Newsletter - Sudbury CARP

SUDBURY CHAPTER
CARP - “A NEW VISION OF AGING FOR CANADA”
Fall 2015 Volume 5 Issue 2.
Inside this issue:
Program Highlights 2
Chair’s Report
Chair Report
1
A message from the Chair of the Sudbury Chapter
Carp Advocacy
5
Welcome members new and familiar!
Event Calendar
6
Membership
7
Travel Club
8
Erna Fex
9
CARP AGM
10
Dream Home
10
Linda Cartier
12
Websites
14
It has been a summer of transitions. A new board has
been formed and as we draw on skills and knowledge of
the past we look to the future. It will be a time of
increased voice for seniors; the numbers in the over 50, 60 and other age
cohorts will result in changes in so many areas.
So much of the news has focused on health care. While costs will
continue to rise and long-term residency will be a growing concern, the
retired population is in fact a healthier and more robust group than ever
before. Alternate delivery methods, good diet, exercise, and awareness
make today’s retired population equally a huge asset in our community
and country.
Naturally the political landscape will be reoriented. Involvement at
municipal, provincial and federal levels will both acknowledge and respect
this fast increasing segment.
How can YOU help CARP Sudbury ?
Are you ready to help ?
CARP SUDBURY Board of Directors
Hugh Kruzel, Chair
John Lindsay, Vice Chair
Sandra Desjardins, Secretary
Ken Desjardins, Treasurer
Mary-Ann Dikran
Brenda Tessaro
Irene Sacchetto
Deborah Hill
Keith Argent
Brenda Reid
Vally LaFlamme
705 618 9510
705 525 7526
705 969 1777
705 969 1777
705 692 5735
705 523 2605
705 560 2511
705 671 2285
705 693 7007
705 673 6687
705 470 2426
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Become a member of our telephone committee
Join the Board of Directors
Help out with the CARP information booth at various
community events
Sell tickets for our major fundraisers such as the
CHHA “Ultimate Dream Home”
Promote advocacy issues and actions
Meet new people, help build our Chapter and have fun !
Contact one of the CARP Sudbury Directors.
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Sudbury Chapter
Volume 5 Issue 2
Chair’s Report Continued from page 1
Many of us will work longer; some of us will retire earlier. The majority of us will spend more
time out of the workforce than in it. Volunteerism will also be our strong contribution to everything we touch, use, enjoy, and believe in. Our neighbourhoods will be richer for it.
This is a segue into a request.
No organization can function without the valuable input of so many. The board would gladly
embrace anyone who would be willing to form committees, sit on panels, or take on a leadership role. In less than 7 months we will be looking for replacements for those who have served
2 or 3 (or more) years in some capacity on the board of your local CARP chapter. Then again
in 2016 and every year forward we need to consider succession planning in seamlessly maintaining advocacy, out-reach, representation, and voice.
Meetings held at Science North and our valuable guest speakers are important venues and
points of gathering. Bring your friends and neighbours. I must also mention The Travel Club
for it builds strong bonds of friendship while introducing new ideas and fresh landscapes. Our
flag-raising event on October 1st recognizes the importance of the senior in society. There is
so much we have done, and so much we can do.
Come and join us!
Hugh Kruzel
Tell us what you want to see on our website www.carpsudbury.ca
and in our Newsletter
You can contact the Editor at [email protected]
Keep up with current CARP Sudbury activities
by checking our website
www.carpsudbury.ca
And CARP National at www.carp.ca
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Sudbury Chapter
Volume 5 Issue 2
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Sudbury Chapter
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Sudbury Chapter
Volume 5 Issue 2
CARP Sudbury Advocacy
CARP Sudbury has taken initiative and acted on the following:

Sponsoring All Candidates meeting for Sudbury Municipal Election

Sponsoring All Candidates meeting for Sudbury Provincial By-election
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Sponsoring All Candidates meeting for the Sudbury Federal Election
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Information links to meetings about Maley Drive and 2nd Avenue
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Information on current topics as noted on our website—www.carpsudbury.ca
Check our website for interesting updates about CARP
Sudbury including our advocacy and upcoming events.
www.carpsudbury.ca
Science North
LOCAL AFFINITY PARTNER
Soup or salad and a sandwich for only
$7.00 (taxes included) or 10% off any
food item on the menu if you show you
CARP Membership card at Elements
Cafeteria (Science North) APPLICABLE
ON DAYS OF MEETINGS ONLY
Science North is offering CARP local
members a 20% discount to a regular
admission to the Science Centre &
Dynamic Earth. Anyone over 65 is able to
apply their 20% discount to the senior
rates.
Page 6
Sudbury Chapter
Volume 5 Issue 2
Events Calendar

Next meeting is Thursday January 28
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Selling CHHA Ultimate Dream Home tickets

Christmas December 25

New Years January 1, 2016
Support your CARPSudbury Chapter
Here’s another way to support your CARP Sudbury Chapter.
Purchase your CHHA Ultimate Dream Home ticket from a CARPSudbury Member
Here’s another way to support your CARP Sudbury Chapter.
At our General Meetings, we hold a 50-50 draw, so bring some change and support
your Chapter while having a chance to win some cash.
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Sudbury Chapter
Volume 5 Issue 2
Membership Report
Deborah Hill - Membership Director
The membership fee to join our local chapter is
$5.00 a year per person. You will be notified when
your membership is about to expire. Our
membership table is available at all meetings, where I
can renew your membership or sign you up as a
new member.
For any queries, I can be contacted at 705-6712285 or by email at:
[email protected].
Please mark this address as safe so it will not go
into your junk mail.
Support your CARPSudbury Chapter
Some good websites for Seniors
www.seniors.gov.on.ca
www.theparksidecentre.ca
www.friendlytoseniors.ca
www.carp.ca (CARP National)
See our websites www.carp.ca/sudbury and www.carpsudbury.ca. You can also get
regular podcasts from radio station AM740 called “Zoomer Week in Review”.
You can listen to them on the web site www.zoomeradio.ca.
If you have memories that you would like to share with readers, please forward them to
Keith, our Newsletter Editor, at [email protected]
We are always looking for interesting stories or trips that would interest other CARP
members.
Page 8
Sudbury Chapter
Travel Club
Volume 5 Issue 2
by Irene Sacchetto
In Sept, our Carp Sudbury Travel Club, a group of 28 folks, travelled to Toronto to
see a fabulous concert by Josh Goban. He sang many songs from Broadway, everyone
was so delighted with his amazing voice. Such a fine young man. To top off our bus trip
we enjoyed a shopping excursion to the Vaughn Mills Mall.
Fall Day in Sudbury
Onaping Falls 2015
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Sudbury Chapter
Volume 5 Issue 2
A little house with three bedrooms, one bathroom and one car on the street,
A mower that you had to push to make the grass look neat
In the kitchen on the wall, we only had one phone,
And no need for recording things, someone was always home.
We only had a living room where we would congregate,
Unless it was at mealtime in the kitchen where we ate.
We only had one TV set, and channels maybe two.
But always there was one of them with something worth the view
For snacks we had potato chips that tasted like a chip.
And if you wanted flavour there was Lipton’s onion dip.
Store-bought snacks were rare because my mother liked to cook,
And nothing could compare to snacks in Betty Crocker’s book.
Weekends were for family trips or staying home to play.
I love the new technology, but I sure do miss those days.
So time moves on and so do we and nothing stays the same,
But I sure do love to reminisce and walk down memory lane.
With all today’s technology, we grant that it’s a plus!
But it’s fun to look way back and say,
HEY LOOK, GUYS, THAT WAS US!
Erna Fex
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Sudbury Chapter
Volume 5 Issue 2
CARP AGM 2015 by Hugh Kruzel, CARPSudbury Chair
Bringing together leaders and members from coast to coast is an important part of the annual
fall convention in Toronto. The agenda seems to always correctly capture the mood of the
country and the needs of chapters no matter whether they are here or in Vancouver or Halifax.
Last year we had Justin Trudeau come to speak on the future of Canada, and this year MP
Michael Chong was part of a panel on reform of parliament.
So, yes, there is a political nature to the meeting, but primarily this is because CARP needs to
see some changes in / or new legislation on so many fronts that affect our lives. This could
include end of life decision making (so-called death with dignity) or easing access to medical
marijuana to trans-provincial hospitalization payments.
The topic of national pharmacare was discussed, as was the value of blanket access to immunization and other public health issues.
How to grow a chapter and how to attract and retain members was an important and lively sharing. Most valuable were ideas on how others contributed to their accomplishments. With this in
mind I am going to act on three items in the next two months:
offering an inspirational movie about seniors to our membership and the larger community, and
changing the venue and date for our flag raising ceremony, and
active recruitment of future members of the Board of Directors to ensure seamless succession
Of course there are many other lessons learned. It is so important to know we are part of a larger network and that the staff at the National office are there to support us in all we do and the
challenges we face.
The Ultimate Dream Home 2015
Again for 2015 CARP Sudbury sold tickets on the CHHA
Ultimate Dream Home 786 Moonrock Ave. Last year we
made $3,756.00.
We expect to do even better for 2015 and hope you will
volunteer for this important fund raiser for CARPSudbury
To volunteer, contact one of the Board members
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Sudbury Chapter
Volume 5 Issue 2
CARPsudbury and “Friendly to Seniors“
sponsored candidate meetings In Sudbury
and Nickel Belt.
Gerry Labelle was the excellent moderator for
them with Hugh Kruzel and John Lindsay
acting as hosts.
Page 12
Sudbury Chapter
Volume 5 Issue 2
New Executor Duties in Ontario
There are two things that cannot be avoided : death and taxes. As of January 1st this year, the
Ontario government, short of cash as we all know, went looking for more money and spied a
source in estates.
The Ministry of Revenue believed that many estate values were understated and so has tightened
up the rules to provide an opportunity for easily auditing a deceased person’s estate. Executors
often did not take the responsibility to the extent of including personal assets such as Royal Dolton
figurines, other art, jewelry or the ATV out at camp. These undeclared assets were costing the
province loss revenue.
Executors now have an additional job under the new rules. It is mandatory to file a detailed Estate
Information Return within 90 days of receiving the Probate Certificate. An executor must provide a
valuation of the deceased’s estate along with a cheque paying the probate fee based on this valuation. If the values are unknown when applying, an estimate must be done plus a commitment
to provide an undertaking to the court to return the actual value on an amended Estate Information
Return 30 days from the time the Ministry receives the fulfilled undertaking. Assets included in the
estate value are Real estate held in Ontario (minus mortgage or secured line of credit), bank accounts, individually held investments, business interests, vehicles, vessels, goods, intangible property, and assets naming the estate as beneficiary. Debts against any other property, except for
real estate, are not deductible from the value.
The death of an RESP subscriber does not protect the account from probate. The contributor (not
the beneficiary) is the owner and the value would be included in the estate. RDSP accounts, however, would be included in a beneficiary’s estate as it is deemed to be theirs and not the contributor's.
If we take an example of an estate with a principal residence worth $300,000, camp of $250,000,
car of $40,000 and bank account of $10,000 = $600,000 estate, the probate fee would be $8,500.
An executor must keep all the supporting documentation to produce at the Ministry’s request and
retain all paperwork for four years from the initial filing. If an error has been made or additional
property discovered during the four years, it is necessary to file an amended return but not beyond this period. Be aware this is a matter of no small consequence as, if the return is not filed or
there are false or misleading statements within, the executor is liable for a fine up to $1,000, plus
up to twice the tax payable by the estate, possible imprisonment or both.
Gifts made through the will do not protect them from tax as they must be included in the value of
the estate as of the date of death even if gifted to a charity or non-profit which would still provide a
tax deduction for income tax purposes. All this means more consideration in determining who you
will designate to execute your estate as the task carries increased responsibility and liability issues.
Linda Cartier CFP, R.F.P., CFDS, PRP, ELP
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Sudbury Chapter
Volume 5 Issue 2
Bon Voyage to all our Snowbird Friends
You can catch Us in our website
Irish Airline
Shortly after take-off on an outbound evening Air Lingus flight from Dublin to Boston,
the lead flight attendant nervously made the following painful announcement in her
lovely Irish brogue: "Ladies and gentlemen, I'm so very sorry, but it appears that there
has been a terrible mix-up by our catering service. I don't know how this has
happened, but we have 103 passengers on board, and unfortunately, we received only
40 dinner meals. I truly apologize for this mistake and inconvenience.” When the muttering of the passengers had died down, she continued, "Anyone who is kind enough to
give up their meal so that someone else can eat will receive free, unlimited drinks for
the duration of our 5 hour flight.” Her next announcement came about 2 hours later:
"If anyone is hungry, we still have 40 dinners available."
Sudbury Chapter
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Volume 5 Issue 2
Some interesting websites:
The Parkside
http://www.theparksidecentre.ca
Science North
http://www.sciencenorth.ca
CARPSudbury
http://www.carpsudbury.ca
Sudbury Theatre STC
http://www.sudburytheatre.ca
Theatre Cambrian
http://www.theatrecambrian.ca
Sudbury Symphony
http://www.sudburysymphony.com
Support your CARPSudbury Chapter
Here’s another way to support your CARP Sudbury Chapter.
Join out Board of Directors and bring your skills and knowledge to improving CARP
and your community.
Married
Someone asked an old man: “Even after 70 years, you still call your wife –
Darling, Honey, Luv. What’s the secret?
Old man: I forgot her name and I’m scared to ask
Wife: I wish I were a newspaper so I’d be in your hands all day.
Husband: I too wish that you were a newspaper so I could have a new one
every day!
Husband to wife – “Today is a fine day.” Next day he says: “Today is a fine
day.” Again next day, he says same thing – “today is a fine day.” Finally after a
week, the wife asks her husband – “since last week, you are saying today is a
fine day. I am fed up. What’s the matter?”
Husband: “Last week when we had an argument, you said, I will leave you one
fine day. I was just trying to remind you."
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Sudbury Chapter
Flag Raising— Seniors Day Oct 1
Volume 5 Issue 2
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Sudbury Chapter
Volume 5 Issue 2
Sept Meeting
2015 AGM
Federal Candidates Meeting
Board Members
Donation to Alzheimer Society
Hugh and Mayor Bigger Labour Day
From the CARP Activities 2015