to you, too.

Thankfully, people can find affordability, convenience and friendly service all in one place.

When you need Home Medical Equipment, count on. Mountain Medical Supplies and Equipment Ltd. We’ve been in business for 19 years and offer a wide variety of equipment and supplies at affordable prices. We’ll even deliver it to your home if needed. In addition to durable medical equipment like wheelchairs, scooters and walkers, Mountain Medical Supplies has bracing, aides for daily living, bathrooms safety, stair glides, incontinence supplies and much more. Basically, we sell everything from band aides to elevators.

Our goal is to make your life easier, and your satisfaction is important to us. For more information, contact Mountain Medical Supplies at 1 800 811 9121v or 250 828 6682 or visit our web site at www.mtnmed.ca

You’ll also want to make sure a retailer is experienced with home medical equipment and

8 • Kamloops This week | How to Guide

PORCH LIFTS & ELEVATORS

STAIR GLIDE

BATHROOM SAFETY

Karen Daly

SCOOTERS

My name is Karen Daly and as the owner of Mountain Medical Supplies I am proud to say that we have enjoyed serving the community of Kamloops and surrounding areas for the last 19 years. We are located beside the red bridge in the Mount Paul Industrial Park and have designed a medical store with parking, a relaxing atmosphere, adequate space to properly view and try various home medical equipment. We are the largest retail store in Kamloops with a 7500 square foot building featuring a 4000 square foot showroom with complete wheelchair accessibility featuring designated display area for bathroom safety, beds and accessories, power chairs, stair glides, wheel chairs, walkers, bracing, incontinence, daily living aides, support socks, repository and wound care. We also have fully trained and certified service technicians on staff to service what we sell and repair your equipment quickly and in a timely manner.

We pride ourselves on our knowledgeable and friendly staff who are trained in all areas that we sell which is why the How To Guide was very appealing to us as it allows us to share our knowledge to help ensure you will choose the correct piece of equipment for your needs.

Our philosophy is not to convince our customers to buy something but provide them with enough knowledge so they can make informed decisions about what they feel will work best for their needs. We hope you enjoy our buying tips on a few of the items we sell within our store.

LIFT CHAIRS

WHEEL CHAIRS

POWER CHAIRS

691 Athabasca Street West, Kamloops, V2H 1C4 main: 250-828-6682 toll free: 1-800-811-9121 fax: 250-828-1734 customerservice@mtnmed.ca

BRACING

SUPPORT SOCKS

WE APPRECIATE YOUR BUSINESS

We Have Moved

Beside the Red Bridge on the KIB Reserve!

Monday to Friday 9-5 and Saturdays 9-4:30

How to to Improve Improve Your Your Life Life How with outdoor adventure with outdoor adventure

Unplug and play — it’s a mantra pate in outdoor recreation tend to Unplug and play — it’s a mantra pate in outdoor recreation tend to that bears repeating in this world of be more productive at work. Outthat bears repeating in this world of be more productive at work. Outtilted heads and a flurry of thumbs door recreation creates job opportilted heads and a flurry of thumbs door recreation creates job opporsending texts 24/7. tunities for others, which leads to sending texts 24/7. tunities for others, which leads to OMG! It is m8ng life cr8zy! economic growth. And the preserOMG! It is m8ng life cr8zy! economic growth. And the preserWith our ultra-connected lives, it vation of the natural areas needed With our ultra-connected lives, it vation of the natural areas needed is essential we step away from the for outdoor recreation increases is essential we step away from the for outdoor recreation increases cords and get outside, where our property values. cords and get outside, where our property values. minds can reconnect with the real 5. Outdoor adventure is great for minds can reconnect with the real 5. Outdoor adventure is great for world. the great outdoors. Outdoor recworld. the great outdoors. Outdoor recUndertaking an outdoor adventure reation provides environmental Undertaking an outdoor adventure reation provides environmental — be in zip-lining, horseback riding, benefits, including increased envi— be in zip-lining, horseback riding, benefits, including increased envihiking or any manner of activity not ronmental awareness. Concern that hiking or any manner of activity not ronmental awareness. Concern that associated with a hard drive — is results from outdoor recreation can associated with a hard drive — is results from outdoor recreation can not only fun, but does a body well. lead to increased involvement in not only fun, but does a body well. lead to increased involvement in Consider: environmental issues.

Consider: environmental issues.

1. Outdoor adventure is good for In addition, challenging yourself 1. Outdoor adventure is good for In addition, challenging yourself the mind. Outdoor recreation has with outdoor adventure can help in the mind. Outdoor recreation has with outdoor adventure can help in psychological benefits, includso many other ways: psychological benefits, includso many other ways: ing the prevention or reduction t *U DBO JNQSPWF ZPVS BCJMJUZ UP TFU ing the prevention or reduction t *U DBO JNQSPWF ZPVS BCJMJUZ UP TFU of stress; improved self-esteem, and achieve goals. of stress; improved self-esteem, and achieve goals. confidence and creativity; spiritual t *U DBO NBLF ZPV CFUUFS BU NFFUconfidence and creativity; spiritual t *U DBO NBLF ZPV CFUUFS BU NFFUgrowth; and an increased sense of ing and overcoming perforgrowth; and an increased sense of ing and overcoming perforexhilaration, adventure and chalmance challenges. exhilaration, adventure and chalmance challenges. lenge from life. t *U DBO SBJTF ZPVS MFWFMT PG DPOĂślenge from life. t *U DBO SBJTF ZPVS MFWFMT PG DPOĂś2. Outdoor adventure is good for dence and self esteem.

2. Outdoor adventure is good for dence and self esteem. the body. Getting outside provides t *U DBO JNQSPWF ZPVS VOEFSTUBOEthe body. Getting outside provides t *U DBO JNQSPWF ZPVS VOEFSTUBOEphysical benefits, such as aerobic, ing of the skills required to give physical benefits, such as aerobic, ing of the skills required to give cardiovascular and muscular fitness, you a competitive edge. cardiovascular and muscular fitness, you a competitive edge. as well as improved functioning of t *U DBO BEE UP ZPVS DBQBDJUZ UP as well as improved functioning of t *U DBO BEE UP ZPVS DBQBDJUZ UP the immune system. find, understand and develop the immune system. find, understand and develop 3. Outdoor adventure is even betyour passion in life.

3. Outdoor adventure is even betyour passion in life. ter for your social life. The great t *U DBO CFOFĂśU UIF XBZ ZPV DPNter for your social life. The great t *U DBO CFOFĂśU UIF XBZ ZPV DPNoutdoors afford social benefits like municate with family, friends outdoors afford social benefits like municate with family, friends bonding with like-minded people and business associates. bonding with like-minded people and business associates. who enjoy outdoor activities and t *U DBO NBLF ZPV SB[PS TIBSQ JO who enjoy outdoor activities and t *U DBO NBLF ZPV SB[PS TIBSQ JO feeling an increased pride in your the decision-making process. feeling an increased pride in your the decision-making process. community and nation. community and nation.

4. Outdoor adventure is good for 4. Outdoor adventure is good for the economy. Outdoor recreation the economy. Outdoor recreation pays off with economic benefits, pays off with economic benefits, too. People who regularly particitoo. People who regularly partici10 • Kamloops This week | How to Guide

HOW TO GET A GREAT DEAL Buying a new car can be a worrisome business. It is often met with the stigma

of the Used Car Salesman or a wasteland of conflicting information from the internet if you don’t know where to start. But rest assured…times are changing and your local auto dealership has become a source of positive energy. You want the best price, and they want your continuing business. This is the starting off point, and here are a few tips on how to get a great deal...

2014 NISSA N ROGUE

Do Your Homework When going into a car deal, here’s some helpful hints.

• Be realistic about the monetary value of your trade-in. This is why the Black Book exists!

• Know your price point, taking into account the cost of operation (insurance, gas, etc.)

• Know what’s important to you and what you want. Are you after fuel economy?

Towing capacity? Enough passenger room for a growing family?

• Know the current promotions. Check the local newspaper or dealership websites!

• It’s okay to not have all the answers - River City Nissan salespeople will!

Trust Your Sales Person A dealership is filled with product specialists. It is the sales person’s job to answer your questions with correct information. The internet is a valuable tool but the information can be overwhelming. Part of any good deal is to have the facts, whether this pertains to fuel economy or upgrades. At River City Nissan, the sales team knows all of their products both inside and out. You can feel confident the information you are given is accurate.

N N TITA

NISSA 2014

Let the Sales Person Help You Select the Right Car By answering a salesperson’s questions about who you are and what you are interested in, you embark on the road a great deal. It doesn’t matter how much you save if you are going to have to live with a bad choice, or re-evaluate after a relatively short time.

River City Nissan’s policy and practice is to help you choose the right ride for your lifestyle.

Meet the Rest of The Team Purchasing a vehicle is the second biggest purchase for most, so it should be seen as a exciting time. River City Nissan sees it as such. They want to prolong those good feelings, and not just while you’re on the lot. Service Centres and Parts Departments are a huge part of the consumer/dealer relationship and being honest and genuine keeps the after-purchase bond alive.

Buy Local Local business helps our economy stay strong and prices consistent. By building a strong relationship with your auto dealership, you gain the benefit of their expertise, and they gain the benefit of your trust. You tell two friends, they tell two friends…and so on.

At River City Nissan, they want to be good neighbours and part of your family.

12 • Kamloops This week | How to Guide

2014

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Consumer How To

HOW TO CHOOSE AN APPLIANCE STORE Check your space. Whether you’re looking for a refrigerator, microwave, or clothes washer, check the space you have for it first.

Measure in all directions and have the size limits written down before you go looking at appliances. Don’t bother evaluating anything that won’t fit.

5. Choose an appliance that will be cleanable.

Look for a finish that will help to hide fingerprints, unless wiping the surface of your fridge is your favorite hobby. Loo k for small or enclosed spaces that might be hard to clean, and if something needs to come apart to be cleaned, try taking it apart.

Check capacity, too. Do you wash lots of big dishes or do laundry for a large family? Or, do you live in a small apartment and do laundry only for yourself?

Don’t forget buttons, knobs, and controls.

Some appliances have nice, flat panels that can be cleaned in one wipe; others require a lot of disassembly to get at spills down underneath knobs.

2. Determine your budget. If you know ahead of time that you’ll be replacing an appliance (such as if you’re replacing it for style or because it is starting to fail), you may also wish to check prices ahead of time and start saving up towards a replacement.

A higher price does not always mean higher quality. If you’re on a budget, try for a good, mid-range model that will work well and last a long time.

3. Read reviews. It’s very easy to find online reviews on just about any product these days, and for appliances, it’s certainly worth reading a few for the model(s) you think you want. If a brand or model has a lot of problems, you’ll know it.

Don’t forget Consumer Reports. They regularly test things like major appliances. It’s worth seeing what they thought of various models, too.

6. Choose the features you want, and be realistic about it. It’s very easy to spend a lot of money for features you’ll use twice and forget about. If you’re buying a refrigerator, it’s to keep your food cold. Maybe the ice maker is important to you, too, but does it really need a digital temperature control on the front? Most people only set the temperature in a refrigerator once, unless something changes.

7. Check the energy ratings for your appliance.

Over the life of an appliance, a little bit more energy used can add up to a lot of money.

This is the extended cost of your appliance purchase.

If this is an upgrade, see if your local utility or anyone else is offering rebates for upgrading to a more energy-efficient model.

4. Choose a style, color, and finish. This may be more important if you need something to match other appliances in your kitchen.

In your garage or laundry room, it might not matter too much.

8. Shop around and negotiate. If you know what make(s) and model(s) you want, it can be well worth calling around. If you’re not a great negotiator, simply ask, “What is the best price you can offer?” and ask various stores.

Don’t forget to look online, too.

Expect to have major appliances for a while.

Generally, choose a neutral color that will still look good (whether or not it’s still current and in fashion) in ten years or more.

At Gord’s Maytag we don’t sell you appliances, we will help you choose the right appliances for your needs... that’s the Gord’s Maytag & More difference!

14 • Kamloops This week | How to Guide

SAVE th e TAX July 31 - August 27, 2014

Save the tax* on all eligible** KitchenAid® major appliances.

KitchenAid® 25 Cu. Ft. Standard-Depth French Door Refrigerator

KitchenAid® 30-Inch 5-Element Electric Freestanding Range

KitchenAid® 24'' 6-Cycle/6-Option Dishwasher, 45 dBA

• ExtendFresh™ Temperature Management System uses sensors to help ensure all your ingredients remain at the appropriate temperature for optimum taste and texture.

• Even-Heat™ True Convection Oven provides consistent heating and even cooking on all racks.

• KitchenAid is the best performing dishwasher brand delivering better combined wash and dry results than the competition in laboratory tests*

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UÊ This dishwasher includes the innovative ProScrub® Option to help tackle stubborn messes, and the Heat Dry Option delivers the best drying by activating a heating element at the end of the cycle**. *Combined wash and dry results of leading premium brands; dry testing conducted with rinse aid. **Among leading premium brands, with rinse aid.

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See sales associate or visit KitchenAid.ca for details and list of available qualifying models. *Purchase price will be reduced so that the price plus applicable taxes will be approximately equal to the ticketed purchase price. Purchase must be made between July 31 - August 27, 2014 from a participating authorized Canadian KitchenAid® appliance dealer. **See Dealer and/or KitchenAid.ca for list of available qualifying KitchenAid® major appliances. No substitute models qualify. This offer is not available to builders or contractors. Offer cannot be combined with any other KitchenAid® appliance offer. ®/™© 2014 KitchenAid. Used under license in Canada. All rights reserved.

FINANCIAL TIPS

Look for a financial adviser who is a certified financial planner (CFP). They’re licensed and regulated, plus take mandatory classes on different aspects of financial planning.

Consider the planner’s pay structure. A planner who earns money based on commission rather than a flat, hourly rate could have an incentive to steer you in a particular direction. Read the code of ethics that your financial planner adheres to. Look for the word “fiduciary” and language that requires planners to look after your best interests.

SHOULD YOU USE A FINANCIAL PLANNER?

You can certainly go it alone when it comes to managing your money. But you could also try to do it yourself when it comes to auto repair. In both areas, doing it yourself is a brilliant idea for some, and a flawed plan for many, many others. Mastering personal finance requires many hours of research and learning. For most, it’s not worth the time and ongoing effort.

As you get older, busier and (it is hoped) more wealthy, your financial goals – and options – get more complicated. A financial helper can save you time.

Financial planners can also help you remain disciplined about your financial strategies. They’ll make the moves for you or badger you until you make them yourself.

Procrastination can cause all sorts of money problems or unrealized potential, so it pays to have someone riding you to stay on track.

We’re not suggesting that you ignore personal finance and turn over all your concerns to an adviser. But even if you know the basics, it’s a comfort to know that you have someone keeping watch over your money.

It may sound crazy to give someone 1% of your annual assets to manage them, but you get a buffet of advice about almost anything related to personal finance. The price becomes sensible when you consider that you’re paying to establish a comfortable retirement, save for your child’s college or choose the right mortgage when borrowing hundreds of thousands of dollars.

HOW DO YOU CHOOSE A FINANCIAL PLANNER OR ADVISOR?

The terms “financial planner” and “financial advisor” are used broadly; in fact, anyone can call themselves a “financial planner” or “advisor.” What sets some apart are their education and training, and the qualifications that they hold.

Choosing the right advisor depends on the kind of help you are looking for. Different advisors offer different products and services, and their professional designations can provide an indication

16 • Kamloops This week | How to Guide

of their qualifications and expertise. Ultimately, what’s important is that you’re confident that your advisor has the experience and expertise necessary to help you reach your financial goals. Don’t be afraid to meet with several potential advisors before choosing one. To make the most of your meeting, draw up a list of questions you want to ask. Be sure to take them to your meeting.

It’s best to go with a certified financial planner (CFP), which is an instant signal of credibility – but not a guarantee of same. To start, ask people like you if they can recommend a planner. If you have kids, ask a colleague who also has children. If you’re single and just out of college, check with a friend in the same boat. If possible, you want to find a planner with successful experience advising clients in the same stage of life as you.

A few more tips for finding the best planner for your situation: Consider the planner’s pay structure: You typically want to avoid commission-based advisers. Planners who work on commission may have less than altruistic incentives to push a certain life insurance package or mutual fund if they’re getting a cut of that revenue.

But fee-based advisers aren’t perfect. Advisers earning 1% of your annual assets might be disinclined to encourage you to liquidate your investments or buy a big house, even if those are the right moves at a particular point in your life, because their fee would shrink.

If you’re starting out and don’t have a trove of assets, an planner who charges by the hour could be the best fit.

These planners are best for when your needs are fairly simple. Typically, hourly planners are just building their practice, but that usually means they’ll take the care to get your finances right. After all, they’re relying on your recommendation to grow their business. Finally, many experienced advisers do hourly work because they enjoy working with younger clients who can only afford to hire someone at that rate.

Look for a fiduciary: In short, this means the planner has pledged to act in a client’s best interests at all times. Investment professionals who aren’t fiduciaries are often held to a lesser standard, the so-called sustain

ability standard. That means that anything they sell you merely has to be suitable for you, not necessarily ideal or in your best interest. This point is critical, and should be a deal breaker if a prospective planner is not a fiduciary.

Run a background check on your planner: Start with these two questions: Have you ever been convicted of a crime? Has any regulatory body or investment-industry group ever put you under investigation, even if you weren’t found guilty or responsible? Then ask for references of current clients whose goals and finances match yours.

Check to ensure the credentials the person claims to have are current: Google them, see who administers the designation, then call that administrator to verify that the credential is valid. If your advisor is a CFP, discipline records are located here.

Beware of market-beating brags. Warren Buffet outperforms the market averages. There aren’t a lot of people like him. If you have an initial meeting with an adviser and you hear predictions of marketbeating performance, get up and walk away. No one can safely make such guarantees, and anyone who’s trying may be taking risks that you don’t want to take.

Asking someone whether they’ll beat the market is a pretty good litmus test for whether you want to work with them. What they should be promising is good advice across a range of issues, not just investments. And inside your portfolio, they should be asking you about how many risks you want to take, how long your time horizon is and bragging about their ability to help you achieve your goals while keeping you from losing your shirt when the economy or the markets sag.

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Consumer How To

HOW TO ENHANCE YOUR NEIGHBOURHOOD Most of us consider ourselves to be neighborly. We will smile, nod and say hello.

We may even lend a hand when necessary.

However, there is so much more we can all do to be a good neighbor and enhance our neighborhood.

Observe, record and report anything g suspicious to the police. Always report any thefts, vandalism or other criminal acts. It is important to share this information with your neighbors as well.

Practice good habits with regard to safety and security. Crime Prevention Through Environmental Design (CPTED) principles encompass some basics on lighting, door and window locks, visibility and access points.

Be a presence: Walk your neighborhood and talk to the people who live there. Get to know neighbor routines and who lives where.

Support one another: Visualize your neighborhood. From a Develop a relationship with one of your community safety and crime prevention neighbors to assist you with safety and perspective, what could enhance your security when you’re away. neighborhood?

Have them pick up your mail and Connecting, collaborating and coordinating newspapers. Give them a key and have with your neighbors creates a strong them sporadically change lighting investment in where you live. and blinds etc., to make it appear that someone is home. Regular checks by your Take ownership: neighbor will also aid in discovering any Demonstrate pride in your home and your other household concerns or emergency yard. Keep them tidy and well-maintained. maintenance issues.

When you see someone you haven’t met, introduce yourself. If the person doesn’t Premises that are properly secured, well belong, they will know that they were lit and readily visible from the street are noƟced. As a result, they will most likely less of a target for any type of unwanted move on; parƟcularly if they were criminally occurrence. moƟvated and “casing” the neighborhood for opportunity.

By creating a sense of ownership and pride in where you live, you are demonstrating a Points to ponder: personal investment in your neighborhood. Many neighborhoods may have people In turn, this will foster a sense of mutual who sporadically engage in a number of the investment in others that live on your block acƟviƟes menƟoned in this arƟcle. or in your building.

In order to be truly successful in ”enhancing your neighborhood”, consider starƟng a Be observant & share information: When looking around your neighborhood Block Watch program. or complex, what do you see? Are things Block Watch is an eīecƟve tool to engage normal or “abnormal”; usual activities or with your neighbors and pracƟce community something out of the ordinary? Do you see safety and crime prevenƟon. people or vehicles that don’t belong?

18 • Kamloops This week | How to Guide

Consumer How To

HOW TO EAT BETTER AND LIVE HEALTHIER FRUITS

Blueberries - Blueberries are rich in antioxidants, which help fight cancer and prevent macular degeneration. Like cranberries, they contain compounds that can protect against urinary tract infections.

Oranges - A single orange gives you almost a full day's vitamin C, plus potassium. The opaque membrane around each wedge has hesperidin, which may lower cholesterol. Even the scent is calming, according to research.

Apples - Eat the skin for a high dose of fiber -- both soluble (the type that helps lower cholesterol) and insoluble (it keeps you regular). In addition to meeting 15 percent of your daily fiber needs, an apple is crammed with antioxidants.

Bananas - High in potassium and low in sodium, bananas help lower your risk of high blood pressure and stroke. Bonus: Protease inhibitors that can prevent stomach ulcers.

Kiwis - Ounce for ounce, kiwis contain more than twice as much vitamin C as oranges, plus they may lower the risk of cataracts and could even protect DNA from damage.

Red & Purple Grapes - Red wine isn't the only source of resveratrol, a powerful antioxidant that could help fight heart disease. You get nearly as much resveratrol in a cup of dark-colored grapes as you do in a five-ounce glass of merlot.

Strawberries - A daily handful helps control type 2 diabetes and stave off heart disease and inflammation. Strawberries are also an excellent source of vitamin C and other antioxidants.

Papayas - These contain papain, a substance that helps improve your digestion. Papayas also provide a lot of vitamin C and are a good source of folate.

VEGETABLES Tomatoes - Though technically a fruit, tomatoes are most often served like a vegetable. Full of lycopene, these beautiful red orbs (and all tomatobased products) are renowned for their cancerfighting capabilities. Not only are they chock full of vitaminy goodness (from vitamins A to K), they also keep our blood pressure in check and help to reduce the number of free radicals in our bodies.

Broccoli - Few foods measure up to the diseasefighting potential of broccoli. This cruciferous veg is packed with antioxidants that help reduce the risk of stomach, lung and rectal cancers. And because broccoli is rich in beta-carotene, vitamin

C and folate, it is also good at boosting your immunity to colds and flus.

Brussels sprouts - These little green veggies are especially important for pregnant woman because they're packed with folic acid, a B-vitamin that prevents neural tube defects. Brussels sprouts are also packed with vitamins C and K as well as fiber, potassium and omega-3 fatty acids.

Carrots - These orange-wonders are loaded with eye, skin and hair-enriching nutrients. They're also the richest vegetable source of some important antioxidants, like vitamin A. And because they're rich in vitamin C, carrots protect your cardiovascular system from damage.

Squash - A good source of anti-inflammatory nutrients like vitamin C and beta-carotene, squash, especially summer squash, can help treat dozens of conditions including asthma, osteoarthritis and rheumatoid arthritis. Squash is also rich in potassium, magnesium and fiber.

Sweet potato - This root vegetable has dozens of anti-cancer nutrients like vitamin A, C and manganese. They're also a good source of fiber and iron, so not only do they give you energy, they can also help regulate your digestive system.

Eggplant - High in heart healthy nutrients, eggplants are rich in antioxidants like nasunin (a unique compound that protects your brain cells from damage). And because eggplants are loaded with fiber and potassium, researchers believe they may reduce your risk of stroke and dementia.

Bell Peppers - Whether you prefer red, orange or yellow, bell peppers are packed with dozens of heart-healthy nutrients like lycopene and folic acid. And recent research suggests digging into a pepper every day may lower your risk of developing lung, colon, bladder and pancreatic cancers.

Spinach - This chlorophyll-packed type of produce is an excellent source of almost every vitamin and nutrient you need. Scientists believe a diet heavy in spinach may be able to prevent everything from heart disease to colon cancer, and arthritis to osteoporosis.

Onions - These pungent smelling veggies are particularly good for people suffering from (or at risk of developing) osteoporosis. That's because onions are loaded with a peptide called GPCS which scientists believe slows your body's loss of calcium. Onions may also be useful in the fight against heart disease and diabetes because they're loaded with vitamin C and folate.

20 • Kamloops This week | How to Guide

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PAR 3 EXECUTIVE GET ET YOUR SHORT GAME ON Golf Defined (very simple) Golf is a game played with special clubs designed to hit a small ball into consecutive holes on a golf course. Each hole on the golf course has a tee area for the initial drive of the ball, a fairway of short grass to continue hitting the ball, and a green with very short grass where the hole is located. The goal is to sink the ball in the hole with as few strokes as possible.

Par Defined: Par is defined as the number of strokes it should take a golfer to hit their golf ball into the hole on the green.

Par 3 Golf: On the Par 3 courses, the ball will (uh huh) land on the green with one stroke. Once your ball is on the green, it will (yes) take 2 strokes with your putter, to land the ball in the hole.

The Par 3 golf courses usually have 9 or 18 par 3 holes ranging from 100 yards to 250 yards in length.

Pitch and Putt: The even shorter Pitch and Putt courses usually have 9 or 18 holes less than 100 yards in length often with with bunkers or sand traps for specialized pitch shot practicing.

Only 3 clubs are allowed on the Pitch and Putt courses, one of which is a putter.

Executive Golf: The executive sized golf courses will have some par 4 holes and possibly a par 5 hole, but most holes will be par 3. The executive sized courses are much shorter, usually less than 2,600 yards for a 9 hole course and less than 5,200 yards for an 18 hole course.

Par on these courses will usually be 28-32 for the 9 hole courses and 55 to 65 on the 18 hole courses.

Comparison to Regulation: In comparison, the regulation sized courses are generally a

par of 66-73 for 18 holes with total leng gth hs lengths of more than 5,200 yards. The 9 hole courses generally have a par of 33-36 and total lengths of more than 2,600 yards for a 9 hole course and less than 5,200 yards for an 18 hole course.

Summary: The shorter golf courses play much faster and are generally less expensive than the regulation sized courses. They are great for beginners, juniors, golfers with limited Tie, golfers with limited energy, and golfers who just want to work on the very important ‘loft part of the game.

These courses are just as well kept and beautiful to play as their larger counterparts.

They re not in competition with each other, but rather complementary to each other Variations PowerPlay Golf: PowerPlay Golf is a newer form of short-game golf, where there are two ‘lags on every green. You can score extra points if you take a ‘PowerPlay’ and go for the Black Flag.

Hybrid Golf: Is the newest practical form of quick play “Championship Golf” played on executive, par-3 & mid-length courses.

Golfers use the new tru-scale (limited distance) hybrid golf ball to improve the overall playing par and enhance the design of the shorter golf course, changing it into a full-par championship format complete with par 3’s, 4’s & 5’s, just like the big course...but without the time, cost, frustration & safety issues. Allows for a full round of golf to be played in 2-3 hours... and the ball floats!

Disclaimer: Although every effort is made to ensure accuracy on our site, we cannot guarantee the accuracy, completeness or up to date nature of the information provided.

22 • Kamloops This week | How to Guide

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24 • Kamloops This week | How to Guide

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HOW TO SAVE YOUR SANITY & IMPROVE YOUR SWING Welcome to the gentleman’s game of golf, where the breeze often carries a distant murmur of swear words, and expensive clubs suffer routine abuse. Since its inception sometime in the Middle Ages, golf has inspired obsession.

Some players are lured by the refined aura of the sport, the sweeping links and velvety greens. Others are obsessed with golfing gear -- the latest drivers, spiked shoes and fancy putters. Still others simply enjoy driving around in the golf cart.

There’s no denying that golf sings a siren’s song. Too often, however, that song is soured by a wicked slice or a ball that plummets to its final resting place at the bottom of a water trap. “They call it golf because all the other four-letter words were taken”.

Before you throw down your clubs in frustration or unleash a string of profanity that would make your mother blush, we offer 6 Pieces to the Golf Swing Puzzle, from the most basic fundamentals to the golden rule of golf, that will help you save your sanity and improve your swing.

Any ham-fisted gorilla can grab a club and start whacking away at the ball. However, if your goal is to improve your swing, the first step is to pay attention to the way you hold your club.

6 PIECES TO THE GOLF SWING PUZZLE #1 THE SETUP The setup is the first piece of this puzzle. So, let’s start from the ground up. Generally speaking, your right shoe should be square and your left toe should be flared. A square right foot creates an environment for your lower body to remain relatively passive during puzzle pieces 2 and 3. However, if you struggle turning during the back-swing, experiment with flaring your right foot. This will give you more range of motion to turn properly. As for the left toe, some flare allows you to clear your lower body through impact and to the finish. Your knees at address should be slightly flexed.

This helps to create an athletic and balanced setup.

Most Tour pros start with a neutral grip. Both V’s formed by my thumbs and index fingers point to your right ear. This allows you the best opportunity to square the face at impact so that your ball starts relatively close to your target line.

The left arm should be extended at address and that extension should be maintained through the entire swing, all the way up to the finish. The right arm should start soft, allowing for a smooth takeaway. Finally, it’s imperative to create spine tilt at address. You want some tilt for irons, and more for fairway woods and the driver. Follow these steps for a good setup, and you’ll get your swing off to a great start. #2 TAKEAWAY The takeaway is one of the most misunderstood pieces of the golf swing. The goal here is to start the club on a good plane. Unfortunately, most amateurs take the club too far to the inside. This occurs because the hands don’t cock properly and the shoulders turn too quickly. Instead, when you take the club away, your hands should start to hinge immediately when your arms start moving. Also, your weight shouldn’t shift much during the takeaway. Notice the angle between your left arm and the shaft when the

shaft reaches near horizontal. There’s no need to shift, slide or force your weight over to your right side just yet. Hinging of the wrists will really allow you to create speed where it counts during the downswing. #3 THE TURN The second half of the back-swing should comprise mostly of a turning motion. The shoulders should start to rotate, which allows the shaft plane to round out. Your shaft should be pointing at the golf ball. That’s an indication you’re on the proper plane. Also, as the shoulders turn, your weight should move into the inside of your back foot.

In fact, approximately 80% of your weight should be on your right foot at the top of the back-swing. Also, it’s important to maintain a bit of flex in your right knee. Creating a good turn will allow you to transition properly, which is the next puzzle piece. #4 THE TRANSITION If the takeaway isn’t the most misunderstood piece of the golf swing, then it has to be the transition. The best players in the world transition in this order: lower body bump, torso rotation, arms dropping and wrists unhinging. Transitioning from the top of your swing toward the finish position in this order will allow the club to swing down onplane or in the proverbial “slot.” Most amateurs start down with the arms first, instead of with the lower body and then the torso. If you do that, it will create an over-the-top move, causing you to slice or pull your shots. If you transition properly, you have a better chance to maintain some lag (wrist hinge) in your swing, which then releases a split second before impact. #5 IMPACT This puzzle piece encompasses the delivery of the golf club to the golf ball. The best players in the world create ideal impact conditions, which include forward shaft lean, weight moved into the left leg even though the head should be behind the ball and a relatively square club-face. The right arm should be straightening at impact, and it’s crucial to have separation between your hips and shoulders, meaning the best players in the world at impact are relatively square with their shoulders, but their hips are opened to the target. This separation helps create room for your hands and arms to deliver the club properly, and by the way, the driver is the only club that you want to consider hitting level-to-up on. For all the other clubs, the club-head should be moving down into the back of the ball. #6 FINISH Wow, you made it! If all the previous pieces are done properly, the finish will fall into place on its own. The keys to the finish are simple: Make sure the majority of the weight is on your left foot (up to 95%) and that you’re in a good, balanced stance. You should be able to hold your finish until the ball lands. You should be all the way into your left side (Right hand swing) and the entire sole of your shoe will be visible. Also, your lead leg is fully extended as there’s no more flexion in your left knee.

Now that you’re educated on each puzzle piece, I challenge you to put them all together. You’ll see your golf swing come alive like a completed puzzle and your scores will go down dramatically!

26 • Kamloops This week | How to Guide

Squeezing vs. Holding

Gripping the club too tightly, especially with your strong hand, can make your swing cut across the ball instead of connecting with it directly.

A light grip can actually produce better results than a tight grip, because unnecessary muscle tension slows down the speed of your swing .

On the left hand, all the pressure on the grip should be coming from the last three fingers. Neither the forefinger nor the thumb of the left hand should put any pressure on the club.

With both hands, pressure on the club should come from the pads of the hand and the fingers, but never the palms.

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HOW TO PROPERLY FIT YOUR RUNNING SHOES When shopping for shoes keep the following in mind: • Feet get larger with age. We recommend you measure your feet or have them measured once a year.

• The vast majority of returns are because the shoes ordered are too small. Running shoes traditionally fit at least a half size smaller than your dress shoes, which means you should go up in size for your running shoes.

Running in shoes that are a tad too large is superior to running in shoes that are a tad too small.

Keep in mind: • Your left and right foot may differ by as much as a full size. Fit the larger foot.

• Women’s feet may become a half size larger or more during and after pregnancy.

• Feet tend to get longer with age.

Before trying on new shoes, it is best to do the following: • Make sure you try on your new shoes in the type of socks you’ll wear with the shoes.

Different socks may alter the fit.

• Feet swell during the day. Try on your new shoes later in the day, when your feet are their largest.

Once you have your new shoes on, check the following to ensure your new shoes fit properly: • The heel should fit snugly with no slippage.

• The mid-foot - the area under the arch and over your instep - should fit comfortably snug but not too tight.

• The toe-box should have enough room to wiggle your toes.

• Because feet swell during a run, allow a thumbnail’s width between the length of your longest toe and the end of the shoe.

• Moving from the ankle forward, the material of shoe around your foot should go from fitted, to relaxed, to loose around the toes.

The material should not be taut around the ball of the foot. If it is taut, then you need a wider shoe.

Before you run, keep the following in mind: • Give your feet time to adjust to new shoes - walk around the house casually for a bit before working out in your new shoes.

• A good rule of thumb for running shoes if they hurt in your living room, they will definitely hurt on the road.

Here’s what we do for you.

• Come straight to the experts at Runners Sole. Plan on spending some time here because our team members will ask you lots of questions and have several running shoe options for you to try out.

• We will look at the shape and arch to figure out what type of foot (high arches or flat feet, for example) you have. Determining your foot type is key to making sure you get the right running shoes. We will also measure your foot. If your toes are crammed in the front of the running shoe, you could develop blisters or black toenails.

• We will do a running analysis for you. We’ll watch you run in the running shoes, your running style. We’ll observe whether you’re overpronating (your foot rolls inward) or supinating (your foot rolls outward) when your foot strikes the ground.

• Give us the information so we can make the right recommendation for your fit. We will be asking you questions about what type of running you do, how often you run, where you typically run, if you’re training for a race, and what type of surfaces you run on.

• Run in the running shoes that we recommend for you. (Make sure you’re dressed to run when you’re shopping!) Simply trying on the shoes and walking a few steps inside the store is not enough. Run in each pair of shoes to test for fit, function, and comfort before making your final decision.

• Test your running shoes by running in them for a week. If you quickly develop blisters or foot pain, they may not be the right shoes for you.

• After you’ve found your perfect running shoes, you will need to replace your shoes every 300-400 miles.

28 • Kamloops This week | How to Guide

PUTTING FEET FIRST

We are professional “SHOE FITTERS” not “SHOE FETCHERS”

The proper t is crucial to your health, comfort & well being.

TIPS: If you're already a runner, bring your current running shoes with you to the store. We can look at the wear on the bottom of your running shoes to get some more insight into your running style.

• Make sure you get your foot me asured while you're standing up.

• If you use orthotics or custom -fit insoles, bring them with you to try on your running shoes. You need running shoes that are roomy enough to accommodate your insoles.

• Don't pick running shoes bas ed on the colors or style. Just because they look cute doesn't mean they'll be the best running shoe for you!

NO PAIN, NO GAIN The Runners Sole team are multi-sport enthusiasts committed to ensuring that individuals are fitted in shoes and apparel according to foot structure, activity level or type of activity and body ailments.

As Kamloops’ technical store they want to provide you with the correct shoe rather than the trendiest or most expensive shoe. Keeping true to what they do, they want you to have what’s best for YOU!

LARGEST SELECTIO N OF FOOTWEA R IN THE BC INTERIO R

DAVID DI FRANCESCO

DOUG PAETH

RICK JOHNSON WAYNE RICHARDSON

LOCALLY OWNED & OPERATED. COMMUNITY DRIVEN.

SPECIAL ORDERS AVAILABLE

CHECK OUT THE LATEST BAREFOOT FOOTWEAR FROM VIBRAM. •Bikila •Komodosport •Treksport

#74-1395 Hillside Drive • Aberdeen Village • Beside Milestones www.runnerssole.com • 250•377•4055

HOW TO CHOOSE THE RIGHT RETIREMENT COMMUNITY FOR YOU.

es and support. Ask about our independent, assisted living and care options.

Selecting the right senior living community is an important decision that involves more than simply choosing a floor plan – it’s about lifestyle. In addition to meeting your social, cultural, educational and recreational requirements, you will also want to ensure that there is a continuum of care in place to meet your needs should they change.

Whatever your motivation, here are a few things to consider as you explore your retirement living options.

Throw away your misconceptions about retirement living. Senior living communities are service-enriched residential communities, not an institution or rest home! Enjoy the advantages of an independent lifestyle within a comfortable and burden-free environment. You’ll free yourself from the daily concerns of meal planning, home repairs, and maintenance, while filling your time with new friends and a variety of social, cultural and recreational opportunities.

Are you ready for senior community living?

Before you say “I’m not ready for a retirement community,” you owe it to yourself to answer these questions: What is it I’m not ready for?

Often, people confuse moving to a retirement community with giving up all the things they hold dear.

We think you may find today’s retirement communities to be far different than you might have imagined. They’re for people who want to maintain their independence, expand their horizons, and make their own decisions. So residents enjoy life more — not less.

How will I know when I’ll be ready?

Do you worry about home maintenance? Are you tired of shopping and preparing meals? Do you have health concerns? Are you troubled about personal safety and the security of your home? Would you like to explore new interests and meet new friends? If so, now is the time to experience the freedom a serviceenriched retirement lifestyle can offer you.

Why should I consider a move if I’m still healthy?

Can you think of a better time to move? Most people need to make housing adjustments as they grow older, and our residents tell us they’re glad they decided to move while this important decision was still theirs to make. You’ve planned ahead your whole life, so don’t wait until a crisis forces you or your loved ones into a decision you haven’t prepared for.

Will I have to move again if my health fails?

Most of our residents never have to make another move! While we encourage healthy, active, independent living, we realize that circumstances change.

That’s why we provide access to a full range of servic-

30 • Kamloops This week | How to Guide

Isn’t a retirement community for “old people?”

How do I start?

Begin researching in advance — before the need arises.

A good place to start is to ask family, friends and valued advisors, such as a Financial Planner, Wills and Estate Lawyer, Accountant or family Physician, for their recommendations and help with researching retirement communities. The internet, professional resources, senior directories, senior information centers, local newspapers and social circles may also provide helpful information.

Determine which type of senior community will best fit your needs.

It’s important to understand the different types of senior living community options that are available and the types of services, support and care that are offered. In Kamloops there is a community to fit every budget and lifestyle.

representative to go over any additional questions you may have. Remember, they have a wealth of knowledge and are there to help you to determine the perfect mix of services and amenities to meet your needs.

Does a retirement community make sense financially?

When compared to the monthly expenses and upkeep of a house, many of our residents have found that they actually spend less per month and gain countless additional benefits by moving to a retirement community. To help you determine if a retirement community makes sense financially to you, we suggest you ask for a “You Make the Comparison” Worksheet.

• Schedule a meeting with one of our Senior Living Experts to discuss which retirement lifestyle, floor plan or care services best match your needs and budget.

Do you have a home to sell?

Berwick on the Park has a number of valuable resources and programs to help you make the transition as smooth as possible. Here are some tips for getting started: • Contact a professional Realtor to assess the true market value of your home.

• Attend one of our Seniors on the Move Seminars

Narrow the list of potential communities to a few possibilities by taking into account location, amenities, activities, support services and care options.

Working from a checklist — matching your preferences and needs to those being offered — can be very helpful in the selection process.

• How to stage your home and sell your home

Visit the community.

• How you can receive helpful checklists for moving to a retirement community to aid you in preparing for your move

Tour retirement communities in your area to best evaluate your options and get a feel for their “culture.” Sample the dining services by visiting for lunch.

Or, attend a community event or social — there are numerous low-key opportunities which provide funfilled, no-pressure invitations to mingle with current residents and preview the community.

Take your time.

You will most likely need more than one visit to make a decision as to whether or not a community is right for you. Make an appointment with a community

• How to work with a downsizing specialist to prioritize and consolidate your valuables for a move • Who to call for help with packing, moving and decorating

• Speak with one of our Senior Living Experts to discuss financial/funding programs that may be available.

So when you’re shopping for retirement living for you or a family member, consider the Berwick on the Park difference and make sure you ask about the BCSLA Seal of Approval.

H A O

VA C

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