Norfolk Hub the Magazine, January 2014

the magazine

Our Community Our Families Our History

Free Magazine January 2014 Volume 2 Issue 1 norfolkhub.ca

John Race

Photo by KalCommodore.com Page 4

Thank you John Race, for your continued philanthropy and support throughout our community.

McKiee & Farrar, Tri-County and R.E. Mann Brokers

Norfolk Hub January 2014 1 “Community-Minded Brokers Minding The Community�

Canadian Tire SimCoe

Get Ready Norfolk!

Jumpstart the Games will take place at

Simcoe Canadian Tire During the Winter Games February 7th to 23rd Jumpstart the Games Local businesses & organizations will be at Simcoe Canadian Tire participating in fitness activities February 7th to 23rd in support of Jumpstart Call 519.428.1777 or email editor@norfolkhub.ca to join in the fun!

Give Kids a Sporting Chance

jumpstart.canadiantire.ca

142 Queensway E., Simcoe • Phone: 519-426-1513 January 2014 Norfolk Hub 2Store hours: Monday to Friday 8am - 9pm • Saturday 8am - 6pm Sunday 9am - 6pm

MCKiEE&Farrar GeneraL Insurance Ltd

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“Community-Minded BrokersGMinding the Community” air Tri-CounTy Insurance Ltd Insurance Brokers Ltd MCKiee & Farrar Tri-COuNTY r.e. MaNN www.mckieefarrar.com 519-426-2551 www. tricountyins.ca 519-443-8645 www.remann.com 519-426-2031 28 Colborne Street North, Simcoe ON N3Y 3T9 35 Main Street, Waterford, ON N0e 1Y0 49 Norfolk St. North, Simcoe ON N3Y 3N6

Gair

Insurance Ltd

r.E.Mann Brokers Ltd

Norfolk Hub, The Magazine r.E.M ann

BoxBrokers 99, RR#3Ltd Simcoe ON N3Y 4K2 Phone: (519) 428-1777 Publishers: Dave & Monica Scott editor@norfolkhub.ca www.norfolkhub.ca

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 Sports Norfolk or the Norfolk Hub.

Time to Play!

In the last few weeks we have come up with our list of who’s who that will be participating in Jumpstart the Games taking place February 7 to the 23.

The concept is very simple; Simcoe Canadian Tire will be hosting a fundraiser for Jumpstart during the Winter Olympics.

Everyday from February 7 until February 23, during business hours, someone will be working out. Everyone involved… local business people, dignitaries, and organizations… will be doing an hour of physical fitness just inside the entrance (to the left) of Simcoe Canadian Tire. There

Erie Beach Hotel

will be a variety of equipment such as treadmills, bikes, and elliptical machines.

About Canadian Tire Jumpstart (jumpstart.canadiantire.ca) Canadian Tire Jumpstart is dedicated to removing barriers, so children can participate in organized sport and recreation.

We see it as equipping kids for life, because participation in organized sport and recreation increases a child’s chance for success in life.

They discover and participate. They gain self-confidence. They develop self-esteem. They learn leadership skills. Their lives become richer.

This is the power of Canadian Tire Jumpstart.

~ Dave Scott

Drum roll please… here is the list of participating businesses so far: Simcoe Canadian Tire Simcoe Volkswagen Roulston’s Port Dover KIA Simcoe Special Olympics North Shore Nation 98.9 myFM Clark’s Pharmasave Norfolk Fitness Centre Scotiabank Simcoe Demeyere Chrysler Big Brother Big Sisters of Grand Erie Bachmann Law The Personal Injury Group Norfolk Hub / Sports Norfolk Sport Chek Each business has a sponsor sheet and will be collecting pledges in support of Jumpstart. So let the games begin!

Norfolk Hub January 2014

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January 2014 Norfolk Hub

John Race Photo by KalCommodore.com

That glint in his eye!

~ Dave Scott

John Race never misses an opportunity to inspire. At

any given time he will do just that… inspire. So a few weeks back when the phone rang and Monica answered, John of course charmed his way into my wife’s heart and asked if I could stop

by Norfolk General Hospital (NGH) that day. He was going to be speaking at the hospital’s year end Christmas gathering.

Monica said I would stop by… so off I went.

For those that don’t know, I have known John for about a dozen years and consider him a good friend. I really enjoy stopping by his office and debating the issues of the day and searching for solutions to make our community the best it can be.

When I look at John, I don’t see a man in his eighties, I see the swagger of a teenager, the soul of a community, a visionary who feels the Norfolk soil and understands the moving sands of heritage.

Okay, that was a little thick for even me, but I know the man, he is the kid trapped in an aging body. His mind is sharp, his sense of humour fun loving, he understands who and where he is in his life. At this point he cuts to the chase and says what is on his mind… his heart misses his

late wife dearly and every time he speaks her name the joy is rekindled for another day!

As I sat at the back of the filled cafeteria listening to the awards and presentations, I understood a little clearer why NGH is critical to John and our community. The service pins being handed out,

the standing ovations for award winners who have put forth a life’s work helping others, with incredible, dedication beyond belief!

As John rose to speak, there it was that glint in his eyes. I just put my pen down and listened, and here is what he had to say…

Merry Christmas NGH and Nursing Home Congratulations on the awards won and the bursaries received, but more important, Thank You to one and all for your warmth, exceptional service and kindness to our multi-cultural fifty villages, towns and rural areas we call our community of Norfolk.

You know we in Norfolk have a way of life that is the envy of all.

Today we handed out bursaries totalling $2,000. Next year I guarantee the figure will be at least $4,000.

I used to introduce Hazel B and myself by saying, “We are the Race’s, Hazel and John. We live in Norfolk, we drink Ginseng Tea and a little Labatt Blue.

Today, I would have to add something about, being a bit tired. I am the same age as Norfolk General, and like me, NGH is getting a bit threadbare.

I hear rumours we are going to start the long journey of refurbishing.

That’s got me excited and I have committed to our CEO, Kelly and to Julie in the Foundation office that I will lend a hand.

You know we must all help with the refurbishing.

We have the wonderful volunteers, the hospital boards, the Radiothon and golf tournament, etcetera, etcetera, but we, you and I, are the “Preferred Shareholders.”

We will lead this community of Norfolk General with pride, with excitement and in a way that all 62,000 Norfolk Folks will help us refurbish our hospital.

By the way, “The first attack,” will be to revitalize our Family Centred Labour and Delivery Unit.

I hope we will not stop until we revitalize all the wards.

Our patients have a great staff – That’s you.

We will keep going till we have a comfortable environment for all.

Happy New Year John Race

Read more about John Race on the next page.

WIC

INTERNET

Norfolk Hub January 2014

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Photo from left: Erica Wright, John Race, Kathie Savage and Maria Leitao.

Living with Dignity!

As busy as life gets, all it takes is one day of being ill to bring our world to a standstill. We go to the doctor for

the diagnosis, get the medication and do whatever it takes so we can get back out there and go again. We recover and get back into our routine.

But what if we can’t? What if everyday was a new day, with our memories from the day before, stolen from us? What if getting well, wasn’t going to happen?

How would we continue to function?

How would those around us feel or cope with our situation? Who would be there to help us make sense of it all?

At Hazel Place in Simcoe, home of the Alzheimer Society of Haldimand Norfolk, two amazing ladies help over 600 families in Norfolk who are dealing with Alzheimer’s disease or dementia.

6 January 2014 Norfolk Hub

Erica Wright and Maria Leitao are both counsellors with the Alzheimer Society.

They got together with me on a snowy January day to educate me on all the different facets of their work.

From the outset of our conversation, I was impressed by the dedication of these two women. They truly are the frontline of the Alzheimer Society in Norfolk.

Maria talked about her first introduction to dementia. She was working at a local nursing home when she needed to assist a person who was dealing with the disease. The frail, elderly lady would kick and scream when it was time to take a bath. Maria realized early on that she didn’t have the tools to help this person properly. Where most folks may throw their hands in the air and give up, Maria decided to educate herself so she could understand and work with folks who have Alzheimer’s

~ Dave Scott

disease and dementia. She has come a long way from her days at the nursing home. She understands the needs of both the caregiver and the patient, and counsels them on everything from safety, to coping, to outside resources in the community.

Maria and Erica know how important it is to recognize the needs of someone afflicted with the disease. When folks with dementia are upset, remember they are trying to communicate and tell us something. We need to listen and try to understand better.

Erica explained how a lady would scream and resist going into the tub for a bath. The nurses and caregivers did not know why. It was possible she had a terrible experience early in life, or perhaps, as often happens with the onset of the disease, this person’s depth perception changed and the bath may

have looked like a bottomless pool of water. As a solution, a bathmat was put in the tub and the person no longer feared the water. The patient had no way of explaining her fear but by finding a solution, the stress was relieved.

While talking with Maria and Erica, it became obvious these ladies are a team.

They do joint home visits in some cases or work alone in others. They always try to be there for support when a patient, caregiver or family member needs to talk. They, themselves use each other as sounding boards for support and problem solving. They admit it can be tough, but having each other to talk to is a big help.

When someone has dementia or Alzheimer’s disease, the process usually begins with a referral from a doctor or agency. The counsellors then give the family a call, introduce themselves and try to get an idea of the issues the family is dealing with. They determine which is preferable, a home or an office visit.

Maria and Erica know they need some face time with the client and caregiver.

More often than not, they will go to the home, because it is a comfort zone for the patient, and try to see where their expertise will help. They do whatever it takes to create a positive environment for the patient and caregiver; to show they are there for support and assistance. It can be as simple as being that person to talk to or addressing safety concerns. The goal is to provide the information needed and assist where they can.

Erica and Maria emphasized that they wanted people to know that when they come to the Alzheimer Society, they, the caregivers or family, are in charge. Staff are there to assist and support them with recommendations and be that shoulder to lean on.

Many emotions come out with the discovery of having dementia or Alzheimer’s disease. With the loss of memory, some folks do not have the insight to know that they have dementia.

That is where the crucial component of educating the family and caregivers comes into play.

Safety for the patient is a priority. It is important to understand what may be happening to the patient now and down the road, along with how to prepare and cope with the unpredictability that comes with the disease.

The other side of this coin is the burnout of the caregiver. They too may battle depression and/or exhaustion.

Many times the caregiver can fall ill as well. Again, education is of the utmost importance for all involved for the long-term health of both the caregiver and patient. An active roll by all in the family can help the caregiver and patient immensely. Maria points out that folks with dementia can’t change. We the people around them need to adapt. So what can be done to help battle the onset of these terrible diseases?

Keep the brain working. Stimulation is key, exercise both physically and mentally, keeping social contact with others, continuing on with hobbies that bring joy and happiness. It is beneficial to attend support groups and talk with other folks who are striving to maintain their capacities and live as long as realistically possible in their own homes.

All these lead to a more positive situation, until more constant care is needed.

It was at about at this time in our conversation that there was a gentle knock at the door and John Race came in. We began to chat about the upcoming Walk for Memories taking place in Simcoe at the Aud (Norfolk County Fairgrounds) on January 23 from 11 am till 1 pm. John will

be there educating the community about Alzheimer’s disease, taking in the walk and encouraging folks to donate. John views Maria and Erica with the highest regard. He understands the importance of the roles of these two amazing ladies and what they do. So much so, that in the fall he made a $75,000 donation (Endowment Fund) towards keeping the buildings in Simcoe and Hagersville strong.

John’s late wife, Hazel, who the centre is named after, suffered with Alzheimer’s disease. The Race family has made it a priority to support and educate the community since their discovery of Hazel’s condition. John thinks back to when he and Hazel announced that she had Alzheimer’s disease. It was perhaps a turning point in our community, putting a face to a disease that we used to try and turn away from. The Races accepted the challenge head on and today the family continues to lead the way.

Dementia is a disease of which there are almost 100 different types. It takes away so much from the patient and the family… to slowly watch a loved one fade into the unknown… to see

Continued on the next page Photo by KalCommodore.com

Norfolk Hub January 2014

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Big SplaSh

of th e 29 Talbot St. North, Simcoe, ON N3Y 3W5

519.426.0208 the eyes of despair as they struggle to communicate the simplest of problems.

Erica and Maria are there for all of us, educating, listening, assisting patients in maintaining their dignity, treating everyone with respect. Where would we be without them? Thank you ladies!

The Alzheimer’s website (www. alzhn.ca) was a wealth of information and I wanted to share the following from it with you.

Haldimand Resource Centre opened in Caledonia in June 2003 Caregiver Wellness Centre established 2005 Haldimand Abilities Centre opened in Hagersville 2008 The Caregiver Wellness Centre was renamed Hazel Place in 2011 in honour of Hazel Race

Our Mission:

Connects diagnosed individuals with Alzheimer's disease or another dementia and their families to support, education and appropriate community services.

Gets you connected early and will support you throughout the journey.

Provides you with the opportunity to learn about every step in the dementia journey.

Connects you to Alzheimer Society programs and services, and provides information about community and health care services.

First Link™ offers four separate progressive learning series and covers every step of the dementia journey:

The mission of the Alzheimer Society is to assist individuals and families as they deal with the personal and social consequences of Alzheimer's disease and related disorders. The Alzheimer Society also strives to promote education, advocacy, and public awareness, and to support research into the cause, treatment and alleviation of dementia.

Our Vision: The vision of the Alzheimer Society is that people affected by dementia live full, dignified lives.

Our Values: The following values collectively guide our actions as a public education and support agency, a community partner and an employer: We value and care about all people. We appreciate the strengths in people. We value integrity, accountability and service excellence.

We value collaborative work, positive partnerships and community participation.

A Brief History of the Alzheimer Society of Haldimand Norfolk:

Opened first office on February 1, 1993 Opened Alzheimer Resource Library in June 1993 Established Wandering Person Registry in January 1994 Incorporated on September 21, 1995 Resource Centre moved to 365 West Street in Simcoe in February 1998 Haldimand Resource Centre opened in York in September 2000

8 January 2014 Norfolk Hub

FIRST LINK ™ (Education) Program

First Steps for People with Dementia/ Next Steps for Families and Friends The First Steps for People With Dementia series is designed to help individuals newly diagnosed with a dementia and their caregivers to understand their diagnosis and the changes they experience.

This series will also offer participants an opportunity to share and connect with others embarking on a similar journey. The Next Steps series will offer family members and friends caring for individuals with Alzheimer's disease (or a related dementia) an overview of dementia. The topics discussed in this series will be much the same as those listed under First Steps for People with Dementia.

Topics Include: What is Dementia?;

Week!

Memory Loss, Changes to the Brain and Resulting Behaviours; Coping Strategies; Drugs, Treatment, and Research; Future Planning - Legal & Financial Issues; Community Resources and Support Systems.

Care Essentials This series will offer family members and friends caring for people with Alzheimer's disease (or a related dementia) problem solving strategies, approaches for communication, and available avenues for support - all of which can strengthen their ability to provide care.

Topics Include: The Progression of Dementia; Understanding Behaviour; Day to Day Care; Community Resources.

Options for Care This series is to help family members and friends caring for people with Alzheimer's Disease (or a related dementia) to evaluate their current caregiving needs and to explore other possible care options available, including long term care.

Topics Include: Where to Turn When Care Needs are Increasing; Long Term Care- How the System Works; Coping with Change- How to Make the Transition

Care in the Later Stages This series is to help family members and friends of people with Alzheimer's disease (or a related dementia) understand what to expect in the later stages of dementia. This series will explore how participants can provide comfort to the person with dementia as well as review the experiences of grief and loss.

Topics Include: The Natural Course of the Later Stages; How to Recognize Pain and Distress; How to Provide Care that Promotes Dignity; Comfort and Quality of Life For more information, call (519) 428-7771 or go to www.alzhn.ca.

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Hair today gone tomorrow Long time Norfolk General Hospital (NGH) Volunteer and Foundation Board Member, Brian Miller is growing his hair longer over the next couple of weeks, something that at his age is rather unusual, until you know why.

Brian has been challenged by NGH President and CEO Kelly Isfan to shave his head into a Mohawk cut in support of the Labour and Delivery Department. NGH is in the early stages of a complete overhaul of 3B and its services.

At first, Miller was completely opposed to the idea until the initial $1,000 from Isfan was pledged. Several employees in attendance when the challenge was made indicated that if Brian went along with this challenge, they would reach into their pockets to support the cause. More support came from his church and now

Dealer

~ Gerry Hamill

there is no turning back! In fact, when Brian’s long-time physiotherapist, Jeff Scott, owner of Great Lakes Physio, caught wind of this endeavour, he quickly offered up a $500 donation to make sure Brian didn’t change his mind!

Brian will have his “new do” created by his trusted stylist Thais DePotter of Hairport and Layover Luxuries in Downtown Simcoe on January 21 at 11 am in the front entrance at NGH. DePotter has issued a challenge to all Norfolk salons to match her donation of $50.

Stop by the hospital and pledge your support.

Contact the Hospital Foundation for information (519) 426-0130 x 2456.

WIC

INTERNET

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www.doverapothecary.ca

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Norfolk Hub January 2014

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Norfolk Hub January 2014

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14 January 2014 Norfolk Hub

Discovering Birds of Norfolk with George and Vic

Red-breasted Nuthatch ~ George Pond

Just as the name implies the Red-breasted Nuthatch has a red breast. However the amount of red varies

considerably and some birds, especially females and juveniles, seem to have none or just a faint tinge of reddish orange. These birds are smaller than the White-breasted Nuthatches. They have a black cap and eye-line and a very distinctive white eyebrow. Both birds are regular at winter bird feeders in Norfolk and most people living anywhere near a grove of coniferous trees will likely have both species at their feeder.

Most Red-breasted Nuthatches nest in coniferous forests and plantations further north than Norfolk County. However some do nest here and obvious locations are the many Pine trees found in the St Williams forests of Charlotteville.

Migrating birds, moving north in the spring, usually arrive around the last week in April and one of the best places to see them is at the Long Point Bird Observatory banding lab on Old Cut Boulevard in Long Point. I have seen forty or fifty different Red-breasted Nuthatches in a single morning in the Spruce and Pine trees at that location.

I photographed this cute little fellow one April day in the

Long Point Provincial Park. It was a very brightly coloured individual and very active. I had a hard time getting a decent pose. Vic Gibbons liked this shot as a model and fit it into this setting with the thin, overhanging branches of a nearby Pine framing the bird.

Vic Gibbons ~ The Olde Towne Gallery (519) 428-1329 vlgibbons@live.com 1395 Charlotteville Road 8, RR#6, Simcoe, ON N3Y 4K5

ring Birds of Norfo e v o c with lk Dis George & Vic Sponsored by

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Hub January 20142W2 , ON N3Y 519.428.2886 • 96 Norfolk StreetNorfolk South, Simcoe

From the Pages of

T

he Port Midget Rep team made it to the International Silver Stick finals! They went

Simcoe McDonald’s Salutes Special Olympic Swimmers Universality, Accessibility & Team Spirit

OnE FrEE

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January 2014 Norfolk Hub

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77 Queensway E, Simcoe 519.426.8084

undefeated throughout the round robin and semi-final.

They beat Tweed 5-4, Wingham 4-2 and Southwest (Glencoe/Bothwell) 3-2 in round robin play.

They played Southwest (Glencoe/Bothwell) again in the semi-final and won 4-2.

Unfortunately, they lost to South Bruce in the finals of the International Silver Stick 3-2 in OT. Thank you to the team, coaches and families for your dedication and team effort – we are all proud!

WIC

INTERNET

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T

he Port Dover Steelheads held their annual fall season banquet on January 7th. Some of the Tyke

and Bantam award winners are pictured here.

Front Row, left to right: Harrison Koop and Dylan Courrier. Back Row, left to right: Riley Fitch, Hayden Walker, Tyler Matthews, Nolan Krisko, Gerrit Van Ryssen, and Steelheads President/ Co-Founder, Alex Zurby.

WIC

INTERNET

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Chicken Pot Pie

Now A KEURIG K-CUP RETAILER!

The first store front independent KEURIG K-CUP retailer in Simcoe!

Kaley’s Restaurant & Kaley’s Kakes

New Exciting Menu! Breakfast • Lunch • Dinner

33 Robinson Street, Simcoe • 226.440.3444 • khorton@amtelecom.net

Ingredients

1 large white onion (diced) 2 large carrots (peeled and diced) 3 stalks of celery (chopped) 2 cups cooked chicken 2 cans cream of chicken soup 1 cup of milk 2 cups frozen peas Salt, pepper, thyme and rosemary to taste 1 sheet of puff pastry (cut to size of serving dishes) 1 egg

Directions • Preheat oven to 425 degrees F (220 degrees C.) • In a saucepan add onions, carrots and celery to enough water to cover and boil for 15 minutes or until vegetables are cooked.

• In the saucepan over medium heat, add the soup concentrate, peas and the cooked chicken. Simmer over medium-low heat until thick. Add milk if too thick for your taste. Add salt and pepper, thyme and rosemary. Remove from heat and set

18 January 2014 Norfolk Hub

aside.

• Place the chicken mixture in the dish of your choice. Pour in hot liquid mixture. Cover with pre-measured top crust, seal edges, and cut away excess dough. Brush with egg wash over top of pastry.

• Bake in the preheated oven for 30 to 35 minutes, or until pastry is golden brown and filling is bubbly. Cool for 10 minutes before serving.

Respiratory Health

~ Lyndsey Ross, RRT, BSc. Respiratory Homecare Solutions Simcoe

One of the most common things that CPAP users forget about once they have been using CPAP for a while is regular cleaning and care for your CPAP. While parts of your CPAP and

mask do need replacing on a regular basis, cleaning and caring for them properly will ensure they reach their proper lifespans.

What to Clean Daily:

The seal of the mask is the one item that should get cleaned daily. This is recommended because your mask seal sits on your face all night long collecting body oils and skin cells. This can be done with mild soap and water or CPAP Wipes. This is the only item that needs to get cleaned daily.

What to Clean Weekly:

The hose, water chamber and entire mask need to be cleaned on a weekly

basis. The hose should be submersed in warm soapy water, soak, rinse with water and hang to dry. There is also a brush available to assist cleaning the tube. The water chamber should also be submersed in warm soapy water, soak, rinse with water and hung to dry. Some water chambers are dishwasher safe for the top rack of your dishwasher. If you are not sure if your water chamber is dishwasher safe, check with your vendor. The entire mask should also be cleaned weekly, including the seal, frame and headgear.

This can also be submersed in warm soapy water, soak, rinsed with water and hung to dry. It is not recommended to wash headgears in the washing machine on a regular basis.

What to Clean With:

Mild liquid soaps are the best to clean with. This includes many forms of liquid hand soaps and dish soaps. CPAP cleaning wipes and spray cleanser are also available.

What Not to Clean With:

Avoid rubbing alcohol or products containing it, because it is a drying agent and will dry out the mask silicone and break it down faster. It is also recommended to avoid Lemon based dish soaps because the lemon properties can break down the silicone faster as well. Soaps that have large amounts of moisturizer or are scented are also best if avoided. Also avoid laundry detergents.

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Thank you North Shore Nation for your kind donation of 196 pairs of shoes destined for Africa!

They have all been cleaned and washed, if needed, and are ready to be packed in hockey bags and taken by a group from Norfolk to their new home in Africa.

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19

Gardening Tips Miss Your Fresh Vegetables?

Try Growing Sprouts!

~ Dave Zeldon

Many home gardeners are really missing their harvest of fresh vegetables these wintry days.

Fortunately though, the seeds of many vegetables and beans are suitable for hydroponic sprouting into tasty young shoots that will be ready for the table in less than a week!

Seeds such as Alfalfa, Broccoli, Clover, Lentil, Mung bean, Mustard, Onion, Radish and Soybean are excellent choices for this activity plus they are invaluable in terms their nutritional content.

Sprouting seeds on your kitchen counter takes only minutes a day, and the reward is a steady supply of fresh, crunchy shoots.

It is important to start by purchasing some packaged seed expressly for sprouting. The directions will indicate how much is needed to produce 100

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grams of sprouts. The seed-to-sprout ratio can differ substantially — anywhere from 1.5 to 8.5 units of sprouts or more per one unit of seed — so follow directions carefully and make sure your jar is large

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enough to accommodate all the sprouts while still leaving room for good air circulation. As a rule, begin with 1 tbsp.

(15 mL) of seeds for small varieties such as alfalfa and radish, 2 to 3 tbsp. (30 to 45 mL) for medium ones such as lentil, and up to 4 tbsp. (60 mL) for large seeds such as beans and peas.

Simply put seeds into jar and position screening over opening, using an elastic band to hold the covering in place. Fill jar one-third full with warm (about 40˚C) water and swirl seeds around for a minute or so. With the covering in place, drain water. Refill jar one-third full with cool water and let seeds soak for four to eight hours.

Next, begin daily regimen of rinsing seeds three times a day at roughly eighthour intervals. Drain and refill jar with cool water, swirl seeds for about 30 seconds and drain again. Then, invert jar so screening is at the bottom and rest it at a 45-degree angle in the bowl. Place on the kitchen counter out of direct light (place bean shoots in complete darkness, as they often taste sweeter when they’re grown this way). Repeat this process for three to five days.

You can start to harvest your sprouts once they’re three to five centimetres long.

Rinse and drain them thoroughly, place in an airtight container and refrigerate immediately; they should remain fresh for up to five days.

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Norfolk Hub January 2014

21

Saving for retirement is like growing a tree

~ John de Witt

Saving for your retirement is very similar to growing a shade tree. In

both cases a plan should be developed, beginning with envisioning the final outcome. Without a clear sense of how large your tree may grow, or how you want your retirement life to be, the probability of success will be greatly diminished.

If you want shade in a short period of time, both extra effort (to tend the tree), and extra costs (for extra fertilizer and water), are involved. Similarly, if you were to save for all your retirement costs just a few years before retirement, the amount saved per year would be significantly greater than if you started saving earlier in life.

Fast growing trees, such as the poplar, provide shade relatively quickly compared to a slow growing oak tree. In fact, most people are reaching retirement before an oak tree, which was planted during their youth, would provide a significant amount of shade. Poplars provide shade within a few years.

However, poplars are more susceptible to insect, disease, wind, and ice damage than

an oak tree. Similarly, many fast growing investments may grow very quickly but are more susceptible to setbacks, such as in 2008 compared to a slower growing investment.

Oak trees generally outlive humans but humans usually outlive poplar trees.

It is a real pain to start growing another shade tree (even if it is a fast growing tree) because then you have no shelter from the hot summer sun. The same conundrum, deciding between fast growing or slow growing shade trees, is similar with investments. It’s worse if your retirement savings run out before you do.

When I grew tree seedlings for large scale plantings, I would always walk the ground with the forester to be sure we both understood the consequences of selecting different tree species given the soil type, terrain, annual rainfall, prevalence of local insects, and diseases.

This always gave the forester greater assurance of a successful plantation.

When working with people to financially plan for or live their retirement, I always discuss the consequences of various investments in relation to each individual person’s needs, income and expenses.

e

B connected to e HU h the t g wo n i p

22 January 2014 Norfolk Hub

rld

Ke

This article was prepared solely by John de Witt who is a registered representative of HollisWealthTM (a division of Scotia Capital Inc., a member of the Canadian Investor Protection Fund and the Investment Industry Regulatory Organization of Canada). The views and opinions, including any recommendations, expressed in this article are those of John de Witt only and not those of HollisWealth. TM Trademark of The Bank of Nova Scotia, used under license.

Planning for the future is difficult because it is hard to visualize and life circumstances change. However, people who have completed written retirement plans tend to be happier and more confident about the future compared to those who have not. An investment advisor with expertise in financial planning to guide you through the retirement planning process, help you to keep your plan on track to reach your goals, and keep your retirement income safe, is an invaluable resource for helping you to approach your future confidently and with peacenow of mind.

DundeeWealth, part of Scotiabank, has become HollisWealth.

Yes,savings our namehave has a May your retirement changed, but our commitment to your financial strategic balance of poplar and oak trees success has not. Contact me to learn more. that fits your needs and circumstances so you are always in the shade!

My business card has changed. How I do business has not.

John de Witt Investment Advisor | Scotia Capital Inc. 4-191 Queensway West Simcoe, ON N3Y 2M8 519-428-2615 john.dewitt@holliswealth.com I coach successful people to make smart decisions with their retirement money.

holliswealth.com HollisWealth is a division of Scotia Capital Inc., a member of the Canadian Investor Protection Fund and the Investment Industry Regulatory Organization of Canada. ™ Trademark of The Bank of Nova Scotia, used under licence.

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