Norfolk Hub January 8, 2013

370 Queensway West, Simcoe Ontario N3Y 2N2 PH 519.426.6150 FX 519.428.4283 TF 1.800.265.2812 *L imited time Lease offer avaiLabLe through voLkswagen finance, on approved credit, based on a new and unregistered 2013 J etta 2.0L base modeL with 5-speed manuaL transmission. $1,395 freight and pdi incLuded in monthLy payment.

36- month term. $0 down payment and $220 security deposit. $29 ehf (tires), $5 omvic fee, $46 ppsa, up to $499 deaLer administrative fee due at Lease inception. totaL Lease obLigation: $6,048. 48,000 kiLometre aLLowance; charge of $0.15/km for excess kiLometres. L icense, insurance, registration, options, tffc, if appLicabLe, and other appLicabLe taxes are extra . d eaLer may Lease for Less. d eaLer order /trade may be necessary. o ffer ends J anuary 31, 2013 and is subJect to change or canceLLation without notice. visit vw.ca or s imcoe voLkswagen for detaiLs. vehicLe may not be exactLy as shown. “voLkswagen”, the voLkswagen Logo and “J etta”are registered trademarks of voLkswagen ag. © 2013 voLkswagen c anada .

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January 8, 2013 Volume 6 Edition 14

H a p py

Gair

Insurance Ltd

a new perspective

A FREE Weekly Community Newspaper

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NORFOLK HUB, January 8, 2013 page 2

ntario Balance

By Dave Scott I have stopped by to visit Jeff Scott at Great Lakes Physiotherapy and Sports Medicine before, but this time when I went to visit we chatted about the new Ontario Balance Centre that has opened within their facility… it turns out that Jeff has been treating vertigo, acute and chronic balance disturbances, motion sickness and motion-induced nausea for the past seventeen years and decided to let people know that he and his staff could help!

Jeff explained that when he was practicing in Texas, a state trooper came in one day so dizzy that he was bouncing off the walls and feeling nauseous. The trooper had been in a car accident, which in turn was causing a balance disorder. Treatment began and soon the officer was back on his feet.

The whole thing intrigued Jeff and soon he was working with patients dealing with balance issues.

Since starting his own business here, Jeff has continued to help those with balance disorders… and with growing numbers coming to see him, he decided to form the Ontario Balance Centre right here

Any reproduction of this publication without permission is prohibited.

Opinions and comments within this publication are those of the writers and not necessarily that of the Norfolk Hub.

Centre

in Simcoe at 17 Talbot Street North, (519) 429-3678.

We sat and chatted about just how debilitating things such as vertigo can be. Jeff took the time to explain how it happens, or I guess what is happening to you when things get topsy-turvy in your world.

To make it simple for me, Jeff described the parts of your INNER ear, and each one of those parts contain fine sensors (lets call them HAIRS), sometimes these HAIRS GET EFFECTED BY crystals, which in turn cause you to feel wobbly or nauseous. Now these components all affect different problems that can occur.

I checked on the Vestibular Disorders Association site (http:// vestibular.org) and found this explanation.

Maintaining balance depends on information received by the brain from three peripheral sources: eyes, muscles and joints, and vestibular organs. All three of these sources send information to the brain in the form of nerve impulses from special nerve endings called sensory receptors.

Input from the vestibular system (is as follows…) Sensory information

Helping Others!

Port Dover KIA and Mike’s nofrills in Dover made Christmas a little brighter for a bunch of children and for that the Hub just wanted to say, ‘Great Job and Thank you for being community leaders!’

Dr. Alan Plater Dr. Geoffrey Manchester Dr. Stephanie Landry

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415 Queensway W., Simcoe (Hwy. #3, just west of Hwy. #24)

Norfolk Hub Radio at

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about motion, equilibrium, and spatial orientation is provided by the vestibular apparatus, which in each ear includes the utricle, saccule, and three semicircular canals. The utricle and saccule detect gravity (vertical orientation) and linear movement.

The semicircular canals, which detect rotational movement, are located at right angles to each other and are filled with a fluid called endolymph.

When the head rotates in the direction sensed by a particular canal, the endolymphatic fluid within it lags behind because of inertia and exerts pressure against the canal’s sensory receptor. The receptor then sends impulses to the brain about movement. When the vestibular organs on both sides of the head are functioning properly, they send symmetrical impulses to the brain. (Impulses originating from the right side are consistent with impulses originating from the left side.)

If you just read that last little part and went, ‘huh?’ don’t feel bad, I did too, but the great part about sitting down with Jeff was just how easy some of these balance and nausea issues can be resolved. Jeff and his staff have a huge success rate OF AT LEAST 95% EFFECTIVENESS – without medication! AWESOME! If the problem is acute it may take two or three visits… now chronic

may take anywhere from three to six weeks.

The treatment really involves retraining your brain so that your sensory system gets back on track. Jeff says that sometimes during the treatment, as the body is readjusting or recalibrating its equilibrium, some folks may feel ill, but soon enough as progress is made, folks feel better.

A couple of amazing stats Jeff pointed out were that dizziness affects 50% of adults at some point in their life; 65% of individuals older than 60 experience dizziness or balance disorders (often on a daily basis); and finally balance related falls account for 50% of accidental deaths in the elderly here!

Over the years, Jeff has seen folks walk through the doors, literally in tears, because they cannot do the simplest of chores without becoming dizzy. They have often spent days, months, or years missing out on much of what life has to offer. To be able to help them get better, and get their life and freedoms back; to be able to watch them leave smiling and walking proud makes it all worthwhile for Jeff.

If you are experiencing vertigo or any balance disturbance give the Ontario Balance Centre a call (519) 429-3678 one simple test may be the road to recovery.

NORFOLK HUB, January 8, 2013 page 3

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The Hyundai names, logos, product names, feature names, images and slogans are trademarks owned by Hyundai Auto Canada Corp. †Finance offers available O.A.C. from Hyundai Financial Services based on a new 2013 Elantra L 6-Speed Manual/ Sonata GL Auto/Santa Fe 2.4L FWD Auto with an annual finance rate of 0%/0%/0% for 24/48/24 months. Bi-weekly payment is $298/$214/$524. No down payment required. Cost of Borrowing is $0/$0/$0. Finance offers include Delivery and Destination of $1,495/$1,565/$1,760 fees, levies, and all applicable charges (excluding HST). Finance Offers exclude registration, insurance, PPSA and license fees. Delivery and destination charge includes freight, P.D.E., dealer admin fees and a full tank of gas. Financing example: 2013 Sonata GL Auto for $22,200 (includes $3,500 price adjustment) at 0% per annum equals $214 bi-weekly for 48 months for a total obligation of $22,200. Cash price is $22,200. Cost of Borrowing is $0. Example price includes Delivery and Destination of $1,565, fees, levies, and all applicable charges (excluding HST). Example price excludes registration, insurance, PPSA and license fees. ▼Fuel consumption for 2013 Elantra Sedan L 6-Speed Manual (HWY 5.2L/100KM; City 7.1L/100KM)/2013 Sonata GL Auto (HWY 5.6L/100KM; City 8.7L/100KM)/2013 Santa Fe 2.4L FWD Auto (HWY 6.7L/100KM, City 10.1L/100KM) are based on Manufacturer Testing. Actual fuel efficiency may vary based on driving conditions and the addition of certain vehicle accessories. Fuel economy figures are used for comparison purposes only. †♦Friends & Family prices for models shown (includes $2,000/$3,225/$1,250 in price adjustments): 2013 Elantra Limited/Sonata Limited/Santa Fe 2.0T Limited AWD is $22,830/$27,475/$39,145. Prices include Delivery and Destination charges of $1,495/$1,565/$1,760, fees, levies, and all applicable charges (excluding HST). Prices exclude registration, insurance, PPSA and license fees. ♦Friends & Family Selling Prices are calculated against the starting price less all factory to dealer price adjustments (including Friends & Family price adjustments). Friends & Family Selling Prices include Delivery and Destination, fees, levies, and all applicable charges (excluding HST), and exclude registration, insurance, PPSA and license fees. ‡Factory to dealer price adjustments (including Friends & Family price adjustments) are calculated against the vehicle’s starting price. Factory to Dealer Price adjustments of $2,000/$3,500/$1,150 available on 2013 Elantra L 6-Speed Manual/Sonata GL Auto/Santa Fe 2.4L FWD Auto. Factory to dealer price adjustments are applied before taxes. Offer cannot be combined or used in conjunction with any other available offers. Offer is non-transferable and cannot be assigned. No vehicle trade-in required. †♦‡Offers available for a limited time, and subject to change or cancellation without notice. See dealer for complete details. Dealer may sell for less. Inventory is limited, dealer order may be required. ◊Based on Natural Resource Canada’s 2012 ecoEnergy award for most fuel efficient full-size car. ††Hyundai’s Comprehensive Limited Warranty coverage covers most vehicle components against defects in workmanship under normal use and maintenance conditions.

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Annaleise out fourteen other female [PRINTED AT] [SPECIAL INSTRUCTIONS] beat [PUBLICATION INFO] [FONTS] Arial Narrow NONE 65% According to WOWSAArial; (World Open Water swimmers from all over the world… USA, Univers LT Swimming Association), the Woman of INNOCEAN theWORLDWIDE Year, Hungary, Australia, Hong Kong, Sweden, Brazil, Please contact Monica Lima e: mlima@innoceancanada.com t: 647-925-1315 c: 416-806-0468 CANADA, INC. 662 King St. West, Unit 101, Toronto ON M5V 1M7 is meant to honour the individual who best New Zealand, Argentina and Great Britain. embodies the spirit of open water swimming, Congrats to Annaleise! possesses the sense of adventure, tenacity and [JOB INFO]

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Coming Events!

— Sit to be Fit now offered across Norfolk County! Make your new year’s resolution a reality! This is an adaptable exercise program for all ages and abilities. Exercises focus on increasing strength and balance. FREE of charge! Mondays: Hazel Place, 645 Norfolk Street N, Simcoe at 1:30 - 2:30 pm. Fridays: Port Dover Silver Lake Market, 320 St Patrick

Street, Port Dover, 1 - 2 pm. Saturdays: Delhi Community Health Centre, 105 Main Street, Delhi, 11 am - 12 pm. Contact slasko@alzhn.ca or (519) 428-7771 for more information.

— Free clothing is available on Saturday, January 26th from 9 am to 12 noon, at St. James United Church, 150 Colborne St. South, Simcoe.

Please enter off the parking lot.

— OPEN STAGE – for 50+ Seniors - Dust off & tune that instrument, then join us for an afternoon of friendship, and the fun of practicing your talent. Instrumental & vocal music, Poetry Reading, Family Comedy, Microphone & Piano Provided - Participate or just enjoy the show. At the Delhi Senior Friendship Centre 418 Queen St. Delhi every Thursdays at 2 pm.

Cost members $2, non-members $3. Call Chris (519) 583-9038 or email cals@ymail.com, or the Centre at (519) 582-3881.

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NORFOLK HUB, January 8, 2013 page 4

Big SplaSh

C

Of The Week!

Cameron Shields, age 10, attended the Haldimand Norfolk chapter’s Remember Me program this past summer and learned many ways to interact with his grandfather.

hildren and Dementia

Courtesy of Alzheimer Society Haldimand Norfolk Today 747,000 Canadians are living with dementia and at least one in five baby boomers can expect to be touched by this disease.

Adjusting to a diagnosis of dementia is difficult for everyone but can be even more challenging for children as they are often sensitive to the atmospheres and tensions even when they haven’t been told the facts. Many of the reactions from children are similar to those that adults have. They may be afraid for their parent or grandparent, they may feel grief, sadness and loss. Anger, irritation and impatience are also common reactions and children may be less skilled than adults at handling these emotions.

Older children in particular may appear to be indifferent or may not react at all.

Children often feel guilty for bad things happening in the family, even when there is no logic to their thinking. They will notice the families’ pain and may feel guilty for that, so how well you handle the changes of the person with dementia will likely have an impact on your kids. However, much of how they react will depend on their personalities, combined with the information they absorb.

The Alzheimer Societies of Haldimand Norfolk offers education programs for children that provide an opportunity to discuss what they already know or think they know about dementia. They are given some basic information about how the brain functions and through activities come to understand that although other functions of the brain will be affected by dementia, feelings remain. Through various activities, children learn about how brain function and the environment affect the behaviours of the person with dementia.

Children also learn tips and strategies for good communication and appropriate activities for a

person with dementia.

“Children who have participated in this education series feel better equipped to handle the issues related to their experience with dementia”, states Susan Cuming, Public Education Coordinator for the Alzheimer Society of Haldimand Norfolk. “They can often relate the information better than some adults as they are more open to change and able to think ‘outside the box’ much more easily than some adults.”

Cameron Shields, age 10, attended the Haldimand Norfolk chapter’s Remember Me program this past summer and learned many ways to interact with his grandfather. His grandmother, Marg Shields explains, “I am so proud of Cameron. Since participating in the education for children, Bryan, Cameron’s grandfather, who has Pick’s disease, seems more relaxed around the children because they are more comfortable around him. They know where his odd manner is coming from so they are more sure of him. Cameron often corrects us as to what to do when we get frustrated with Bryan and answers questions from his sister when she is confused about Bryan's comments.”

Cameron’s dad, Andrew states that, “Cameron has always shown patience with his grandfather but he has so much more than before. Cameron always treats and reacts to his Grandfather in a positive way, with a smile on his face and whatever happens doesn’t bother him. We have also seen a difference in my daughter, who was too young to attend the program, because she is influenced and educated by Cameron. What he learned he is passing along.” Andrew also commented, “My father’s dementia has been difficult for me, especially in the beginning. It was hard for me to deal with the disease when all I saw was my father being very difficult. Now when I become frustrated with my father, it is my son that reminds me of the effects of the disease and to calm down. Cameron truly does think he is an expert on dementia and does not

hesitate to educate others.”

Cameron enjoyed the learning activities at the Remember Me program, particularly making a body sized outline of the human nervous system and said it was great to be with other kids who had people in their life that had dementia. “We were able to compare what we see and share how we feel with those other kids.” When asked what he learned through participating in the program he said that he didn’t know it was the disease that would make his Grandfather act and behave in a difficult way and that there were other symptoms beside memory that are affected by dementia, like sight and coordination. He also learned that there were many different types of dementia, not just Pick’s and Alzheimer’s.

“Since I took the program I feel I am more of an expert than most people about dementia and I have a better understanding of those who have dementia.” Cameron also added that he learned, “People with dementia are always right because they don’t know they are wrong.”

Trying to help kids understand that their parent or grandparent is still the same person and that it is the disease that has changed them is one of the objectives of the program. Dementia can take away communication and evident memory, but it doesn’t change the heart. Feelings remain and the love for their children or grandchildren remains as strong as ever.

Strategies and Tips for Talking to Children About Dementia • Be honest and allow children to feel their emotions • Answer all questions as honestly as you can • Don’t be afraid to say, “I don’t know.”

• Keep explanations simple. Use short, everyday words and try to avoid medical jargon • Contact your Alzheimer Society for information about children’s education and resources (Norfolk’s office is located at Hazel Place, 645 Norfolk North Simcoe, (519) 428-7771).

NORFOLK HUB, January 8, 2013 page 5

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Just before the holidays got under way, I stopped by D&B ClimateCare where president Dave Murtland and his staff were proudly presenting a cheque for $300 to Kim Scoyne of the Caring Cupboard in Simcoe. Just another great company in our community stepping up to help others!

Athlete’S profIle Athlete NAme Terri-Lynn Butler hometowN Simcoe SportS plAyed Baseball and Bowling yeArS INvolved 5 Years AwArdS receIved Lots of Ribbons BIggeSt INflueNce IN My Dad (He coaches me) SpecIAl olympIcS work Café at NACL INtereStS & hoBBIeS Hockey, Country Music my hero My Dad teAm mAteS Ashley Haskett, Frank Cruz and Trisha Almon

77 Queensway E, Simcoe 519.426.8084

Lyn n Te rri r Bu tl e

77 Queensway E, Simcoe 519.426.8084

NORFOLK HUB, January 8, 2013 page 6

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Discovering Birds in Norfolk with George and Vic

Chickadees and Cardinal

By George Pond Most species of birds, especially the insect eating birds, move south for the winter months where food is more plentiful. A number, however stay here. These are mostly the seed eaters like the Chickadees and Cardinals, two birds that are very familiar to us all. I expect that every bird feeder in this area is regularly visited by both species. However, if you had been living in Norfolk County a hundred and twenty years ago your chances of seeing a Cardinal would have been very, very slim. This species has been expanding its range northward for many years. According to Robert Curry in “Birds of Hamilton and Surrounding Areas” Cardinals entered Ontario “via Point Pelee,

where the first breeding was recorded in 1901.” “The Cardinal first graced a Hamilton Christmas Bird Count in 1930 and has never been missed since.”

Today Cardinals are abundant in this area but they are still considered as uncommon in northern areas like Sudbury and North Bay. Although they have expanded that far north not every feeder in those areas would have the pleasure of watching these beautiful birds like we do.

A friend of Vic Gibbons captured these three birds on film and as he so often does Vic has moved them to a White Birch tree, placing them in a winter setting with lightly falling snow. To me this is a lovely “Christmas Card” painting.

Cary Vervaeke B.A. M.A. LL.B.

Family Law

Grade 8 Student & Parent INFORMATION NIGHTS

Criminal Law Civil Litigation

Time to start High School?

Let us help your child’s transition into Grade 9

Delhi District Secondary School Tuesday, January 15 6:00 p.m. to 7:00 p.m.

Simcoe Composite School Wednesday, January 16 6:00 p.m. to 8:00 p.m.

Waterford District High School Thursday, January 17 6:30 p.m. to 8:00 p.m.

Valley Heights Secondary School Tuesday, January 22 5:00 p.m. to 7:00 p.m.

GRAND ERIE...

Your Choice in Education Learn what you need to register and locate the program and school of choice online...granderie.ca

Did You Know?

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Everyone knows the stereotype of a divorce being a long, unpleasant process. What the stereotype doesn’t tell you is that combative divorces often result in long battles in which nobody wins.

At Brimage Law Group, we prefer a more mature approach that ensures the matter is resolved as quickly and amicably as possible, allowing you to move on with your life. And if the other party insists on being uncooperative, we’ll stand by you until the end, fighting for a swift resolution.

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NORFOLK HUB, January 8, 2013 page 7

LEON’S FURNITURE s ' n C o h ari Le tie s Events!

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NORFOLK HUB, January 8, 2013 page 8

Ask A LAwyer

Corina Anghel Bachmann Member of the Ontario Trial Lawyers Assoc.

Erie Shores Brain Injury Assoc. & Lynn Valley Trail Assoc.

sLIP & FALLs PArT II THe LeGAL IMPLICATIONs

If you have been injured in a fall and wish to be compensated for your injuries, you must consider the issue of liability (whose fault is it); and the issue of damages (what are your injuries worth).

LiABiLity Responsibility for your injuries will often rest with the occupier of the place where you fell. Under Ontario law, the occupier of a property can be the owner, the tenant or the person in possession of the place where you fell. In addition, the people responsible with maintaining or repairing the place also owe a duty of care to the users of the property.

The legal duty of care requires the occupier to take such care as is reasonable in all the circumstances to see that persons entering their premises are reasonably safe.

Notice the word “reasonable” - courts have held that occupiers are not “insurers” and need not be perfect in their obligation to ensure the safety of the people using their premises. Determining whether there has been a breach of this duty often involves expert and scientific evidence to show the unusual dangers of the premises or lack of maintenance and warnings.

CompensAtion The injured person usually has the right to recover compensation for pain and suffering; loss of income and loss of earning capacity; loss of housekeeping and home maintenance capacity; medical expenses; rehabilitation and care costs; and any other out of pocket expenses.

Additionally, spouses and other family members may be able to claim for loss of care, guidance and companionship, as well as compensation for providing services to the injured person.

Photo by CindyPichette.com

CAn A sLip And fALL CAse Be won?

Success in these cases often depends upon proof of fault. Such proof can come from an eye witness, photographs or expert evidence. It is therefore vital that you take pictures of the area where you fell, especially if you fell on spilled liquid or ice, since this evidence is hard to preserve. Other defects of a more permanent nature such as an uneven surface may be shown by a subsequent engineering inspection.

The early involvement of a lawyer for the injured person often makes the difference between a case that fails due to lack of proof, from one that results in compensation for the damages and losses caused by the injury.

www.bachmannlaw.ca

519.428.8090

39 Kent st. n. #5, simcoe New Offices Coming Soon...

101A Queensway E.

HealtH is in our nature

Sean Armstrong

elimination Diet CHallenge

Have you ever wanted to explore an elimination diet to assist in determining food sensitivities?

Join Ashley Beeton - Naturopathic Doctor this January for the month long challenge.

The introductory week is free, each additional week will cost $10, and will include elimination friendly samples.

January 9 - Introduction to the Elimination Diet January 16 - Challenges of maintaining elimination January 23 - Recipe sharing January 30 - Reintroduction of suspect sensitivities Meetings will occur Wednesday evenings 6-7pm at The Armstrong Clinic, 55 Kent St. South, Simcoe Registration is encouraged, as space is limited.

Call today to reserve your spot: 519-426-4275

Winter HealtH Promotion

Any new patient visit scheduled at the Armstrong Clinic in January 2013 will receive a complementary 1 hour Sauna treatment, and a complementary BIA screening (regular value of $35+HST).

Burn calories while relaxing, detoxify and boost your immune system in the Sauna while the temperature drops off outside.

Bio Impedance Analysis (BIA), or ‘body composition’ screening will give you an accurate assessment of your body’s internal ratio’s of water, to muscle, to adipose tissue (fat). Track this with follow-up screenings to make sure the dietary and nutritional changes you make are the right and healthy ones for you! Your Naturopathic Doctor will help guide you on an individual program to help you make healthy lifestyle decisions and prevent chronic disease.

It is never too late to make a positive change and turn it into a habit!

Call the clinic if you have any questions.

Our friendly staff will be happy to assist you.

Naturopathic Flu Shots are available year-round ($20+HST/person).

Boost your immune system to clear those nagging cold symptoms, and prevent future infections so you can enjoy the rest of your winter! Safe, needle and egg free and can be taken while fighting a cold.

519.426.4275

55 Kent Street South, Simcoe

www.armstrongclinic.com

Radial Shockwave Therapy

Radial Shockwave Therapy is a new treatment option for those that are affected by conditions such as: • plantar fasciitis • bursitis • Achilles tendinopathy (commonly known as Achilles tendonitis) • tennis elbow • calcific tendonitis

How does it work?

pneumatic generator physically delivers the A shock wave to the skin,

where it is transformed to sound energy and delivered to the targeted area. The use of shock waves makes the treatment completely non-invasive and is well tolerated by patients. The effects of shock waves were discovered several decades ago after it was noticed swimmers in the Pacific Ocean were affected by the detonation of mines although they were well out of the blast radius. As the scientific community grew more understanding of the effects caused by shock waves, and medical technology advanced to a sufficient level, the medical profession was able to harness the power of shock waves for therapeutic uses.

Radial Shockwave Therapy works by effectively breaking down tissue in a controlled manner to allow the targeted area to heal properly through the regeneration of blood vessels. It has shown to be successful in the treatment of chronic pain.

Results can be felt after only one treatment with a large improvement becoming evident after a month’s worth of treatment, on average tissue regeneration takes place after three months. With Radial Shockwave Therapy, patients are in and out the door with treatments typically only taking between five to ten minutes.

Anyone who may think radial shockwave therapy may be right for them should contact...

West Street Health Centre, Simcoe • 519-426-8330 Waterford Medical Centre • 519-443-6663 Dr. Marshall Thompson B.Sc.D.C. Chiropractor

NORFOLK HUB, January 8, 2013 page 9

GardeninG Tips

Dave Zeldon

CarinG For CaCTi and suCCulenTs

his time of year many of us gardeners focus on our indoor plants while awaiting for the warmer weather to return. Now is an excellent time to T tend to our otherwise neglected cacti and menagerie of succulents.

Light RequiRement: Try to locate your plants in a bright southerly window which gets at least 4 hours of bright sunlight a day. tempeRatuRe: In winter, most cacti and succulents prefer a cooler place to rest such as minimally heated room that has the night-time temperature dropping below 16̊ C / 60̊ F. In fact, some cacti require a very cool resting place in winter if they are to set flowering buds.

WateRing: Most cacti and succulents will begin to shrivel if they are under- watered, but quickly recover upon adequate watering. Since these types of plants are prone to root rot if their roots are left standing water, it is better to irrigate them lightly two or three times over a few days.

FeRtiLiZeR: Since these plants grow very slowly, they have less need for nitrogen than many other houseplants. It is suggested that a special cactus fertilizer with the analysis of 2-7-7 be used and only during periods of active growth.

SOiL: Cacti and succulents need a very fast-draining soil media. This type of soil can be purchased or made by adding sand, fine gravel or perlite to a regular potting soil. Also by adding pebbles to the bottom of the container and to the surface of the soil (which then also mimics the desert), providing the extra weight needed to help prevent the potted plants from toppling over.

RepOtting: Of course if your plants keep toppling over or they have grown within 1.25 cm of the edge of their container, maybe repotting is in order.

If the plant is so rootbound that it is to hard to remove from the container, you may either have to break the pot or remove some of the top growth which can be used for the propagation of more cacti for your friends and family!

Either way, if you are dealing with spiny cacti, thick leather gloves or rubbercoated gloves are a must.

519.428.4607

Investment AdvIce

John de Witt

Investment AdvIser dWm securItIes Inc.

RIsks to YouR RetIRement Income

Longevity, inflation, asset allocation, annual withdrawal rates and out-of-pocket health care costs are risks you need to plan for when drawing retirement income from your investments.

Longevity As healthy lifestyles continue to extend life expectancy, you will have to consider and plan for the possibility that you’ll need 30 years or more of inflation protected retirement income. infLation During the global banking crisis the risk of inflation appeared to be replaced by that of deflation. As a result, central banks and governments continue to flood the world with cheap money. Now a huge increase in inflation is possible. However, it’s likely the Bank of Canada will successfully maintain its’ inflation target of 2%. But even this seemingly insignificant rate of inflation will wipe out approximately 40 per cent of your purchasing power over a 25-year retirement. asset aLLocation Asset allocation helps you manage the risk, market volatility and liquidity in your investment portfolio. Many investors understand the importance of all four assets. That is why your portfolio should have appropriate amounts of real estate, equities, fixed-income and cash.

During the crisis, many investors changed their asset allocation by switching all their assets to the ‘safety’ of cash type investments. They now face their retirement with a diminished portfolio that produces a much smaller income. If this happened to you, you must adjust something, either your retirement plans or how your portfolio is invested.

WithDraWaL rates Anything more than a four or five percent annual withdrawal rate increases your risk of outliving your money. Investors who increased their withdrawal rate to compensate for declining portfolio values during the financial crisis now have a smaller than originally anticipated nest egg.

If this happened to you, what are your options? One option is while you are saving, to accumulate enough so that a four per cent withdrawal rate early in your retirement would provide more than enough income. If your portfolio value happens to drop, the four per cent withdrawal rate would still cover expenses.

Another option is lowering the annual withdrawal rate while reducing your expenditures, or obtaining some employment income, to cover the difference. out-of-Pocket heaLth care costs The real issue about out-of-pocket health care costs is not whether there will be any, but how much they will be. A simple solution is to have insurance, but not all can afford to insure against all risks such as critical illness and long-term care.

If insurance isn’t an option for you; then one approach is to have enough liquidity in your portfolio to cover several thousand dollars of out-of-pocket health care costs if required.

Another approach is having a plan to cut specific expenses to cover the costs of a medical situation.

The global financial crisis and the ensuing economic recession caused both financial and emotional distress for many older Canadian investors. It has also highlighted the need for a written retirement income plan that incorporates strategies to mitigate the key risks to your retirement income.

This arTicle was prepared by John de wItt who is an invesTmenT advisor wiTh dwm securiTies inc., a dundeewealTh inc. company. This is noT an official publicaTion of dwm securiTies inc. The views (including any recommendaTions) expressed in This arTicle are Those of The auThor alone, and They have noT been approved by, and are noT necessarily Those of, dwm securiTies inc.

DundeeWealth

814 Cockshutt Road, Simcoe, One kilometre south of Renton

jdewitt@dundeewealth.com

www.eising.ca

4-191 QueenswAY west, sImcoe on 519.426.2782 Paige Moyce and Melissa DePaepe handing toys to AnnMarie Arsenault from the Powerhouse Project.

C

hristmas wish

Valley Heights Secondary School student, Paige Moyce's Christmas wish was to collect and donate

toys to local children who may be having a difficult time this holiday season. Paige is an active and motivated student at Valley and ended up raising hundreds of toys for local children this season.

Paige set up boxes throughout the

community, including convincing many local high schools to meet her challenge to collect as many toys possible this year. Paige also won a fundraising prize at VHSS's Athletic Association fundraiser and donated her winnings to buy even

more toys for the cause. Paige has already donated some of the new, unwrapped toys to the Powerhouse Project and plans on delivering even more to the Salvation Army and to the local Woman's Services.

N N

NORFOLK HUB, January 8, 2013 page 10

orfolk Nature otes

By MARG WERDEN New Eco-Guide for Norfolk to be published

A new guide that will describe the trails and waterways of Norfolk is to be produced by Nature’s Calling Environmental Education (NCEE) thanks to a $22,426 grant from the Great Lakes Guardian Community Fund, an Ontario initiative that supports local community activities that restore and protect the Great Lakes and St. Lawrence River Basin. The Nature Trails and Paddles Eco-Guide will be designed with families in mind and will feature thirteen nature trails and four canoe and kayak routes within the Long Point Watershed.

When completed, the guide will be available as both a booklet and on NCEE’s website and will introduce users to important concepts such as the function of watersheds, the Carolinian life zone, local biodiversity, and the importance of different habitats to plants and animals.

In addition to describing the routes, the booklet will include hands-on activities for parents and children to increase their enjoyment of the outdoors and to help learn about the importance of the world around us. Some of the activities included in the Eco-Guide are directions on how to determine the height and age of a tree, how to “collect” plants and animals using only photographs, learning to identify frog species by their songs, using all one’s senses in the woods, and a challenging nature bingo game for the whole family.

Representatives from a variety of environmental and education organizations, including Bird Studies Canada, the Long Point Region Conservation Authority, the Grand Erie School Board and the Norfolk Field Naturalists, will provide input and guidance in the production of the guide.

Prior to finalizing the Eco-Guide, 20 local families will be asked to do a “test run” and provide NCEE with feedback on how useful the guide is. “We want to ensure that families are getting the most from this unique product”, said the group’s Executive Director, Bernie

E

arly Bee Buzz!

Although Red-bellied Woodpeckers eat a variety of seeds, insects, spiders and other arthropods, they enjoy a tasty bit of suet in the winter when food is harder to find.

Solymár. “The aim is to encourage parents and children to leave their wired world for a morning or a day, and enjoy our local natural areas in a fun and stimulating way”. The group anticipates the Eco-Guide will be available by next summer.

NCEE’s mission is to connect local youth and families with nature and the outdoors, to raise awareness and appreciation for our natural world, and to foster a strong environmental ethic through community-based education and hands-on activities that benefit our local environment. To learn more about the organization and their community projects visit the organization’s website at www. naturescalling.ca.

For more information contact: Bernie Solymár, Executive Director, NCEE, at (519) 426-7124 or info@naturescalling.ca.

Red-bellied Woodpecker makes frequent stops at out suet log In addition to both Downy and Hairy Woodpeckers, one of the most

The 6th Annual Grate Groan-Up Spelling Bee Calling all adult spellers for Early Bee registration. On Wednesday March 6, 2013, the buzz will all be about our local ‘Grate GroanUp Spelling Bee’ Fun-Raiser! Sponsored by the Rotary Club of Norfolk Sunrise, this 6th Annual event held at the Royal Canadian Legion in Simcoe begins at 6:00 pm, includes a fabulous catered dinner and of course a full-on Spelling Bee competition. Teams entering by January 15, 2013 will get a Free-Bee to use in the Spelling Bee. There will be prize recognition for all teams raising more than $600 in pledges, with

frequently seen birds at our suet log is the Red-bellied Woodpecker, a medium-sized member of the woodpecker family. These birds have very noticeable black and white barring on their backs, a gleaming red cap, and a pinktinged breast and stomach, which is not always easily seen. Unlike Red-headed Woodpeckers, the red on their top of the head and nape of the neck is more of a cap than a complete hood.

Red-bellied Woodpeckers are often seen exploring branches and trunks of medium to large trees, picking at the bark more than drilling into it. They sometimes wedge large nuts into bark crevices and then whack them into smaller, manageable pieces with their bills.

They will also store food in cracks in trees and fence posts for use later in the year when food supplies are scarcer.

A Red-bellied Woodpecker can stick out its tongue nearly 2 inches past the end of its bill. The tip is barbed

special recognition prizes for teams raising more than $1000. Teams registering early have more time to raise pledges for these prizes.

The Spelling Bee is a major fundraiser for the Rotary Club of Norfolk Sunrise. Funds raised support community organizations and projects such as Big Brothers Big Sisters; the Child Nutrition Network Apple Program; REACH iPad program; the Turning Point Lending Library; and the Teens Write for Fun Contest sponsored by the Norfolk County Public Library.

and the bird’s spit is sticky, making it easier to snatch prey from deep crevices. Males have longer, widertipped tongues than females, possibly allowing a breeding pair to forage in slightly different places on their territory and maximize their use of available food. (Perhaps this is also why the holes in our suet log seem to be getting deeper and deeper!)

Wishing you and yours a happy, safe, and environmentally friendly 2013!

Norfolk Nature Notes Sponsored by Acorus Restoration

Please direct any questions to Co-Chair, Nancy Sherwin at (519) 583-3937 or nancysherwin@sympatico. ca.

Thompson Waters Funeral Home Ltd. Funeral Director: Leigh Hall Business Manager: Carla Sywak • Family owned and operated • Serving Port Dover & surrounding area for over 100 years ~ We’re here to help ~

www.thompsonwatersfuneralhome.ca 102 1st Ave., Port Dover • 519-583-1530

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Habits Healthy Hiking Inch Jogging Level Mind Motivation Nutrition Peace Plan Riding Routine

Run Shape Shoes Size Skiing Sports Strength Sweat Swim Time Training Walk Weight

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Solution: Excuses are useless.

(Results are priceless.)

H U Balance Biking B Body Calories S Commitment Diet E Distance A Endurance Equipment R Exercise Fitness C Goals Gym H

Time to get fit Solution: 17 letters

NORFOLK HUB, January 8, 2013 page 11

ave a "F ruitful" Vacation!

By Jean Mottashed Thinking of driving to Florida this winter for a holiday in the sun?

There are a few things to think about before you set out for the sunshine state, including which route to take and how long you want to be on the road.

Interstate 75 from Detroit, Michigan to Naples, Florida is one of the most popular corridors for northerners heading south. Your total trip will take you over 1,400 miles, about 22 to 24 hours of driving time, and at the current price of gas, will cost approximately $160 for a midsize sedan. Gas prices vary between a high of $3.55 per gallon in Michigan and Ohio, to a low of about $3.04 per gallon in Tennessee.

Along the way, you'll pass some interesting sights, like the Neil Armstrong Space Museum in Wapankoneta, Ohio and the Paul Brown Stadium, home to the Cincinnati Bengals. You'll be impressed with the rolling hills of Kentucky with miles and miles of white rail fencing around the famous horse farms. The most scenic part of the trip is through the Cumberland and Smoky Mountain ranges from Lexington, Kentucky to Knoxville, Tennessee.

First of all, it helps to decide just how long a day you wish to put in on the road before stopping for the night, then book your accommodations ahead so there is no uncertainty about room availability when you're ready to get off the road. A good GPS will tell you destination arrival times to help you gauge your stops.

Typically, we make the first day the longest at about 10 hours of driving time, including wait times at the border crossing. That puts us in London, Kentucky the first night -- a cheerful little town with several good hotels at about $60 per night and some excellent, reasonably priced restaurants. An eight hour ride the next day lands you comfortably at the Georgia/ Florida state line, which makes the third day a short one, at about five hours, to reach any midstate destination in Florida (including Disney World!). Of course, many travellers spend only one night on the road, logging two 12-hour days of driving. The choice is yours and is one of the most exciting parts of planning your vacation!

Here's a list of other tips that will make your trip comfortable, convenient, fun and economical too!

1. Try to travel on the weekends. Truck traffic

is drastically reduced on Saturdays and Sundays, and driving through large centers, like Cincinnati and Atlanta, are a breeze when you're not fighting the five o'clock rush hour.

2. Travel in mostly daylight hours. Deer and fog are hazards around dawn and dusk.

3. Pack a lunch. That way your stops at rest areas and gas stations are minimal, saving you time and money while on the road.

4. Throughout the year, use a credit card with travel rewards. If you put all of your regular purchases on that card, you will earn credits for free hotel rooms from popular chains. Our Choice Rewards card earns us free stays at any Choice hotel, including Quality Inns, Econolodges and Comfort Inns.

5. Be familiar with U.S. customs regulations.

Canadians face limits on quantities of alcohol and tobacco brought into the U.S. Some things

are strictly prohibited, like fruit, meat, plants and surprisingly, dog food not in the original packaging!

6. Check popular websites like cpb.gov which lists information on border wait times, and roadnow.com for updates on weather along I-75.

7. Pick up a copy of Dave Hunter's book "Along I-75". It's filled with historical and geographical information on the I-75 corridor and is available at most book stores as well as on-line. He highlights tourist sights just off the beaten track, unique shops and restaurants, the location of radar traps and many other valuable facts about your route south.

With a little planning, your road trip to Florida will be fun and entertaining. And keep in mind the words of a wise old sage who once said "Enjoy the journey, not just the destination!"

NORFOLK HUB, January 8, 2013 page 12

HELP OUR PAGE REACH 500 LIKES!

Enter the Clark’s Pharmasave Fan Contest And be entered to WIN a $100 Pharmasave Gift Card

IT’S EASY!

Just click the “Like” Button at the top of the page.

That’s it. You’re entered!

Prize winner will be posted when our page reaches 500 Likes This contest is exclusive to Clark’s Pharmasave At the Whitehorse Plaza, 454 Norfolk Street S, Simcoe 519 426-6580