The Silver Journal - January - February 2013 (Online Only)

SilverJournal the

Health, Lifestyle and Finances Niagara Edition - January - February 2013

Celebrate Wellness

Artscapes

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Better Hearing is Within Your Reach!

At Niagara Hearing & Speech Clinic, our registered hearing care professionals are committed to helping you with any hearing difficulties you may be experiencing. We offer a wide range of products and services: UÊ comprehensive testing for children and adults UÊ hearing aid sales and service UÊ ear wax removal UÊ hearing aid batteries and accessories UÊ WSIB, DVA, ADP, CAW and Insurance Plan authorized

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We offer state-of-the-art hearing aid technology for: UÊVi>ÀiÀÊëiiV…ʈ˜ÊL>VŽ}ÀœÕ˜`ʘœˆÃi UÊÜ՘`Ê>ÃÊVœÃiÊ̜ʘ>ÌÕÀ>Ê>ÃÊ«œÃÈLi UÊVœ“«>̈LˆˆÌÞÊ܈̅Ê՘ˆµÕiÊ`iۈViÃÊvœÀÊLiÌÌiÀ ÊÊÊÜ՘`ʵÕ>ˆÌÞÊ܅i˜ÊÕȘ}ʓœLˆiÊ«…œ˜iÃʜÀ listening to the television

Contact us today to learn how we can help improve your quality of life! Linwell Medical Plaza | 282 Linwell Rd., St. Catharines | www.hearing-clinic.ca |

905.938.1661

Contents Cover: Read Story Online 5 Publisher’s Note 7 The Little Things Matter 9 Not Your Typical Hair Salon 11 Fine Wines 15 Over 25 Years of Service 17 Family Owned Since 1957 18 Niagara Region’s Country Fresh Cleaning Services 20 Visit the Sliversmith Brewing Company 22 Selling Things…What You Should Know 23 Why and How Today’s Seniors Buy Real Estate 25 A Multi-Discipline Tack Shop 27 Downsizing From the Family Home 31 Niagara Health and Home Expo 32 Dundee Wealth

Cover: Read Story Online 34 St. Catharines’ War Memorials 36 Never Too Late To Live Your Dreams 37 Restoring The Beaverdams Church 38 Life After The Penny 39 Maximize Retirement Savings 40 Calming Effect: Women Can Overcome Leading Health Threat

41 Stay Healthy When Stressed 43 Smart Snacking Tips 44 Fraud Prevention Tips For Older Adults 45 Simple Airport Security Tips For Seniors 47 Booksmart Reviews 48-51 Marketplace

The Silver Journal

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IHF Sales & Installations

Imperial Hardwood Flooring

Visit us at 580 Read Rd, St.Catharines, ON or call 905-937-2189 Today! Email: [email protected]

Need New Floors? Let us help you brighten up your home this year!

From hardwood, laminate or cork flooring, you’ll be sure to find something to suit your style and budget. We provide you with the best quality customer service from start to finish. What about those large and heavy pieces of furniture? No worries! We will move them out of the way and put them back when we are done. FREE of charge! FAMILY-RUN BUSINESS FREE ESTIMATES WITH NO OBLIGATION

Showroom Hours: Monday-Friday: 9:30 to 5:00 Saturday: 9:30 to 1:00

Publisher Mary Susan Staton, [email protected] The Silver Journal thesilverjournal.ca 905-933-5953 Associate Publisher Sandie Bellows Editor Karen Moncur, [email protected] Travel Editor Liz Fleming [email protected] Contributing Writers Tim Miller Beth Cockcroft John Bauslaugh Jessinta Joseph John Perkins Paul Speer Christine Raby Geri Klingbile Dana Donovan Gary Archer Maureen Sherman Photographers Lindsey Altoft Sales Manager George Chow [email protected] Sales Jane Alice Perkins Sandie Bellows [email protected] Rose Magro (Grimsby Region) Lead Designer Justin Luey, [email protected] Additional Graphic Design Christy Goines-Large Pauline Johnson

SilverJournal the

Niagara Edition - January-February 2013

Publisher’s Note I believe in The Silver Journal, and I’m commited to producing a great product for both our readers and our advertising partners. We have ambitious goals and we have overcome some major hurdles in the past three months, but we have a better product as a result. We apologize for any inconvenience this may have caused, but we are excited for our future endeavors. Thank you for reading The Silver Journal, and being so supportive. Our new website is growing and we are elated with the growth of our online presence. We also want to thank our advertisors who have worked with us in the past year. We have a lot of gratitude and want to wish everyone a happy and healthy new year.

Mary Susan Staton

Webmaster Justin Luey, [email protected] Advisory Panel Arie Vrugteveen Executive Director, Retire at Home Jane Bradley B.A Psychology Jonathon Dick, Lawyer & Notary Public Ruth A. Rutherford-Pretty Executive Director, Victim Services Circulation The St.Catharines Standard The Welland Tribune The Silver Journal is printed every other month and is delivered as an insert in the The information and opinions contained in this publication are obtained from various sources believed to be reliable, but their accuracy cannot be guaranteed. The Silver Journal and its employees and agents assume no responsibility for errors or omissions or damages arising from the use of the published information and opinions. Readers are cautioned to consult their own professional advisers to determine the applicability of information in this publication. For further information, please contact the publisher.

The Silver Journal

|5

The Little Things Matter

A

t Elio’s Foot Comfort Centre, Mario and Rob DiFelice blend old-school skills with cutting-edge technology to make sure that every customer has a solution to their needs. “We pay extra attention to people,” said Mario DiFelice, who has been involved in the footwear industry for over 20 years with his brother, Rob. “The customer who is coming in here with problems needs extra care if they are elderly and we will do that. We give everyone the same amount of attention, but if the doctor is sending their patient here we have to make sure we are an extension of that professional care. If the doctor has the trust to send a patient here, we have to take care of them.” Since 1970, Elio’s Foot Comfort Centre has been taking care of people. The familyowned business just entered its 41st year of operation on Front St. in Thorold, but the business has a whole new look to it. “We put a whole new face-lift in the front

Joseph Cassidy

with a new façade done with stone and stucco, putting in new doors, new windows, a new sign, some in-store renovations and renovating the production area in back,” said Mario. “It has been long overdue, and we want to help revitalize downtown Thorold. We are doing our part to show a commitment to the downtown area.”

“We have gotten into custom orthotics, custom-made shoes and now we have hired professionals, pedorthists, a master craftsman shoemaker and do everything on site. There is a big demand for these products, and the more we are getting involved the more we are getting referrals from doctors who have patients with problems.”

After Elio DiFelice started the business in 1970, his two sons, Mario and Rob, were incorporated on to the shop floor in the 1990s. After expanding their square footage and product lines, the brothers invested a substantial amount of capital into machinery and training to accommodate customers and provide the best technology and care available. Now, the business has 13 employees and can accommodate any need when it comes to comfort. Ninety-percent of their inventory is orthotic-friendly footwear for males and females of any age.

With comfort in mind, the DiFelice brothers also are planning out how they can continue to keep their customers walking comfortably tomorrow and in the future.

“We have adapted with the times and went with more orthopedic services because there is an aging population here.” said Mario.

“We are looking to expand at our current location, both on the sales floor and in the production facility, so we can accommodate the increasing demand for comfort footwear, custom-made shoes and orthotics,” said Mario. “Also, we want to expand our referral base with local physicians and reinforce to them that they can rely on us to keep their patients walking in comfort.”

The Silver Journal

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transitions health

studio

beauty

naturally

“Beauty Without Risk” Not your typical Hair Salon

* One does not need to be a client to take advantage of Transitions Studio’s unique assortment of natural products. Chemical free mineral makeup

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Organic lipstick, lipgloss, eyeliners Unscented, raw, vegan, gluten free hair and skin products Specializing in medically related hair loss and thinning

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Complete line of wigs, turbans, hats and accessories

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Unique gift boutique with an assortment of healing crystals, jewellery and Himalayan salts Visit our OPEN HOUSE, Friday, December 14th - 8am-6pm

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244 Grantham Ave.

St. Catharines

905-937-1623

Not Your Typical Hair Salon Adrianna Morganelli contains anti-inflammatory properties, mineral makeup is gentle to sensitive skin, and will not cause dryness or allergies, clog pores, or aggravate existing acne. It is also water-proof and resistant to sweat. Transitions Studio also carries a full line of organic lip, brow, and eye pencils, and organic lead-free lipsticks, glosses, and mascaras. Transitions Studio has been mindful to encompass all aspects of the salon in the effort to lessen its carbon footprint. Carlo and Tina support the Canadian economy by buying most of their products from local suppliers.

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pioneer in making the “transition” to becoming a chemicallyconscious establishment, Transitions Studio is a salon as well as a retail outlet dedicated to improving the overall health of its clients and the environment. Owners Carlo and Tina Turavani have changed their approach to beauty care to one that is holistic and encompasses Zen traditions. Their approach is not one that is new to them. Due to Tina’s childhood health issues, and those of family and friends, they have been motivated to live in this manner most of their lives, and have raised their children to embrace it as well. Tina is steadfast in her research to help develop safe and chemical-free products that help others live a healthier and more comfortable life.

One does not have to be a client to take advantage of Transitions Studio’s plethora of chemical-free, natural products. Their unique retail outlet consists of hand-crafted, fair trade, biodegradable, vegan-friendly gifts. They carry an extensive hemp and bamboo line, which includes purses, towel sets, computer bags, scarves, and cleaning supplies. Jewellery made of healing stones that are crafted locally, as well as calming selenite crystals, which are used to instil peace and drain negative energy from the body, are also offered. Customized gift baskets are available for any occasion. Carlo and his associate, CJ have become certified tricologists, which means that they specialize in the natural approach to hair loss and hair thinning. This feat has been long in the works. In 1992, a close childhood friend of Carlo and Tina passed away from cancer. Frustrated with the quality of wigs that were available at the time, she had asked them to find the means of providing others with improved hair pieces.

That same year, Carlo and Tina became dedicated to restoring the self esteem of countless adults and children throughout the Niagara region who suffer from hair loss by providing them with wigs and From the products used and carried to the furniture and other design hair prostheses. Most of their clients had undergone chemotherapy features within, Transitions Studio is completely environmentally- for cancer, and their repressed auto immune systems from the conscious. Hair dyes used are non-toxic, NO ammonia, smell , treatments made them sensitive to fragrances and chemicals. Paraphenylenediamine, coal tars, . Intensive research has been Working with these clients emphasized the importance of giving undergone into the products they offer, and they work with a care to the mind, body, and spirit every day. chemist to provide customers with the safest and purest of products. They carry unscented vegan, raw, chemical- and gluten-free hair In 1997, Carlo established the Canadian chapter of Wigs for Kids, products including natural hairsprays, mousses, and gels, and their which is the first non-profit organization in Canada that provides shampoos and conditioners will wash away most of the accumulated hair pieces made of human hair for children suffering from hair loss synthetics and petro-chemicals that have been built up in the hair due to medical conditions including cancer, lupus, and alopecia. The ultimate satisfaction for Carlo and Tina is seeing the smile on from years of using chemical hair products. the faces of children when they look in the mirror to find that they Only natural skin care products are offered at Transitions Studio. look like themselves again. One of their most sought-after products is their mineral makeup line. Not only does mineral makeup give the wearer a natural translucent The mission of Transitions Studio is to provide clients with a glow, but it is made of all-natural non-micronized minerals, which healthy, safe, and tranquil experience, which becomes apparent nourish the skin as the makeup both camouflages imperfections and from the moment one walks into the salon to the end of the visit. Its protects from harmful UV rays. Unlike traditional makeup, mineral inviting atmosphere urges people to take the rewarding step toward makeup does not contain any chemicals, synthetic dyes, fragrances, experiencing a “transition” of their own. talc, alcohol binders, or preservatives. As it is non-comedogenic and The Silver Journal

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Till August 30th Featuring the work of

Ken Cosgrove

Artscapes Gallery And Custom Framing Serving the Niagara Area with one of a kind unique artwork and framing designs not available in big box stores.

Niagara’s Bounty

Beyond Strewn

In House Artists Include:

Alexander Rasmussen Beverly Barber Jerry Manco Sheila Krack

Apple Fence

Darlene Monroe Norbert Collins Shelley Szczucki

Visit the website and join facebook to follow along with the happenings at Artscapes!

Stop by for a free quote and design for your art! Monday - Friday 10:00 am - 5:30 pm Saturday 10:00 am - 4:00 pm • Sunday Closed Parking In Rear

“we understand the art of framing”

artscapes gallery C U S TO M F R A M I N G S T U D I O

150 ONTARIO STREET • ST. CATHARINES • 905.685.1421 • artscapesgallerycanada.com

Fine Wines

Fernando De Moura

F

ernando De Moura was born in Madeira, Portugal and is the founder of the De Moura Winery Way and head of the De Moura family. Their line of fine wines is uniquely named after members of their family. With this, they are able to share a little piece of the De Moura family with each of you. Old World traditions from the Portuguese archipelago of Madeira Island with New World craftsmanship and quality from Niagara-on-the-Lake. These were the groundwork that influenced the De Mouras when founding The De Moura Winery Way.

given to the production of their fine wines at every step of the wine making process. From planting new vines in the spring to harvesting from mature grapevines in fall by hand, to processing and racking of wine in real Canadian, French and American Oak barrels in their barn – they make sure that the wine that reaches your table is the most flavourful, highest quality wine you’ve ever experienced.

The De Moura commitment to outstanding quality is shown in the following wines. The 2007 Dref Cabernet Sauvignon is dark red with aromas of red berry fruit. It is medium bodied, having aged in new Everything from growing grapes to bottling French and American oak, producing wine takes place on their 10 acre vineyard excellent character. The 2007 Mélange de and winery in Niagara-on-the-Lake. This Frederick is a blend of Shiraz and Merlot, way, they ensure that meticulous care is this assemblage has pronounced blackberry

and cassis aroma with a hint of spices. It is full bodied and mouth filling with subtle tannins from 24 months of maturation in French oak barrels. The finish is pleasant and persistent. The 2008 Liew Chardonnay is full of aromas of fruit and melon and hint of spices. It is delightfully full bodied and mouth filling with a lingering finish of subtle oakiness. Come and visit De Mouras Winery Way as they have plenty of premium wines starting at $12.95 per bottle. To discover how to pair these wines to food and cheese, visit their website at: thedemourawineryway.com. The De Moura Winery Way – bringing you the tastes and traditions of Madeira Island wines from Niagara-on-the-Lake. The Silver Journal

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Homegrown Proud Canadians

F

rom Daddy Warbucks to Puff Daddy, from saddles to satellites, from 1921 to 2012 members of our family at Hartleib Hopkins Colton have been serving St. Catharines / Niagara in the painting and decorating world. Our customers appreciate, what now has become less significant in a fast food, fast paced world, experience and quality. Trying to find a salesperson is never an issue, wondering if they know what they’re talking about is never an issue and personalized service is our mantra. We are also homegrown proud Canadians. Whether you purchase Para Paint, Levolor Blinds, Eclipse Shutters, Hunter Douglas Blinds or Draperies 90 % of what we sell is made in Canada. Try that at a big box store.

Bill Hartleib

Large corporate stores need to sell you warranties. When you make your purchase from Hartleib Hopkins Colton your warranty is us. Along with our suppliers, we don’t just treat you nice when you’re buying, we take care of you if something goes wrong with your purchase or service. If you have a problem, you can walk into our store and deal with an owner who can make decisions on the spot. Not surprisingly, most of our business is repeat customers or referrals.

and participate in fundraisers to aid other charities. Pricing? We constantly shop for the best deals for our customers and pass them along. These are tough times and every penny counts. Whether home or office, fixed income, reduced budget, or money to blow we can fit your needs and do it with a high degree of style. Our staff consists of Gerti Jacobi, a professional colour consultant, Bernice James Walker, a professional experienced window treatment consultant, our window treatment installer Greg Luff and Henry Colton’s great great grandson, our master tinter Jeff Pahl.

Our grandfather Henry Colton in 1921, our fathers Charlie Hartleib and Martin Hopkins after World War II through the 70’s, instilled in us a sense of community and service, loyalty and trust, and hard work. We, Bill Hartleib and Martin Hopkins II, support local charities such Come in and see us. You’ll be glad you as Habitat for Humanity with product did. The Silver Journal

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Y ou r sou rce fo r h ea lt h y liv in g a n d g reat food! Living healthy means eating healthy – but the challenge can be finding the right sources, for everything from fresh local and organic produce, to drug free-meats and poultry to a full selection of vitamins. The good news is, you don’t have to look any farther than Commisso’s Fresh Foods at 6161 Thorold Stone Rd. in Niagara Falls. Everything you need is right there. With a Wellness Department that showcases a full range of vitamins and supplements, from fish oils to probiotics, regular, instore health-related seminars, a produce departments that features not only locally grown and organic fruit and vegetables but also live sunflower, wheatgrass, broccoli and pea shoots, a butcher shop bursting with organic meats and poultry, fresh fish and seafood and much more, Commisso’s Fresh Foods is Niagara’s favourite destination for the health conscious. And that’s not all!

Give yourself a little extra time when you come to do your shopping and stop by for a cup of tea or some fresh brewed coffee – you’ll find that getting the groceries is far more enjoyable when you’re feeling relaxed and refreshed. Why not try a smoothie made from freshly cut and frozen fruit from the produce department, with a choice of milk, almond milk, yogurt or juice? And pump up the nutrients by adding top-quality, clean protein powders, matcha green tea, greens+, or phytoberry antioxidant supplements. Looking for something a little more substantial? Watch for an expanded hot menu in the bistro, coming soon for breakfast, lunch and dinner! Be sure to take advantage of Commisso’s Fresh Foods Tuesday delivery. Order your groceries on-line and have them delivered to your home – for just $10.00 extra based on a minimum order of $25.00. Give yourself a break from the kitchen and choose ready-to-go fully cooked meals. What could be more convenient? “Come in and see for yourself,” says Rocky. ”Commisso’s Fresh Foods is your answer to healthy eating and healthy living!”

The store’s pizza ovens and bakery shelves produce delicious breads and other treats, all made from scratch, without additives and preservatives, and shoppers can choose from an excellent selection of gluten-free products. Check out the delicatessen, where you’ll find low sodium, low fat, gluten free and locally cured nitrite free prosciutto and be sure to drop by the in-store kitchen, where Executive Chef Anthony Greco and his cooking colleagues prepare treats of all kinds.

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Over 25 Years of Service John Bauslaugh pull the panel apart, lube all of the movable parts and motors and reseal everything to ensure that when the cold winter weather hits, you will be prepared. Don Reeds and his Apple family have been serving his customers for over 25 years and have earned their respect and trust. So visit Don at Apple Auto Glass on 17 Secord Drive or call the shop at 905934-3373. You can also visit www.appleautoglass.com. Apple Auto Glass is the pick of the crop, quality to the core and integrity is job 1.

TOTAL A u to R e pa i r

“Having a stone chip in your windshield repaired is often much more affordable than people think,” explained Don Reeds, owner of Apple Auto Glass at 17 Secord Drive in St. Catharines. “If your auto insurance includes glass coverage, the repair could be free. The cost of a replacement will largely depend on the type of windshield your vehicle requires. Since there is a large range of vehicles driven on Canadian roads, the range of costs varies as well with each vehicle. Once we know your vehicle’s make and model, we will be able to provide you with a free estimate quickly and easily.” Whether you have a small stone chip that needs to be repaired quickly or a cracked windshield that needs to be replaced, they’ll make sure it’s done properly. Their trained and licensed technicians will ensure that your windshield is the key safety component it was designed to be. Windshields are just the beginning of what Apple Auto glass can do, they also ensure your backglass and doorglass are repaired and functioning properly, two extremely important safety features of your vehicle. They can also provide you with a variety of aftermarket car and truck accessories and specialized products, everything you need to make the most of your vehicle. From bed liners to bug guards to sunroofs, ventvisors, window tinting to headlight restoration and installation of headlights, Apple Auto Glass has got you covered. You will also find that Don and his expertly trained staff can offer custom upholstery work, convertible tops and other services that provide the protection you need for your vehicle. Come in for a maintenance package tune up for $100 and we will

Complete Car Care for All Makes and Models Dave Bogusat 69 Eastchester Ave. St.Catharines, ON L2P 2Y6

905-682-3928 www.totalauto.org [email protected] Our Services:

Air Conditioning Services & Repair Alignments ( 2 & 4 wheel ) Annual Truck & Equipment Inspections Brake Services & Repairs Electrical Diagnostics & Repairs Fleet Maintenance & Repairs Fluid Flushes Fuel Injection Diagnostics & Repairs Light Duty Trucks Muffler & Exhaust Repairs Preventive Maintenance Suspension Chassis Repairs Transmission & Drivetrain Repair Vehicle Safety Inspections Welding & Fabrication The Silver Journal

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Different.. Unique.. Exotic!

FASHION JEWELLERY PEARLS HATS HAND PAINTED LEATHER BAGS BATIK WALL PAINTINGS BEADED TAPESTRIES SILK AND COTTON BEACH WRAPS

GIFTS . . .

The Ultimate in Retail Therapy! MON-FRI 10AM-6PM • SAT: 10AM-4PM • AFTER HOURS BY APPOINTMENT 132 GEN-LAKE PLAZA • LAKESHORE ROAD • ST CATHARINES • 905.397.1104 • WWW.HIBIZCUS.COM

Family Owned Since 1957 John Bauslaugh

Choosing the right headstones or grave markers as a memorial for your loved ones can be overwhelming. Barber Monuments have simplified it for you at their facility at 120 Bunting Road in St. Catharines. You will find their most popular models of headstones and markers in both granite and bronze, custom vases, statues, companion monuments, cremation items and more. They can truly personalize your loved-one’s memorial with any design you may have in mind. Barber Monuments is family owned and has been operating in the Niagara Region since 1957. They are here to help you every step of the way in choosing the perfect tribute for your loved-one. It is their mission to help you in this time of need. They promise to provide attentive, caring service at a fair price. They can work closely with your church, temple, cemetery and funeral home to help lift the burdens from your shoulders. Wendy Barber does all the layouts and proofs for the stones and markers as she is an intricate part of the work that they do. They have hundreds of designs to choose from and engraving can be done in many different languages. In your time of need, please visit Diane Taylor at Barber Monuments or call 905-684-7913. She’ll be more than pleased to guide you through every step of the process.

A unique floral experience Bringing beauty to your home, office, occasions & life moments

Our contempory flower market, walk-in cooler and gorgeous view of 12 Mile Creek will make your experience one-of-a-kind Fresh flowers hand delivered daily worldwide, 100 % satisfaction guaranteed!

210 Martindale Rd St Catharines ON, L2R 6P9

905-688-8840 www.beattiesfloral.com

MON - FRI 8:00am - 6:00pm SAT 7:30am - 4:30pm SUN 10:00am - 2:00pm

The Silver Journal

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Niagara Region’s Country Fresh Cleaning Services bonded and insured cleaners help you free up your afternoon. Don’t spend your day off cleaning. Instead spend it running errands, shopping, visiting family, or simply relaxing. Leave the mess to them.

C

ome home to a sparkling clean house after a long day with the help of Country Fresh Cleaning Services. Specializing in homeowners, Veterans Affairs clients, and homes with pets and smokers, Country Fresh can provide a variety of customized cleaning packages. They offer weekly, bi-weekly, and monthly services. Their janitorial work is offered seven days a week. Let their professional

With so many years in the business, Country Fresh has generated numerous repeat customers. They have formed a strong bond between all their clients. They know just who to call for a thorough, no-hassle Only the safest, cleaning products are used cleaning. Their reputation fuels countless during their cleaning and janitorial services. word-of-mouth referrals. Country Fresh They understand that you want to keep your Cleaning Services looks towards the future family protected. Both from germs and with the hopes of continued success and an bacteria, and also from harsh chemicals. At ever-expanding clientele. Country Fresh Cleaning Services, all their products are environmentally safe. They use Contact Country Fresh Cleaning Services for only Murphy oil soap or mild soap known as your free estimate by calling 905-358-7227 Hertel . and ask for Heather. Remember, they’re cleaning the entire Niagara Region. Homes with pets and smokers offer a harder challenge when it comes to cleaning. They specialize in these particular homes, tackling everything from lingering odours to stubborn stains. Their crew comes supplied with deodorizers and heavy-duty stain fighters.

Casual & Comfortable Clothing

. . . for the young and young at heart! Come in today and find something unique from our

Fall and Winter

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905.835.5024 Mon. - Sat. 10am-5pm Sun. Noon-4pm

18 | The Silver Journal

John Bauslaugh

Regular, Plus & Petite Sizes

Visit the Sliversmith Brewing Company

T

he industry of craft brewers started to build 20 years ago. At that time, not many people thought craft brewers would survive. Instead they thrived. People got excited about them. People started looking for things that are different in beers, not just global brands. Consumers wanted something with more distinction, more character, more of a story behind it that separates it from other products.

John Bauslaugh

home to dozens of wineries, but there wasn’t a brewery. So they partnered up and created Silversmith Brewing Company. The first order of business was to find a location. They renovated the Old St. John Anglican church on 1523 Niagara Stone Road in Virgil. Built in 1894, the building is ideal to house the brewery. I visited the church and it has a quaint atmosphere. The bar was build with the beams from an old barn in Virgil, the walls are brick, and it has the original pine floor. The church still has its unique window style that Well, I found a new one and its adds a certain eloquence to the home is here in Virgil. place.

“Schwarzbier” in German. “We brewed these two beers to Old World standards with the finest ingredients. Both our breakfast style of Hefeweizen and our Black Lager contain only the four things integral to making beer: water, malt, hops, and yeast. The refreshingly unfiltered wheat ale delivers a distinctively smooth flavor “ explains Matthew, “and the black beer is a deep black colour with full chocolate and coffee flavours, yet is crisp and refreshing like a lager should be.”

Silversmith Brewing Company Meet Matthew Swan and Chris The second order of business started selling their beer with Pontsioen. Two people that was to find a brew master. Now great success in Toronto, worked together at Outward enters friend number three, London, Stratford, Kitchener Bound Canada for ten years. Dan MacKinnon. Dan has a and Beamsville and has won two They became close friends, rock Masters in Science in Brewing awards for their Black Lager. So climbing partners and traveled and Distillery from the Heriot- the next time you’re thinking to many destinations around the Watt University in Edinburgh, of a wine tour, I suggest you world. Scotland. Dan started brewing stop by the Silversmith Brewing two types of beers for Silversmith Company or give them a call at Matt and Chris realized that A Bavarian styled breakfast 905-468-8447. Niagara-on-the-Lake was wheat beer and a black lager, or

New Menu Items Lunch Specials

1494 Niagara Stone Rd. Virgil, ON L0S 1T0 (corner of Four Mill Creek Rd. & Niagara Stone Rd.)

905-468-0045

Home-Style Cooking

1 pc Fish/Fries/Coleslaw Shawarma Beef Shawarma Chicken Souvlaki Chicken Kafta Beef or Kabab Falafel 100% Vegetable Fajita Chicken Donair or Gyros

$6.49 $5.99 $5.99 $5.99 $5.99 $5.99 $5.99 $5.99

Breakfast Specials Two Eggs, 2 Bacon or 2 sausage and Texas Toast

$2.99

Pancakes

$3.99

Waffles with Topping

$3.99

Daily Specials

& Much More

HOURS Monday - Sunday 6:00 am - 6:00 pm

Wella nd Av Page St

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Selling Things…What You Should Know Leon Perel Forum Antiques - Leon Perel (Certified Appraiser CPPAG) 1547 Niagara Stone Road , Virgil (905) 321-1918 • [email protected]

HENDERSON’S PHARMACY

I

get questions daily from people with items to sell, be it one or an entire estate, about value, how best to sell and avoid rip-offs.

Let me give you some food for thought. In a house, the most valuable thing is the house. In most homes the “second hand” value of the content is worth less than $5,000. Why? Because items you purchase for your use or decoration do not add value. They are like a car losing value the day you drive it off the lot. So, what are the items that do keep or increase in value? All items in demand by present day fashion, as well as rarities, unusual items, some collectibles and works of art. To find out which are these items, it is wise to have a reputable and knowledgeable appraiser sort out and valuate things before you start the selling process. When you know, you make better decisions. In the era of the Internet there are no secrets, everything is available to everyone worldwide, and only quality and excitement leads to good prices. Items in demand today are fine wooden furniture, items such as 1880’s East Lake, Duncan Phyfe, Art Deco and Contemporary Design. Also on the rise are: coins, military, watches, autographs, documents, corkscrews, and even early electronics. The good thing is: that with very different taste and demand today the world is your buyer. A special section should be made for coins, jewellery, watches and other gold and sterling silver items. If an item is not sellable because it is out of style, used up, or damaged, then it is worth it precious metal value. As a collectible or jewel it should sell at an adequate value. Please feel free to come by, send pictures, or call for information.

22 | The Silver Journal

905-227-2511 Senior’s Day First Wednesday of every month 20% off Reg. Prices

. Free Delivery . Large Selection of

Home Health Care Products Hours Of Operation

Mon-Fri 9am to 9pm Sat 9am to 6:30pm Sun 10am to 5pm

15 Front St.S,Thorold

www.hendersonspharmacy.com

Why and How Today’s Seniors Buy Real Estate Glenn Betts has a 30-year background in real estate sales with extensive experience in writing for real estate, fundraising, and a variety of other businesses. Here’s what he has to say about what type of real estate seniors are buying. Not too many years ago, selling to seniors meant finding “senior housing.” That generally meant a “scaled-down” home that offered low maintenance, all-on-onefloor living, and close proximity to medical services. But seniors have changed. While a few may still follow the old pattern, for the most part, today’s older set doesn’t want to retire to a box. They have no intention of spending their days watching TV and going to doctor’s appointments. They may want a low maintenance home because they have too many other things to do. They may also require a home with ample parking and lack of covenants and restrictions - so they can park a large mobile home during

John Bauslaugh

the months when they’re not traveling.

to 5 grind,” they’re ready for new adventures.

They may want to move to be near grandchildren. But if they don’t, they may need a multi-bedroom home because they anticipate having their children and grand-children as visitors on a regular basis.

We treat our senior clients with the highest degree of respect and continually ask them about their goals and their plans, along with finding out what benefits and features are most important to them. Once we have collected all the information we can make suggestions and give advice based on what they tell us. For instance, if they plan to spend time traveling, you might recommend a gated community with security rather than a secluded location - for the safety of their home while they’re away.

Today’s seniors may want to live near a golf course, a pool, a health club, or a mall. They may want to choose a community with plenty of opportunity for volunteer work. They may prefer to be in an area that offers a wide choice of fine dining opportunities, the theater, with easy access to shopping. They may even want a location where they can operate a small business - either from home or close by. Some have dreamed of a home business for their entire “working life” and finally have the freedom to go after it. The difference is that people are staying healthy longer. Retired people aren’t finished having fun, but instead may just be beginning to have fun. After years of being tied to the “9

Buying a residence as a senior citizen can be both exciting and daunting. The excitement stems from anticipating new beginnings in a fresh environment. It can be daunting because there are so many types of Senior Residences, finite resources and sometimes emotional hurdles to overcome. Knowing how to best serve home buyers, sellers and investors at all stages of life is another way Glenn Betts adds value to each real estate transaction.

Gold Group Realty Inc. 391 Vine Street • Unit One • St. Catharines  905-641-1700 Office • 1-888-641-1515 Toll Free • 905-641-2037 Fax

Your Key To New Beginnings 18 TRELAWNE

Walkers Creek Bungalow

Great solid brick bungalow located in sought after north end near Walkers Creek. 3 bedrooms, two baths, eat in kitchen and large fenced yard with garage and paved drive. Close to schools and park. Clean and well kept. Perfect family home. List Price $242,000.

BILL STEPHENS

Sales Representative

289 407 4994

www.goldgrouprealty.ca

40 YATES

3 Bdrm Brick Century Home

Gorgeous 2 story, 3bdrm brick century home in sought after historic downtown neighborhood. Recently remodeled with modern flare. Brand new Scavolini kitchen with built in beverage centre, Thermadore oven and warming drawer, 2nd built in AEG oven and Stove top with marble counter top and center island and heatedfloors. List Price $499,900.

SAVANNAH BONN

Sales Representative

905 321 3612

4305 SIMCOE ST.

“The Blue Gables” B & B

Absolutely stunning and immaculate B & B (Bed and Breakfast) property known as “THE BLUE GABLES”. The Blue Gables boasts 100% occupancy during the season through the internet and is built on an international clientele. Approx. 4800 sq ft with 7 bedrooms and 8 bathrooms. Attention to detail is displayed throughout the B & B.

MARIO DE LUCA

Sales Representative

905 246 7355

5119 CANBORO RD.

3 Bdrm Home in Wellandport

Completely rebuilt 1700 Sqft 3 bdrm family home right in wellandport. Newly dry walled both levels; fully rewired 100 amp elec service & new breaker panel; high eff gas furnace 2010; new roof 15 yrs warranty; 3000 gal cistern water supply; 2000 Gal septic holding tank all new. Air tight woodstove in L/R. Zoned institutional. List price $179,900.

ERIC DAGENAIS

Sales Representative

905 329 0942

JONATHON E. DICK

LAW OFFICE BARRISTER, SOLICITOR & NOTARY PUBLIC

Biography J

on grew up in Niagara-on-the-Lake and currently resides in St. Catharines. He obtained his law degree from the University of Western Ontario after graduating from Niagara University with first class honours. Jon has practiced law for over 15 years, servicing clients throughout the Niagara Region.

• WILLS • ESTATES • REAL ESTATE • CORPORATE • COMMERCIAL • POWERS OF ATTORNEY

Hours: Monday to Friday 9 a.m. to 5 p.m. Evenings, Weekends And House Calls By Appointment

He specializes in the areas of Wills and Estate Planning, Real Estate, and Corporate-Commercial law. He is also a former board member and vice chair of the United Mennonite Home, a longterm care facility and seniors’ complex in Vineland. In addition to his law practice, Jon also sings professionally as a baritone soloist with organizations in the Niagara Region and beyond. He has appeared locally with Choralis Camerata and the Niagara Symphony, and has performed solo opera roles with Toronto Operetta Theatre, Opera in Concert and Halifax Summer Opera. Jon has always had an interest in seniors and their special and diverse needs - whether it be advising on Wills with provisions for children and grandchildren, to more complex Estate Planning including provisions for children with special needs, to “Living Wills” addressing terminal medical conditions, or multiple Wills for dealing with shares in private corporations. Jon offers his initial consultation free of charge to answer any questions or concerns that you may have. He is also sensitive to clients’ diverse financial situations and is open to customizing payment plans that suit individual needs. Jon would be happy to meet with you either at his office in St. Catharines or in the comfort of your home.

149 Welland Avenue • St. Catharines • 905.988.9900 • Email: [email protected]

A Multi-Discipline Tack Shop

John Bauslaugh and Excel. His western saddles are made by Billy Cooke, Circle Y, Reinsman, Abetta, Colorado Saddlery and others. Everyone has a little country and western in them and here you will find cowboy boots, hats, western clothing, gloves, scarves, jewellery and more. Their boots are from Justin, Canada West, Abbilene and Old West, while the hats are from Bullhide, Renegade, Bailey and Akubra. HorseWorld has a large selection of Wrangler riding jeans. They offer various health care products for the horse and dog. If they don’t have a certain item in stock, Breck can get it for you. Plus, his customers can purchase gift certificates or choose from hundreds of items on his website: horseworldemporium.ca.

As Niagara’s most versatile tack shop, HorseWorld Emporium also operates a 1,000 square foot leather shop where Breck’s staff can repair, make and personalize all kinds of leather projects. Here, customers can choose from English bridle leather, Latigo, garment met with Breck Foerstner, the owner of HorseWorld Emporium leather or different weights of harness leather. HorseWorld can also in St. Catharines. His fascinating background in business and provide brass hardware, as well as nickel plated rings and buckles farming explains his love for horses and why he purchased the for their custom jobs. There is also a well stocked consignment HorseWorld Emporium in the mid 1980’s. He did so, to share his section. wealth of knowledge with the horse world and also to continue his own love for the animal. HorseWorld is a full service tack shop, As for Breck, he is also known as a barefoot trimmer for horses. offering old fashioned service to a local and international clientele. A craft that takes many years to perfect. Breck says, “We want to make our customers happy and satisfied.” “At this time, I was looking for a challenge,” Breck explained. “Our emporium has turned into everything I could have asked for and more.”

I

Breck was taught how to ride horses by Ex-German Calvary Officers. He then went to school in the United States and road herd in Oklahoma. From there, he progressed through many different stages in his life, including working as a sales manager for Bell Canada. He then became sales manger for a grass seed company. From there he became a turkey, poult, hatching egg sales person. He started his own turkey breeder farm in the 1970’s and produced hatching eggs. He was soon put in charge of the European operation of Ralston Purina’s turkey and poultry division. During this time, he helped design breeder farms in Hungary during the Russian occupation in the 1970’s. He then returned and bought his second farm north of Guelph in the early 1980’s. It was a turkey hatching egg production facility along with cattle and a sow operation. Unfortunately, after ten years, Breck suffered a serious car accident which forced him to sell his ranch. When he sold the ranch he bought a bankrupted travel agency in St. Catharines. Once taking ownership, he built the agency into the number 2 position in the Niagara Region. When the previous owner of HorseWorld decided to close the tack shop, Breck saw this as an opportunity to get back involved with his original love of horses. HorseWorld Emporium stocks a huge selection of saddles and tack items for both the equestrian and western horse rider. For the equestrian, Breck has saddles made by St. Lourdes, Courbettte

Williams Kool Heat offers a wide variety of repair and installation services for all your HVAC needs including: •Emergency Repair Service to All Makes & Models •Furnace Repairs •Central Air Conditioning Repairs •Furnace Replacement Installations •Central Air Conditioning Replacement Installations •Humidifiers •Air Cleaners •Water Heater Repairs •Water Heater Installations •Annual Preventative Maintenance

289-820-5665

[email protected]

www.williamskoolheat.ca

Downsizing From the Family Home John Bauslaugh

TEAM EXCEL

Sheila Corriveau, Broker ASA and Carly Corinthos, Sales Representative, SRES from Coldwell Banker Advantage Real Estate Inc., Brokerage in Welland specialize in working with needs of the 55+ seniors market including helping them to downsize from their family homes to smaller, more manageable accommodations. The physical down-sizing process is by far the most daunting part of making a later-in-life move. Sheila’s and Carly’s tips and insights should help whether you’re the older adult ready to face this task, or whether you’re the adult child who has offered to help your parents with their living transition. Begin in the areas of the house that you are currently not using. Many older adults are still living in the same houses where they raised their families. In most situations, there are areas of the house that are currently not being used, like the upstairs bedrooms, the basement family room or others. Start the sorting and clearing process in these rooms because it will be least disruptive to everyday life. These areas also often contain lots of items that have not been used in a considerable length of time and that will not be missed when passed on to children, grandchildren, charity or the auction house. Begin with the large Items in each room and work your way down to the small items. The rationale for this? It’s easier to start with furniture and the bigger pieces and you’ll feel like you are making some progress. If you start with the small items, you may get overwhelmed and frustrated before you even get started. Sort the items in each room as follows. Items that you want to keep as you move forward into the later stages of your life (this includes items you are not currently ready to part with or items that you definitely know you will want to move with you to your new home). • • • • •

Items that will be passed on to family or friends. Items that will be sold via a garage sale or auction. Items that will be given to charity. Items that need to be thrown away. Tell your kids that it’s time for them to collect the things that they still have stored at your house. • Allow plenty of flexibility and time for the sorting and downsizing and trust the process. • Remember that your goal is to simplify your life. If there are items that you don’t have room for at your new place and you still want to keep, don’t forget that every community has convenient storage facilities to meet your needs. The rent is inexpensive and allows you more time to consider the items destiny. Sheila and Carly have found that these tips have helped many in the past. They hope it will help you too. So when you are thinking of downsizing, please give Sheila & Carly a call at Coldwell Banker Advantage Real Estate at 905-788-3232 and they can help you with all your real estate needs.

Proudly Presents

RETIRE YOUR SHOVEL

With Winter right around the corner look to Lookout Village for condo living at its finest. 2 Buildings set on 7 acres this unit is located in “B” building and features 2 BRs, 2 Baths, updated kitchen and LR/DR combo. Underground parking spot included along with use of sauna, hot tub, party room, outdoor BBQ area, tennis and pool.

Being offered $169,900 Call today to arrange for your tour!

PERFECT FOR 1ST TIME BUYER OR RETIREE Listed by

Sheila Corriveau

SOLD

Sold by

Carly Corinthos What a “team effort!” If you want to hire these ladies, it costs you

“Nothing Extra For The Advantage Of Two!

The Advantage Of Two: • T WO TIMES THE ENERGY • T WO TIMES THE SKILL

Two designations, one as an Accredited Senior Agent and the other as a Senior Real Estate Specialist. Two registrations with RECO, one as a Sales Representative and the other as a Broker. When you want to sell your home to begin retirement or transition into the next adventure of life – the Advantage to YOU is that Experience costs you nothing IT’S PRICELESS! Call Team Excel today!

CARLY CORINTHOS

Sales Representative SRES

SHEILA CORRIVEAU

Broker ASA

905.359.2403 905.932.1947

www.teamexcel.ca

Experience • Energy • Excellence • Honesty And Integrity

Coldwell Banker Advantage Real Estate Inc., Brokerage Independently Owned and Operated

905.788.3232

Your Key To Your New Address In Niagara!

Get the Most out of your life...Safe, Comfortable Chiropractic Care for All Ages

Dr. Driscoll Treats:

Dr. Darcy Driscoll

Any New or Chronic Back Pain

Headache and Neck Pain

Knee Pain

Foot Pain

Dr. Driscoll has been providing chiropractic care for 13 years to treat, correct and prevent pain. We are now accepting new patients at our 2 locations.

LOCATIONS

100 Fourth Ave, St.Catharines Ridley Heights Plaza (Beside Dr. Perri Family Dentistry)

We offer early morning, evening and weekend appointments.

905-684-0327 20 Regent St, Thorold

PLEASE CALL US FOR MORE INFORMATION.

905-227-2679

(across from Tim Hortons)

Book your complimentary consultation today to determine if chiropractic care is right for you. FREE Parking & No Medical Referral Needed.

COVERED BY MOST INSURANCE PLANS

TESTIMONIAL -- LEAH’S STORY I was diagnosed with Fibromyalgia and Chronic Fatigue Syndrome 20 years ago. I was prescribed standard pain medications. For many years before planning anything I would have to “wait and see how I was feeling”. While skating backwards, I fell hard and hurt my shoulder, neck and banged my head. By the time I got home, I could hardly turn my head. I tried to take care of the problem at home. However, the pain and stiffness became too severe over the next week that I could not sleep well. I was examined and xrays were taken to help diagnose my problem and to determine what type of treatment would be the most beneficial for me. Initially, my Chiropractor worked on my neck muscles and adjusted my upper back. I felt so much better and the stiffness and pain had started to subside quickly. This relief was new to me after suffering for so many years. The level of pain that I experience now has decreased immensely and I need less pain medication to function. Every day has improved significantly.

CALL US TODAY FOR YOUR APPOINTMENT AT 9056840327 OR 9052272679 CONTACT US USING DRISCOLLCHIROPRACTIC.COM

Plant & Rake Without the Ache Gardening and yard work

is deceptively strenuous. In a recent poll, 88 per cent of Ontario chiropractors indicated that working in the garden and yard were the most common sources of neck and back pain they treat during the warm weather season. To help you enjoy the fruits of your labour during this yard and gardening season, we recommend you keep these tips in mind: Stretch before you head out. Take the time to prepare your body for activity; always warm-up and cool down your muscles. Add a short walk and you’ll have topped off your routine with overall conditioning. Now you’re ready for your open-air workout. THE RIGHT MOVES Using the right moves can go a long way to enabling you to plant and rake without the ache. Positioning your body correctly reduces strain on muscles and joints. LIFT RIGHT Make sure your back is straight. And always bend your knees. Carry the load close to your body. Avoid heavy lifting immediately after bending or kneeling. KNEEL TO PLANT Use knee pads or a kneeling mat to reduce the strain while you plant and weed. Keep your back straight and stop frequently to take a break. RAKE RIGHT Ease the strain on your back by putting one leg in front, the other behind. Switch legs and hands from time to time. ALTERNATE Heavy. Light. Heavy. Light. That’s the right way to handle those chores. CHANGE HANDS Take the strain off by changing the position of your hands. CHECK YOUR POSITION And change it often. Kneel. Then stand. Or simply sit and relax for a while. THE RIGHT TOOLS Choose tools that are ergonomically designed, with padded handles and spring action. Make sure the size and weight are right for you. And always choose the proper tool for the job.

Brought to you by the Niagara Chiropractic Society Dr. Tanja Braun Smith 905-937-3148 St. Catharines

Dr. Chad Minor 905-732-4464 Welland

Dr. Raymond D'Archi 905-563-6700 Beamsville

Dr. Dennis Mizel 905-934-7776 St. Catharines

Dr. William deVries 905-684-1104 St.Catharines

Dr. Frouz Paiwand 905-468-2177 Niagara On The Lake

Dr. Darcy Driscoll 905-684-0327 St. Catharines

Dr. Albert Scales 905-935-3355 St. Catharines

Dr. Tracy Drynan 905-641-3000 St. Catharines

Dr. Enrico Schirru 905-688-5150 St. Catharines

Dr. Thomas Gadsby 905-563-8558 Beamsville

Dr. Taia Spencer-Yap 905-937-7908 St Catharines

Dr. David Leprich 905-685-6571 St. Catharines

Dr. Connie Taylor 905-688-4949 St. Catharines

Dr. Alan Ley 905-937-5042 St Catharines

Dr. David West 905-945-3731 Grimsby

Dr. Erica Mattia 905-347-2616 St. Catharines

Here are a few more tips to lighten your load: • a hose is easier to manage than a watering can • a good cart, or dolly, makes moving heavier loads a breeze • a wheelbarrow that is lightweight and has two wheels is a good idea • separate a larger load into several small ones • select comfortable, thick soled, supportive shoes • cover up with a wide-brimmed hat, wear gloves and sunscreen • use ergonomically designed, long handled, lightweight tools Don’t forget to get-up, move around, alternate tasks, repeat your stretch routine, or sit back, relax, and have a cool drink. Try not to overexert yourself, and take three brief breaks at least once every hour. Give yourself a breather ... your back will thank you! If you have back or muscle pain that lasts more than 48-hours without improvement, visit a chiropractor. Chiropractors play an important role in providing preventative education and early detection of spinal problems, as well as providing expert care for back, muscle, joint pain and injury.

For more back health information, or to find a chiropractor near you, please visit www.chiropractic.on.ca or call 1-877-327-2273.

Stamford Hearing Clinic Hearing is Happiness

HEARING AIDS

Starting At $89900 Binaurally CALL TODAY FOR DETAILS! Enjoy what you have been missing! We treat the different kinds of hearing loss, ranging from mild, moderate, severe and profound, with the expert fitting of a hearing aid. If you often ask people to repeat themselves, experience ringing or other head noises, have difficulty understanding speech or sounds when background noise is present, or have difficulty locating a sound source, call Stamford Hearing Aids for a private consultation or drop in and see us today. No appointment necessary. Walk-ins are welcome. Hearing loss Hearing loss is a condition that is much more common than many people would imagine. Hearing is not only necessary to fully enjoy and understand conversation, TV or radio, it is essential in developing speech so that we are understood by others. It is also important to your well being. Hearing loss removes you from the world around you. Hearing aids Stamford Hearing Aids fits all types of hearing aids: digital and directional hearing aids that provide enhancement to the speech sounds you have difficulty hearing, while automatically decreasing

some of the disruptive background noises. Individualized attention Stamford Hearing Aids has served the pubic since 1989. Certified Hearing Aid Specialists at Stamford Hearing Aids offer hearing evaluations within a soundproof testing booth and advice as it pertains to your individual needs. Stamford Hearing Aids can also make ear molds for water sports, musicians and excessive noise. Replacement batteries, accessories and repairs are available. Convenient payment Stamford Hearing Aids is a registered vendor under the Ministry of Health’s Assistive Device Branch

(ADP), the Workplace Safety Insurance Board (WSIB), Department of Veterans Affairs (DVA), and the Ontario Disability Support Program (ODSP). We accept all insurance plans. Three locations We have locations in $ 00 St. Catharines, Fort Erie and Niagara Binaural on Falls for your Selected Models convenience.

400 OFF

WE CAN RECOMMEND ANY STYLE FOR YOUR NEEDS Rediscover the sounds of life, with

Stamford Hearing Clinic

WHAT WE DO

• Full service hearing clinic • Affordable hearing aids available • Full audiometric testing • All make repairs • Hearing aids come with lifetime support & service • Price Match Guaranteed

111 FOURTH AVENUE

Unit 3 Ridley Square, St. Catharines, ON L2S 3P4 Phone - 905-397-0660 • Fax - 905-397-0661

www.stamfordhearing.com

30 | The Silver Journal

Niagara’s Finest!

2012

VOTED

NIAGARA’S #1 HEARING SPECIALIST

Niagara Health and Home Expo

Jon Radick

Thank you!

Sincerely,

I just wanted to thank all my sponsors,exhibitors,volunteers and attendees for helping make the Niagara Health and Home Expo an overwhelming success.

Jon Radick (President) Niagara Health and Home Expo (905) 687-0232 [email protected]

Thanks to all my sponsors including Avondale Food Stores,H2 Only, Hamilton Bulldogs, Niagara This Week, ED FM and Z101.1, Niagara Bullet News, the Silver Journal, Bath Fitter, St. Catharines Ice Dogs, St. Catharines Falcons, Healthy Beginnings Chiropractic, Niagara Inflatables and Spotlight Niagara. Thank you to the over 60 local exhibitors who placed their trust in my company that we would deliver a quality show that would attract a large number of attendees. Thank you to the many volunteers who helped me to organize and run the expo. A sincere thank you to everyone who attended. Please call or email me about what you would like to see for the next show in May 2013. A special thank you to my web designer Amanda Bergsma.

Total Car Care. Total Customer Care. OIL CHANGE

5

$

off

GrEAT SAvINGS *

Oil Change Service includes:

• New oil filter • Check underhood fluid levels • Change engine oil *Discount off regular price. Consumer pays all tax. Most vehicles. Coupon required at time of purchase. Not valid with other offers. Valid at participating locations listed below. Void if sold, copied or transferred and where prohibited by law. 387 ONtariO St. St. CatheriNeS 135 hartzel rD. St. CatheriNeS expireS 12/31/12

10 Off $20 Off $30 Off $

*

All services over $100

All services over $200 *

All services over $300

*excludes tax. excludes tires and batteries. Discount off regular price. Consumer pays all tax. Most vehicles. Coupon required at time of purchase. One coupon per total invoice. Not valid with other offers. Valid at participating locations listed below. Void if sold, copied or transferred and where prohibited by law. 387 ONtariO St. St. CatheriNeS 135 hartzel rD. St. CatheriNeS expireS 12/31/12

Offers valid only at Midas locations listed. See manager for details. © 2012 Midas Canada inc.

387 OntariO St. 905-684-8741

*

135 Hartzel rd. 905-688-6011

Dundee Wealth Jim Morrison My name is Jim Morrison and I have been an Advisor in the Investment Industry for 35 years. I have covered all facets of the industry. It has been a few years since my TV and Radio shows were on the airwaves. I would approach different subjects and answer the questions that are important to my clients and all of you striving to understand your future and current needs. As Senior Investment Advisor at DWM Securities Inc. and an Insurance Representative with Dundee Insurance Agency Ltd, I have the ability to work on a personalized platform utilizing a holistic approach to growing your entire net worth using Estate Planning & Wealth Transfer, Tax Savings, Retirement, Mortgage Service/Debt Solutions, the list goes on. I have spent my career specializing in and ensuring that my client’s money outlives their needs, instead of my client’s outliving their money. Through proper techniques and saving strategies, along with carefully partnering with other industry specialists; your needs can be taken care of to your satisfaction.

questions I receive from you. My goal is to help educate and dispel some of the worries and concerns that you have. A few questions are: Can I save taxes through my investments? Is Real Estate counted as part of my portfolio? Can we have an RESP for our Grandchildren? How do I equalize my estate between heirs? Please contact my Team with your questions so that we can start an open line of communication to achieve your goals and grow your net worth together. James R. Morrison Senior Investment Advisor Director, Private Client Group DWM Securities Inc. (905)937-0962 See Ad on Page XX

With such uncertain times, over the coming months, I am going to be touching on subjects that concern my own clients as well as the

James Morrison *Retirement Planning & Saving Strategies *Estate Equalization & Wealth Transfer Senior Investment Advisor *Tax Sheltering/Deferring/Efficiency *Debt / Budgeting Solutions*Mortgage Services Director, Private Client Group *RRSP; Spousal RSP; RRIF; Spousal RIF; LIRA; LIF; TFSA; Canadian & US Accounts DWM Securities Inc. *Stocks, Bonds, Tax Shelters, Mutual Funds, Money Market, GIC’s, USD, Gold Certificates Insurance Broker *Life Insurance, Group Benefits, Disability, Critical Illness Dundee Insurance Agency Ltd

Lawyer

Accountant

Mortgage Specialist

Life Insurance Speicalist

Trust Agents

Memorial Home

You will have access to our full Team of Professionals to help guide you on your journey to build and secure your net worth and set you on track to meet your needs and ensure that your money out lives you, instead of you outliving your money. 284 Geneva St. Suite 6, St.Catharines, ON. L2N2E8 (905) 937-0962/1-888-568-6893/fax: (905)937-9268 [email protected] Jaclyn Morrison Investment Advisor, DWM Securities Inc., Insurance Broker, Dundee Insurance Agency Ltd Diane Labrie Executive Assistant DWM Securities Inc., Member-Canadian Investor Protection Fund, is a DundeeWealth Inc. Company

32 | The Silver Journal

Integrated Health Care & FITNESS STUDIO A F U L L S E RV I C E H O L I S T I C H E A LT H C L I N I C

Be Happy

•

Be Healthy

•

Be Whole

We Offer Services In: • ACUPUNCTURE

• HOMEOPATHY

• EXERCISE PROGRAMS • MASSAGE THERAPY Boot Camp Core Training Pilates Weight Training Yoga

• NATUROPATHY • PERSONAL TRAINING • SHIATSU THERAPY

All of our practitioners are qualified and registered in their area of training Clinic Staff: Naturopathic Doctor ......................... Tara Clapp, ND Shiatsu Therapist ............................... Jason Hookey, CST Registered Massage Therapists ........... Alexis Verdile, RMT

......................................................... Teresa Carlone, RMT Personal Trainer ................................. Kate Profjit-Fazio Homeopathic Doctor .......................... Ashley Guite Fitness Staff: Rose Jaekel Monique Idzenga

Mary Di Giorgio Kate Profijt-Fazio Cody Kent

Let Us Help You ~ Seniors Welcome

Talk to us about all your health and fitness needs! Visit our website for promotions news and booking information

• Revitalize • Restore 577 Ontario St. • St.Catharines • 905-988-9160 integ ratedhealthca re .ca Rebalance

St. Catharines’ War Memorials

S

t. Catharines is home to eight War Memorials, dating as far back as 1886. As the Town of Merritton, Village of Port Dalhousie and Grantham Township were incorporated with St. Catharines in 1961, so too did their war memorials. Over the last several years much work has been done to research their history, and to assess and plan for needed repairs. Community support has been strong for the preservation of these Cenotaphs, which honour the men and women who have stood for our freedoms over generations. The word “cenotaph” means “empty grave,” and acknowledges the loss of life that is represented by these stone and metal structures. Several of our War Memorials name those who gave the ultimate sacrifice. Others simply and elegantly recognize the conflicts that have been fought by local men and women. The front doors of City Hall are surrounded by elegant bronze plaques that serve as our Honour Rolls, with the names of men and women who gave their lives in the First and Second World Wars and the Korean War. Another plaque at City Hall’s main entrance commemorates the St. Catharines recipients of the Victoria Cross, the highest decoration for valour in the British Empire. Private Alexander Watson died during the Northwest Rebellion, and community sentiment was such that funds were raised to erect the figure that now graces the front lawn of City Hall. The oldest monument in the collection, Private Watson also honours those from St. Catharines who were lost in the Second Boer War. Merritton (Merritt Street) and Port Dalhousie (Ann Street) each have beautiful Cenotaphs built circa 1921, and it is believed their statues were carved by artist Emmanuel Paul. These Cenotaphs have been recent greening projects of the St. Catharines Green Committee and are now surrounded with beautiful, new landscapes. The grounds of Victoria Lawn Cemetery house the Grantham Cenotaph and the Korea Veterans Associations Memorial. Also in the cemetery is the 10th Field Battery R.C.A. Memorial, built circa 1965, and the Royal Canadian Legion’s Monument, built in 1990. The largest monument is the St. Catharines Cenotaph, located in Memorial Park, on what is now referred to as Veterans Way (St. Paul Street West). Unveiled on August 7, 1927, the first wreath was laid by His Royal Highness, Edward, Prince of Wales, who made a brief stop at the ceremony as he travelled through Niagara. At the time, the monument was a tribute to the memory of the 300 St. Catharines men who gave their lives for the British Empire in 1915-1918. Today, it also commemorates World War II, the Korean War, the United Nations Peacekeepers and the Canadian Merchant Navy.

34 | The Silver Journal

This fall community members will see work begin on two of our memorials: the Port Dalhousie Cenotaph and the St. Catharines Cenotaph. In July 2009, a heritage conservator was hired by the City of St. Catharines to evaluate the condition of these memorials. His report revealed that the St. Catharines Cenotaph is in need of significant restoration. The repair of this Cenotaph is a complicated affair, and this fall a team will temporarily remove its top to review the interior condition of the monument. Last year, the eagle eyes of Port Dalhousie Legion member Brian Bowman espied space beneath the Port Dalhousie statue, and a quick investigation confirmed that the statue is lifting off its pins and will require re-installing. This work is set to take place this fall, and the Royal Canadian Legion, Port Dalhousie Branch 350, is set to contribute to these repairs, matching a requested grant from the Minister of Veterans Affairs as well as City funds. The costs to repair the St. Catharines Cenotaph are estimated at $200,000 or more, and to meet this goal, fundraising projects have been underway since 2010. On May 12, 2010 the City of St. Catharines hosted a concert by The Stadacona Band of Canadian Forces Atlantic that celebrated the Canadian Naval Centenary. The concert had over 300 attendees and raised $3,000, thanks to generous contributors in the community. Significant contributions have been made by the Royal Canadian Legion Branch 24 ($10,000) and the Royal Canadian Legion, Polish Branch 418 ($3,000) in support of the Cenotaph’s restoration. Other community members have also stepped forward and the total raised to date is $17,000. These funds will be used to match a grant request to the Minister of Veterans Affairs, as well as funds from the City’s capital budget.

Community members can expect to hear more about these projects in future. If you’re looking for a worthy project for your donations, consider the needs of St. Catharines’ historic monuments. Their preservation ensures that Canada’s story of valour and sacrifice is shared with future generations.

VICTORIA LAWN CEMETERY Beautiful, centuries old trees and wide green spaces mark the rich history and natural setting of Victoria Lawn Cemetery. A part of our community for over 150 years. Victoria Lawn Cemetery serves as a peaceful and pleasant final resting place for people of all religious denominations and cultures.

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Never Too Late To Live Your Dreams Maureen Sherman

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my mind became clearer and I imagined new visions for myself. One day, a dream I had long forgotten to have my own business was unearthed out of the blue which was born out of my physical need to ensure I didn’t overwork my body in its healing process. I The end of the road became the beginning had come to realize I needed to be conscious of the key to my current healthier lifestyle at all times of my limitations on all levels on every level. I began to listen to inner since this was one of the key problems in leadings, to move in different directions and why I had experienced two burnout phases take new actions which sometimes seemed in my career life. very foreign. I soon began to experience positive changes that seemed perfect for my As my health increased so did my dream and lifestyle and needs. At the time I constantly at 51 I stepped out of my comfort zone and reminded myself of my one vision to have became Niagara Regions first Life Coach as a a stronger healthier body no matter what I Wholistic Lifestyle Consultant. Today I have designed a unique and powerful process had to do to get it. to assist others in living in wholeness and With some trial and error I gradually learned reviving/designing their dreams. Since I My days were constantly consumed with how to not only take my life back initially in learned it’s never too late to live a dream. a mentality that it was too late to turn the terms of my physical health but also in terms So get that drawing board out and unearth physical issues around or to unravel the way of my mental and emotional health since I those dreams. I reacted to life emotionally and mentally I always knew that I was a whole being with a If I can go against the odds so can you! was a total and dismal failure. In spite of a body mind and spirit. lot of inner work I believed I was incapable Over time I began feeling better and the pain of ever sorting out so many unusual life I lived with constantly for years subsided, t was 1991 at 45 years old weighing 250 lbs. Life as I knew it was over. Multiple diagnoses, organ dysfunction, allergies, depression, chronic pain, hopelessness and consumed with fear, coping seemed more than I could handle. At 37 as my health began to decline I was forced to give up my corporate job and dependencies of alcohol, cigarettes, prescription and soft street drugs which I had relied on over the years to cope with my conflicts and confusions about life, relationships and communication. It seemed the more I tried to hide the more problems I accumulated until now my life literally had come to a dead stop. I had not yet realized that sometimes dead stop is where forks in the road of choice show up and long buried dreams are reborn.

traumas that triggered survival mode that I lived in. I waited for death as the last DR. specialist had advised me to “Make sure my affairs were in order as there was nothing he could do to help me.”

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Restoring The Beaverdams Church Joseph Cassidy

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or over 180 years, the Beaverdams Church has proudly stood at its home in Thorold. From its first days when Reverend Egerton Ryerson preached to his flock, the church has existed for roughly 65,700 days as a place of worship for the community.

“Most buildings that are like this have a friends association that does the fundraising and we are looking at getting that going,” said Bradden. “We will be looking for corporate donations and getting the community involved.

responded and about a year ago a board was formed. There are eight of us on the board and we spent the last year planning what we are going to do.

“Just recently, the City of Thorold approved the plans that Denise (Bradden) presented “This is the community’s church. I think a at the last council meeting. Now we are in a Now, a dedicated group of volunteers is lot of people are not aware of it because it is position to start raising funds.” committed to restoring the church and tucked away but it is a very important church, giving it new life for many more days and and I would like to see the community There are so many different ways of involved in the fundraising efforts. “Before contributing to the efforts in bringing the years to come. we do anything we have to raise money. We grand old building back to its glory. Now its “I saw an article in the paper about the have to get a certain percentage from grants time to get the ball rolling on restoring the need for people to form a board before they but that money is drying up too. We would historic monument that has been filled with could get going with anything to do with the love to get members of the community many generations of local families. church,” said Denise Bradden, the chair of involved in the fundraising end of it. That the Beaverdams Community Church Board. is where we need the manpower at the “We want to have a concert, trivia nights and we are looking at having a bridal fashion “I thought if I didn’t volunteer then the moment.” show in the wintertime,” said Bradden. “We church is going to fall down, and I think it is important to save it. That is how I became Beaverdams Community Church Board look forward to any ideas that brings about involved.” Bradden has only lived in Thorold member David Cowan has spent his entire more community involvement.” eight years, but she “has always loved it here” life in this community and remembers the and runs the local Morningstar Cottage Beaverdams Church from days long gone by. For more information on how to get involved Bed and Breakfast. Her commitment to the “I grew up in Thorold and have been in the Beaverdams Community Church project comes from a genuine desire to see familiar with this building since I was a kid,” Restoration Project, contact Denise at 905the church restored to its former glory, but he said. “A few years ago a call came up for 688-4841, David at 905-227-7556 or send she knows that the project will need the help volunteers with the idea to restore it because an email to [email protected]. it was getting into a worst state of repairs. I of the entire community.

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Life After The Penny (NC)—Do you remember where you were on February 4, 2013 when the Royal Canadian Mint (RCM) stopped issuing pennies? Perhaps you walked by one on the sidewalk but didn’t bother to pick it up — to your peril. There goes your chance of having a lucky day, as the old adage goes. Oh well, it doesn’t really matter now does it? Research by Desjardins Group’s economists found that maintaining the penny costs Canadians an estimated $150M a year. Thanks in part to this analysis, the federal government announced last year that it would withdraw the one-cent coin. Don’t worry though; this definitely wasn’t a case of being penny wise and pound foolish. Frankly, the penny lost its shine ages ago: it costs 1.6¢ each to produce and its purchasing power has been greatly reduced partly because Canadians have been hording them for years.

the economy in general due to the reduction in handling costs for retailers, financial institutions and consumers. As a result, the transition costs for the government to gradually withdraw the penny — which may be in the tens of millions of dollars over the next few years — will be minimal compared to the recurring annual savings Canadians will see down the line. Gone but not forgotten Although the RCM is no longer minting the penny, it will maintain its value and legal tender indefinitely. And some businesses will still accept it as a form of payment. As pennies are withdrawn from circulation, prices will be rounded to the nearest nickel for cash transactions. Non-cash transactions (debit card, credit card, prepaid card, cheque, etc.) will continue to be settled to the nearest cent.

What will the RCM do with all the lowly pennies that are returned? They will be melted down and recycled, which will create a revenue source for the government to help offset the transition costs. Great use for your old copper If you’re the proud owner of a terrarium full of pennies and would rather not roll and return the lot to your local financial institution, consider donating them to a local charity. To access additional reports like this one by the economic team at Desjardins Group, visit the Economic Studies and Publications section at www.desjardins.com.

By eliminating the coin, there will be a Don’t cry for the penny, it had a good run significant savings to the environment and

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Here is a snapshot of tips to maximize pension contributions and your Registered Retirement Savings Plans: • Individuals who are paying Canada pension plan (CPP) and/or employment insurance (EI) premiums may claim a 15 per cent federal tax credit and 5.05 per cent provincial tax credit on the amount paid. • Contribute to your RRSP early in the year. If, for example, you contribute $22,970 — the maximum possible annual contribution amount for 2012 — at the beginning of the year instead of at the end, over a 25-year period, assuming a five per cent rate of return, you would have an extra $54,800 in your RRSP. • If you are an employee who is making regular RRSP contributions, request that the amount of income tax withheld on your pay cheque be reduced in order to reflect the savings those contributions will bring. This is a more efficient way to manage your money. • You don’t have to deduct an RRSP contribution in the year it is made; instead, you can carry it forward for deduction in a future period when you have income placing you in a higher tax bracket. Be sure you have used all personal tax credits before deducting your RRSP contribution. • If you are at least 65, consider creating pension income by converting part of your RRSP to a life annuity or an RRIF if your financial circumstances warrant such a move. • Contributing to a spousal RRSP also creates potential pension income for your spouse or common-law partner. • Pension income splitting can be a good strategy to minimize overall family taxes if the spouse to whom the funds are being transferred has low, or no other sources of income.

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| 39

Calming Effect: Women Can Overcome Leading Health Threat (NC)—Chilling out can turn down the heat on incident rates of heart attacks and strokes among women, according to the Heart and Stroke Foundation. Heart disease and stroke is a leading cause of death for women in Canada, and kills seven times more women than breast cancer. Gender is also a key determinant:women are more likely than men to die of a heart attack or stroke. However, women can reduce their risk by putting themselves first and making healthy lifestyle choices. Key among them is managing stress, a difficult task for those juggling work, family and home life, says Bobbe Wood, the foundation’s president. Financial worries, project deadlines and ensuring the happiness of a child can often overwhelm us, she adds. Almost one quarter of Canadians report a high degree of life stress, states a report co-published by the foundation and the Canadian Mental Health Association. Combine this with a woman’s risk for heart attack and stroke and you have a potentially deadly duo. “High blood pressure and high cholesterol levels are major risk factors for heart attack and stroke among women. We have to take action by making healthy lifestyle choices,” stresses Wood. “Talking to your doctor and controlling these levels are essential for women to make good health last and lead long, full and vital lives.” Diet and exercise are also important influences to combating heart attacks and stroke. Wood suggests the following to put you on the right track: • three sessions of weight-bearing exercises and 150 minutes of moderate- to vigorous-intensity aerobic exercise (in minimum of 10-minute increments) each week; • seven to eight servings of vegetables and fruit each day; and • limited consumption of saturated and trans fats and sodium. Smoking is an obvious culprit. Within one year of going cold turkey, a woman’s risk of suffering a smokingrelated heart attack is cut in half. While smoking is an addiction and quitting may be difficult, with help and a plan, it may become easier, says Wood.

40 | The Silver Journal

Aside from talking to your doctor, Wood also recommends women assess their risk for heart disease and stroke by taking an online quiz at TheHeartTruth. ca/quiz.

Stay Healthy When Stressed (NC)—According to a survey commissioned by the Florida Department of Citrus, 38 per cent of Canadians rate their stress level as high. While 77 per cent believe that eating a balanced diet – with seven to 10 daily servings of fruits and vegetables can help their physical and mental well-being – 36 per cent say that stress contributes to their inability to maintain a healthy diet. This can lead to illness, another common side effect for one in four Canadians. “It’s important to maintain a balanced diet, especially when you’re stressed,” says registered dietitian, Lydia Knorr. “Citrus fruit and juice are delicious, easy to incorporate into meals, and they provide key vitamins that help support the immune system as well as overall health.”

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Smart Snacking Tips (NC)—When you’re busy and on-the-go, having healthy food choices in a snap is a must. There are a lot of snack options to choose from, but not all of them are good choices for a healthy lifestyle. The best snacks contain beneficial nutrients and ingredients you can actually pronounce. Snacks with protein and fibre and that are low in sugar will keep you energized and curb your hunger so you can avoid making poor choices later in the day. The best way to keep your snack habits in check is to know yourself. Pay attention to when you’re hungry and what you’re craving the most (sweets, salty and crunchy, etc.), and figure out some go-to healthy alternatives to fit these cravings. Then, take a few minutes each morning to pack smart snacks for the day and you’ll be prepared for when hunger hits. It’s called “smart” snacking not only because it’s healthy, but also because it’s easy, delicious and satisfying. Portable snack options help prevent crashing or giving in to poor food choices no matter where you are. Try out these tricks courtesy of the Almond Board of California:

instant oatmeal, almonds, baked chips, pretzels, dried fruit and a jar of almond butter. Add fresh ingredients such as yogurt, apples, grapes, cheese or whole-wheat toast to create a variety of snack combinations. • Seek out smart snacks on the road, such as pre-packaged vegetables and dip, edamame, fruit and cheese, baked snacks or nutty trail mixes that you can portion out mindfully. • Snack bars that use whole, unprocessed ingredients are perfect for stashing in carry-on baggage. • Bottled vegetable juices contain nutrients and fibre in a pinch; just be careful about added sugar. More information is available online at www.AlmondBoard.com.

• Invest in a reusable snack bag or resealable bags to keep a stash of your own snacks in your purse, car or gym bag. • Keep non-perishable snacks in your office or desk drawer, like

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Fraud Prevention Tips For Older Adults (NC)—Seniors are all too often the target of fraudulent phone calls and email scams. Many security experts agree that older adults can be seen as profitable targets for fraudsters – in part because seniors are often thought to have a “nest egg” and an excellent credit rating.

• Always make a list of all your card numbers and keep this list in a safe place.

What makes this even more alarming is that research shows seniors who do become victims of fraud are not telling their friends or family. This is an important step to help law enforcement catch the criminals and prevent fraud in the future.

• Always be cautious when asked for personal information over the phone when you didn’t initiate the call.

“According to a Visa Canada survey, approximately half of all seniors over the age of 65 who have been victimized by fraud do not tell anyone about their ordeal,” says Gord Jamieson, head of security for Visa Canada. “Individuals should never be embarrassed to talk to family, friends or their bank if they have questions or are worried they may be a victim of fraud.” Jamieson points out that there are many things seniors, and all Canadians, can do to help safeguard their personal information and prevent fraud. He recommends the following tips for the young at heart:

• Always create a PIN that is hard to guess (e.g. not a birthday or phone number).

• Never share your PIN – not even with family, friends or caregivers. • Never keep a written copy of your PIN in your wallet or purse. • Never lend your credit or debit card to anyone, ever. • Never agree to a “free trial” or “sample” without reading the terms and conditions. You may be agreeing to future monthly charges – which aren’t free. More fraud prevention tips can be found online at www. VisaSecuritySense.ca.

• Always treat your cards as if they were cash, and don’t leave them in places where they are easily accessible to anyone. • Always report lost or stolen cards immediately to your bank.

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Simple Airport Security Tips For Seniors travellers are also allowed to bring juice or search. carbohydrate gel packs. • You can use the Family/Special Needs • Wheelchairs, walkers, prosthetic devices security line. Screening officers at these lines and any other disability-related equipment are trained to offer additional assistance and are permitted through the security the x-ray equipment is designed for larger checkpoint. Keep in mind that prosthetic items like wheelchairs. • All prescription medications are allowed joint replacements often have metal parts – in carry-on baggage. To ensure a quick bring a note from your doctor in case your • Finally, do not hesitate to ask screening officers for assistance with mobility aids screening, make sure your medications are new hip sets off the metal detector. and carry-on items as you proceed through clearly labelled with your name. • Medical defibrillators and small oxygen or security. • Essential non-prescription medication air cylinders for medical use may be packed (cough syrup, eye drops, contact lens in carry-on or checked baggage with the air • Additional tips are available online at: solutions, rash creams, gel pills, etc.) can be carrier’s approval. www.catsa.gc.ca carried in containers larger than 100 ml in carry-on baggage. These must be given to • If you have any concerns about the m.catsa.gc.ca screening process, check with your doctor Twitter @catsa_gc the screening officer separately. before flying to determine if it is safe for you • Diabetes medications and equipment, to go through the metal detector or be handincluding syringes, are permitted. Diabetic wanded. If not, you can request a physical (NC)—Getting ready for a vacation can be hectic – especially if you’re a senior and not sure what you can bring with you in carryon baggage. The following tips can make the experience less stressful and help get your next trip off to a smooth start:

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Booksmart Reviews Dana Donovan A Prisoner of Birth by Jeffery Archer

Bell Canto by Ann Patchet

My first Archer book and I was so thrilled with the writing style and What a surprising book. A powerful businessman from South fast America has a lavish birthday party, with Roxane Cross, a famous Opera star as entertainment. Terrorists take the entire party hostage paced storyline. Just when you figure you know how it’s going and Patchet takes her story telling to the next level. Terrorists and Archer puts a twist in that get’s you guessing again. hostages start to mix and become friends, lovers, and future plans are made. My customer refused to tell me what this book was about and just promised I’d love it. She was so right! I am doing the same to you. Patchet amazingly turned a tragedy into a life changing experience. Pick it up, read it, and get hooked on Jeffery Archer. You will be kept entertained right to the last page.

The Silver Journal

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Winery Way

905-687-8086

Decorate Your Castle at Cottage Prices

Forum Antiques Appraisals, advice, buy / sell one item or entire Estates.

Art work, furniture, rare items, collections, military, jewellery, watches, coins, gold items, sterling silver. If you do not know value or where to sell, we do and we’ll help bring peace of mind.

Leon Perel

Certified Personal Property Appraiser CPPAG 1547 Niagara Stone Road, Virgil (Niagara-on-the-Lake)

906.468.2777 • 905.321.1918 (cell)

The De Moura

905-984-5660 Fax: 905-984-2148 www.wallpaperplace.ca

545 Niagara Stone Rd (Highway 55) Niagara-On-The-Lake, ON

Special Offer Appraising the content of an entire Estate or Home

$ 150 (regular $350) Some restrictions apply Expires February 28, 2012

Country Fresh

Become A Regular Customer And Receive

CLEANING SERVICES

Residential & Commercial Cleaning Services

10% off First Cleaning and 10.00 off

905-358-7227

your next three cleanings.

countryfreshcleaning.ca

Expires February 28, 2012

Receive

Hartleib Hopkins Colton

$10.00 off

43 Maywood Avenue St. Catharines

a gallon of Para Ultra Eggshell Paint

No Limit!

905-685-5688

Expires February 28, 2012

$10 off or $20.00 off .00

off any work done under $100 before tax

INTEGRITY CAR CARE

905-934-3373

135 Dieppe Road, St. Catharines, L2R 6M7

®

17 Secord Drive St. Catharines, Ontario L2N 1K9

905-934-3373

[email protected]

www.appleautoglass.com

off any work done over $100 before tax

Expires February 28, 2012

integritycarcare.ca

[email protected]

$25 off .00

off any windshield

Expires February 28, 2012

2 for 1

Receive One FREE Blizzard or Royal Treat with the purchase of a 2nd Blizzard or Royal Treat of equal or great value. 222 Pelham Rd. St.Catharines, Ontario

Cannot be used with any other coupon or promotion. One coupon per person, per day.

905-687-1130

Expires February 28, 2012

HAIRCUT

Marcie’s Unique Hair Studio

Women $36.00 Men $15.00 Children $10.00

153 Scott St. St.Catharines

905-934-8441

[email protected]

FREE Haircut with Colour or Highlights Expires February 28, 2012

[email protected]

Buona P izza 530 Scott St. St.Catharines

905-935-5353

Open: Mon - Sat 11-11 Sun 3-11

• 8 Slice Pizza • 3 Toppings on • 2 Lbs Chicken • Veggie Sticks w/Blue Cheese • 2 Ltr Pop

Each Wings

$22.99

• 12 Slice Pizza • 3 Toppings on • 3 Lbs Chicken • Veggie Sticks w/Blue Cheese • 2 Ltr Pop

Each Wings

$32.99

• 24 Slice Pizza • 3 Toppings on • 4 Lbs Chicken • Veggie Sticks w/Blue Cheese • 2 Ltr Pop

Each Wings

$39.99

Additional Toppings $1

Additional Toppings $2

Additional Toppings $3

Add Another Pizza for $6

Add Another Pizza for $8

Add Another Pizza for $12

SAVE $6

SAVE $5

SAVE $10

Buy 1 Lunch Special . . .

Get 1 FREE

85 Hartzel Road St. Catharines

905-682-3295

MONDAY to FRIDAY CouponMust Must Submitted With Order • Expires 28, 2012 Coupon BeBe Submitted With Order • Valid UntilFebruary November 30/2012

1 PC. Haddock & Chip Visit our British Corner We now carry Gourmet Indian Cooking Sauces and Chutneys

Linwell Plaza (At Grantham & Linwell) 905-937-6784

Still the Best Fish & Chips in Town!

Open for breakfast, lunch, and dinner 7 days a week. 325 Ontario Street St.Catharines, Ontario L2R 5L3

Introducing

Authentic Samosas

$6.75

6 Samosas with 2 dipping chutneys

2 PC. Haddock & Chip

$9.

$6.95

95

Spend $35 Before Tax and Receive $10 Off Your Bill You must present your voucher to the server for more details. Not valid in private rooms. Must purchase two beverages.

905-685-3307

Expires February 28, 2012

FREE! HOME PICKUP & DELIVERY

40% OFF

Call: 905-934-8484

(Pickup Days: Monday & Thursday)

www.manorcleaners.com

Wally Wally Wemnants Wemnants CARPETMARKET LTD.

Monday / Tuesday / Friday 9:30 a.m. - 5 p.m. Thursday 9:30 a.m. - 6 p.m. • Saturday 10 a.m. - 4 p.m. Closed Wednesday & Sunday

404 ST. PAUL ST. AND 11 GENEVA ST. AT HWY 406 • ST. CATHARINES WWW.WALLYWEMNANT.COM

YOUR FIRST ORDER! Coupon must be submitted with order. Expires February 28, 2012

3 FOR 1 SALE

1. Smartstrand Carpet 2. Approved Underpad 3. Certified Installation 24 designer colours to choose from *based upon 250 sq.ft.

$

2.99

* sq. ft.

*with coupon

Expires February 28, Expires 2012 Nov./19/2012 *With Coupon • Coupon

37 continuous years • Over 1,000 Rolls, Wemnants, and Area Rugs in stock!

Chiropractic 500 Series 24 Double Edge Guard Support

Single Set Double Set Queen Set

High Coil with Soy Foam

Single Double Set Queen Set King Set

$399 $499 $599

Centennial Euro Top With Mico-Gel Memory Foam

Single Double Set Queen Set King Set

Luxury Firm Euro Top

$799 $999 $1,199 $1,599

Quilted Bam-Boo with Dacron

Quilted to Joma Wool

$1,199 $1,899 $1,999 $2,499

$599 $799 $899 $1,299

Single Set Double Set Queen Set King Set

$499 $599 $699 $999

Mico-Gel Memory Foam

Single Set Double Set Queen Set King Set

Natural Support

Prestige

1600 Coil on Coil Construction

Double Set Queen Set King Set

$1,899 $1,999 $2,399

Pillows • Roll-away Cots • Mattress Protectors • Ajustable Beds • Headboards

SHOP ONLINE

www.bestwaybedding.com QEW

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Mon, Tues, & Wed 8 - 5 pm • Thurs & Fri 8-8 pm • Sun 12 - 4 pm

io St Ontar

50 Scott St. W. (off Ontario St.) St.Catharines 905-685-6333

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Bestway Bedding

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