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business to business | homes and lifestyles
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West End Bakery moving back into the core by Heather Grummett
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A fixture in downtown Guelph for over 50 years, West End Bakery gets ready to move into a larger space in the centre of downtown. Well known for it’s Douglas Street location until 2000, and then the Wyndham Street location just two doors down, West End Bakery was forced to move in May of 2007 to their current Yarmouth Street location, after an Easter weekend fire damaged a large number of buildings on the street. In January of this year, after 32 years, the Wyndham Lane Shoe Fashions retail store closed, passing their prime space on to the downtown landmark business. “I had a valuable lease agreement with my landlord and a great location,” says Ron Ferraro, owner of the former Wyndham Lane Shoe Fashions. “I wanted to pass that lease over to the right business–one that will be successful in my location.” The larger square footage at 105 Wyndham Street North will allow West End Bakery to now combine their bakery with a small amount of café style seating–something they have always wanted to be able to offer their customers. Sandra and Nick Koiter took over the bakery business from her father 27 years ago. He purchased the original Quebec Street location of West End Bakery in the early 1960’s. Shortly after, he purchased the Harry Worton Bakery on Waterloo Avenue, which had been operating at that location since the early 1900’s. Combining the two businesses, the Waterloo Avenue location became, and still operates today, as the baking facility for the downtown West End Bakery retail location. A full time scratch bakery, the owners still make most of their items from scratch. West End carries a full line of breads, buns, squares, tarts, muffins, cookies, cakes and pies. The pastry is made with only real whipped cream and the finest ingredients. Specialty cakes are made to order for all occasions. Nick Koiter is up every morning at 2:00 a.m., along with another baker, to make fresh bread for the day. All baking is done off-site to the retail location and truck runs supply the downtown store plus a few local restaurants. The new space will maintain counter service, with
Sandra and Nick Koiter, owners of West End Bakery, prepare to open at their new location on Wyndham Street North. seating for 30 customers. The eat-in or take-out materials, the new tenants have converted the former lunch menu will offer hot and savoury items includ- stockroom shelves from Wyndham Lane Shoe ing grilled sandwiches, soups, sausage rolls, plus meat Fashions into wainscoting for the seating area. “We can’t wait to get back into the centre of and chicken pies. A wider range of specialty coffees, espresso, and cappuccinos will be available, as will all downtown,” says Sandra Koiter. ”We feel the move the bakery items they are known for. Be sure to try will be good for our business, our customers the handmade scones, made with real butand the downtown.” ter–customers can’t seem to get enough of them! Bar style window seating looks out over Wyndham Opening the new location in late May, Street. Built originally in 1874 as part of the West End Bakery operates : McQuillan Block, renovations to the building have Monday to Thursday 8:00 am to 6:00 pm uncovered amazing architectural elements. Customers will be drawn to the original brick walls, Friday 8:00 am to 7:00 pm original hardwood flooring, the beautiful vaulted Saturday 8:00 am to 5:30 pm ceiling, and delicate columns. Using the existing
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Moving About Town
Buy Local Is Great for All Local businesses make our community go. Money made in Guelph and money spent in Guelph provides a living for people living here. It’s called the “multiplier” effect: a dollar paid in local salaries to purchase local goods and services provides income to purchase more local goods and services. Local businesses invest in themselves to pay more local people and the cycle continues. Local economics makes enormous sense. The Guelph Chamber of Commerce supports our local businesses by Lloyd Longfield Advocating for them, connecting them to each other, and providing Education for business people to continue to learn and grow. That’s our ACE in the hand. Wednesday,April 6th from 4pm to 8pm, local economics came alive with our 8th annual Table Top Trade Show. Over 80 local merchants displayed what they do for many local residents who took the time to visit their booths. With Guelph’s amazing array of talent, you will always be surprised by what is available locally. The show was free admission, and also gave a chance to visit the beautiful Cutten Fields, which has just undergone a renovation to bring it more in line with its original design as it celebrates its 80th anniversary. Hardly an event goes by at the Chamber of Commerce that someone does not say “I didn’t know you could do that.” If showing up is 80% of success, our local trade show gives lots of chances for you to improve on your success. Of the 40 events the Guelph Chamber hosts each year, this event has the most people showing up. By that measure it is our most successful event of the year. The Awards of Excellence Gala in June, or Golf Tournament in September, are favourite events bringing local businesses together. The Breakfast Academy series, Pulse on Innovation breakfasts, Lunch and Learn, and Business After 5 events provide excellent educational opportunities. Guelph Chamber events are updated weekly on our website www.guelphchamber.com, and provide outstanding value for their cost. The Business After Five Regional Trade Show in September provides outstanding value and is open to the public.
Buzz on Business St. John's-Kilmarnock School: is partnering with the Kitchener-based Visram Foundation to help fund the school’s outreach to Nepal. Since 1999, St. John'sKilmarnock students and staff have travelled to Nepal to visit the mountainous country and assist Himalayan communities in need. For more information and full press release visit their website www.sjkschool.org.
Cutten Club: have changed their name to Cutten Fields. This was the Club's name when they first opened in 1931. For more information on Cutten Fields go to their website www.cuttenfields.com.
FTC Canada: have changed their name to Speroway. For more information on Speroway go to their website www.speroway.com.
Selected Bioproducts Inc. has moved their new address is 6-558 Massey Road, Guelph, ON N1K 1B4. Phone 519-824-8518, fax 519-824-4855, website: www.horseherbs.com. Parametech I.T. Solutions has moved their new address is 121 Wyndham St. Suite 202, Guelph, ON N1H 4E9. Phone 519-823-3777, website: www.parametech.ca. Inland Customs Brokers Limited has moved their new address is 595 Woolwich Street, Guelph, ON N1H 3Y5. Phone 519-824-7330, fax 519-824-0208 has remained the same, email: joel@inlandcustoms.com. Orchard House Gourmet has moved their new address is 6A-650 Woodlawn Road West, Guelph, ON N1K 1B8. Phone 519-835-2073 or email: jan@orchardhousegourmet.com. Integrative Natural Medicine has moved their new address is 3 Badenoch Street, Morriston, ON N0B 2C0. Phone 519-763-6340, fax 519-763-9047, email: info@itsyourhealth.ca. Dr. Phil The Wellness Consultant has moved to Tranquil Therapeutic Solutions Health & Wellness Centre at 650 Scottsdale Drive, Unit 2-C, Guelph, ON N1G 4T7. Phone 519-265-3799, fax 519-824-2613 and website www.ttsguelph.com. Don’t miss out on these UPCOMING EVENTS
Lunch & Learn Wednesday, May 11, 2011 12:00 p.m. – 1:30 p.m. Grants for Business Cutten Fields, Guelph Guelph Chamber Pub Night Monday, May 16, 2011 5:00 p.m. to 7:00 p.m. Crabby Joe’s Tap & Grill 261 Woodlawn Road West, Guelph GCC Breakfast Academy Friday, May 20, 2011 7:00 a.m. - 9:00 a.m. Advantages of Establishing Boards of Directors/Advisory Boards for small business Holiday Inn Guelph Hotel & Conference Centre
Innovation Guelph – Open House Thursday, May 26, 2011 4:00 p.m. - 6:00 p.m. 42 Wyndham Street North, Suite 402. Guelph Guelph Chamber Pub Night Monday, June 20, 2011 5:00 p.m. - 7:00 p.m. Red Brick Café Downtown Guelph, 8 Douglas Street Guelph Awards of Excellence Thursday, June 23, 2011 Join us at the 12th annual Awards of Excellence Gala and help celebrate individual and company excellence in the Guelph community. Business After 5 Tuesday, June 28, 2011 5:00 p.m. – 7:00 p.m. Greenway Home Products 400 Southgate Drive, Guelph
3rd Annual Guelph Sustainable Solutions Workshop Thursday, May 26, 2011 8:00 a.m. - 12:00 noon University of Guelph, For more information about events go to www.guelphchamber.com Rozanski Hall To register, please visit www.guelphchamber.com
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519 826-9679 1-866-622-5646 930 Woodlawn Rd. W., Unit 16, Guelph ON N1K 1T2 Email: logoworx@rogers.com www.logoworx.ca
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Real Estate
New Homes, Residential & Commercial
Guelph Dream Home 10th anniversary Valued at $682,000, The Rotary Club of Guelph Dream Home has opened to the public for 2011. Located at 45 Sweeny Drive on a prime 60’ x 115’ south end lot, the home is close to amenities and the 401. Built by Sloot Construction Ltd., this quality home is an exceptional open-concept, 2,800 square foot space. Vaulted ceilings in the great room, hardwood flooring, and a two storeyhigh stone fireplace, make this room an inviting place to sit and enjoy the view of your professionally landscaped yard. A custom gourmet kitchen is any cook’s dream, complete with stainless steel appliances, a large island, and granite counter tops. The bungaloft style provides a spacious main floor master bedroom with a luxurious ensuite bathroom. Climb the custom staircase to the spacious landing overlooking the great room. Here you will find two additional bedrooms, an additional luxurious bathroom, plus an entertainment room complete with a wet bar and beverage fridge. The unique front balcony is the perfect nook to escape to and relax. In addition, the Dream Home winner receives a full year’s family membership to the YMCA/YWCA of Guelph, and a $1500 credit towards moving expenses from Mike the Mover. Proceeds support Rotary Club of Guelph Projects and the Guelph General Hospital Medical Education Centre. Working in partnership with McMaster Michael G. DeGroot School of Medicine and its Waterloo campus, the centre will provide leading-edge training for medical students and eventually encourage them to return as permanent physicians. To date the Guelph Dream Home fundraiser
The 10th Annual Rotary Club of Guelph Dream Home had a successful opening weekend. Visiting the professionally decorated home on the Sponsor & Donor Appreciation Evening are, l to r: Andy Goyda, Owens Corning; John Sloot, Sloot Construction; Liz Cooney, Chair, Rotary Dream Home Committee; MPP Liz Sandals; Ian Smith, President, Rotary Club of Guelph; Mayor Karen Farbridge; Susanne Bone, President & CEO of the Foundation of Guelph General Hospital. Supplied photo
has generated over 1.2 million dollars that has gone back into the community. “The Dream Home is a huge project that wouldn’t be a reality without the contribution of a very large number of companies and individuals, as well as the ongoing support from our local community and beyond,” stated Liz Cooney, Chair of the Rotary Club of Guelph 2011 Dream Home Committee. “The generous support we receive
every year from all those people who purchase a ticket is truly heart-warming.” Tickets offer great odds with only 8500 tickets available. On sale now for $100 each or 3 for $250–purchase before the early bird deadline for a chance at over $45,000 in cash and prizes.
Visit the Rotary Dream Home weekdays from 6pm to 8pm, weekends and holidays from 1pm to 5pm. For Tickets or information on prizes and draw dates, visit www.guelphdreamhome.com or call 1-877-675-2399.
55 Woodlawn Road West, Guelph Approx. 3,000 SF of storage/office space available in high-traffic area. Adjacent to Home Depot. Portion of fenced-in area also available. Ideal for contractor. Rental Rate: $10.00/Sq.Ft. Gross!!
485 Silvercreek Parkway North, Guelph
30 Hayes Avenue, Guelph
2,160 Sq.Ft. available in plaza located at Woodlawn Road and Sivlercreek Parkway. Easy access from Hanlon Expressway. Ample free on-site parking. Minimum Rent: $11.00/Sq.Ft.
+/- 3,600 SF industrial building for lease in central location. Grade level loading, 500 Volt electrical service. Centrally located with easy access to York Rd. (Hwy. 7) and Victoria Rd. Minimum Rent: $4.55/Sq.Ft.
51 Woodlawn Road West, Guelph Approx. 1,600 SF of commercial space for lease in hightraffic location. Conveniently located close to Home Depot and Wal-Mart development. Ideal for restaurant. Outdoor patio possibility. Additional 400 SF in basement with office and washroom. Minimum Rent: $16.00/Sq.Ft.
15 Surrey Street West, Guelph Approx. 2,537 Sq.Ft. available in professional service plaza. Free on-site parking. Close to downtown amenities. On busroute. Located next to established medical centre. Ideal for professional/medical office. Minimum Rent: $14/Sq.Ft.
www.parkcapital.ca
161 Waterloo Avenue, Guelph Professional second storey office space for lease in recently renovated building. Central location. On-site parking available. Minimum Rent: $750.00/Month.
Park Capital Inc., Brokerage 76 Dawson Rd., P.O. Box 923 Guelph, ON N1H 6M6 Tel: (519) 824-9900 - Fax: (519) 824-2471 Email: info@parkcapital.ca
COMMERCIAL
The Realtor and its agents have relied upon the owner and other sources for the information provided in this material and although we believe it to be substantially accurate, it is all subject to verification by the prospective purchaser or tenant and hi s/her/its respective legal, tax and other advisors. The Realtor and its agents assume no liability for the accuracy or use of this information in any manner by anyone and reliance upon or use of this information by anyone is solely at his/her/its own risk. The Realtor and its agents reserve the right to change pr ices, terms and other conditions or withdraw the property from sale and/or lease without notice. This material does not constitute an offer for sale or lease. Not intended to solicit properties currently listed for sale or lease, or to entice par ties to breach any existing agency contracts.
May 2011 page 3
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Third Annual Guelph Sustainable Solutions Workshop Join Mayor Karen Farbridge and local sustainability leaders for this free half-day workshop of business and community leaders to discuss: • How to transform your organization towards economic, environmental, and social sustainability. • How to track and report on progress with measurement tools that work.
Participants will leave with practical, useable resources, including a tool kit developed by local sustainability champions. University of Guelph Thursday, May 26, Rozanski Hall, 8:30 am - 12:00 noon. (doors open at 8:00 a.m.) To register visit the events page at www.guelphchamber.com.
V E N T U R E G U E L P H P U B L I C AT I O N S LT D .
Take the Commuter Challenge The nationwide Commuter Challenge runs • One busload of passengers takes 40 vehicles June 5 to 11. This friendly competition off the road during rush hour, saves 70,000 encourages employees to bus, bike, walk or litres of fuel and avoids over 175 tonnes of carpool to work in an effort to increase the emissions a year. number of commuters that use active and sus- • Driving 18,000 km per year costs an average tainable modes of transportation, while of $9,525 per year or 52.9 cents per kilomereducing the number of people driving alone tre (Canadian Automobile Association 2004 to work. The event coincides with National national average for a 2004 Chevrolet Environment Week and Clean Air Day. Cavalier Z-24). • It is estimated that transportation-related Active and sustainable transportation benefits emissions will cost the health care system the environment, personal health, the $11 billion to $38 billion between 1997 and economy, your community and employee 2020 (Transportation Association of well-being. Canada, 1998). • Active and sustainable transportation • Take the time to enjoy your communityenhances physical, mental, and emotional based businesses, such as local shops, health. Meet Canada’s recommended physirestaurants, bakeries and newsstands, while cal activity guidelines and reap significant decreasing traffic noise. traffic jams and health benefits by walking or cycling 30-60 parking hassles. minutes per day (Health Canada Physical Activity Guide, 2005). Register as an individual participant or as an • Healthy employee commuters are more organization. Visit productive, more relaxed at the workplace, www.commuterchallenge.ca to see which take fewer days off sick health and have organizations in Guelph have signed up and greater overall job satisfaction. for general information on how to register. • It takes 130 trees to produce the amount of Tracked impacts are emission reduction, oxygen needed to combat the carbon diox- calorie consumption, distance and fuel cost ide emitted from one car each year. Fewer savings. Results are updated daily so you can cars on the road decrease the demand for see which workplaces and cities have the more roads and parking lots, allowing more highest percentage of healthy commuters. land for green space. Business Venture is growing to include a section on Guelph environmental initiatives. Are you contributing to a Green Guelph? If you have green business news or advice to share, please email us at infoventure@golden.net. PROFESSIONAL REAL ESTATE MANAGEMENT SPECIALIZING IN:
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Publisher’s message I’m an independent businessperson–like many of you reading this publication, purchasing ads, or submitting articles. I was recently thinking–what does being an independent businessperson entail? Depending on the size of one’s operation and the type of business you own, your duties could include: Sales; Bookkeeping; Customer Service; Human Resources; Paying bills; Collecting bills; Cleaning the office; Staff training; Deliveries; Banking; Getting the mail; Sending the mail; Dealing with the Government (all levels); Networking; The list goes on… I’ve seen places where they have two or
University of Guelph Communications AVP Announced In recognizing the importance of communications in advancing the University’s mission, particularly in areas such as branding and marketing, media and public affairs, fundraising, and community and government relations, president Alastair Summerlee recently announced that Chuck Cunningham will become the assistant vice-president (communications and public affairs) at the University. “The role of communications is critical to almost everything we do, and this change in title reflects that reality. It also acknowledges the expanding role of communications professionals in higher education,” said Summerlee. “Chuck and his team have done an extraordinary job in leading our marketing and media efforts, and I am pleased to recognize that high level of professionalism.”
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more people just to perform one of those duties listed. After looking at the list, I wondered…is it worth it? You bet it is. There are many awards one may receive as part of the business community–The Chamber’s Awards of Excellence, The Mercury’s and the Tribune’s Readers Choice Awards to name a couple. However, I feel in many ways that those who are self-employed take home a little trophy everyday for doing the many tasks that make-up a workday. They say “variety is the spice of life” so is self-employment. Sure some days it’s maybe too spicy and I’ll finish the day
For the past fourteen years Ribfest has been an integral part of the community’s summer celebrations. The Rotary Club of Guelph Trillium hosts this event year after year to enormous community response. The group relies on the generosity and strength of Guelph’s business community to provide valuable resources that ensure the event is a success. Partnering with Ribfest is a great way for your business to be profiled at Guelph’s favourite festival. By joining as a sponsor of Ribfest you will be telling the community that you care about and support community events, and that you are proud to be part of an event that gives thousands
business to business | homes and lifestyles 2011–The opinions and stories that appear in the columns of Business Venture are for information purposes only. Statements and opinions within the pages of Business Venture are those of the writers and do not necessarily represent those of the publisher, advertisers or Venture Guelph Publications Ltd. This issue: 12 pages without any inserts.
519-824-1595 Mike Baker, Publisher email: venture@golden.net website: www.ventureguelph.ca
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of dollars to charity. Plus, think of the delicious ribs you will enjoy during the event! Ribfest has raised over a million dollars to help organizations in the community. As a sponsor, your business will receive recognition as this year’s Ribfest event builds on those great results. By sponsoring at a Silver level or higher, you also gain access to the VIP area and additional free meal tickets. You have guaranteed seating with exclusive bar service. As a Platinum sponsor you will have one of three days named in your company’s honour. What a great way to impress your best clients. Corporate sponsorship gives you access and
visibility to a large number of potential customers–throughout the three days of Ribfest, thousands of visitors will walk past your company’s banner (Bronze or higher). In addition, Silver sponsors or higher will be mentioned in Ribfest advertising. Count yourself in and sponsor at a level that suits your organization. Sponsorship levels are: Amigo Sponsors - $500, Bronze Sponsors $1,250, Silver Sponsor - $2,500, Gold Sponsor $5,000, Platinum Sponsor - $10,000. For more information on Ribfest Sponsorship call 519-836-0223 or email sponsorship@ribfestguelph.com.
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with indigestion. However, many days I sit back and say to myself “wow I did this” or “I’m doing that “ and I feel a tremendous amount of pride and satisfaction. Sure, extended time off is limited but I can leave early or come in late, take long weekends, and golf with friends–all I have to catch up on when I return is: Sales; Bookkeeping; Customer Service; Human Resources…
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Profiles, Technology, Legal, News & Announcements Business to Business How does paying by cash or Interac help small business? Submitted by CFIB Let’s say one day you walked into your favourite neighbourhood restaurant where the owner knows you by name and has for years. But let’s say on this day there is a stranger sitting behind the cash register beside your friend the owner. Wait a minute! What’s happening here? You’re paying the bill, and, without a word, 2-3% of what you pay goes directly in to the outstretched hand of the stranger. No please. No thank you.
Global Education at Wellington Catholic Submitted by the Wellington Catholic District School Board A few weeks ago the City of Guelph welcomed 19 Korean Teachers from the District of Busan in the southern part of this very dynamic country. They are here as the second wave of teachers from the Pacific Rim to work in the schools of the Wellington Catholic District School Board. Why? Officials at Wellington Catholic are convinced that their current and future students are literally going to be students of the world. Their collective concept of international affairs will be far more enlightened than their predecessors. It is very important that our local students come to understand and appreciate the cultural and lived experiences of other countries. Second, Korea is one of the fastest growing economies in the world. It has been able to withstand the ravages of the international monetary meltdown and continues to have a very concentrated focus on the importance of education. Their student results in international testing in Mathematics
are among the top quarter in the world. Finally, this country has a relentless focus on the need to learn another language. In most cases it is English. The members of the visiting group are fluent in English and are accomplished educators from a very successful system. The students in selected schools in the City of Guelph have the benefit of learning from these professionals as a supplement to the Ontario program of studies. Director of Education and CEO of Wellington Catholic, Don Drone, comments that "this investment of time and energy in working with our Korean colleagues has been of profound mutual benefit to faculty, staff and students alike.” The Senior Administrative team of the District has been working directly with the Minister of Education for the country, Mr. Ko, whose visit to this community engaged Frank Valeriote, MP and Liz Sandals, MPP. Both of these elected officials are very supportive of the program.
Educating for Life
But it’s not one day. This is today. Your friend - the favourite chef, reliable drycleaner, or family dentist actually does share the cash register counter with an outstretched hand: Visa, MasterCard, American Express and their partners in the banks. Every time you pay with a credit card, a percentage of your purchase goes to the credit card company and the bank. The more often you pay with a credit card, the more money goes to the credit card companies and banks in the form of transaction fees charged to the merchant. The less income the merchant has available to pay staff, suppliers, sponsor the local baseball team...or even send their own child to summer camp. The higher the price you have to pay for your favourite soup or sweater. The fix is easy, though. Just consider paying with cash or debit. Wherever you can, avoid compelling the independent merchant to pay the credit card companies. Help small businesses reduce their costs. Help reduce the pressure on your prices. Consider paying with debit or cash. Canadian Federation of Independent Business, www.cfib.ca
Media release French Language Mental Health services available in Waterloo Wellington French speaking residents of Waterloo Wellington, who require mental health assistance, will now be able to access a psychiatrist who speaks French through the services of the Ontario Telemedicine Network (OTN). As the world’s largest telemedicine network, OTN connects patients by video over a secure network connection to health care providers located elsewhere in the province. Access to French-language mental health services was identified as a health system priority after a series of consultations that the Waterloo Wellington Local Health Integration Network (WWLHIN) held with Francophone residents. French-speaking residents of Waterloo Wellington will be able to access care from a French-speaking psychiatrist at five OTNenabled sites across the WWLHIN. Access to this service will be through a referral from family doctors to Trellis Mental Health and Developmental Services. Until now, Francophone residents of Waterloo Wellington who require mental health services
in French have had to travel to other centers outside their local community. This creates barriers to access to care that include time and transportation, and language barriers that may affect the quality of care received. “Trellis is proud to host this important French language mental health initiative in partnership with the WWLHIN and the Ontario Telemedicine Network. Accessing help in one’s first language is vital to recovering from mental health challenges.” Fred Wagner, Executive Director, Trellis Mental Health and Developmental Services. This new service will launch on May 16, 2011. In the interim, Trellis will be finalizing the intake and referral process, securing the services of additional French speaking psychiatrists, and informing family doctors and French speaking residents of Waterloo Wellington about the service and how to access it. Trellis has offices in Guelph, Wellington, Dufferin and Kitchener. Visit www.trellis.on.ca for more information.
Donation made to Big Brothers Big Sisters Guelph Big Brothers Big Sisters of Guelph recently received a donation from Skyline. Left to right, Skyline Co-founders Martin Castellan, Jason Castellan, and Roy Jason Ashdown, with Rose Silvestro, BBBSG Executive Director, and two little brothers. Over 30 BBBSG children and volunteers were hosted by Skyline at the Guelph Storm playoff game. Supplied photo
75 Woolwich St., Guelph, Ontario N1H 6N6 Phone: (519) 821-4600 • Fax: (519) 824-3088 www.wellingtoncdsb.ca
May 2011 page 6
Big Brothers Big Sisters of Guelph (BBBSG) have partnered with Skyline and the Guelph Storm to raise money for mentoring programs. Skyline recently presented BBBSG with a donation of $4000 raised through the on-line auction of Guelph Storm warm up jerseys sponsored by Skyline. All proceeds from the auction will go directly to developing and maintaining mentoring programs that help local children succeed. “We are so thrilled to be partnered with such a remarkable organization that does such important work for the youth in our community. The
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incredible staff and volunteers at BBBSG are so dedicated and truly inspiring, we are happy to support them in their work and we do our very best to give back in any way that we can,” says Marissa Morettin-Teeter, Director of Investor Relations for Skyline. “As demand for our services grows each year, we are grateful for the support of partners like Skyline who give so generously to BBBSG,” says BBBSG Executive Director Rose Silvestro. “Through their support we are able to promote the healthy development of children and youth in our community.”
Business and Personal Finance Avoid these money mistakes by John Moran Ontario AGRICentre 100 Stone Road West, Suite 301, Guelph Telephone: 519.822.4680 Fax: 519.822.1583 Toll-Free: 1.866.658.0092 www.millerthomson.com
Staying on course in one's financial planning program is essential to ensuring your goals are attained within the time frame you have established. Many individuals don't maximize the total potential of their portfolio, or even worse have their plans come to a complete stop because they fail to monitor the progress of the program. If you know where you are headed you can stay on course as you move towards retirement. Here are some common financial mistakes that will take you off course–ensure you avoid them. • Avoid procrastination–If you wait until you are 50 or older to begin investing you won't have time on your side to develop an adequate portfolio.
mutual funds or segregated funds • Remember inflation–If you don't calculate the effects of inflation in your too often one may incur deferred retirement plan you may be saving sales charges or extra fees thus lowering the potential for long term less than you need for retirement. • Not reviewing your investreturns. • Overreacting to market volatiliments–Some investment choices don't always perform as planned. ty–When markets go down many investors bail out at exactly the Ensure that the portfolio is reviewed regularly so that poor performing wrong time. If you are satisfied that the reasons you made investment assets can be replaced with better ones. choices are still valid, hold the • Timing the market–Some people try course while markets recover. • Indifference to the need for life, critto time the market and fail to give their investments time to perform. ical illness or disability insurance–If you become sick or disabled where Market timing is difficult for even the most seasoned investors so work will you find the money to pay the with your financial planner to avoid bills and maintain your investment program? Or worse if you die will timing losses. your family be provided for? • Switching funds too often–By selling
How a Home Equity Line of Credit can help you Have you been thinking of renovating your home? Are you dreaming of a holiday getaway? Perhaps you’re interested in purchasing a cottage? Each of these options can actually be easier to achieve than you may think. Financing your renovation project, taking a welldeserved dream holiday or financing a vacation property doesn’t have to be a daunting challenge. Your home is a very important part of your net worth. The equity you’ve built in it, however, doesn’t have to sit idle. Consider using your home’s equity to finance your renovations or dream purchase; you may have access to more funds than you may think. With a Home Equity Line of Credit, you may be able to access up to 80% of the appraised
value of your home. Having ongoing access to a source of credit can also save you time as you may not need to apply for another loan. A TD Canada Trust Home Equity Line of Credit, for example, allows you to set your monthly payments, as low as interest only. As your outstanding balance decreases, the credit available to you increases–credit to use on anything you choose. Fixed and variable interest rates are available, although you may also choose to take advantage of both by locking in a set amount of your outstanding balance at a fixed rate, while leveraging a variable rate for the remainder of your line of credit. If you prefer to protect yourself from interest rate
• Too much debt–Carrying high debt
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requires money to service it and reduces the ability to save. Pay down those credit cards! There are many other considerations to be made on a regular basis to ensure an adequate retirement nest egg is achieved. Work closely with your financial planner to avoid pitfalls in your program. John Moran BA, EPC, President of Lyon Financial Services, 519-766-0001 or jmoran@lyonfinancial.ca.
by Anu Luthra
increases, then a fixed rate option may be the right choice for you. Knowing the exact payment amount every month can provide peace of mind. Having a fixed rate portion, your interest rate will not change during the selected term. As a result, you will always know exactly how much your payments will be for that portion and how much of your outstanding balance will be paid at the end the term. Establishing regular fixed payments may also help you plan your budget. If you don’t mind the idea of knowing your payment may fluctuate, then a variable rate could be right for you. With a variable rate option, your interest rate may change at any time–up or down.
Historically, when interest rates are fairly stable variable rates have typically been lower then most fixed rate options, but this may not always hold true. Regardless of the option you choose, you also have the option to make lump sum payments to your outstanding principal balance. Now that you are aware of the equity in your home, speak to your home financing professional to learn more. Reap the rewards of the investment you’ve made in your home. Anu Luthra, Manager Residential Mortgage Specialist, TD Canada Trust. 519-362-4700, anuradha.luthra@td.com
Bensol Consulting offers custom employee benefits solutions that deliver high employee satisfaction while helping you manage your bottom line.
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Funeral Home and Chapel Ltd.
“Wellington County's Oldest Family Owned Funeral Home”
Pre-arranging one's own funeral is now widely practiced across Canada. Gilbert MacIntyre & Son have been helping individuals and families with funeral prearrangements for almost 80 years. If you would like to make an appointment to discuss prearrangements, please contact us. Or, if you like, you can prearrange your funeral online. You will be asked the same basic questions you would in a one-on-one prearrangement meeting; but within the "comfort" of your own lifestyle. Our experience in dealing with prearranging funerals has lead to the development of the GILBERT MACINTYRE & SON TRUST PLAN for those who wish to pre-pay their funeral expenses.
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Representing three generations of funeral service - Established in 1933
75 Years–2008
The GILBERT MACINTYRE & SON TRUST PLAN retains all the advantages of the pre-arranged funeral, but goes further with respect to the financial advantages. · The GILBERT MACINTYRE & SON TRUST PLAN is hedge against inflation. The cost of the funeral will never increase, no matter how long it is before the funeral services are required. · Pre-payment reduces the financial demands on the survivors. Costs will be paid out of income now, rather than from much needed funds of the estate. · Like a paid-up life insurance policy, this plan is of immediate and far-reaching benefit to survivors.
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· Interest on funds held in a GILBERT MACINTYRE & SON TRUST PLAN is tax free. · The GGILBERT MACINTYRE & SON TRUST PLAN may be purchased on a convenient time payment plan. Usually the prearrangment service is entirely paid for by the time it is needed, thereby relieving the family of expense at the time of the funeral. · Money is held in trust and fully refundable any time.
The GILBERT MACINTYRE & SON TRUST PLAN is designed to comply with all regulations under the Funeral Services Act of Ontario and is fully insured.
Preplanning
Working in hot weather
The Great Local Food Chef-Off–featuring celebrity Chef, Michael Smith
by Anna Bartolomucci It is a very important time of year in the workplace. As warmer and even hotter temperatures are upon us, employers and employees should begin to review their protocols for working in extreme heat both indoors and outdoors. Working in extreme heat leads to stress on our body’s natural cooling mechanisms–a combination of heat with hard labour, loss of fluid, dehydration, fatigue and some underlying medical conditions can cause serious heat-related illnesses. Although it’s important to pass this information onto seasoned employees, it is even more important to educate newer employees and perhaps summer students who are working in hot environments for the first time. In normal temperature conditions, the body regulates itself. The heart pumps more blood closer to the surface of the skin to dissipate heat. Circulation is increased and blood vessels dilate. Perspiration helps as the mechanism whereby the body begins to cool down by the process of evaporation. When it is abnormally hot and humid and there are other stressors present such as hard physical work, loss of fluids, and poor ventilation, it becomes increasingly difficult for the body to cool itself down and regulate its core temperature. It simply overheats. Acclimatization is a very important process whereby the body works harder as it adjusts to working in the heat. Usually there is a period of acclimatization (7-14 days) in which your body adjusts itself so that you are able to work at the same intensity as before the heat. You may feel slightly lethar-
gic during this time. Working in physically demanding jobs during hot summer months can cause heat cramps, headaches, nausea, dizziness, fatigue, confusion and weakness. Heat stress prevention is the key. Seek air conditioning, fans or shade as much as possible. Reduce job demands by taking requent breaks if possible. Avoid heavy outdoor activities between 11am - 4pm. Unless heavy/protective clothing is required, wear lightweight, loosely woven cotton fabrics, in layers. Make sure you are drinking enough! Dark concentrated urine is a sign you need to be drinking more. Drink cool water or beverages throughout the day to avoid dehydration. Though water is best, juices or caffeine free sport drinks are also appropriate in moderation. Enjoy more cold foods like fresh fruit, vegetables, sandwiches, and salads in smaller and more frequent meals. Check food expiration dates in vending machines. Whether you spend time outdoors recreationally, working, or you manage outdoor employees, it’s important to practice summer safety, stay cool, productive and healthy.
Sunrise is excited to host a new and unique event at their riding and learning centre. The event will feature a feast of local ingredients prepared by renowned local Chefs in a friendly, yet competitive “Chef-off”, which will be overseen by the Food Network’s Celebrity Chef, Michael Smith. An advocate of local foods, flavour and simple recipes, Chef Michael Smith is an award winning cookbook author, newspaper columnist, professional chef, and the host of TV shows Chef at Home, Chef at Large and Chef Abroad. The event will host 250 guests for an afternoon at the beautiful farm in the Township of Puslinch. Each Chef will create their own signature dish from a list of fresh, local ingredients and the guests will judge. Proceeds will support Sunrise Therapeutic Riding & Learning Centres’ Summer Camps and Equine Care Programs.
Anna Bartolomucci RN, WellServe Health Care Management, 519-837-3896 Ext 17, anna.bartolomucci@wellserve.on.ca
For more information and tickets, call Lynne at 519-837-0558 ext 31 or email info@chef-off.com
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Bowl for Kids Sake is Big Brothers Big Sisters of Guelph’s (BBBSG) largest fundraising event of the year. This year’s goal is to raise $90,000 in support of the over 600 children the agency served in the past year alone. At this year’s event, 500 people on 107 teams raised over $82,000. All proceeds from the campaign go directly to developing and maintaining mentorship programs that instill children with confidence and self-esteem, and help local children succeed. “The demand for our services grows every year,” says BBBSG Executive Director Rose Silvestro.“It is inspiring to see so many members of our community come out and raise pledges. Thank you to everyone who has and who will take part. Your support makes a big difference in the life of a child”. You can still help BBBSG reach their goal. Donations can be made on line at www.guelph.kintera.org/bfks or by mailing your donation to the BBBSG office 2G-155 Suffolk St. W. Guelph, Ontario N1H 2J7. Tax receipts are available for donations of $20. or more.
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Guelph Youth Singers presents A Rovin’!
99 years and still moving business forward Established in 1912, The Guelph Country Club has provided Guelph and area outstanding hospitality and recreation for 99 years. 2012 will mark the historic Club’s 100th Anniversary, but with the Club’s history comes great innovation and a moving business forward platform. Lorne Rubentstien, Canada’s foremost golf writer has called the Country Club, “ the best hidden secret in Southwestern Ontario”. Competing as a nine-hole course in an 18-hole market can appear as a challenge in the golf market, but the Country Club has set itself aside in the industry by promoting what they do have, not what they do not have. The nine-hole course is one of Ontario’s greatest layouts, and can be played in two hours, allowing for a great golf experience in today’s time crunched
lifestyles. It also provides full memberships under $1000, and an outstanding members event line up. Where the innovation comes, is that they do not have an 18hole fee rate, but instead, a nine-hole rate and an all day rate– providing no limitations, and adding value to the consumer. “The response on this has been fantastic,” says GM Dave Vogel. “Today’s golf market is about time and quality. At the Country Club we offer both. Nine holes can be played in two hours, or the player is welcome to play all day.” On the hospitality side, the Country Club has a history of outstanding service and product, but the innovation continues. In late 2010, the Country Club teamed up with three local caterers, Appetizingly Yours, Taste Fine Foods, and Jesse’s Catering, to work alongside their in house programs, to provide a wider range of culinary offerings to the customer. The design allows the Country Club to deal with their CORE operations–a combination of member, public, and corporate events. The larger events such as weddings, conferences, and banquets, are the core business of local catering companies. “This provides members, public, corporate and special event clients, not only options, but the best of the best in their field. In partnering with AY, Taste, and Jesse’s, the Country Club can offer the client what no other facility in the area can. A true choice, and the piece of mind you are always dealing with the best at what they do.” To celebrate 99 years and the road to 100, the Country Club will offer 99-cent golf days this summer. “We want to thank Guelph for 99 years of patronage, and 99 cents seems appropriate.” Stay tuned to twitter.com/GuelphGolf, and the Country Club website at www.theguelphcountryclub.com for 99-cent day dates. Supplied photo
The Guelph Youth Singers (GYS) celebrate their 20th anniversary season with songs of travel and songs from around the world. The spring concert A-Rovin’! features songs including the popular Doll Song by Offenbach, Trolley Song, from the musical Meet Me In St. Louis, the popular African song, Shosholoza! and Arthur Hamilton’s delightful Sing a Rainbow. Founded in 1991, GYS has reached national prominence through provincial and national awards at the Canadian Federation of Music Festivals. The annual spring concert is the major event of the spring season and follows a tour in late April by Choir III to Alberta, where they will be hosted by the Edmonton Children’s Chorus. For more information on the organization, please contact Cathy Meggison at 519-821-8574. A Rovin’! May 28, 7:30 pm River Run Centre. Tickets at 519-763-3000. Adults $25 / Students & Seniors $19/eyeGO.org
Money raised at Ribfest supports community Each year the Rotary Club of Guelph Trillium presents a donation cheque to community organizations from the funds raised at the annual Ribfest. This year’s recipients were: Action Read Community Literacy Centre Alzheimer Society of Guelph Wellington Chalmers Community Services Centre Dunara Homes for Recovery Food and Friends The Guelph Enabling Garden Immigrant Services, Guelph and Wellington Ken Danby Public School - Breakfast Programme Learning Disabilities of Wellington County
Michael House St. James the Apostle Anglican Church Living on Less Stroke Recovery Canada Guelph/Wellington Chapter Sunrise Therapeutic Riding and Learning Centre Wellington Water Watchers Women in Crisis Guelph/Wellington Drop In Centre - Transportation Fund
“The best hidden secret in Southwestern Ontario.” Lorne Rubenstein, The Globe and Mail
Full Privilege Golf Memberships* from $995.
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Business to Business Benefits: costs or investment? by Michele Mactaggart
Profiles, Technology, Legal, News & Announcements Overhaul of the Ontario Health and Safety System–don’t get caught unprepared by Lynne Bard
Cost containment is a hot topic with most plan sponsors. It’s all too common to see double digit rate increases due to increased utilization, government offloading, ageing plan members and more costly drugs. An effective way to manage costs is with traditional plan design cost-containment but few employers are taking advantage of these tools. A recent Benefits Canada article shows: • More than 57% of health plans do not have deductibles; • 67% of employers still pay 100% of the premium for health and dental benefits; • Only 17% of drug plans have a per-prescription deductible; and, • The most common co-insurance percentage for the reimbursement of drugs and basic dental expenses is 100%. A lot of plan sponsors rely exclusively on a change in insurance carrier to lower their plan costs. While this is one strategy it doesn’t address the real problem of reducing the number and the cost of claims being reimbursed. Reviewing, identifying and addressing the root causes of premium spikes is a long-term solution–that provides sustainable savings compared to jumping from carrier to carrier. Many plan sponsors view their benefit plan as a cost with the goal of reducing costs. A better approach would be to view the plan as an investment with the opportunity for better returns. We need to shift the focus away from trying to
reduce the expenses charged by the insurance carriers to managing the cost of the actual claim where the potential return is much greater. There are many cost-containment strategies that can be implemented with varying levels of return and degrees employee disruption. A key finding of the Sun Life Canadian Health Index™ for employers is that more members of their workforce may be at risk for health issues than previously thought. 60% per cent of Canadian employees have three or more unhealthy behaviours. These employees are more likely to incur more in benefit costs due to absenteeism, drug claims and disability. Investing in the right plan design and benefit offering will improve returns. Health and Wellness programs can encourage and enable employees to adopt healthier lifestyles. The programs can be tailored to each organization and can include lifestyle coaching, screening clinics, health risk assessments and more. An emotionally and physically healthy workforce will impact not only the financial success of your business by reducing premiums and improving efficiency, but will also translate into enhanced employee satisfaction and retention. Michele Mactaggart, RHU, Bensol Consulting Inc. 519-829-2860 or www.bensolconsulting.com
Bill 160–an amendment to the Occupational Health and Safety Act in Ontario has passed second reading on March 29, 2011. The Ontario Government has clearly indicated that this is just the first step in a more comprehensive overhaul of Ontario's occupational and health and safety system. These amendments will impact small to large employers through the following changes: • Transfer responsibility for prevention from the Workplace Safety and Insurance Board (WSIB) to the Minister of Labour (MoL). This will strengthen and align the enforcement responsibilities of the MoL. • Increased mandatory training requirements for employers. • The MoL will now establish standards for training programs and approve programs that meet those standards. • A newer, more extensive training program is proposed for enterprises with 20 employees or more. • Employers with 6-19 employees who must appoint a Health & Safety Representative will now be required to provide mandatory training. • The changes will require revisions of existing health and safety policies or new policies. • Changes to the responsibilities of the Employer Advisor and Employee Advisor of the Ministry of Labour In conjunction with Bill 160, businesses should
St. Joseph’s Health Centre Guelph Yesterday • Guelph’s first hospital bed was opened in 1861 followed by: • Guelph’s first lung resection • Guelph’s first hip replacement • Guelph’s first corneal transplant • Guelph’s first arteriogram • Guelph’s first angioplasty
New Buildings. New Technology.
Same Devotion to Care.
be aware of the changes to WSIB. The MoL has identified that they will be responsible for Workwell Audits. WSIB LMR–Labour Market Reintegration Programs have changed and integration of the revised LMR will be integrated with the Return to Work Program for a NEW Work Reintegration Program later this year. As outlined by WSIB elements of the revised program include: • Maintain the relationship between the worker and the original employer. • Provide direct oversight by WSIB for all re-training services for injured workers. • Increase worker input and choice in their vocational goals. • Make greater use of Ontario’s public education system for injured worker re-training. • Provide workers with marketable skills and valid credentials. Be prepared to address these changes in the coming weeks. In preparation, complete a thorough Workwell Audit, a complete Facility Risk & Hazard Assessment, Health and Safety Systems and Policy review as well as review of your Health and Safety Maintenance Programs; identify the gaps and make the necessary changes. Lynne Bard, President/Senior Consultant for Beyond Rewards Inc. 519-821-7440 or lbard@beyondrewards.ca
1861–2011
Today • St. Joseph’s is Guelph’s only specialty rehabilitation and complex continuing care hospital • Guelph’s first choice for long-term care • Our region’s only clinical telemedicine site • Our adult day programs are recognized as among the best in Canada • Guelph’s only program for survivors of acquired brain injury • Guelph’s only rheumatologist
St. Joseph’s is building the next generation of health care.
Today
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Tomorrow
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St. Joseph’s is changing–growing to embrace the needs of a generation. We’re building new capacity today to deliver the health care your community will need, the exceptional care you’ll want–tomorrow.
519-767-3424
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