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OTTAWA AND THE VALLEY’S NEWSPAPER FOR PEOPLE FIFTY AND OVER August 2014 • FREE Youngatheart n e w s pa p e r .c A MARY COOK’S Memories of the ’30s Connecting with Charles Bordeleau Ottawa’s Chief of Police Retirement Planning Quick Guide Underwritten by The Manufacturers Life Insurance Company. LUCK ISN’T ENOUGH. Visit medipac.com or call 1-888-MEDIPAC 2014MS Medipac banner YaH 10.35x1.875.indd 1 08/08/2014 2:03:36 PM “Enjoy his story” Sure, the words are written in the book, but little Mike is telling his own tale. Make sure that you are hearing optimally, so that you can enjoy HIS story! Davidson Hearing Aid Centres A SOUND DECISIONTM www.davidsonhearingaids.com 2 YounG at Heart August 2014 613-233-3149 OTTAWA EAST 1459 Ogilvie Rd OTTAWA 1399 Bank St NEPEAN 28 Thorncliff Pl Also in Brockville Cornwall Pembroke Renfrew Luxury Rental Apartments 2 Bedroom and 2 Bath Penthouse Available for Sept. 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Whatever your pastime, the best of Ottawa living or Heating Bills is at your front door. • • • • • The Property Mid size 8-storey building for enhanced privacy and security Indoor ground level swimming pool 8th floor terrace with loungers and BBQ facilities Well appointed gym featuring LifeFitness equipment Personal fitness trainer available The Units • Elegant, spacious units with high ceilings • Open concept kitchens featuring: ~ Granite counters ~ Under-mount sink ~ Natural wood cabinetry ~ Slide-in stove with ceramic cook-top ~ Stainless steel appliances • Strip hardwood floors by Kahrs in the living areas • Ceramic tile in the entrance and bathroom • Washer and dryer in every unit • Calypso bath with arched shower enclosure • Panoramic windows, most with view of the park and river • Custom blinds • Individual control of central heat and air conditioning • Underground parking • Available maid service No Condo Meetings No Committees Let Someone Else Worry About The Maintenance An on-site management office means we are always easily available to address your needs Hassle free luxury urban living without complications of ownership TERRASSES GABRIELLE www.globegeneral.ca 411 North River Road, Ottawa 613-741-4411 www.terrassesgabrielle.com YounG at Heart August 2014 3 Visit our Website for Articles, Past Issues, Contests and more... Youngatheart n e w s pa p e r .c A EDITOR Jayne Rooney (613) 421-7989 [email protected] PUBLISHER V.P. SALES Mark Rusiecki (613) 526-0651 [email protected] CONTRIBUTORS Account Executive Shirley Landles (613) 526-2116 Mary Cook Randy Ray Katharine & Eric Fletcher Bud McGinnis Ottawa Public Health Women’s Health Matters Please direct all accounting and general enquiries to: 1339 Mory Street Ottawa, ON K1T 1C8 Tel: (613) 526-0651 Fax: (613) 526-0650 [email protected] GRAPHIC DESIGN & PRODUCTION Billie MacDonald www.facebook.com/billiedesign Inside Distribution of this newspaper does not constitute an endorsement of information, products or services. Young At Heart reserves the right to reject an advertisement or listing which is not in keeping with the publication’s standards. Reproduction in whole or part without written permission from the publisher is prohibited. Over The Back Fence................ 6 Finance ...................................... 8 Healthy Living ........................... 10 Travel.......................................... 11 At Home ..................................... 13 Cover story ....... 5 t ear h t nga You .C N A SP A R PE www.youngatheartnewspaper.ca It’s a Fact Q: While touring the Ottawa area I’ve visited many communities, including Calabogie, Douglas and Crysler. What can you tell me about these communities and the origin of their names? A: Calabogie, at the head of the Madawaska River, 34 kilometres southwest of Arnprior, was a supply centre in the early 1800s for log drivers and in 1895, the largest black graphite deposit in the Americas was discovered there, according to the book Ontario Place Names by David E. Scott. The files of the Ontario Geographic Names Board list four possible origins for its name – from calladh bogaidh, Gaelic for “marshy shore;’’ in Spanish, cala boga refers to a body of water where rowing is necessary; the Indian word for “sturgeon;’’ and callibogus, an early Newfoundland beverage concocted from spruce beer and rum. Douglas, a small community 36 kilometres west of Renfrew, grew up beside We’re Getting Bigger & Better! Our community in historic Perth is adding 55 new suites in a spectacular expansion. This is a rare opportunity to select from a variety of suite layouts and sizes to suit every taste and budget. Call Diane for more information. EW what was known as the Third Chute of the Bonnechere River, a waterfall over which log drivers had to shepherd their timber. Thomas Bell built a gristmill at Douglas in the 1840s and the townsite was surveyed in 1853. When the post office was established a year later, Scottish settlers chose the name Douglas after a town in Lanarkshire, Scotland, says Scott. Located on the South Nation River, about 50 kilometres southeast of Ottawa, Crysler was named after John Crysler, a United Empire Loyalist and member of the legislative assembly of Upper Canada from 1808 to 1824. He owned the townsite and a farm on the St. Lawrence River where the Battle of Crysler’s Farm was fought in 1813. Randy Ray and Mark Kearney are the authors of nine books about Canada. For more trivia, visit their website: www.triviaguys.com Now Booking Tours. Our new suites will fill up quickly. Call today for a tour, 613-267-7000. North Street, Perth, Ontario K7H 3R1• www.CarolinaSuites.ca • www.CarolinaSuites.ca • [email protected] [email protected] 12105 Alma Street, Perth, Ontario K7H 2R7 4 YounG at Heart August 2014 Y@Hconnectingwith C Ottawa’s top cop harles Bordeleau has been the Chief of Police of the Nation’s Capital since 2012. He has faced many challenges, and oversees a very large contingent of officers. Mary Cook posed some questions to Chief Bordeleau to get a picture of what day-to-day life is like as Ottawa’s top police officer. Y@H: Most young boys dream of being either a policeman or a fireman when they grow up. How old were you when you decided you wanted to be a police officer, and was it your first choice? CB: I was actually around 18 years old when I decided to pursue a career in law enforcement. It was after I had met my current father-inlaw, who happened to be a police chief. Prior to that, I wasn’t really sure what career path I wanted to take. I had thought about something business-related, but I didn’t have a clear idea of what. Y@H: Where were you born, and where did you grow up? CB: I was born and raised in Ottawa and grew up in the south end of the city. That may explain where my affinity for that part of town comes from. Y@H: Do you have any other family members in law enforcement? CB: Yes. My father-in-law was a former Chief of Police in Gloucester. And if you consider other forms of law enforcement, my wife is too. She is a lawyer specializing in police labour law. Y@H: Where did you start out in your career? CB: I started my career as a recruit on patrol with the Gloucester Police Department. Y@H: You are considered a “hands-on” chief. How do you view your role as top police officer of Ottawa? CB: I view the role of Police Chief as an important leadership function that involves engaging the community in planning and addressing their safety, while supporting and leading the members as they serve residents. I dedicated my entire career to policing and that experience has proved invaluable in understanding the job our members do, and the challenges faced by our community. It also helps me with my hands-on approach, which I find can minimize the gap that can sometimes exist between leaders and the people they lead. Y@H: Ottawa has a huge force, is it important that you get to know all of your officers and, if so, how do you manage it? CB: I think it’s extremely important to engage with our members, both civilian and sworn. One of the first things that I did when I became Chief was to visit our different stations and talk to our members on the front line. This face time was so important. I continue to hold what I refer to as “Chief Chats” with our members so I can have that opportunity for open and honest dialogue. I also look for other ways to engage with them directly, such as attending patrol meetings that are held before each shift, or dropping by different sections. Y@H: There are many departments in the police service in Ottawa, is one more challenging than another? CB: No. Every department has such unique challenges and responsibilities, and contributes to the safety of our city in different ways. They all have difficult jobs to do in different ways and I am extremely proud of all of them. Y@H: How involved is the chief in day-to-day criminal offences? CB: There is certainly a large degree of my job that no longer takes place in a police cruiser or on the road. However, one of my largest responsibilities is making sure that I know what is going on in the community. I receive regular updates on calls for service and have meetings with staff so I can keep myself informed. Y@H: What is your greatest challenge as the Chief in a city the size of Ottawa? CB: I think you hit on it with your question – Ottawa is one of the largest municipal policing jurisdictions in Canada. There are a lot of people that need our help in a city this size. Making sure we are able to reach out to everyone and get them the help they need can be a challenge. Y@H: Since Ottawa now incorporates a huge rural area beyond the urban core, does this present a special approach to law enforcement here? CB: When you consider that our jurisdiction spans from Embrun to Arnprior, it certainly is a large area to police. This is definitely taken into consideration when we look at how to deploy our officers, where our stations should be located, etc. We have crime analysts who help identify trends and areas for focused enforcement, however, we always have to be prepared to respond anywhere in the city. Y@H: What is your biggest concern, or challenge, in assuring Ottawa is a safe community to live in? Photo: Ottawa Police Service CB: I think the biggest challenge is making sure residents are Charles Bordeleau has been Chief of Police of the Nation’s getting the help they need. Crime Capital since 2012. is tied to a number of socio-economic factors, therefore, it is imperative that we a capsule picture of what a regular day may be like work with fellow service providers and community for you? agencies, and coordinate our efforts. CB: Well, it has to start with coffee! It really does change from day to day, but most days involve my Y@H: I’m sure there is no such thing as a meeting with my executive team as well as some “regular” work day for you. But can you give me Continued on page 7 Fractional Ownership & Rental Resort From $58,500 - $89,900 Call 1-866-240-5194 Or Visit frontenacshores.com YounG at Heart August 2014 5 Y@H’s Over The Back Fence... Volunteer Profile… More and more churches are depending on volunteers to help meet the growing demand of their congregations, and these dedicated parishioners play a vital role in the health of their churches. Holy Cross Catholic Church on Walkley Road in Ottawa is blessed to have people like Karen Flynn, who has dedicated years as a volunteer, and who has given freely of her time and talents for decades. As long ago as 1980, she became part of the Baptism preparation team, and stayed with that part of the ministry for sixteen years. She chaired the hospitality group, a vital part of any congregation, and has been actively involved since 1993. This group provides opportunities for the members to get together allowing them to become familiar with the church and membership. She also served on the Pastoral Council for seven years, and took on the challenge of being one of the church’s announcers on Sundays, who welcome attendees and lead in the opening prayers and remarks before Mass. Fynn has also been a dedicated volunteer with the Ottawa Foyer Partage, an organization which works with the mentally and physically challenged. Karen Flynn She still finds time to be a good neighbour in her community, and is a familiar face when it comes to canvassing for local charities, such as the Canadian Cancer Society. Karen Flynn is a true volunteer, answering the many needs of Holy Cross Catholic Church, as well as in her home area, and Y@H congratulates her on her many years of giving so freely of herself to others. Where Is He Now? Canadian Rock and roller Jerry Doucette British Columbia-based guitar gunslinger Jerry Doucette, best known for his late ‘70s smash hit Mama Let Him Play, is back doing what he’s best at, singing, song writing and performing his distinctive brand of hot music. The Montreal native, who lives in Ladner, B.C., 25 minutes south of Vancouver, has been touring since the late ‘90s to present day, focusing his seasoned musical maturity on developing a fine reputation for presenting his fans with a classy blend of energized traditional blues tunes with his already Classic Rock/Blues originals. His most recent release was his Vintage CD featuring a collection of 17 of his best tunes re-mastered, most of which are not in circulation, three live cuts, and an audio interview accompanied by a more than 60-photo slide show featuring rare photos, promo, billboard charts and live photos. Doucette started his music career in 1964 in Hamilton Ont. with a band called The Reefers, when he was a mere 11 years old, he told Y@H in a July interview. He played with a number of Ontario groups in the 1960s and ‘70s, including the original version of his own band, named, what else, Doucette. But it wasn’t until he moved to the west coast from Toronto in the early ‘70s, that he made a name for himself. After playing with The Rocket Norton Band and The Seeds of Time, which later became Prism, the second version of Doucette released three LPs between 1978 and 1984, including Mama Let Him Play, which went platinum in Canada and enjoyed considerable U.S. success, The Douce is Loose and Coming Up Roses. Memorable singles were Mama Let Him Play, All I Want To Do and Nobody. In 1978, the Vancouver-based band won a Juno Award as most promising group of the year. Doucette also scored gold and platinum discs for the Mama Let Him Play LP. Contributors to Over The Back Fence include: Mary Cook, Randy Ray and Mark Kearney. Please send us your questions and suggestions for future pages. 6 YounG at Heart August 2014 Funny You Should Ask The Model T Q: I have often wondered why Henry Ford called his first car a Model T. Can you find the answer for me? A: We can tell you it took more than 20 tries before coming out with the car. Ford wanted a vehicle that didn’t cost a fortune, was easy to run, and yet remained reliable. Apparently, and for no particular reason that we could find, Ford’s dream of creating an automobile took 20 tries before he finally came up with a car that met all his standards, and of course, “T” is the 20th letter in the alphabet. And so that is why he called it the Model T. It’s hard to believe, but even after 106 years, there are still a few Model Ts around today. They are most often found in the hands of collectors who have lovingly restored them to the glory days when the Tin Lizzie, as it was called, was launched, and changed forever our means of transportation. As the saying goes … “You’ve come a long way, baby.” It isn’t only natural land erosion that we should be concerned about, it is the growing threat of urban expansion and the proliferation of wind turbines and solar panels taking over good farmland that should cause us great alarm. According to the Ontario Federation of Agriculture (OFA), Ontario is losing a whopping 350 acres of farmland every day of the year! That land lost could be producing much needed local produce to feed the province’s growing population. Farmland is Ontario’s greatest and most important resource, but it is alarming that less than 5% of it is suitable for food production. Sadly, once farmland is gone, it never returns to its original purpose. The OFA is asking the provincial government to protect the farmland classified as 1, 2, 3, and 4 – these are lands that support most agricultural activity. Land conservation is vital to all Canadians and there are many regions in the province threatened with the loss of vital farmland. Southern Ontario is especially vulnerable. As well, Eastern Ontario is also seeing much erosion of its prime farmland. Not only to urban development, but to the ever-growing proliferation of solar panels and other intrusions on farmland that will never be returned to food production purposes. This is something that should concern every one of us. Contact your local provincial government representative and make your voice known before it’s too late. The Farm Scene Remember When… The first vacuum cleaner There are now robots that will do the job, but for many, many years we have had to rely and depend on the good oldfashioned vacuum cleaner! And if it hadn’t been for a Scot by the name of Hubert Cecil Booth, we might still be using the broom and dustpan. It was Booth who, 113 years ago this month, invented the world’s very first motorized vacuum cleaner. Alas, it came with a few wrinkles that had to be fine-tuned before it was of much use to the ordinary housewife. Booth’s original vacuum cleaner had to remain on a wagon outside the house, and powered by an internal combustion engine, it rattled the windows for miles around. It was originally designed to be used by a company that went door-to-door contracting for the cleaning job. It needed a hose attached to a pump outside the house and the suction part was used inside the home to do the job. Other inventors came along and finetuned the vacuum cleaner, but not before there were many lawsuits contesting Booth’s patent on his original machine. Booth was born in 1871, and died in his homeland in 1955. This Month in History Aug. 17, 1969 In Montreal, an FLQ bomb explodes in a Ministry of Labour office. Y@Hmemoriesofthe’30s By Mary Cook Sipping soup at Bowles Lunch It was a wonderful treat for me to go off to Ottawa when Mother made the trip into the city, and because it was such a long journey from Northcote, we usually stayed overnight, which meant I got to sleep in a bed by myself for a change. I always thought Grandfather was very worldly. When he came home from work at Ottawa Car which was located under the Somerset Street bridge, he would change into dress trousers and shiny black shoes with grey felt spats. He wore open dress shirts with a scarf in the neck, and a navy blue blazer with his First World War medals on the chest. I was very proud of him, and thought he was a real gentleman. I doubted there was anyone in Renfrew county who could hold a candle to him for style. That day, when Mother and I were visiting my grandparents, it was lovely and warm. Grandfather came home from work and got changed into his good clothes. He announced that there would be two less for supper that night. And he gave me a big wink across the kitchen that sent my blood Connecting With continued from page 5 time set aside to respond to email or phone calls, or to review documents. I also have regular meetings with community partners and participate in events across the city. As much as I try to make myself available to our members, I also try to do the same with residents. Y@H: How do you squeeze family time out of your very busy schedule? CB: I definitely think it’s important to set aside time for my family when I distance myself a bit from my role as Police Chief, and focus on my role as a husband, father, etc. However, I am very fortunate to have family that is proud and supportive of what I do, and when possible, I try to include them. Just this summer, the Ottawa Police had the honour of hosting the annual Ontario Association of Chiefs of Police conference. My wife was able to accompany me to parts of the program and we had a great time. racing through my veins. I had no idea what he had in mind, but I knew that I was going to figure into his plans. He told Mother to comb my hair and fetch my gloves ... no decent girl went anywhere without her gloves in those days, and taking me by the hand, we headed out the door. Mother seemed to know exactly where we were going. Grandfather and I walked away from Lyon Street and I could see the tops of the parliament buildings coming closer and closer and then we were across from the Chateau Laurier Hotel, where Aunt Lillie had once taken me for lunch, and where we had used real linen table napkins. We walked past the station and turned into the doorway of a building which was all glass in the front. I could see many small tables and chairs, and there seemed to be a lot of men sitting around eating. Grandfather said, “This is Bowles Lunch and they make the best soup in the whole city of Ottawa.” He nodded at many of the men and they nodded back. Cigar smoke hung in the air like curtains, and whatever food smells were in the restaurant were completely obliterated by the haze. Grandfather steered me to a chair and I knew he was well-known when the waiter brought soup bowls without being asked. Y@H: Ottawa has a fairly low crime rate compared with other cities of its size, is there a prevalence of one crime that concerns you? CB: My concerns mirror those of the community and our members. We do live in a safe city but guns and gangs, road safety, and violence against women are priority areas the Ottawa Police Service is focused on. Y@H: Do you ever regret taking on the top job of the Ottawa Police Service? CB: Not a single day. I consider it such an honour and unique opportunity to lead such a dedicated service in a city I love. Is the job difficult? At times, yes. But I wouldn’t trade it for anything. Y@H: What gives you the most satisfaction from your job? CB: Policing is a profession that is all about people. I love that. I also love that it gives you an opportunity to truly make a difference and effect change. That gives me satisfaction. Looking For Travel Medical Insurance? See The Back Page MEDIPAC ® Travel Insurance A man, equally distinguished looking, moved over to our table and called Grandfather by name. They immediately started talking about the city elections. It was soon obvious that they were worlds apart in their opinions. The man called Grandfather stubborn. Grandfather said the man didn’t have enough brains to wind his watch. I could see other customers looking at our table. Grandfather’s voice was getting louder and louder, and the man was rattling the dishes by bringing his fists down on the table with a great clatter. The man called the mayor a crook and Grandfather stood up from the table and defied the man to say that loud enough so that everyone at Bowles Lunch could hear him. No one seemed to be paying any attention to me, so I ate my soup and switched bowls with Grandfather and ate his too. The man and Grandfather were nose to nose, and Grandfather’s ascot tie had worked its way out of his shirt. He was losing that immaculate look he had when he came in. But it was nothing compared to what he was going to look like in a few minutes. The man picked up his soup bowl and turned it upside down on Grandfather’s good blazer. I watched in horror as it ran down his white shirt in little rivers, leaving great brown stains as it went. Grandfather was so taken aback that he just stood there looking down his front. I guess the man figured the best thing he could do was to make a fast exit, and he ran out the front door while the waiter yelled “You owe 15 cents for your soup.” But he was gone, lost in the crowd on the street. Grandfather said we would wait until it got dark before we would venture outside. All the way home we walked close to the buildings so that no one would see Grandfather’s messy clothes. When he went into the house his order was: “Don’t ask. Don’t even ask,” and he stomped to the bedroom. It was the only time I ever saw Grandfather any way other than immaculate, and it was the last time he ever took me to Bowles Lunch. And even though he usually went there once or twice a week, Grandmother said he never went back either, and he took to calling the lunch spot a place where bums hung out. Grandmother could be heard from the kitchen talking to no one in particular, “Bums indeed! And I wonder where that leaves him!” as she tried to sponge the soup off his jacket. Rowland Leather 0HUULFNYLOOHDQG.HPSWYLOOH Made in Canada Rowland Leather Bags and Backpacks Tilley Hats for Men and Women Birkenstock Sandals rowlandleather.ca Merrickville Guest Suites Deluxe Getaway in the Heart of Merrickville 613-269-3151 merrickvillesuites.ca YounG at Heart August 2014 7 Y@HtheABCsoffraud By Bud McGinnis Be vigilant to avoid becoming a victim Irrespective of how well informed we are about frauds and scams, any one of us can become a victim. Just think of the 40 million credit cards that were compromised in the Target store chain last year. Should you be one of those cardholders, your information has fallen into the domain of a criminal. You did nothing wrong. You merely used your credit card to pay for a legitimate purchase, something a the ottawa school of art fine arts diploma portfolio certificate make your mark - Hands-on Training - Professional insTrucTion - sTrucTured - exHibiTion exPerience The Ottawa School of Art offers diploma and certificate students a unique program of intensive, hands-on, well-structured training in the fine art tradition of drawing, painting and sculpture. For more inFormation: 613.241.7471 or online: artottawa.ca large proportion of the North American population does every day. Victimization in this way is very disturbing. It should, however, provide an even greater incentive to recognize and avoid frauds and scams. And this type of criminal activity seems to be increasing in current society. In the last week alone, I’ve encountered four examples of such criminal activity; two were picked up and reported through the news media. The other two came directly to me, one via the internet and the other by phone. The one report dealt with a senior couple who received a very disturbing phone call. When they answered the phone the sobbing caller indicated an urgent need for cash. He identified himself as their grandson who had been in a car accident, had a broken jaw, and was in jail charged with drunk driving. He urgently needed bail money, along with money to pay a lawyer. Would his grandparents help because he dared not contact his parents? They would just kill him if they knew what he had done. What is a doting grandparent to do? Emotion often trumps rational thought and the money is sent. In this instance rational thought prevailed, and the potential victims did some checking. Indeed, they found that their grandson was not even in Montreal and that the whole sobbing episode was a hoax. That one phone call saved these grandparents in the order of $2,000. It’s an event we should all keep in mind. The second news report dealt with “work at home schemes.” In the case reported, the respondent applied for an editor’s job and was accepted almost immediately. No questions were asked about prior experience or salary expectation. Included in the information requested list, however, was banking information, name, branch and account number. He was also asked to provide a copy of his driver’s license or his passport for “identification” purposes. The lack of detail regarding the job, coupled with the request for personal and financial information, caused the potential victim to reconsider and he discontinued all contact. It seems likely that if the information requested had been sent, the individual would have quickly become a victim of identity fraud. Another event to keep in mind. There’s an old saying that what goes around comes around. This is certainly true of scam attempts that came directly to me because I’ve reported on both before. First there was an email, supposedly from Bell Canada, saying that the credit card I was using to pay my Bell account would not accept this month’s charge. However, if I clicked on the Click Here button and updated my credit card information, all would be well. This was clearly an attempt to gain my credit card information by a con artist because I don’t pay my Bell account that way. In addition, the Account ID provided in the email bears no similarity to that of my true Bell account. It’s just twelve months since I received an identical email, although the Account ID was different. It’s important to remember that legitimate companies do not contact clients by email for this type of information. The other scam came in the form of three phone calls. First, when I answered the phone I was told that Microsoft Windows Technical Support was calling because it had detected major virus contamination in my system and I needed their assistance. After listening to their “offer” for a few seconds I broke in, told them that they were running a scam, wanted nothing further to do with them and then hung up. About four hours later I received the second call with the same message. This time I pointed out that I had been contacted earlier and suggested that their internal communication lines needed improvement. And I repeated that I wanted no part in their fraudulent operation and abruptly terminated the call. I had just returned the receiver to the cradle when the phone rang again. The Caller ID window indicated that it was the same agency calling. It rang three times and then quit. I’ve not heard from them since but clearly they don’t give up easily! If you are part of a group that wishes to learn more about frauds and scams call 613-564-5555 and leave a message. A Rotarian will call back to initiate arrangements for a presentation. All presentations are free and usually last between 40 and 60 minutes. Peloso Landscaping Inc. SYNTHETIC GRASS from PERFECT TURF General Contracting Interlocking and Asphalt for Driveways Large Scale Sodding Retaining Walls, Flower Beds, Patios and Window Wells Decks and Fences Licensed and Insured Fully Equipped Equipment Rentals Material Delivery References Available Stone from Industry Leaders Please contact us to book today. Call 613-260-9566 or email [email protected] www.pelosolandscaping.ca Referals Upon Request Over 20 Years Experience 8 YounG at Heart August 2014 Y@Hfinance Three-quarters of Canadians have some form of life insurance, but most not confident with their level of coverage BMO Insurance released a study in July revealing that while 74 per cent of Canadians have life insurance either through coverage they have bought themselves or through work, 70 per cent are not fully confident that their life insurance policy will provide enough money to take care of loved ones in the case of death. Retirement planning quick start guide 1. Conduct a retirement/income analysis Estimate your monthly retirement living expenses like utilities, insurance and mortgage payments. Be sure to consider additional costs such as travel, hobbies and other forms of entertainment. 2. Investigate government sources of income Find out how much monthly income you can expect from government sources like the Canadian Pension Plan (CPP) or Quebec Pension Plan (QPP) and Old Age Security (OAS). There are various online sources for this information. 3. Investigate your pension from work (if applicable) Determine whether your employer-provided pension plan is a defined benefit plan or defined contribution plan. If it is a defined benefit plan the Pension Administrator can give you a monthly benefit payout estimate. If it is a defined contribution plan, you will have to estimate the monthly pension. Further, the study revealed that 88 per cent of Canadians are not very familiar with the different types of life insurance options available to them. This finding could play a role in the low levels of confidence that Canadians feel towards their amount of life insurance coverage. “Learning about the various kinds of life insurance and choosing which is best for you and your family can be a challenge,” said Rocco Casullo, Head, Direct to Consumer Insurance, BMO Insurance. “While there are many choices available, it’s critical that you take the time to learn what is out there and go through your options step by step. Canadians need to make sure that they are well protected with life insurance coverage that suits their specific needs.” Casullo noted that there is no magic number for the dollar amount of life insurance coverage needed. There are many factors that determine this, including age, family status, health, level of debt and income. For those who are unsure of the amount they need, it is important to start with the basics. For instance, BMO Insurance offers a variety of easy-to-use online resources to help customers understand coverage levels and product options specific to their situation. It’s never too early When asked when they think is the ‘right time’ to buy life insurance, 63 per cent of respondents stated that the best time to buy is as soon as one can afford it, to take advantage of low premium rates. 5. Do the math Add up your potential monthly income including government pensions, workplace pension(s) and savings and investment withdrawals. Compare this total to your estimate of monthly retirement living expenses. The result should provide an indication of whether you need to re-think your planned retirement lifestyle or become more focused on saving or both. 6. Seek professional advice You know your personal retirement goals better than anyone else, but it might take the help of an expert to reach them. A financial advisor can help you to assess your retirement income needs, determine your expected sources of income, and help you develop a plan that ensures you are adequately prepared for the cost of living in retirement. Provided by Investors Group. For more information visit www.investorsgroup.com How to choose the policy that’s right for you Casullo provides the following insights to Canadians who are considering purchasing a life insurance policy: • Understand your options: Take the time to learn and understand the types of insurance available. •Work within your comfort zone: Whether buying online or with the help of an advisor, there is no shortage of resources and purchase options available. • Know what is important to you: Insurance is not only about making sure that you have enough coverage to take care of financial commitments, it is also about ensuring that the plans you made for the future are still achievable. For more information on BMO Life Insurance visit www.bmo.com/insurance/life-insurance. Canada’s Highest GIC Rates! 4. Count your savings Review your TFSA and RRSP investments along with any other investments you may have. Be sure to understand the rules governing withdrawing income and the related taxes that may be applied. The study also examined the top reasons why Canadians get life insurance: • They do not want to burden their family financially after death (53 per cent). • They have a sense of responsibility to buy it (49 per cent). • They were told by family and or friends that they should have it (16 per cent). “We can’t control unexpected life events, but we can control if we have developed a plan,” says Casullo. Heritage Group Financial is your onestop shop for the best GIC, RRSP and RRIF rates in Canada. Whether you’re an experienced investor or you’re just starting to plan for your future, we’ll make sure you get the best return on your investment – guaranteed. For excellent rates and outstanding service, contact us today – and find out exactly how easy it is to reach your goals. 1 Year 2 Year 3 Year 4 Year 5 Year GIC RRSP RRIF 2.14 2.15 2.26 2.36 2.65 2.14 2.15 2.25 2.35 2.60 1.90 2.10 2.25 2.35 2.60 Rates subject to change. Call us for an exact quote. Rates are quoted on minimum deposits by company. 30-59 Days 1.30% 1 Yr. Cashable 1.40% Rates subject to change. Heritage Group Financial 666 Kirkwood Avenue, Suite 100 (Carling at Queensway) 613-722-9999 • 1-888-722-1515 www.heritagefinancial.ca YounG at Heart August 2014 9 Y@Hhealthyliving Parkinson SuperWalk: Raising funds and offering hope On Sept. 6 and 7, more than 14,000 everyday heroes in 110 communities across the country will display their superpowers in the 24th annual Parkinson SuperWalk. Each year, the event raises awareness and money to support valuable education, resources and support services for people living with Parkinson’s and their families, as well as research, such as the work of Dr. Ali Salahpour at the University of Toronto. Salahpour is investigating how and why a protein called TAAR1 blocks dopamine action in the brain. When brain cells that normally produce dopamine die, the symptoms of Parkinson’s appear. If he finds a drug that inhibits TAAR1, which is present in everyone, with or without Parkinson’s, it could increase the effectiveness of the remaining dopamine in the brains of people with Parkinson’s disease. “Inhibiting TAAR1 may also enable people with Parkinson’s to use less of their current medications, reducing complications and side effects and improving their quality of life,” explains Salahpour. Parkinson’s is a degenerative neurological disease for which there is no cure. More than 100,000 Canadians and over six million people worldwide have Parkinson’s. While research can take years to eventually become a treatment, the benefits can be worth the wait and quite dramatic. Al Saulou was taking medication every four hours day and night. He was stooped; walked with a shuffle and needed help with everyday Photo: Parkinson Society of Eastern Ontario Learn how to earn up to 7-14% on interest per annum on Secured Mortgages. Discover how investing in Mortgages can re-energize your RRSPs. Scott Devries, BA Mortgage Agent LIC #M12001277 Let Wealth Innovations and Mortgage Alliance Partners maximize your portfolio. Contact the Wealth Innovations team at (613) 725-7707 or email [email protected] to set up an appointment or request further information. PA RT N E R S Corporate Office: 1-800-688-0094 / License 10124 Independently Owned and Operated franchise of the Mortgage Alliance Network Looking For Travel Medical Insurance? See The Back Page 10 YounG at Heart August 2014 MEDIPAC ® Travel Insurance activities like dressing. Saulou’s Parkinson’s was also affecting his wife, who supported his intricate routine. Following deep brain stimulation (DBS) surgery, Saulou stands erect, walks normally and is much more independent. He now carries his own “controller,” which enables him to adjust the stimulator implanted in his brain. “DBS did not magically appear; it is the result of an enormous amount of research and collaboration by dedicated scientists,” says Saulou, who turned to Parkinson Society to help him better understand this complex disease and manage daily living. DBS is not a cure for Parkinson’s; it reduces the symptoms of the disease and only about five per cent of people with Parkinson’s are suitable candidates. Saulou knows he’s one of the fortunate ones and is humbled by his success, while others continue to suffer. To register for this year’s SuperWalk or donate, visit www.parkinsonsuperwalk.ca. Follow Parkinson SuperWalk on Facebook or on Twitter @SuperWalk. For more about Parkinson’s disease and to find support in your community, visit www.parkinson.ca or call 1-800-565-3000. Women’s heart health survey A new survey, ordered by the University of Ottawa Heart Institute, shows that a majority of Canadian women lack knowledge of heart disease symptoms and risk factors, and that a significant proportion is even unaware of their own risk status. The findings underscore the opportunity for patient education and intervention regarding risk and prevention of heart disease. Heart disease is a leading cause of morbidity and mortality in men and women. Our understanding of heart disease stems chiefly from clinical trials on men, but key features of the disease differ in women. Published in the Canadian Journal of Cardiology (CJC), the article shows findings from the first ever Canadian national survey of women that focuses on knowledge, perceptions, and lifestyle related to heart health. Undertaken in the spring of 2013, the cross-country investigation surveyed 1,654 women aged 25 and over. Results showed that just under half of the women were able to name smoking as a risk factor of heart disease, and less than one-quarter named hypertension or high cholesterol. Surprisingly, fewer than half of all women surveyed knew the major symptoms of heart disease. “Women are under-studied, under-diagnosed, and under-treated because of a lack of public and professional awareness of women’s coronary risk,” said Lisa McDonnell, lead author and Program Manager for the Canadian Women’s Heart Health Centre at the Heart Institute. “The findings show that we absolutely need to increase awareness and knowledge, and to correct misperceptions concerning the incidence, prevalence, and significance of cardiovascular disease (CVD) among women and health care providers.” Furthermore, when it comes to being informed about heart disease, the majority of women mentioned their preference on receiving information from their doctor, but just half reported that their doctor had discussed prevention and lifestyle with them during consultations. Perception vs reality The survey also shows that women who are at the highest risk perceived themselves to be at a much lower risk. In a comparison of actual and perceived heart disease knowledge, 80% of women with a low knowledge score perceived that they were moderately or well informed. Y@Htravel Experiencing Alberta’s Cowboy Trail By Katharine Fletcher “Did you know that the Sundance Kid worked here at Bar U Ranch?” While driving a team of black Percheron horses around the National Historic Site, an hour-and-ahalf south of Calgary, Dan Wilson regaled a wagonload of visitors with stories. “Whenever the Northwest Mounted Police would drop by, The Kid would disappear, saying something about a fence to fix.” At the turn of the last century, Bar U was internationally renowned for its purebred Percheron draft horses and cattle. Today, the sprawling ranch commemorates the heritage of the Canadian ranching industry. Don Wilson drives a team of Percherons at Bar U Ranch. From vivid landscapes to vibrant history, the wild west springs alive in southern Alberta Wilson dropped us off at a campsite where his wife Myriam was brewing cowboy coffee over an open fire. While we sipped, she explained how cowboys on the open range would drive the cattle for months at a time. It was a demanding job with long hours and short of comforts. Understandably, it was the cook who fixed the cowboys’ “grub” who ruled each drive. Bar U was our first stop on a tour of Southern Alberta’s Cowboy Trail (Highway 22). Using Calgary as a base, we drove south in pursuit of iconic cowboy, horse, and First Nations experiences. Next on our agenda was to head further south on Highway 22 to join a four-day horseback riding expedition into Waterton Lakes National Park. At Waterton, after spending our first night at Crandell Mountain Campsite in a tipi, we went to Alpine Stables to saddle up and ride into the mountains. After being matched to our horses, where our abilities, weight and height were considered, we were off, in the very capable hands of expert riderguide, Josh Watson. “I’ve been exploring Waterton since I was little,” he said. “My grandparents started Alpine Stables in 1969, guiding horseback rides and our family still operates it. At 80, my grandfather is still riding these mountain trails!” Sydney Opera House Abel Tasman National Park New Zealand Australia South Pacific Islands TM St Regis Hotel Bora Bora Photos: Eric Fletcher Josh Watson leading the way through an alpine meadow in Waterton Lakes National Park. I’d longed to visit Waterton for years because it is renowned for diverse wildlife, spectacular peaks and ridges, plus lakes and varied ecosystems. Located just four hours south of Calgary, it’s an accessible park bordering Montana’s Glacier National Park. In fact, they’re known as the Waterton-Glacier International Peace Park, formed in 1932 to celebrate our two countries’ friendship. Continued on page 12 Call and speak with Lise Knowles, a certified Aussie Specialist and Downunder Expert with more than 20 years of knowledge and experience in planning and booking unique and unforgettable, stress free vacations to suit any time frame, budget and lifestyle. Whether you prefer a fully escorted coach tour, independent fly-drive holiday, camping trip or cruise, Lise will arrange every last detail. She can, also, provide you with comprehensive travel insurance for your peace of mind. Call today to make an appointment to meet with Lise to book your dream holiday to Australia, New Zealand or the South Pacific Islands! Suite 308 – 383 Parkdale Ave., Ottawa (Opposite Parkdale Market) 613-288-1399 1-800-265-5424 TICO #50021053 Visit our website www.aussietravel.ca YounG at Heart August 2014 11 Rentals starting at 175 $ per night La location à long terme est également disponible. Photo: Eric Fletcher Exhibit at Head-Smashed-In Buffalo Jump shows bison on the brink of the cliff. Alberta continued from page 11 Luxury cottages for rent Weekends, holidays or anytime.If you just wish to kick back and enjoy a turn key, fully equipped 4 star log chalet just 20 minutes to Mont Tremblant..... Pour un weekend, des vacances ou quelques jours de repos en famille ou entre amis, pensez à réserver votre chalet 4 étoiles à Kanata-Tremblant. Des chalets a louer Call us today at 1-877-734-3414 or visit [email protected] www.KanataTremblant.com Appelez-nous au 1-877-734-3414 ou écrivez-nous : [email protected] 12 YounG at Heart August 2014 Waterton’s diversity fascinates Watson, who appreciates the highest ridges of the park equally to the protected, sheltered valleys where wildflowers bloom. During our July ride, we ascended Avion Ridge which, at almost 2,500 metres, offered spectacular views of range upon range extending to the horizon. Watson sighed, murmuring “I’ll never tire of this view!” Indeed: who would? Because protection of the Continental Divide was a major reason for the establishment of Waterton, it was a special thrill to “ride the Divide” that height of land where to the west, watersheds flow to the Pacific and eastwards to Hudson Bay. We ascended from the forested Lone Lake Campground using the South Kootenay Trail, then slipped in and out of Waterton and BC’s adjoining Akamina Kishinena Provincial Park while on the Great Divide Trail. From an elevation of more than 2,000 metres, we gazed down a heady 300 metre drop to the campground area. All the while, Watson recounted stories and history. “The South Kootenay trail is where Kootenay First Nations crossed into the prairies to trade and hunt bison,” he said. His comment resonated. Waterton’s human history dates from 10,000 years ago when nomadic people followed herds of bison, the animal which provided them with food, clothing, tools as well as spiritual sustenance. While riding on Waterton’s shared trail network, we passed mountain bikers, hikers, and families enjoying leisurely picnicstrolls. Bikers cycled to gain altitude, then locked their bikes to trees to continue on foot to high-altitude destinations such as Goat Lake. Many hikers carried backpacks to designated campsites so they could linger amid the mountain ridges and alpine meadows. Goat Lake lived up to its name. Using binoculars, I spied a male mountain goat, picking his way along a seemingly impossible vertical rock face. Joining me, Watson gasped, “Look over there! There’s a herd!” We watched, captivated as little kids Small sizes : Under 50mm jumped about, while their mothers calmly negotiated the rocks. As all good things come to an end … sadly we returned to the stables. Wanting our creature comforts, we stayed overnight at the Prince of Wales Hotel, a National Historic Site perched on a windy bluff overlooking Waterton Lake. With views extending to Montana, we wished we could linger, to take the boat ride to Crypt Lake trailhead … touted as one of the world’s best hikes. It’s on the bucket list… Onward ho! Head-Smashed-In Buffalo Jump awaited, a World Heritage Site celebrating the crucial relationship between bison and indigenous peoples. A video notes that 6,000 years ago bison were stampeded over this site’s 10-metre-high cliffs to their deaths. After the creatures were butchered, their skins were cured for clothing and tipis, their meat dried, and bones fashioned into tools. Returning to Calgary through nowfenced farmland, it saddened us to think of how the vast herds of 40 million bison were quickly reduced to a thousand or so individuals after European contact. Want to truly experience the wild west? Alberta beckons. If you go • Travel Alberta: www.travelalberta.com • Parks Canada: www.pc.gc.ca/eng/index.aspx • Bar U Ranch: www.pc.gc.ca/eng/lhn-nhs/ab/baru/ index.aspx • Waterton Lakes National Park: www.pc.gc.ca/eng/pn-np/ab/waterton/ intro.aspx • Alpine Stables: www.alpinestables.com • Prince of Wales hotel: www.pc.gc.ca/eng/pn-np/ab/waterton/ natcul/natcul4.aspx • Head-Smashed-In Buffalo Jump: www.history.alberta.ca/headsmashedin/ Katharine Fletcher is a keen outdoorswoman who is happiest when exploring on horseback. Read her blog at katharinefletcher.com Y@Hathome Cool recipes for patio entertaining Chef-approved summer salsa recipe Three secrets to a sensational burger A tasty BBQ sidedish By Chef Matt Basile Fussy food isn’t right for dining al fresco. Instead, simple, easy and fresh is the mantra of patio entertaining this season. That’s why chefs and home cooks alike turn to everyday party favourites like tortilla chips as an easy solve for speedy and delicious summer-time dishes. Kevin Prendergast, the executive chef at the Toronto Hilton says adding seasonal or tropical fruit to something you’re already serving, like salad or salsa, can create an instant taste twist that your guests will enjoy. “Patio entertaining is about keeping it simple and light with seasonal snacks that suit almost every taste,” says Prendergast. “This time of year Canadians have access to an incredible array of summer flavours, so with a little creativity, it’s easy to put a fresh spin on a salsa by using fruit to create a dip paired with tortilla chips, or a condiment topper for barbecued foods like grilled fish.” Get your inspiration for fruit salsa from the beautiful colours found in the produce aisle of your local grocery store. Try mixing spicy salsa with watermelon or lime salsa with blueberries for a refreshing combination that will delight your guests. Having a go-to source for your recipes is also an easy way to come up with ideas of what to serve when time is of the essence. Simple Mango Salsa Serves 8 people / Time: 10 minutes Ingredients: 1 ripe mango 1/4 cup (50ml) chopped onion 1/3 cup (75 ml) Tostitos salsa 1 bag Tostitos tortilla chips Directions: • Cut the mango in little cubes. • Combine mango, onion and salsa in a serving bowl. • Serve immediately with Tostitos chips. For more recipe ideas visit www.toastitos.ca Crispy tortilla strips are a nice twist on the usual crouton. They stay crisp a surprisingly long time even once tossed in with the salad, making this a great BBQ potluck contribution. Mexican Tortilla Salad with Lime and Jalapeno Makes 9 servings Ingredients: 8 cups (2 L) shredded romaine lettuce 2/3 cup (150 ml) julienned sweet yellow pepper 2/3 cup (150 ml) halved grape tomatoes 1/2 cup (125 ml) drained and rinsed canned black beans 1/3 cup (75 ml) julienned red onion 2 tbsp (25 ml) seeded and minced jalapeno pepper 1/2 ripe avocado, diced 1/4 cup (50 ml) olive oil 2-½ tbsp (32 ml) fresh lime juice 1/2 tsp (2 ml) salt 1/4 tsp (1 ml) freshly ground black pepper 1-¼ cups (300 ml) PC Tortilla Strips Salad Topper – Chili Lime 2/3 cup (150 ml) chopped fresh coriander Directions: • In large bowl, combine romaine, yellow pepper, grape tomatoes, black beans, red onion, jalapeno and avocado. • Gently toss together until mixed. • Drizzle with oil and lime juice. • Sprinkle with salt and pepper and toss again. Add tortilla strips and coriander; toss gently and serve immediately. More recipe ideas are available online at pc.ca – News Canada Absolutely any time is the perfect time to bite into a juicy, flame-grilled burger oozing with a mixture of flavourful toppings that are readily available in your fridge and pantry. From the zest of a hot pepper to the tang of a relish and crunch of a delicious Bick’spickle – the possibilities are endless. As owner and chef at the Fidel Gastro food truck, here are my three secrets to a sensational burger: Mix it up: I often combine chuck and brisket meat, but a mix of ground beef and pork also works well. My staple seasonings are salt, pepper and paprika. Use your hands to combine everything and shape into patties. Pre-chill then grill: Chill burgers in the fridge for about an hour. This will keep the meat from falling apart when you fire it on the grill. Flip only once to prevent the meat from drying, at five to six minutes (per side) for a medium burger. One of my favourite burger recipes is for the Stampede Slider. Anyone with a hearty appetite will enjoy a juicy beef burger glazed with barbecue sauce, hot pepper rings and topped off with a deep fried baby dill pickle. This burger is guaranteed to become a year-round staple. Stampede Sliders Prep Time: 5 minutes / Makes: 1 burger 1 slider bun, toasted 1 tbsp (15ml) barbecue Sauce 1 tbsp (15ml) Bick’s Zesty Onion Relish 1 small, cooked beef burger topped with cheddar cheese, melted Bick’s Hot Pepper Rings Bick’s Yum Yum Sweet Pickles 1 tsp (5ml) finely chopped onions 1 deep fried Bick’s Garlic Baby Dill Pickle Freezing: not recommended Tip: to fry pickles, quarter a garlic baby dill pickle, toss in flour seasoned with chipotle chili powder, dip in egg and dip in seasoned breadcrumbs. Fry in oil on all sides until crispy. You can find this recipe and more at www.bicks.ca. YounG at Heart August 2014 13 Four kitchen fixes for great compliments No matter if you’re an aspiring chef or TV dinner connoisseur, if the look of your kitchen makes you want to dine out it may be time for an upgrade. The kitchen should be the heart of your home where you entertain, hold family meetings and even pay bills. So why not take it from make-do to magnificent? Nothing reinvigorates a home like a newly remodeled kitchen, but it’s true that the costs to completely renovate this room can add up quickly. In fact, according to the National Kitchen and Bath Association (NKBA), kitchen projects can range from less than $20,000 to more than $100,000, so it’s best to think of renovating this space as K A N ATA L A K E S A PA R T M E N T S Discover the Difference Newly Released Suites Distinctive Apartments First Class Living in the Heart of Kanata Priority Viewing 613.913.9555 1145 Maritime Way, Kanata Monday to Friday 9 am - 5pm Saturday & Sunday 10 am - 5 pm an investment. Here are five “must-do” updates that ensure your remodeled kitchen will earn compliments from anyone who enters. 1. Faucet facelift The sink area is among the most hardworking of kitchen spaces, and the faucet in particular, gets the most grueling daily workout. Because of its constant use, updating the faucet will immediately improve the function and look of your prep space. To easily obtain a contemporary look in the kitchen, the new Tilt pullout kitchen faucet from Moen is the ideal choice for homeowners wanting to create a sleek and chic statement at the sink. Tilt offers compact, modern styling that works well in any size kitchen. It’s also offered in two ontrend finishes: Chrome and Spot Resist Stainless, which helps the faucet stay visibly cleaner, longer. And don’t just stop with the kitchen faucet. Fixtures such as built-in soap dispensers or beverage faucets can further the functionality and improve styling at the sink. In fact, research shows that more than one-third of homeowners remodeling their kitchens are interested in beverage faucets with filtration systems, as well as matching soap dispensers. 2. Amp up accessories Much like fashion, accessories can make a room. Think of hardware as the finishing touch to make your space feel polished, but also serve a purpose. To start, easily answer the ageold question: “Where’s the dish towel?” Most homes don’t have a convenient place devoted to hanging this commodity in the kitchen. For a stylish solution, install accessories such as hooks, towel bars or towel rings on the side of an upper cabinet, the end of the island or in other work areas. Next, think of the sink: accessories such as colanders and cutting boards can now fit seamlessly into the sink to help make meal prep and clean up a breeze. 3. Enhance the lighting KanataLakesApartments.com Lighting is a critical element in kitchen design, both for its decorative and functional benefits. But not all lighting is created equal; the best way to enhance the room is to install custom lighting to suit your kitchen’s needs. It can also make the space look roomier and more elegant. With styles ranging from incandescent bulbs with vintage glass shades to ultra-chic halogen cones, hanging pendants are popular ceiling fixtures for the kitchen. For an instant update, install pendants over an island or countertop where the low-hanging fixtures won’t interfere with traffic flow. 4. Add personality After tackling your kitchen updates, be sure to treat yourself and your kitchen to something nice. Adding something pretty like a bouquet of flowers, new linens, or a bright new tea pot will bring life into the space. You can also jazz up your kitchen with lively artwork. Whether it’s a professional painting or fun vintage posters, artwork helps complete your renovation. Before starting demolition on your kitchen remodel, make sure the design is a reflection of you. By following these five steps, not only will you have a kitchen that complements your lifestyle, you will also draw plenty of compliments from family and friends. Waterproofing, Structural & Crack Repair FREE Estimates! Get your foundation fixed at our special summer rate! 613-225-6322 We pay the HST!* *on work up to $10,000 14 YounG at Heart August 2014 “Ask about our video testimonials” 25 Year Warranty www.ottawafoundationcontractors.com Ottawa East CLASSES + WORKSHOPS Get CREATIVE this fall! Pottery . Dance SHENKMANARTS.CA 613-580-ARTS (2787) RESIDENT PROGRAMMING PARTNERS Ottawa West VISUAL ARTS . MUSIC ThEATRE Special Interest The City of Ottawa’s Arts Centres offer hundreds of courses and workshops for all skill levels in a variety of disciplines. While most are available to all ages, there are many of particular interest to older adults. Nepean Creative Arts Centre ottawa.ca/ nepeancreativeartscentre 613-596-5783 Nepean Visual Arts Centre ottawa.ca/ nepeanvisualartscentre 613-580-2424 ext. 46652 YounG at Heart August 2014 15 Underwritten by The Manufacturers Life Insurance Company. LUCK ISN’T ENOUGH. Visit medipac.com or call 1-888-MEDIPAC. 16 YounG at Heart August 2014 2014MS Medipac ad YaH 10.35x11.indd 1 08/08/2014 11:45:15 AM