DAN REICH An Alberta Success Story

Transcription

DAN REICH An Alberta Success Story
VOLUME 11.14
Medicine Shoppe
pg. 6
When MP’s Cower
pg. 23
Coverage of Medicine Hat’s First
Couture Fashion Show
pg. 25
DAN REICH
An Alberta Success Story
1
Photography by Joan Bateman Gainsboro Studio
Tumbleweeds
RESTAURANT
Lunch
Greek Night
Monday to Friday Sunday and Monday
11:30am - 2:00pm
Mitchell St. Liquor Store
#2, 631 South Railway Dr. NE Redcliff • (403)548-0044
A Wide Selection for Every Occaision!
Private Function, Birthday
or Special Event Today!
for our special guests 55 plus
value features
delicious meals made just for you
z Ins Agcy Ltd
Crystal
Metz Ins Agcy Ltd
z,
etzAgent
Ins Agcy
Ltd
Crystal Metz, Agent
ns
Canada
WayTrans
SECanada Way SE
etz,
Agent2-1335
Medicine
Hat, AB T1B 1J1
at,
T1B
1J1
ansAB
Canada
Way
SE
Bus: 403-526-1345
26-1345
Hat, AB T1B
1J1
State Farm, Aurora, ON
1211999CN
526-1345
ON
Dinner salad or cup
2301 Trans Canada Way Southeast
of soup just $2.49
ith
ora, ON
Cherie Martens
i ense
Owner/Business Manager
2
a es
r
essi na
té
Earnie Taylor
er i e Manage
r
Christmas Wishes
THIS ISSUES
CONTENTS
Cover Photo Credit: Gainsboro Studio - Joan Bateman
A Alberta Success Story
-Scott Cowan
Page 6
When Is It Time to Make Portfolio Changes
-Edward Jones
Page 17
Personal Tax CalendarPage 22
-Dan Hein When MP’s Cower - Scott Cowan
Page 23
Collecting Section Seven Expenses
-Scott Stenbeck
Page 19
Government Action PlansPage 21
-LaVar Payne, MP
SPOTLIGHT
MAGAZINE
EDITOR
SCOTT COWAN
(403) 504-7092
PHONE
(403) 504-7092
ART DIRECTOR
JOAN BATEMAN
[email protected]
SALES
OREST TKACHYK
(403) 878-3260
DESIGNER
CARL GEORGE
EMAIL
ADDRESS
377 - 4 Street SE
Medicine Hat, AB T1A 0K4
For a complimentary
subscription to Spotlight,
forward your email to:
[email protected]
Published and Printed by
Spotlight Magazine
Disclaimer: No responsibility can be taken by Spotlight Magazine for any
errors or omissions contained herein. Furthermore, responsibility for any
losses, damages or distress resulting from adherence to any information
made available through this magazine is not the responsibility of Spotlight
Magazine. The opinions expressed are those of the authors and do not
necessarily reflect the views of Spotlight Magazine. Comments are welcome.
Medicine Hat New York Style Couture Fashion Show Pages 25 - 30
3
You have lots of priorities and ideas for
making the most of life. Let’s start bringing
your retirement strategy into focus.
We will review:
• Yoursavingsstrategytohelpyoureachyour
retirementgoals,includinghowinflationcanaffect
yourretirementplans
Openingan
EdwardJones
Registered
RetirementSavings
Plan(RRSP)and/
orTax-FreeSavings
Account(TFSA)
isagreatstart.
• Y
ourrisktoleranceandinvestmentstrategythat
helpsyoumeetyourshortandlong-termgoals
An Edward Jones Advisor can help you take simple
AnEdwardJonesAdvisorcanhelpyoutakesimple
steps today to help you get ready for the future, and
stepstodaytohelpyougetreadyforthefuture.
develop an investment and savings strategy that
helps you achieve your goals.
Let’s set aside some time to review your retirement strategy. Call today.
Jackson D Woodruff
Financial Advisor
.
2 B-40 Strachan Court S E
Medicine Hat, AB T1B 4R7
403-504-0550
4
IRT-8194-C-A2 NOV 2013 © 2013 EdwARd JONEs. All RIghTs REsERVEd.
www.edwardjones.com
Member – Canadian Investor Protection Fund
5
D
an Reich featured on our cover this month was born and raised in our Province. Spotlight is pleased to
report he was the recipient of the Professional Achievement Award in 2012 & 2013, and is a finalist for
2014. This prestigious accolade is awarded annually in recognition of outstanding service or contribution
to the advancement of pharmacy. This achievement is awarded at the National Medicine Shoppe Pharmacy Convention. The Medicine Shoppe brand includes 200 pharmacies across Canada.
Dan graduated in 1995 from the University of Alberta. He pursued further education becoming a student after 19
years, reaching for his Doctor of Pharmacy through the University of Florida. Currently Dan is the owner/pharmacist of Medicine Shoppe Pharmacy in Medicine Hat. He shares responsibilities with co-owner and pharmacist
Allana Scott, co-owner for 9 years. The Medicine Shoppe is certified in the Province of Alberta to inject medications
and vaccinations. This is not the case with every one of his competitors. Talking with The Medicine Shoppe I discovered Dan also has received additional prescribing authority to initiate previously undiagnosed drug therapies.
This provides clients with a lot more than, “just a drug store.” Medicine Shoppe is conveniently located in the Carry
Drive medical clinic. This allows prescriptions to be filled in a one stop shop scenario. Who wants to go elsewhere
when not feeling your best?
I
f you’re considering a trip to Africa, the Far East, or a tropical rainforest, you for sure want to receive the proper
immunizations. Medicine Shoppe is the only pharmacy in our area that has received a certificate in Travel Health.
This designation is awarded by the International Society of Travel Medicine. Allana has now received this designation to better serve clients. She takes a special interest in adventure and wilderness medicine. For example Mt.
Everest treks. Medicine Shoppe specializes in on one counselling regarding areas of the world where real health
dangers exist. Keep in mind while on a cruise excursion, a vaccination can save your health. We rely on the sanitary
conditions on board. While forgetting we get off the ship in some exotic or threatening environments.
F
or those squeamish about injections, you should know Medicine Shoppe has also earned a certificate in patient
care skills. This designation is awarded by the Canadian Pharmacists Association. Based on the abundance
of certifications and educational awards, Medicine Shoppe has been the
designated site for two provincial pilot projects. The first project being
the collaboration of pharmacist’s prescribing with physiotherapists,
for pain management. The second pilot designated being the Alberta
Pharmacy Practice Models Initiative. This was the basis for the
new funding model for pharmacies across the province. They are
also the study site for pharmacist prescribing for hypertension in rural communities. These and numerous other
reasons led to Medicine Shoppe becoming a
participant in university of Alberta study
on pharmacist prescribing practice
views. Medicine Shoppe specializes in pain management, hormone
replacement therapy and is certified
by the University of Florida in both
disciplines.
M
any suffer from smoking addictions, starting from their youth
till today. The good news is that Dan
is an instructor for Catalyst (Smoking Cessation in Everyday Pharmacy)
training pharmacists and pharmacy students in Alberta. If you need help quitting, give Dan a call.
Medicine Hat has a large retirement community. It is very good
news that The Medicine Shoppe provides continuing education
to pharmacists, nurses, and physicians on Anaphylaxis, adult
vaccinations and cold and flu prevention.
S
potlight was thrilled to learn of a local business, and success
story, offering the community such excellent service and
quality of care. Moreover, we feel delighted to share with our
readers the valuable information about these and other such
leaders in
our city.
6
Photo Credit: Joan Bateman - Gainsboro Studio
7
Stress-free, with a
Comprehensive Adu
• Orthodontics
• Local Surgery Available
• Implants, TMJ
• Crowns
& Bridges &
Quality,
Restorative
Bringing Healthy Smi
Quality, Restorative &
We offer
more options than
you ever
Stress-free,
with
aa rr
Stress-free,
with
using advanced ma
Comprehensive
Adult
Comprehensive Adult
•
•
•
•
•
•
•
•
Orthodontics
Orthodontics
Local
Surgery
Available
Local Surgery Available
Implants,
TMJ
Implants, TMJ
Crowns
&
Bridges
Crowns & Bridges
We
offer
more
options
than
you
ever
dr
We offer more options than you ever d
using
advanced
mate
using advanced mate
8
200 – 1899 Dunmore Road, SE
Medicine Hat, AB T1A 1Z8
Few dental practices offer
a relaxed atmosphere.
ult & Children’s Dentistry
• Dental Hygiene
e • Dental Benefits Accepted
• General Anesthetic
Treatment
& Cosmetic
dental care
iles for Over 30 Years
& Cosmetic dental care
r dreamed possible
with today’s dentistry
relaxed
atmosphere.
relaxed
aterials and atmosphere.
techniques
&
Children’s
Dentistry
& Children’s Dentistry
••
••
••
Dental
Hygiene
Dental Hygiene
Dental
Benefits
Accepted
Dental Benefits Accepted
General
Anesthetic
General Anesthetic
Treatment
Treatment
reamed
possible
with
today’s
dentistry
dreamed possible with today’s dentistry
erials
and
techniques
erials and techniques
www.CrestwoodDental.ca
Phone: 403.526.0777
Fax: 403.529.2137
Toll Free: 1.877.526.0777
[email protected]
r patients the complete range
9
Sun
1750 Gershaw Drive
Sun Country Nissan is conveniently located in Medicine Hat, Alberta, right across from the airport. Sun Country Nissan
offers the area’s largest selection of New Nissan vehicles and pre-owned cars, trucks, vans and SUVs .
10
Country Nissan
Medicine Hat, AB
1 (866) 318-8446
Our dedicated sales staff and top-trained technicians are here to make your auto shopping experience fun, easy and
financially advantageous.
11
APEXLUXE Luxury Logistics,
providing WORLDWIDE Jet Charter
Services, Elite Concierge and
Executive ground transportation.
New York, Los Angeles, Miami
Our dedicated services will
make your request a reality!!!
APEXLUXE Luxury
Logistics
[email protected]
+1-305-308-8770 (Brad)
12
Southern Alberta's Largest Hotel & Convention Centre
187 Deluxe Guest Rooms
34 Luxury Suites Alberta Massage & Spa Stunning Courtyard
Indoor Waterslide Park Banquet & Meeting Facilities Casino
Elements Entertainment Lounge Buffet Restaurant
Exercise Room Hair Salon
Gift Shop Plus Much More!
1051 Ross Glen Drive SE Medicine Hat
AB
T1B 3T8
1-800-661-8095 www.medhatlodge.com
13
Dr. Bryan Murray
Changing the Lives of Our Patients
25 years of experience!
$1900.00 single tooth implant
plus crown and grafting.
Call today for your free consultation
Why Us?
Just a short drive away
Convenient Location
Free parking
1.877.910.2396
wheelchair accessible
abledentalgroup.com
Monthly payments to fit your budget
Able Dental Group offers warm, safe
memories, because under anesthesia
there are no memories at all.
Competitive pricing
Direct bill to dental insurance
Sleep dreamily through dental procedure
Dental implants and restorative dentistry
24 hour emergency
General Dentist
14
2B-40 Strachan Court S.E. Medicine Hat, AB
Bus: 403-504-0550 Fax: 877-335-9404
[email protected]
www.edwardjones.com
Edward Jones, its employees and financial advisors cannot
provide tax or legal advice. You should consult your attorney
or qualified tax advisor regarding your situation.
When Is It Time to Make Portfolio Changes?
T
he kids are back at school and summer vacations are now just fading memories, so it must
be autumn. But the seasons don’t just move on
the calendar — they also change in your life.
And, speaking of changes, you’ll have to make many of
them as you move through the years — and that includes changes to your investment portfolio. But how
will you know when it’s time to take action?
Just as Mother Nature sends out “signals” to indicate a
change in seasons — blooming flowers, falling leaves,
warmer or colder temperatures, longer or shorter days
— your portfolio will frequently “tell” you when you
need to make adjustments. Here are a couple of indicators you may want to heed:
Out-of-balance portfolio
Even the best stocks can lose value when the overall
market is down, but if you only own stocks, you could
take a big hit during a downturn — and if it happens repeatedly, you may find it hard to even stay invested. After all, stocks will always fluctuate in value, and you may
lose principal. You can at least help prepare yourself
against for market volatility by balancing your portfolio
with a mix of stocks, bonds, GICs and other investments,
with the percentage of each type of asset based on your
individual goals, time horizon and risk tolerance.
“Overweighting” of individual investments
Related to the point made above, you can also have too
much money kept in a single investment, such as an individual stock or bond. Sometimes, this “overweighting”
can happen almost on its own, as when a stock, or stockbased vehicle, has increased so much in value that it
now takes on a larger percentage of your portfolio than
you had intended — possibly bringing with it more risk
than you had intended, too. As a general rule, no single
stock stock should take up more than a small percentage, about 5%, of your entire portfolio.
Your own life may also send you some messages regarding changes you may need to make to your investment
and financial strategies. Here are just a few of the milestones that may trigger necessary moves:
New child
You’ll need to review your life insurance to make sure
it’s sufficient to help provide for a newborn or newly
adopted child, should anything happen to you. You may
also want to begin investing in post-secondary savings
vehicles, such as RESPs.
New job
Assuming your new job offers you a retirement plan,
such as a Group RRSP or similar vehicle, you’ll have
some choices to make. How much can you afford to contribute? How should you allocate your dollars among
the investment choices offered in the plan? How can
you best integrate your personal RRSP or other plan
into your overall investment portfolio to avoid duplication?
Impending retirement
As you enter retirement, you may want to adjust your
portfolio to help reduce its short-term fluctuations and
to provide more current income opportunities. At the
same time, you may still need to invest for growth —
you could be retired for two or three decades, and you’ll
need to stay ahead of inflation.
Pay close attention to the messages coming from your
portfolio — and from your life. These “signals” will
give you a good idea of when it’s time to make investment-related moves.
Member – Canadian Investor Protection Fund.
15
16
While under new management the Chippewa Cree Tribal Community is
hoping you’ll visit and experience the great enjoyment shared by all our
customers. We also offer our Wheel Spin 7 days a week, where one lucky
customer EVERY HOUR has a chance to win up to $10,000 and on given days
even more!
17
LYNNETTE SCHILE (403-581-8075)
www.WTEVacations.com
417 3rd St. SE, Medicine Hat, AB
1018 Allowance Ave. S.E., Medicine Hat, AB, T1A 3G8
WWW.CITYSIGNSANDCANVAS.CA
18
CROSSWORD
PUZZLE
Across
1. Afficionado
4. Corrosive substance
8. Not working
12. Additional
13. Type of shape
14. Gathering
16. Finishing line
17. Dainty
18. Type of duck
19. Doctrine
21. Weapons
23. Used for emphasis
24. Female chicken
25. Marketplace
27. Mature
29. Tie or secure
30. The night before
31. Flow out
34. Sharpness
37. Appear
38. Small vegetable
39. Agressive remark
40. Nothing
41. Prejudice
Down
1. Visual signal
2. Poplar tree
3. Requirement
4. Perform
5. Person lacking courage
6. Not active
7. Consider
8. Frozen water
9. Thrust
10. Valuable ore deposit
11. Pitcher
12. Engrave
15. Free from liquid
20. Leave out
22. Rescue
26. Unspecified amount
28.
29.
30.
31.
32.
33.
34.
35.
36.
37.
40.
41.
43.
44.
45.
46.
49.
Jewel
Napkin
Snakelike fish
Long narrative poem
Boyfriend
Male singing voice
Assist in a crime
Metal inclosure
Impulse
Transgression
Mesh
Saloon
Nocturnal bird
Thaw
Be unwell
Root vegetable
Metal container
50.
51.
52.
53.
54.
55.
56.
57.
59.
61.
63.
65.
42. Before or after
the chicken?
43. Portent
45. Counting device
47. Golf pin
48. Soaked
49. Layer
50. Unwell
51. Heap
52. Fairy
55. Kitchen appliance
58. Slender
60. Sum
62. Range
64. One time
66. Virtuous
67. Result
68. Remain
69. Border
70. Limited period of
time
71. Tincture
72. Indicating
maiden name
Become liable to
Spotted horse or pony
Musical exercise
Garment size
Run away
Metal-bearing mineral
Part of a volcano
Facilitate
Vast multitude
Overt
Stitched border
Organ of sight
Answers on page 24
19
LAVAR PAYNE
MP, Medicine Hat, Alberta
O
The House of Commons Agriculture Committee has been
studying the Agricultural Growth Act, an important law
that will amend the Plant Breeders’ Rights Act among
many others. This will bring Canada in line with most of
our major competitors, such as the United States who have
adopted the UPOV 91 convention, which strengthens the
rights of plant breeders. It’s important to note that the Agricultural Growth Act will explicitly allow farmers to save
and use their own seed in subsequent years. Our CommitThe Universal Child Care Benefit (UCCB) provides all fam- tee heard overwhelming evidence that organizations in the
ilies with $100 per month for each child under the age of Ag sector are in favor of this legislation.
six. The UCCB will increase by adding additional $60 per
month for a total of $160 per month per child for these The other important Bill is C – 43 our 2014 Budget Implefamilies. Under this plan every family with children will mentation Act. This will allow for our Government to enhave more money in their pockets so they can decide how sure that the items in Budget 2014 can proceed to become
to spend these monies; this is in the best interest for their law. It will also allow for those expenditures to be dispersed
families. Currently this benefit provides direct support to as announced in the Speech from the Throne and Canada’s
approximately 1.7 million families with young children.
Economic Action Plan Budget 2014 already presented to
the House of Commons. A few items in this Bill include the
As part of this announcement our Conservative Govern- Small Business Job Credit, simplifying the Tax system for
ment is also introducing a new benefit of up to $720 per Farming and Fishing Businesses and extending the existyear for children ages six through seventeen. In addition ing Tax Credit for interest paid on government-sponsored
we will double the Children’s Fitness Tax Credit up to a Student Loans.
maximum of $1,000 per year.
I continue to diligently and conscientiously serve the peoAdditionally, our Government is fulfilling our promise ple of the Medicine Hat Constituency – from Bassano and
for the Family Tax Cut. Those with a higher income can Brooks, Vauxhall and Taber, to the Saskatchewan and U.S.
transfer up to $50,000 of taxable income to a spouse in a borders. If you have any questions, comments, or concerns,
lower tax bracket. The credit will provide tax relief capped I welcome your calls, emails and conversations; you can
at $2,000 for couples with children under the age of 18, reach me in Ottawa, or through my offices in Brooks, Taber
effective for this 2014 tax year. Currently with our Govern- and Medicine Hat.
ment’s reduction of federal taxes, the average family of four
is better off by $3,400 per year than under the previous
government. Canadians are now paying less in taxes than
those who paid taxes in the 60’s. These new tax reductions
will have no impact on provincial or territorial tax revenues.
ur Conservative Government believes Canadians
are more prosperous when they have money in
their pockets rather than Government coffers.
And parents are best able to decide which kind
of childcare works best for their family. We continue our
efforts to provide tax breaks for families and that’s why
Prime Minister Harper recently announced further major
tax cuts for Canadian Families.
Our Government has been reducing taxes while continuing
to move towards a balanced budget in 2015. We have done
this without impacting Federal Transfers to Provinces and
Territories. In fact we have increased transfers for Health
Care, Social Services and Education to the Provinces and
Territories since we have become government.
Our fall session of Parliament is well under way with a large
number of Government Bills under discussion to move
Canada’s business forward. A couple of important Bills
are Bill C – 18, Agricultural Growth Act, (related to Plant
Breeders Rights) and Bill C – 43 Budget Implementation
Act.
20
Contact us for your complimentary all
inclusive Mexican vacation for two
[email protected]
ian nimeck
cell/text: 403.501.1108
An Opportunity For Motivated Individuals
21
2015 – Personal Tax Calendar
Tax planning should be a year round event – otherwise you limit the opportunities to minimize your overall tax bill.
Here is a monthly calendar to keep you on track for tax planning.
January TIP: Make a 2015 TFSA Contribution
July TIP: Income Splitting Opportunities
Start the year off right by making your 2015 Tax-Free Savings
Account (TFSA) contribution. TFSA contributions are currently
$5,500 annually and any unused contribution room (dating
back to 2009 when TFSAs were first introduced, or the year you
turned 18) can be carried forward and used in a future year.
Under the Canadian tax system, the more you earn, the more you
pay in income taxes on incremental dollars earned. With this in
mind, it may make sense to spread income among family members
who are taxed at lower marginal rates to lower your family’s
overall tax burden, subject to the income attribution rules.
February TIP: Filing your income tax return early can be
tempting, especially if you’re expecting a refund, ensure you’ve
received all your tax slips before you file. If you receive tax slips
after you file your return, you’ll need to file a T1-ADJ/TP-1R form
to amend your tax return.
As the new school year approaches, consider whether your education
plan would receive an “A” or “F.” Starting a dedicated education
savings plan while children are still young helps ensure you have the
funds necessary when they begin their post-secondary studies.
March Deadline for making your Registered Retirement Savings
Plan (RRSP) contribution for the 2014 tax year. March 1
TIP: Consider making your 2015 RRSP contribution at the same
time, instead of waiting until early 2016, so that the funds begin
growing tax deferred inside your RRSP sooner. The maximum
RRSP contribution limit for 2015 is $24,930.
April U.S. Citizens Living in Canada - U.S. tax filing deadline
April 15th. This is in addition to your Canadian income tax
return that you must file as a Canadian resident by April 30th.
(other than self-employed individuals and their spouses or
common-law partners).
TIP: Children with Earned Income - Unused RRSP contribution
room can be carried forward indefinitely. File a personal
income tax return for children with “earned income” (i.e.,
from a part-time job) so that they can start accumulating RRSP
contribution room.
May TIP: Review Your Estate Plan Your estate plan should
include an up-to-date Will that reflects your wishes and names
an appropriate executor(s), a Continuing or Enduring Power
of Attorney for Property in the event of mental or physical
incapacity, and a Power of Attorney for Personal Care to address
medical, home care and end of life decisions. Further, your estate
plan should be reviewed whenever there is a change to your
personal situation, such as a birth, death, incapacity, retirement,
marriage, divorce, a change in residency, significant increase or
decrease in wealth or sale of a business.
August TIP: Planning for Your Child’s Post-Secondary Education
September – your month off!
October TIP: Your RRSP Maturity Options
If you turned or will be turning age 71 in 2015, or are planning
to retire next year and will be using your Registered Retirement
Savings Plan (RRSP) to supplement your pension and government
benefits, make sure you’ve considered your RRSP maturity
options. You can withdraw the cash proceeds from your RRSP,
purchase a Life Annuity or transfer your RRSP to a Registered
Retirement Income Fund (RRIF).
A RRIF may be your best choice if you want to continue to
manage your investments and give yourself maximum flexibility
in terms of structuring your retirement income. You are required
to withdraw a minimum amount each year and can choose when
and how your withdrawals are paid.
November TIP: Tax-Loss Selling Review your non-registered
portfolio now to consider the sale of securities with accrued
losses before the end of the year to offset capital gains realized
in the year, or in the three previous taxation years (if net capital
loss created in current year). Be aware of the superficial loss
rule that will deny the capital loss on the sale of an investment if
repurchased within 30 days by you, your spouse (or common-law
partner) or other affiliated entity.
December TIP: RRSP Conversion for Individuals Turning
Age 71 in 2015
June - FBAR (Foreign Bank and Financial Accounts) Reporting
for U.S. Citizens Living in Canada - Deadline for U.S. citizens
living in Canada to FBAR Report with the IRS, to provide details
on any foreign bank accounts and other financial accounts held
outside the U.S. June 30.
Deadline for winding-up your RRSP if you turned 71 this year.
If you have unused RRSP contribution room available, consider
making your 2015 RRSP contribution before the end of the year.
In addition, if you received earned income in 2015 that will
generate RRSP contribution room for 2016, consider making
a 2016 RRSP contribution early – in December 2015 before
collapsing your RRSP. While you’ll be charged a one per cent
penalty tax for the month of December, the tax savings on your
RRSP contribution (which can be claimed on your 2016 tax
return) should exceed the penalty tax.
TIP: Putting Your Income Tax Refund to Work If you received
an income tax refund this year, use the funds to make an RRSP/
TFSA contribution or pay down debt.
Charitable Donations Deadline for making a charitable donation
that will be claimed for the 2015 tax year. TIP: Donate appreciated
publicly-traded securities instead of cash for enhanced tax savings.
For more information, contact:
Dan Hein, BRE
Associate Investment Advisor
BMO Nesbitt Burns Inc.
Medicine Hat, AB
Tel.: 403-528-6771
[email protected]
www.bmo.com/nesbittburns
® “BMO (M-bar roundel symbol)” is a registered trade-mark of Bank of Montreal, used under licence. ® “Nesbitt Burns” is a registered trade-mark of BMO Nesbitt Burns Inc. BMO Nesbitt Burns Inc. is a wholly-owned subsidiary of Bank of Montreal. The comments included in the publication are not intended
to be a definitive analysis of tax law: The comments contained herein are general in nature and professional advice regarding an individual’s particular tax position should be obtained in respect of any person’s specific circumstances. Opinions are those of the author and may not reflect those of BMO Nesbitt Burns.
The information and opinions contained herein have been compiled from sources believed reliable but no representation or warranty, express or implied, is made as to their accuracy or completeness. If you are already a client of BMO Nesbitt Burns, please contact your Investment Advisor for more information.
Member-Canadian Investor Protection Fund and Member of the Investment Industry Regulatory Organization of Canada
22
Canada is paying attention to
terrorist threats more closely
S
ince a lone home grown Muslim terrorist
murdered an unarmed service man. He then
proceeded on in to the House of Commons
to see how many politicians he could introduce to Allah.
Luckily, he was an incompetent, brainwashed, fool
who bought into the 70 virgins story. Consider what
might have happened if a trained force of say ten or
twenty men, with a plan, had attempted what this
one gunman accomplished? What if those men had
back packs full of C-4 explosives? Or worse, a cheaply made dirty bomb? It could have been Canada’s
911 World Trade Centre scenario. We should be asking what mosque this murdering fanatic attended?
Was it one of the 70% across North America fully
funded by Saudi Arabia? Which “student groups,”
did he frequent?
However, an incredible truth burst into the minds
of Liberal and NDP politicians. When they were the
targets getting shot at, they prayed for anybody with
a gun. When an armed man appeared who saved
their lives, it was a wonderful thing! When Kevin
Vickers shot the terrorist murderer dead, they were
relieved. We all saw the pictures of those terrorized
MP’s piling centuries old desks against a door the
shooter would enter. Some fashioned spears from
Canadian flags no less, to impale the terrorist if the
desks fell. Trudeau and Mulclair were peeing their
pants in terror. Wouldn’t it be” fair,” if all Canadians
who chose to, were afforded the benefit and protection of a tool called a gun. All could save their lives,
those of their children, and neighbors. Politicians
will pass legislation real fast for increased security
where they work. What about us?
The big questions I have to ask... did those Honorable Members have a license to carry those spears?
Had they taken a safe spear handling course? Did
those spears have a thrust and parry lock? Should
we legislate a spear registry and spend a billion tax
dollars? If the shooter had gained access, and MP’s
had fatally impaled him, would criminal charges
have been laid? None of them were police officers or
military. How dare they take the law into their own
hands? All had cell phones; they should have called
911 and waited.
Kevin Vickers crawled close enough to see the barrel
of the shooter’s rifle. He dove into the open John
Wayne style, turning in the air, simultaneously popping three rounds into the Muslim terrorists head.
He didn’t shoot him in the arm.
H
e didn’t tell him to drop his weapon, or
arrest him. He didn’t identify himself and
tell him to cease and desist. He didn’t try
to counsel him. He blew his brains all over those
illustrious hallowed halls. I for one, am glad he did.
It saved millions of tax dollars for prosecution and
imprisonment.
These same politicians would imprison any citizen
who shot someone in their house at night. Yet they
applaud the swift arm of justice in their own house.
They’re preparing to award Mr. Vickers Canada’s
highest civilian citation. I agree they should. But
the irony, the hypocrisy, is screaming for attention.
A law abiding person who protects their family, as
Kevin Vickers did frightened politicians, would be
jailed.
If MP’s who so chose, were allowed to carry concealed weapons they wouldn’t have needed to pile
antique furniture, or make spears to defend themselves. If whack jobs knew important dignitaries
were armed, (as are USA senators) this tragedy
would never have happened. You don’t see police
stations getting shot up, or Hell’s Angel’s clubhouses. Terrorist’s and common criminals prefer
soft unarmed targets such as schools, women, and
children, or government buildings. They avoid those
with equal or greater fire power.
This particular terrorist was of the dumb and stupid
variety. So we were lucky. Come on... only an idiot would think attacking Parliament alone, with a
30/30 lever action rifle is a smart idea. Those who
cultivate mentally vulnerable individuals, then turn
their religious fanatics loose, should be identified,
and deported. It’s time liberal Muslims stand up
and clearly advocate for peace with Israel, and tolerance for other religions.
If not only two questions need be asked for expulsion. Do you believe in or support those who fight
for the total destruction of Israel, and killing of
all Jews? Should infidels (Us) be enslaved or killed?
This is what the “religion of peace,” advocates. I’m
praying that politicians convert not to my beliefs,
just to common sense.
Comments: [email protected]
23
Collecting section
seven expenses
I
have written several times on
the kinds of things that can be
section seven additional expenses that are paid on top of
monthly child support. Sometimes another question
entirely, however, can be actually collecting them.
Firstly, with items that are not emergencies, generally
the courts want to see that the expense has been disclosed as soon as it is anticipated, and that an attempt
has been made to discuss it with the other side before
it is incurred. There are times that an expense is reasonable and would probably be collectible, but it is not
because it has not been discussed or consented to in
advance. Much of the case law in this area deals with
certainty to both parties, and avoiding unfair surprises.
The next item is to copy receipts for section sevens to
the other parent as soon as the expenses are incurred.
Without doing so, there is no proof the expense was
paid, and there is no obligation to pay. The courts also
discourage "hoarding" of receipts for extra expenses
and the surprise to the other parent where years of receipts and payment suddenly demanded. I have seen
numerous times where expenses have been disallowed
for this reason.
With a parent that is difficult to collect from, and
MEP becomes involved, there can be challenges
in collecting section seven expenses depending on
wording of the child support order. While it allows a
parent more leeway in claiming more potential expenses to not have a specific number for section seven
expenses, it can create difficulty with MEP in that they
sometimes will not enforce the payments if a number
is not specified. I generally advise support recipients
24
to get a ballpark amount for the section seven expenses, and just ask to put that amount in the order. That
way, if it isn't paid, the order is simple to enforce.
There can be some lag in between initiating a claim
and getting an order for support or to enforce section
seven expenses. It is important that even during that
time, a support recipient continue to send requests
and continue to request payment, and also continue
to give advance notice and request consent. I recommend doing this by email so there is a record. If section sevens aren't being paid as they should, a parent
can often get discouraged and "give up" in terms of
sending receipts and asking for consent. That opens
them up to an argument that those expenses should
not be contributed to period.
Something that always has to be borne in mind is that
all section seven expenses are in the discretion of the
court. The burden is on the parent claiming them to
not only show that they are appropriate section seven
expenses, but also to take the appropriate steps in
terms of notice, consent and receipts. However, once
these expenses are ordered and quantified, they are
every bit as enforceable as section three support, the
table support amounts.
Stenbeck Law Office
(866)783-6232
Crossword Answers
Scott Stenbeck
Designer: Laurie Elyse
Joey Kirchner & Mariah Watchman
Americas Next Top Model
Jordan Weisgerber Performer
Juanita Faas
Winner, The Great American Song writing contest, Honor Award (x2)
Nominated, the Los Angeles Music Awards (x2)
Nominated, GMA Canada, Covenant awards (x5)
Command Perfformance at The White House
Scott Stenbeck & Designer Olga Papkovitch
Photo Credit: Joan Bateman Gainsboro Studio
25
esigner:
Helen Oro
Designer
Nyxi Apparel
N
o v e m b e r 1 st 2 0 1 4 r e g
shift in social, cultur
ment opportunities in Med
The first annual Black and
Splash of Red Fashion Sh
The Medicine Hat Lodge.
Joey Kirchner
Alex Sparrow
26
gistered a seismic
ral, and entertainicine Hat.
Over two hundred patrons of the arts
were thrilled with this first New York style
high fashion couture event.
d White with a
ow was held at
Five collections by world renowned and recognized designers graced the runway.
Designer: Helen Oro
Randy Feere Soloist
27
B
etween each show star studded local talent offered entertainment, while models changed for
the following show. Local singing
sensation Randy Feere opened with
a strong uplifting rendition of “New
York New York.” Few voices can
compete with Randy. He was supported by Juanita Fass at the piano.
She has tickled the ivories in illustrious venues such as Carnegie Hall,
and even the White House in Washington DC. Bill Wahl completed the
package with eight pieces of brass.
H
elen Oro opened our show with
her designs, and customized
shoe creations. I met her last year
at Couture Fashion Week in New
York. I was proud to introduce Helen as a Canadian, and feature a
woman of aboriginal decent, in our
first high fashion offering to our city.
A
submitted
collection
by
Misty
Rain
Designs
was
next, setting a mood and standard for the rest of the evening.
28
Designer Olga Papkovitch
with International Model Joey Kirchner
J
ordan
Weisgerber
enchanted the audience after the
first collection, singing recognizable tunes that amazed. Local talent is abundant in our city,
and Jordan did herself proud.
R
ussian designer Olga Papkovitch wowed the audience
with her art transferred on silk
fabrics. Numerous patrons ordered pieces during the red carpet after party, and VIP photo op.
N
ew comer Nikita Coles of Nyxi
Apparels, an Alberta Red Deer
resident, stunned the audience with
an avant- garde collection of leather
creations. Definitely a young woman to watch in the coming years!
V
iolinists “Kaserica,” aka Ciara Hager and Kiarah Boughen, brought a classical dimension and beauty to the event with
strings that mesmerized listeners.
L
aurie Elyse of Washington DC finished
the show, unveiling a series of paper
gowns that were the definition of “Couture.” Her collection was completed with
skirts and tops made from foam hearts
glued in over lapping fashion, covering
necessary areas and little more. One
could only describe the collection as
walking art. These masterpieces were
only to be appreciated and enjoyed for
brief moments by those in attendance
and never to be repeated.
T
he evening was adjudicated by Mariah Watchman of America’s Next Top
Model fame. She chose our “Top Model,” after teaching an intense model clinic
previous to the show opening.
K
atarina Yakimchuk of Calgary received the all expense paid trip to
New York City, compliments of Spotlight
Magazine, to walk in Fashion Week.
S
potlight was thrilled to feature Joey
Kirchner of Redcliff as our celebrity
male model. He has walked for the best
in the fashion world, in exotic locations
around the globe. He is a perfect example
of success under control. Joey is famous
just about every where but at home. He
carries his celebrity in complete humbleness. He and Mariah carefully consulted
to introduce our Top Model.
N
ext year November 7 th Spotlight will
host an even bigger show at the
Lodge. More designers, more entertainment, and more excitement!
Juanita Faas
Performer Jordan Weisgerber
Performer
Hannah Lee
Designer Laurie Elyse
29
Black & White and a Splash of Red
Katarina Yakimchuk
Medicine Hat’s Next Top Model Winner
Cast
&
Crew
Hair by Plush Salon & Spa
SunCountry Nissan
Makeup Artistry by Merle Norman
Special Effects Makeup Artistry by Melissa
MacKay of Bliss Makeup
30
Events by Natalie Noel
ACI
StoneFurs
Scott Stenbeck
Edward Jones
Heartland Modeling Agency
Gainsboro Studio
31
32