Академический Документы
Профессиональный Документы
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Celebrate Wellness
Artscapes
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Contents
Cover: Read Story Online
5 Publishers 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 Regions Country Fresh Cleaning Services 20 Visit the Sliversmith Brewing Company 22 Selling ThingsWhat You Should Know 23 Why and How Todays 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
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Visit us at 580 Read Rd, St.Catharines, ON or call 905-937-2189 Today! Email: ihf@vaxxine.com
From hardwood, laminate or cork flooring, youll 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, susan@thesilverjournal.ca The Silver Journal thesilverjournal.ca 905-933-5953 Associate Publisher Sandie Bellows Editor Karen Moncur, karen@thesilverjournal.ca Travel Editor Liz Fleming liz@thesilverjournal.ca 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 george@thesilverjournal.ca Sales Jane Alice Perkins Sandie Bellows sandie@thesilverjournal.ca Rose Magro (Grimsby Region) Lead Designer Justin Luey, justin@thesilverjournal.ca Additional Graphic Design Christy Goines-Large Pauline Johnson Webmaster Justin Luey, justin@thesilverjournal.ca 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.
SilverJournal
the
Niagara Edition - January-February 2013
Publishers Note
I believe in The Silver Journal, and Im 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.
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Joseph Cassidy
t Elios 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, Elios 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
with a new faade 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. 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. We have adapted with the times and went with more orthopedic services because there is an aging population here. said Mario.
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. 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 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.
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transitions
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Unscented, raw, vegan, gluten free hair and skin products Specializing in medically related hair loss and thinning Complete line of wigs, turbans, hats and accessories Unique gift boutique with an assortment of healing crystals, jewellery and Himalayan salts
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Transitions Studio 244 Grantham Ave. St. Catharines 905-937-1623
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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 Tinas 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.
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
|9
Ken Cosgrove
Niagaras Bounty
Beyond Strewn
Apple Fence
Visit the website and join facebook to follow along with the happenings at Artscapes!
artscapes gallery
C U S TO M F R A M I N G S T U D I O
Fine Wines
Fernando De Moura
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 youve 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 Mlange 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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Bill Hartleib
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 theyre 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.
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 dont just treat you nice when youre 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 Coltons 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 70s, 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. Youll be glad you as Habitat for Humanity with product did.
The Silver Journal
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F in d U s or Fo llow us on...
F R E S H S AV I N G S CA R D
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Dave Bogusat 69 Eastchester Ave. St.Catharines, ON L2P 2Y6
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 vehicles 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, theyll make sure its 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
905-682-3928
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
| 15
FASHION JEWELLERY PEARLS HATS HAND PAINTED LEATHER BAGS BATIK WALL PAINTINGS BEADED TAPESTRIES SILK AND COTTON BEACH WRAPS
GIFTS . . .
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-ones 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. Shell be more than pleased to guide you through every step of the process.
Our contempory flower market, walk-in cooler and gorgeous view of 12 Mile Creek will make your experience one-of-a-kind
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St Catharines ON, L2R 6P9
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MON - FRI 8:00am - 6:00pm SAT 7:30am - 4:30pm SUN 10:00am - 2:00pm
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John Bauslaugh
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, theyre 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.
John Bauslaugh
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.
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.
home to dozens of wineries, but there wasnt 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.
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 youre 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
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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 1880s 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.
905-227-2511 Seniors Day First Wednesday of every month 20% off Reg. Prices
Home Health Care Products
Mon-Fri 9am to 9pm Sat 9am to 6:30pm Sun 10am to 5pm
HENDERSONS PHARMACY
Hours Of Operation
Please feel free to come by, send pictures, or call for information.
www.hendersonspharmacy.com
15 Front St.S,Thorold
John Bauslaugh
to 5 grind, theyre ready for new adventures. 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 theyre away. 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.
www.goldgrouprealty.ca
4305 SIMCOE ST.
40 YATES
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.
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. Sales Representative
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.
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.
Sales Representative
BILL STEPHENS
SAVANNAH BONN
Sales Representative
MARIO DE LUCA
Sales Representative
ERIC DAGENAIS
JONATHON E. DICK
LAW OFFICE
BARRISTER, SOLICITOR & NOTARY PUBLIC
Biography
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. 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.
Hours: Monday to Friday 9 a.m. to 5 p.m. Evenings, Weekends And House Calls By Appointment
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 dont 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 Niagaras most versatile tack shop, HorseWorld Emporium also operates a 1,000 square foot leather shop where Brecks 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 1980s. 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. 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 1970s and produced hatching eggs. He was soon put in charge of the European operation of Ralston Purinas turkey and poultry division. During this time, he helped design breeder farms in Hungary during the Russian occupation in the 1970s. He then returned and bought his second farm north of Guelph in the early 1980s. 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 Humidiers Air Cleaners Water Heater Repairs Water Heater Installations Annual Preventative Maintenance
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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.
SOLD
Carly Corinthos
What a team effort! If you want to hire these ladies, it costs you
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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 ITS PRICELESS! Call Team Excel today!
If there are items that you dont have room for at your new place and you still want to keep, dont 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.
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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. We oer early morning, evening and weekend appointments. PLEASE CALL US FOR MORE INFORMATION.
LOCATIONS
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For more back health information, or to find a chiropractor near you, please visit www.chiropractic.on.ca or call 1-877-327-2273.
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*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
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*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.
James Morrison Senior Investment Advisor Director, Private Client Group DWM Securities Inc. Insurance Broker Dundee Insurance Agency Ltd
*Retirement Planning & Saving Strategies *Estate Equalization & Wealth Transfer *Tax Sheltering/Deferring/Efficiency *Debt / Budgeting Solutions*Mortgage Services *RRSP; Spousal RSP; RRIF; Spousal RIF; LIRA; LIF; TFSA; Canadian & US Accounts *Stocks, Bonds, Tax Shelters, Mutual Funds, Money Market, GICs, USD, Gold Certificates *Life Insurance, Group Benefits, Disability, Critical Illness
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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 jmorrison@dundeewealth.com 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
Be Happy
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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
Revitalize Restore 577 Ontario St. St.Catharines 905-988-9160 integ ratedhealthca re .ca
Rebalance
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 Cenotaphs 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 Citys capital budget.
Community members can expect to hear more about these projects in future. If youre looking for a worthy project for your donations, consider the needs of St. Catharines historic monuments. Their preservation ensures that Canadas story of valour and sacrifice is shared with future generations.
For an appointment call 905.688.5601 ext. 1557 Fax: 905.687.1711 480 Queenston Street, St. Catharines, ON
City of St. Catharines PO Box 3012, 50 Church St., St. Catharines, ON L2R 7C2 Tel: 905.688.5600 | TTY: 905.688.4TTY (4889) Twitter@St_Catharines | Search City of St. Catharines on Facebook www.stcatharines.ca
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Just recently, the City of Thorold approved the plans that Denise (Bradden) presented This is the communitys 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 didnt 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 beaverdamschurch@gmail.com. it was getting into a worst state of repairs. I of the entire community.
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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 dont 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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If you qualify for Canada pension plan (CPP) disability benefits, remember to check to see whether you also qualify for the federal disability tax credit (DTC).
The Silver Journal
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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 its going and Patchet takes her story telling to the next level. Terrorists and Archer puts a twist in that gets 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 Id 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.
| 47
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545 Niagara Stone Rd (Highway 55) Niagara-On-The-Lake, ON
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