Cover Story: Princess Dental

There are so many benefits to having your furbaby attend doggy daycare! And listed below are just a few.

• Alleviates boredom and loneliness, and the anxiety that loneliness can cause, such as separation anxiety • Helps socialization with people • Provides necessary exercise and socialization with other dogs who learn how to play in a pack • Prevents destructive behavior that can occur when a dog is home alone and unsupervised • Eliminates guilt for pet parents who feel worried or remorseful about leaving their dogs unattended home alone all day • Learn how to play in a pack • Acclimatizes puppies to parting from their owners at an early stage • Facilitates calmness and better sleep for dog and owner

Once you have decided to attend our daycare make sure to see a vet to ensure that all the vaccines that are required to attend are up to date and screened for any potential health issues. This is very important!

So! Now you have chosen to attend Friends fur Life Daycare, what is the cost?

We offer many different costs to fit your budget. We also offer a very easy way to book your daycare ahead of time to ensure you have a spot!

This amazing portal also allows you to view your passes and ensure that you are aware of how many you have left, upcoming bookings, and other great communication tools!

Visit our website www.friendsfurlifedaycare.com – Select our BOOK NOW and Create a Profile! Follow the instructions and voila you are ready to go!

Pass Per Day Total Payment*

1 Day Pass $20.00 $20.00 10 Day Pass $18.00 $180.00 20 Day Pass $17.50 $350.00 _______________________________________

1 - ½ Day Pass $14.65 $14.65 10 – ½ Day Pass $14.00 $140.00 20 – ½ Day Pass $13.75 $275.00

* Total payment does not include GST We are open 6:45am – 6pm Monday through Friday.

We are located at 941 26th street, Brandon Manitoba.

We offer onsite grooming and nail trimming.

We have lots of love to give.

We hope to see you soon!

The Importance of Wills

BY ALEX KLIPPENSTEIN, EPP LAW OFFICE

WHY DO I NEED A WILL? A will allows you to provide clear directions for your property after you die. A will also lets you provide a back-up plan for your property if the person you plan to give your property to dies before you. If you have children, a will can specifically name a legal guardian for your children in the event that you and your partner pass away while your children are still minors. A will also allows you to name the person in charge of your property when you die. You can name multiple people or substitutes if the first named person dies before you.

WHAT HAPPENS IF I DIE WITHOUT A WILL? In Manitoba there are certain default rules under the Intestate Succession Act that list who is entitled to your property if you die without a will. These rules basically say that the first person entitled to your property if you die without a will is your spouse or common law partner, then your biological children, then your parents and then your siblings. Not having a will makes it more difficult to administer your estate as your next of kin will have to make an application to the court which will require the consent of all the other next of kin if they are closer in relation to you than the person willing to make the application.

WHEN SHOULD I REVIEW MY WILL? Generally speaking, it is recommended that you review your will every 5 to 10 years or after a significant life event. This could be a marriage, separation, divorce or acquisition of a large amount of property. It is important to note that any will that you may have before marriage is void after marriage as your partner will have certain rights to your estate regardless of whether or not they are included in your will. Your will can be changed anytime before you die provided you are mentally competent. Depending on the changes you plan to make, some changes can be made by attaching these to your original will without having to make a completely new will. Alex Klippenstein prepares Wills, Powers of Attorney and Trusts to assist clients in fulfilling their unique estateplanning objectives. Contact Alex for your consultation. 

Epp Law Office Unit A – 642 18th Street, Brandon MB 204-717-3775 alex@epplawoffice.ca www.epplawoffice.ca

A Season of Thanks

What a year it has been – we are forever grateful. When Epp Law Offi ce fi rst opened our doors November 2 2020, we were a team of 4. Since then, our team has expanded to 10, and with that, we outgrew our space and moved into a newer, larger space to accommodate the new staff and clients. Our team is dedicated to building relationships and taking care of every unique detail for each client and situation. We pride ourselves on our experience and continued excellence that has built Epp Law Offi ce. Best Wishes this Holiday Season and a prosperous New Year. The Team at Epp Law Offi ce

Epp Law Office 642 18th Street, Unit A Brandon MB 1-204-717-3775 www.epplawoffi ce.ca

HOW TO MAXIMIZE

YOUR HOLIDAY HAPPINESS

BY MICHAEL VAN LIEROP, PRESIDENT NEW OUTLOOK WEALTH MANAGEMENT

The holiday shopping season

is notorious for blowing a massive hole in most family budgets, regardless of income. This year, with warnings of supply chain disruptions, shortages, and shipping delays from China, retailers – both online and offline – are urging Canadians to get their shopping done early. This has always been well-meaning, though often-ignored, advice, but this year seems different. Early holiday shopping does offer one major financial advantage – you can plan and prepare your spending. Last minute shopping (which includes most retail excursions around Christmas-time, due to the impulsive buys we all tend to succumb to!) is routinely blamed for maxing out credit cards.

The fourth annual Holiday Shopping Survey, conducted by the Retail Council of Canada, found that Canadians are more optimistic going into this holiday season than last year, and are ready to return to physical stores, shopping in person, and spending more money. The survey also revealed that 30 per cent of participants planned to start their shopping before November and 36 per cent in November. Canadians will spend, on average, $792 leading up to the holidays.

How do you mitigate the potential damage of all of this shopping? The most diligent budgeter will have planned judiciously throughout the year for the gift giving season, some even opting to buy and stash the gifts when the right item appeared back in June or July. Some people will deliberately set aside a monthly savings goal for this purpose, ensuring they don’t end up in a credit card-fueled buying frenzy at the last minute. A simple $100 a month or $25 a week set aside in a separate account can do the trick. That sort of discipline may not be everyone’s cup of tea, but it absolutely works. But what else can you do? It’s simple – set a budget, and stick to it. Even if the budget requires some borrowing from the bank of Mastercard, the very fact you’re setting a limit (that, hopefully, is below your credit limit) is a simple and effective way to psychologically remain in control. You can set a total budget, or even break it down by target recipient. This budget can be made months in advance, take into account unforeseen holiday expenses, large increases in food and booze consumption for parties, and even those oopsie-gifts (those bought at the very last minute because you forgot someone, literally hours before they arrive for dinner). Right. That never happens!

Overall, whether holiday shopping is a year-round concern or a last-ditch effort to keep someone happy, it can represent thousands of dollars in expenditure for an average family. If you’ve never considered entering it as a line-item in your financial plan’s budget, perhaps it’s time to review your spending plans for 2022 with your Advisor.