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MORE REACTION FROM BILL
F I N A N C I A L M A T T E R S
There are several ways to increase your income, you just need to get a little creative.
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Ask for a raise: This is a simple one, but given the rate of inflation being so high, it’s not unreasonable to ask for a raise that helps your income keep up with rising costs.
Find a better-paying job: If a decent raise is not forthcoming, it could be time to look for a new job. With the Canadian unemployment rate dropping to 5.1% in May 2022, and tens of thousands of new jobs being added every month, this could be a good time to look for a better-paying job.
Take on a side gig: Making extra income from a side business can have a big impact on your household budget. Starting a business that involves something you’re passionate about is always a good starting point. Websites like fiverr.com and upwork connect designers, copywriters, developers and many other types of skilled freelancers with companies that are actively looking for those services.
Rent out spare accommodation: Renting out a room, a basement unit or even a whole property can bring in a lot of extra money. Websites like Airbnb have made finding potential guests really easy, and you could charge hundreds of dollars per night for some properties. Check with your local municipality first, in case bylaws restrict short-term rentals. investing, so that your portfolio has
a chance to outperform inflation
(and therefore not lose value). And if you rely on investment portfolio to provide income during retirement, it’s important to draw from investments that can keep up with inflation.
Below are some of the investment options to consider for periods of high inflation:
Treasury Inflation-Protected Securities (TIPS), a type of U.S. Treasury bond, are indexed to inflation so that they maintain the purchasing power of investors’ money. They do this by adjusting the amount of capital invested in the bonds whenever there are changes in the Consumer Price Index (CPI). When the bond’s principal is paid back, investors receive the larger of the adjusted principal or the original principal.
TIPS’ monthly distributions (the amount they pay out) are adjusted along with increases in inflation. Therefore, during periods of high inflation, monthly distributions increase.
Floating rate funds invest in debt that pays a floating (variable) interest rate. Compared to fixed-rate bonds, they can help protect against interest rate risk. During high inflation, the price of these funds remains comparatively stable, while traditional investment bonds often see their prices fall. and bonds (meaning it’s rarely affected by moves in the markets). They can also deliver higher yields than conventional bonds during high inflation, as rent and lease agreements can be tied to inflation.
How the Gaudet Group can help you budget for inflation
Your Gaudet Group advisor can be a source of crucial advice when you’re looking at how to budget for inflation. They can:
* Help you to improve your cash flow. * Explore ways to reduce your debt payments. * Connect you with an IG Mortgage Planning Specialist to work on debt consolidation. * Make suggestions to make your investments more inflation-proof.
Glenn Gaudet is the lead advisor of a wealth advisory team helping families and business owners since 1993. Glenn holds many designations including the CERTIFIED FINANCIAL PLANNER ® designation, Elder Planning Counselor, Certified Professional Consultant on Aging and the Registered Retirement Counselor. With more than 60 years of combined experience, Gaudet Group Private Wealth Management is committed to making clients’ interests their top priority. Do you have questions you’d like Glenn to Answer? Email him at glenn.gaudet@igpwm.ca.
Written & published by IG Wealth Management as a general source of information only. Not intended as solicitation to buy or sell specific investments, or to provide tax or legal investment advice.
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Paris Horticultural Society celebrates successful 2022 with year end Christmas Party
The Paris Horticultural Society wrapped a very busy, yet beautifully productive 2022 year with a celebration during its annual Christmas Dinner on December 7th .
Members gathered to enjoy fellowship, reminisce on the society’s accomplishments and enjoy a traditional Christmas turkey of course! Bailey Robb and Meghan Edgar provided musical entertainment throughout the event and awards were gifted before the end of the evening. Club members were reportedly pleased to enjoy a social gathering once again, filled with lots of laughter and cheer. The Paris Horticultural Society was busy this year as they helped promote 2022 as Year of the Garden, a celebration that honors the centennial of Canada’s ornamental horticulture sector. As always, members rolled up their sleeves and got their hand dirty in many projects around the community; planting native plants and shrubs on Watt’s Pond Road, cleaning up its section of Keg Lane under the Adopt a Road program, pruning branches at the cenotaph, tending to greenery at the Paris Fairgrounds, keeping the downtown planters in tip top shape, welcoming the return of its very popular plant sale and of course thrilled to host its 20th anniversary Garden Tour. It was a busy year indeed!
Pictured top left is Paris Horticultural Society Copresident Carol Reansbury presenting the Service Award Ontario Horticultural Society Award of Merit to Serryn Stephenson.
Pictured bottom left is the Christmas party decorating committee working on centrepieces Brenda Simpson, Carol Reansbury, Pat Moore, Nancy Slusarczyk, Edith Stone, Nancy Burkholder, Anne Vernon (with the ideas) and Margaret Collins (behind the camera).
Submitted photos
C H R I S T M A S S E R V I C E S
Wide offering of Christmas Services at Paris churches
By Carolina Saenz
Whether you’re new to Paris and spending your first holiday season here, or simply looking to celebrate Christmas at a new church, a variety of services are available locally. In no particular order, here is a list of local churches and their Christmas celebrations:
Cedarview Church (20 Cedar St)
Christmas Eve service: 6:307:30pm A night of music and singing, candlelight service followed by coffee and treats. “Please join us as we celebrate the night before Christmas!”, shares Pastor Wendy Pane.
Christmas Day: 11am-12pm Celebrating Christ’s birth with a short service and communion
Sojourn Church (112 Scott Ave):
Christmas Eve: 6:30-7:30pm Register online at http://christmaseveinparis.com/
"Christmas is for everyone! The birth of Jesus was, and is, good news for the whole world. Bring the whole family, there is something for everyone. We encourage you to come early and grab a warm cup of hot chocolate or cider. Whether it's reliving old memories or starting new traditions we invite everyone to join us this Christmas Eve”, writes Pastor Jay Grimes.
Services will resume on January 1st at 10am.
St. James, Paris Church (8 Burwell St)
New Year’s Day: 8:30am: Book of Common Prayer Holy Communion; 10:30am: Christmas Lessons and Carols. No registration is required for any services. “St. James, Paris appreciates the continued support of our Christmas Tree sale - it is great to be part of so many peoples' Christmas traditions and we hope that folks will join us as we celebrate the birth of Jesus”, shares Father Jason Postma.
New Year’s Eve: 10pm12:15am Prayer and Worship “Crossover” service going into 2023. Everyone welcome!!
New Year’s Day: 11am-12pm Short service followed by coffee and treats. “We would love to have you join us to start the year off together!!” invites Pastor Pane. Christmas Eve: 4pm: Interactive ‘family style’ service with Holy Communion; 10:30pm: Traditional Christmas service (quieter and more reflective) with Holy Communion Christmas songs will be sung at both services.
Christmas Day: 9:30am Service with Holy Communion.
Paris Baptist Church (25 Broadway St W)
Christmas Eve: 6:30pm Candlelight service including Christmas carols, a short message, and candle lighting while singing ‘Silent Night’.
Christmas Day: 10:30am Christmas carols and a short message.
The Paris Independent 26
New Year’s Day: 10:30am Everyone Welcome. “Come and may every heart prepare Him room this Christmas.
Paris Presbyterian Church (164 Grand River St N)
Christmas Eve: 6:30pm in person and online. Join us to sing Christmas carols and reflect on the Christmas Story. The service will end in candlelight.
Christmas Day: 10:30am online only.
New Year’s Day: 10:30am in person and online. Join us in person for a more casual service where brunch will be served. “We would love for you to join us during this Christmas Season as we continue in our theme ‘A Hope - Filled Christmas’. No need to register, come as you are. We look forward to seeing you”, invites Pastor Joel Sherbino.
St. Paul’s United Church (48 Broadway St W)
December 18th: 11am Advent 4: Celebrating Love with Lessons and Carols. Christmas Day: online on YouTube. No need to register for any of the services. All are welcome. “No matter who you are, or where you're from you are welcome at St. Paul's United Church! Come and celebrate Christmas with music, joy and laughter at one of our family friendly services. Visit us on Facebook at "St. Paul's United Church Paris" for the latest updates and info”, shares Pastor Sarah Grady.
Bethel United Church (154 Bethel Rd)
Christmas Service on December
18th 10:30am.
Blue Christmas Service on
December 21st: 7pm For those who are finding it difficult to face the holiday season this year due to grief, job loss, financial difficulties or illness. This will be a time for quiet reflection, comforting music and candlelight.
Christmas Eve: 4pm Family friendly service with candlelight and carols. Soprano, Julia Surrette will be guest soloist. ALL are welcome.
Christmas Day: 10am at Burford United Church
New Year’s Day: 10:30am "At Bethel Stone we are ordinary imperfect people finding hope, healing and a purpose for this life that is rooted in God's love for ALL people. Together we are learning what it means to walk in the way of Jesus, because no one should walk alone. Whether you have experienced life in a faith community before, are seeking a new church family to grow with, or are just curious about what this Christian faith is all about, you are welcome! Please join us this Christmas Season to be reminded there still a place for hope and love to be found. Come as You Are and discover a place where YOU Belong!" writes Rev. Adrianne Robertson.
Sacred Heart Brant Church (17 Washington St)
Sunday mass is celebrated at 5pm on Saturdays, 9am and 11am on Sundays.
Grace Church (8 Silver St) Service on Sundays at 10:30am
Bible study on Saturdays at 10am; Worship Service on Saturdays at 11am.
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Blue lights at the Willett signify Hope for Healthcare
The Brantford General Hospital and the Willett, Paris sparkle with blue each evening this December to signify hope, wellness and resilience. These lights glow in recognition of and appreciation for all Brant Community Healthcare System staff. These lights also shine in thanks to the sponsors and community donors who have made a gift to transform emergency care at the BCHS. Consider making a gift that is meaningful to you this holiday season This year’s focus will be bringing in funds for the Emergency Department redevelopment project, as well as patient equipment for the BCHS. “Redeveloping the existing ED at the Brantford General Hospital and investing in new patient equipment is critical to ensuring our local healthcare system remains strong and able to serve our rapidly growing community,” said Crystal Godwald, Associate Director of the BCHS Foundation. “The Ontario Ministry of Health does not cover the entire cost of the redevelopment and the BCHS Foundation needs to raise and contribute in excess of $8 million to cover a portion of renovation expenses, and to purchase medical equipment needed for the new space.” Donate now at www.bchsdonate.com Learn more about Hope for Healthcare at www.hopeforhealthcare.ca
12 Days of Fire Holiday Safety!
Is that candle too close to the snowman decoration sitting on your table? Fires caused by holiday decorations and open flames from candles are all too common this season. Battery-powered candles are a great alternative but if you must light up, keep candles away from pets and children, put the candle in a sturdy container and always blow out when you leave the room. Watch this video above presented by the County of Brant Fire Prevention office. You can also follow the County of Brant Fire Department for more life saving tips as they present the 12 Days of Fire Holiday Safety.
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Market Street almost ready to reopen to traffic
COUNTY OF BRANT MEDIA RELEASE - Please be advised that Amico Infrastructure will be working this weekend (Saturday, December 17 and Sunday, December 18) to complete the road construction and open it for the winter season.
We apologize for the additional inconvenience this may cause you. To finish the work for the 2022 construction season, Amico intends to pour concrete curb and pave base asphalt between Capron Street and Wellington Street. Driveways in this area will also be paved to the sidewalk and the areas of the sidewalk that were removed will be paved with temporary asphalt. The construction site will be cleaned up and made safe for the winter months. Amico will be returning in the spring of 2023 to finish the reconstruction of Market Street. The construction which will be deferred to the 2023 construction season includes: •Reconstruction of Market Street (including watermain, sanitary and storm sewers, and road works) between Wellington Street and Silver Street •New concrete sidewalk from Capron Street to Silver Street •Grading/landscaping works •Surface asphalt from Capron Street to Silver Street It is likely that Market Street will be closed between Silver Street and Wellington Street to complete the reconstruction in this area. We anticipate that construction will be completed by mid-summer 2023.
Aries: March 21 - April 19 (Fire) Negative thoughts keep slipping in. You are determined to enjoy your holiday season. So you should look inwards, you may need an attitude adjustment. You can do this by choosing to do something fun and exciting. Break tradition and be creative, bringing the positive back.
Taurus: April 20 - May 20 (Earth) Stop setting yourself up for disappointment. Have a talk with your partner, they are the major cause of these feelings. If you can not forgive then you need to forget. By mid week you will pull yourself together again. This sudden burst energy will help you accomplish everything you need to get done for work.
Gemini: May 21 - June 20 (Air) - Lets figure out why you're being paranoid lately. Is it the issues you are starting to see in your relationship? Is it the lack of trust you feel towards your co-workers? All possible. But first look inside yourself. You need some serious mind, body and soul therapy. Things will then fall into place.
Cancer: June 21 - July 22 (Water) You are making strong connections this week. You feel intense love for someone. Your career is building momentum. New people and new projects are coming. You are feeling the warm holiday season vibes. So what is missing? You will figure this out by the end of week.
Cancer: June 21 - July 22 (Water) -
You have high expectations of others. This will have a disappointing ending for you. You are definitely not seeing things clearly. Your love life would be good, if you would stop setting your partner up for failure. Your career is where you need to create higher expectations and those need to be placed on you alone. Virgo: August 23 - September 22 (Earth) Do you have feelings for someone? Why are you hiding them? The answer to this is different depending on your situation. But all comes back that you are feeling judged. Are others really judging you or is it just you? If you concentrate on work until the holidays are here, you will then have the time to sort your true feelings out.
Libra: September 23 - October 22 (Air)You are coming out of a slump. This week will bring you the redemption you've been waiting on. This could be from an ex-lover or could center around your current job. It will make you feel lighter. When you start the weekend you will have a great burst of energy and you better use it wisely, because you have lots to do.
Scorpio: October 23 - November 21 (Water) - Do you have issues in love or work that you would like to have closure in before the end of the year? This is the week to face it. You have steady calmness about you this week. You're clear, logical and understanding. This is not always the case for you, so make a list and start doing some cleansing.
Sagittarius: November 22 - December 21 (Fire) - Things seem to be slipping through your fingers. Your career can not be changed until the new year. Instead focus on your relationships with family and friends. Build a team of people you trust that can support you. When you have completed this you will then be able to tackle the changes you would really like to make.
Capricorn: December 22 - January 19 (Earth) - You will become inspired by a random encounter. It leaves a lasting impact on your whole life. The revelation you take away from this person will also help you to build a better career for yourself. You have made some big choices in regards to your love life. This week you complete your preparation to put your plans into action. Aquarius: January 20 –February 18 (Air) - Someone you love has let you down again. This makes you start the week off sad. If you tell them then you can move past these feelings and salvage the rest of your week. Great things are all around you. People will want to show how much you are loved and appreciated. Focus on those people instead.
Pisces: February 19 - March 20 (Water) - You are in the giving mood. You want to spread love all around. You are generous to your co-workers and even random strangers. This looks great on you. But do not forget the people around you that actually deserve this the most. Keep track of your good deeds or it will cause financial stress.
Horoscopes
with Tina Graziano Energ y Reader
Tina Graziano was born an energy reader. She uses her gifts to heal and guide others as a life coach. If you need support and insight in life, contact Tina for an energy reading directly online at https://www.facebook.com/ Tina.Graziano.Energy.Reader /?ref=page_internal
Showtimes for Galaxy Cinemas Brantford For Saturday, December 17, 2022
Avatar: The Way of Water Standard 12:00 p.m. 4:20 p.m. 8:40 p.m. 3D 12:40 p.m. 1:40 p.m. 5:00 p.m. 6:00 p.m. 9:20 p.m. 10:20 p.m.
Black Panther: Wakanda Forever Standard 12:50 p.m. 3:00 p.m. 6:30 p.m. 9:40 p.m.
