Grey Bruce Boomers Fall 2021
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A FREE magazine for adults 50+<br />
FALL <strong>2021</strong> — Volume 8, Issue 3<br />
FINANCE<br />
Retirement<br />
planning<br />
How to know when<br />
the time is right<br />
HISTORY<br />
ANSWERING<br />
BUCKET LIST<br />
SERVICE ABOVE SELF<br />
Rotarians travel the world helping others<br />
THE CALL<br />
<strong>Grey</strong> County’s finest<br />
served in ‘Great War’<br />
FREE!
NATURE IS NURTURE.<br />
The natural environment is an integral part of<br />
rey <strong>Bruce</strong>, with naturally beauful sengs,<br />
naonal and provincial parks and thousands of<br />
kilometres of coastline.<br />
Consider a donaon to the Next25 Fund to support<br />
a healthy and resilient community that enjoys the<br />
great outdoors. The future is green.<br />
The Next25 Fund will help ensure the vitality of all communies in <strong>Grey</strong> and <strong>Bruce</strong> for<br />
another uarter century by generang grants to charies and nonprofits with projects that<br />
address priories that are idenfied by the Vital Signs® report. The Next25 Fund will give the<br />
Foundaon the latude to grant strategically based on local knowledge for local impact.<br />
We can do great things together.<br />
2<br />
COMMUNITY<br />
FOUNDATION<br />
GREY BRUCE<br />
We’re here for good.<br />
P.O. Box 81, Owen Sound, ON N4K 5P1<br />
Call: 519.371.7203<br />
Email: foundaon@cfgb.ca<br />
.communyounongreybruce.com
FROM THE PUBLISHER<br />
CONTENTS<br />
Who would have predicted that I would be penning yet another pandemic<br />
Publisher’s Note, 18 months after the world first shut down “for two weeks.” The<br />
year-and-a-half since has been challenging on so many fronts for many people –<br />
everyone has been affected in some way.<br />
A quote I heard that resonated with me is, “We are not all in the same boat, but<br />
we are all in the same storm.” I hope that your boat is keeping afloat and this<br />
storm will soon be over!<br />
A bright light is that we are back in print! We transitioned to only publishing online<br />
last year and, while I was hopeful it would be just for an issue or two, we published<br />
five issues exclusively online. Thank you to our loyal readers and advertisers who<br />
kept us going – it was our honour to continue to provide our demographic with<br />
relevant, meaningful and local content during such trying times. Be sure to check<br />
out all our past issues online at www.greybruceboomers.com.<br />
Online dating • 4<br />
First World War veterans • 8<br />
Future of health care • 14<br />
Bucket List • 18<br />
Retirement planning • 24<br />
Game Changer • 28<br />
Recipe • 30<br />
In this issue we are proud to feature a look back at stories of <strong>Grey</strong> County’s First<br />
World War veterans, courtesy of <strong>Grey</strong> Roots Museum & Archives. Online dating<br />
is a great option for those 50+, and April Taylor tells us about her experiences.<br />
Read about Saugeen Shores residents Tony and Sylvia Sheard who do amazing<br />
things with the Rotary Club locally and internationally. Finally, prepare yourself<br />
financially with Michele Mannerow’s article about planning for retirement, and<br />
learn more about the future of health care with Kylie Pike’s story that explains<br />
why now isn’t the time to reduce services<br />
Thank you for your continued support of <strong>Grey</strong>-<br />
<strong>Bruce</strong> <strong>Boomers</strong> magazine, and may you and your<br />
family stay healthy and safe this fall!<br />
Amy Irwin, Publisher<br />
<strong>Grey</strong>-<strong>Bruce</strong> <strong>Boomers</strong><br />
FALL <strong>2021</strong><br />
Publisher<br />
Amy Irwin<br />
amy@greybruceboomers.com<br />
Advertising Sales Manager<br />
Linda Thorn<br />
linda@greybruceboomers.com<br />
Magazine Design<br />
Becky Grebenjak<br />
<strong>Grey</strong>-<strong>Bruce</strong> <strong>Boomers</strong> welcomes<br />
your feedback.<br />
EMAIL<br />
amy@greybruceboomers.com<br />
PHONE 519-524-0101<br />
MAIL<br />
P.O. Box 287, Ripley, ON N0G 2R0<br />
<strong>Grey</strong>-<strong>Bruce</strong> <strong>Boomers</strong> is distributed for free in <strong>Grey</strong> and <strong>Bruce</strong><br />
counties, and is published each March, June, September, and<br />
December. Distribution of this publication does not constitute<br />
endorsement of information, products or services by <strong>Grey</strong>-<strong>Bruce</strong><br />
<strong>Boomers</strong>, its writers or advertisers. Viewpoints of contributors and<br />
advertisers are not necessarily those of the Publisher. <strong>Grey</strong>-<strong>Bruce</strong><br />
<strong>Boomers</strong> reserves the right to edit, reject or comment on all material<br />
and advertising contributed. No portion of <strong>Grey</strong>-<strong>Bruce</strong> <strong>Boomers</strong> may<br />
be reproduced without the written permission of the Publisher.
LIFESTYLE
Online dating…<br />
at my age?<br />
FINDING A COMPANION ONLINE IS FOR EVERYONE!<br />
BY APRIL TAYLOR<br />
More than ever, <strong>Boomers</strong> are turning to online dating sites to meet people.<br />
People often find themselves alone later in life because of divorce, the death of a spouse,<br />
or, like me, had never married until recently.<br />
I talk to people every day in the hair salon where I work. I hear them say they are lonely<br />
and would like to meet someone to share their time with, especially with retirement on<br />
the horizon. I met my husband Edward on the website ‘Plenty of Fish’ years ago. Online<br />
dating was new to me, and I was skeptical, but lots of my clients were doing it. At that<br />
time, I was not particularly computer savvy and the whole process was intimidating.<br />
I had heard all the horror stories about the Internet being full of crazy losers, when it<br />
dawned on me… my clients who were using dating sites are nice, respectable people<br />
and if they are online then surely there must be other nice people online!<br />
So I took the plunge. A friend of mine helped me set up a profile and I found it simple<br />
to navigate once I got going. My first attempt was not successful. I was messaged by<br />
people from different cities, there were messages to reply to, phone calls to take, and<br />
coffee dates to be had. Truthfully, I found the whole thing overwhelming and timeconsuming,<br />
so I deleted my profile and sat back for a while until I developed a strategy.<br />
I wrote down a plan as I would do for my business, and then my foray into online dating<br />
became a much better experience.
LIFESTYLE<br />
by April Taylor<br />
Before you begin<br />
If you are recently divorced or widowed, it may be wise<br />
to grieve your loss and sort out your life somewhat before<br />
you tackle dating. You’ll know when you’re ready.<br />
First, make a detailed list of your strengths and what you<br />
have to offer. Write out clearly what you want your life to<br />
look like, whether you want to travel the world or have<br />
a quiet life with time to spend with the grandkids. Be<br />
specific. Write a list of your interests and hobbies, and<br />
any personality traits that you find attractive in a person.<br />
Ask yourself if there are any traits that are non-negotiable<br />
for you. Again be specific.<br />
Another thing to consider is how far you are willing to<br />
drive. This is important if you are looking for something<br />
long term. Do you want someone local or close to town or<br />
are you OK if your match is in another country?<br />
Writing your profile<br />
With the information you gathered, begin to fill out your<br />
profile on the site of your choice. Note that some sites<br />
are directed to over-50s, while other sites are for all ages.<br />
Some sites charge a fee while others are free.<br />
When writing your profile, be positive and upbeat.<br />
Present yourself authentically. Don’t lie about who you<br />
are, your age, weight, financial status. In fact, I would<br />
not even mention money. Present yourself in a positive,<br />
honest light. If you are looking for a serious long-term<br />
relationship, begin with being honest. For example, I<br />
don’t enjoy sports. If I had said I liked sports because I<br />
think men do, I may have attracted someone but I might<br />
have had to watch Sunday afternoon football until the<br />
end of my days. Or I would have had to admit I don’t<br />
actually like sports, and he could have felt deceived.<br />
Also, say a little about what you are looking for in a mate.<br />
Be realistic. By the time we have reached this point in life,<br />
we all have some baggage, we have made mistakes, we<br />
have had wonderful moments and we’ve maybe had our<br />
heart broken. This is the beauty of life. Again, be honest.<br />
For example, if you’re looking for an outgoing guy who<br />
loves to go to parties and events or looking for a lady<br />
who is content with a quiet life and enjoys life’s simple<br />
pleasures, it’s a good idea to mention any deal breakers<br />
here. If you can’t tolerate something such as smoking,<br />
having children, drinking, etc., it’s better to make that<br />
known right from the start.<br />
Keep an open mind<br />
This is important. Before you say someone isn’t your type,<br />
give them an honest chance. She might look different<br />
from your previous partners, or he may have lived a<br />
different lifestyle than you. Remember, we are more than<br />
our outside appearance. That person who you think is<br />
not your type might turn out to be fun and interesting.<br />
The goal is to find someone and make each other happy.<br />
How it works<br />
Create your profile on the site you choose. Be sure to add<br />
current pictures. Don’t be tempted to post pics from 10<br />
years ago when you were going to the gym every day. Post<br />
several photos and don’t forget to smile.<br />
Answer the questions such as are you looking for male<br />
or female, what age and location? Peruse the profiles of<br />
different people who pop up in your category. It’s like a<br />
big catalog of men and women.<br />
Then, when you see a profile you like, send a message<br />
telling them you read their profile and you like what you<br />
read. Maybe add that you too love dinner parties and<br />
like to travel, if they highlighted that in their profile.<br />
Surprisingly some people don’t read the profile and look<br />
solely at the picture. Read the profile! Also, I found it<br />
frustrating when someone would send a message saying<br />
merely hello. Show the person that you are interested<br />
enough to read their profile and form a proper message.<br />
Respond to the messages you receive and be polite.<br />
Engage in the conversation. Say something about<br />
yourself but don’t forget to ask about them — there’s no<br />
bigger turn-off than a self-centered person.<br />
Once you’ve chatted online, maybe it’s time to exchange<br />
phone numbers. I think an actual telephone call is needed<br />
rather than texting because it’s always good to hear<br />
someone’s voice and how they speak. It gives you a better<br />
6 • GREYBRUCEBOOMERS.COM
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LIFESTYLE<br />
idea of what the person is like.<br />
If all goes well, it becomes time to meet. You’ve both<br />
agreed that you are interested enough to meet, so I suggest<br />
going for a walk or on a coffee date. Make it short for the<br />
first date in case it becomes clear quickly that you’re not a<br />
match. Go somewhere quiet where it’s easy to talk. Be sure<br />
to have their contact information with you so if there is a<br />
mix-up you can call them.<br />
Remember to be smart and meet somewhere safe. Also<br />
be careful about how much personal information you<br />
share, because there’s always time for that if things get<br />
more serious. Trust your intuition if something doesn’t<br />
feel right and excuse yourself from the situation.<br />
Don’t stand the person up. If you change your mind, be<br />
polite and message the person and tell them. Be honest<br />
and don’t keep them hanging on. Treat people as you<br />
would like to be treated. We are all way past mind games.<br />
If you like the person but there were no sparks, they<br />
simply may not be the one, but they could become a<br />
good friend. Keep that option open because they may<br />
feel the same. Be open to talking about it. It is nice to<br />
have a friend to do things with. My husband is still<br />
friends 13 years later with two women he met online,<br />
and they are now my friends too.<br />
I highly recommend online dating. I would not have met<br />
Edward had I not given it a try. Be smart, be safe, be<br />
yourself, and enjoy the process! And don’t be offended if<br />
someone doesn’t respond, that’s just how it works.<br />
Give it a whirl!<br />
April Taylor is a freelance writer and hairstylist who loves to travel.<br />
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FALL <strong>2021</strong> • 7
HISTORY<br />
Surviving the<br />
unthinkable<br />
ABOUT 2,500 GREY COUNTY RESIDENTS FOUGHT IN THE GREAT WAR<br />
BY STEPHANIE McMULLEN<br />
It has been more than 100 years since the guns fell<br />
silent, with the Treaty of Versailles marking the end of<br />
the First World War.<br />
Thousands of young Canadian men and women enlisted<br />
for overseas military service in the Canadian Expeditionary<br />
Force, determined to “do their bit” for their country and<br />
have a grand adventure at the same time. The 31st <strong>Grey</strong><br />
Regiment, and later the 147th and 248th (<strong>Grey</strong>) Battalions,<br />
accepted hundreds to engage in the fight. Nothing could<br />
have prepared them for the nightmare that awaited them<br />
on the battlefields of Europe.<br />
Most of these soldiers were not fighters; they were nickel<br />
platers, students, bookkeepers, and chicken pickers. In<br />
short order, they became sappers, gunners, snipers, and<br />
army nurses, and fought to retain their individuality as<br />
professional soldiers. The struggle to hold on to their ties<br />
back home, to view themselves as something more than<br />
cannon fodder, constantly occupied their thoughts and<br />
energy during pauses between shell blasts.<br />
<strong>Grey</strong> County’s citizen-soldiers visited tourist spots while<br />
on leave, picking up postcards for themselves and buying<br />
souvenirs to send home. They listened to and sang their<br />
favourite songs. They wrote letters, kept diaries, and<br />
made art from shells. They collected helmets, guns, and<br />
insignia from fallen enemies. These mementos highlight<br />
their struggles to reconcile who they were before the war<br />
with the horrors they were experiencing, and who they<br />
would be once peace returned.<br />
It has been said that war is 90 per cent boredom and<br />
10 per cent terror. Canada’s citizen-soldiers faced the<br />
difficult challenge of managing their boredom while<br />
trying to forget their terrors, finding distraction in any<br />
form they could. Soldiers searched for ways to reassure<br />
themselves that they were still the good men who set sail<br />
from Halifax. Letters and parcels to and from home were<br />
a lifeline. Despite often having little to say, soldiers could<br />
while away hours composing letters, and hours more<br />
re-reading letters received. For many, it was simply the<br />
connection to home that was important, not the content<br />
of the message.<br />
Music was essential to maintaining calm. The power of<br />
song helped comfort fears, overcome exhaustion, and<br />
forge friendships. Troops marched to popular songs of the<br />
day, and sometimes brought gramophones into dugouts<br />
at the frontlines, altering the lyrics to suit their stressful<br />
circumstances. One of the most popular songs in the<br />
Canadian army, sung to the tune of ‘Auld Lang Syne’ was<br />
‘We’re Here Because We’re Here Because We’re Here.’<br />
Along with writing and music, soldiers sought release<br />
from the stresses of trench life through art. Many were<br />
good with a knife and used the materials around them to<br />
make carvings of everyday items.<br />
The most common material came from brass bullet<br />
nosecaps, which they found scattered in vast quantities all<br />
around them. Regulations required that these nosecaps<br />
be recycled, as materials were scarce, so using them for<br />
art was an act of defiance as well as a means of personal<br />
expression.<br />
Soldiers picked up mementos of their life-changing<br />
8 • GREYBRUCEBOOMERS.COM
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HEALTH & WELLNESS HISTORY<br />
experience and often sent them home to loved ones in<br />
Canada. Whether ‘sweetheart souvenirs’ for wives and<br />
girlfriends, tourist keepsakes, or battlefield relics, these<br />
mementos were a physical tie to the sights and realities of<br />
soldiers’ new lives in Europe.<br />
France and Belgium quickly discovered an insatiable<br />
market with ‘souveniring’ as Canadians earned a<br />
reputation as keepsake hunters. These pursuits emptied<br />
soldiers’ pocketbooks and sometimes even caused them to<br />
enter dangerous territory. Often, groups of friends would<br />
go exploring for souvenirs in towns and villages, and even<br />
on the frontline. German soldiers would try to play off<br />
this desire by calling out ‘souvenir’ when captured and<br />
offering up personal items for the taking.<br />
While these were ordinary people, they were called<br />
upon to do extraordinary things. <strong>Grey</strong> County men and<br />
women proved their bravery every day, and sometimes<br />
were officially recognized for it. While heroic acts might<br />
be rewarded with medals and promotions, life at the<br />
frontline was too often nasty, short and brutish. For every<br />
Victoria Cross recipient, like young Tommy Holmes of<br />
Owen Sound, there were many more young men like<br />
Herbert Bryan Watson, from Walter’s <strong>Fall</strong>s, who never<br />
returned home and left families to mourn them forever.<br />
The First World War ushered in a new era of modern<br />
warfare. Thousands of young Canadians enlisted,<br />
dreaming of the “glorious battles” of the British Empire<br />
of their fathers’ and grandfathers’ generations. Instead,<br />
they found gas, flames, tanks and anonymous death in<br />
the mud of northwestern Europe. Nothing in their young<br />
lives prepared them for the horror that awaited them,<br />
and amidst the madness of the battlefield, these men and<br />
women clung tenaciously to their humanity in whatever<br />
ways they could. The soldiers of the First World War<br />
were not professionals, but instead regular people who<br />
answered their country’s call. Their experiences changed<br />
them, and they changed the world. Here are some of<br />
their stories.<br />
FALL <strong>2021</strong> • 9
HISTORY<br />
by Stephanie McMullen<br />
Laura Adams<br />
Laura (April 17, 1884-May 2, 1941) was stationed at No.<br />
7 Canadian General Hospital near Étaples, France, when<br />
it was bombed by German aircraft in May 1918. Three<br />
nursing sisters in her hospital were killed in the attack, as<br />
were patients and other medical personnel. The hospital<br />
was seriously damaged. Laura<br />
remained on duty for several days<br />
after the initial attack to care for<br />
patients, even as the area continued<br />
to be subjected to air raids.<br />
The trauma of the attack, combined<br />
with over a year’s field service in<br />
frontline medical care, resulted in<br />
what we now call Post-Traumatic<br />
Stress Disorder. She was given<br />
two months of convalescence in<br />
England to recover then returned<br />
to active duty. She returned to<br />
Canada in April 1919, remaining<br />
active for another six months in the<br />
Canadian Army Medical Corps at<br />
Brant House, a military hospital in<br />
Burlington.<br />
Laura’s health declined in the years<br />
after the war, and in 1941, Laura<br />
passed away at Christie Street Veterans’ Hospital, which<br />
treated veterans with significant, life-altering wounds. She<br />
is buried in the veterans’ section of Prospect Cemetery in<br />
Toronto.<br />
Laura Adams<br />
Laura never married but stayed close with her siblings.<br />
Her bunkmate in France, May Devitt, of Markdale,<br />
remained a close friend throughout her life.<br />
Edward Miller Kennedy<br />
Edward (Sept. 12, 1892-April 10, 1916) enlisted within<br />
the first four months of the outbreak<br />
of war. A member of a prominent<br />
Owen Sound industrial family,<br />
Edward’s brother Paul followed him<br />
into service in 1915. After training<br />
in Canada and England, Edward<br />
joined his unit in the field in France<br />
in December 1915. His unit was part<br />
of the 2nd Canadian Division, and in<br />
early-April 1916, they faced their first<br />
major engagement at the Battle of St.<br />
Eloi, just outside Yprés. Attempting to<br />
undermine the German defenses, the<br />
British had dug a network of tunnels<br />
for explosives. The result instead left<br />
the Canadians with a field of muddy,<br />
water-filled craters, and few trenches<br />
in which to take cover. During two<br />
weeks of battle, the mud interfered<br />
with communication and made<br />
fighting difficult. This, combined with<br />
an aggressive German counterattack,<br />
left the Canadians with little accurate information as to the<br />
progress of the battle.<br />
By April 16, the Germans held most of the key points in<br />
the sector and the Canadians retreated. Over the course<br />
10 • GREYBRUCEBOOMERS.COM
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HISTORY<br />
of 13 days of fighting, the Canadians suffered 1,373<br />
casualties. Edward was reported as killed in action by his<br />
commanding Officer on April 10 in an attack north of<br />
Courcelette. His body was never found amidst the mud<br />
and water.<br />
He is honoured at the Menin Gate Memorial, situated at<br />
the eastern side of the town of Yprés (now Leper). It bears<br />
the names of 55,000 men who were lost without trace<br />
during the defence of the Yprés Salient. Over the two<br />
staircases leading from the Main Hall is the inscription,<br />
‘Here are recorded names of officers and men who fell<br />
in Yprés Salient but to whom the fortune of war denied<br />
the known and honoured burial given to their comrades<br />
in death.’<br />
John Argue Hemphill<br />
John (Sept. 18, 1895-July 31, 1923) served in the Canadian<br />
war effort under the Military Services Act. Once in<br />
England, he was transferred to the 58th Battalion, and<br />
saw action during the Canadian Corps’ Hundred Days<br />
Offensive, which led to the end of the war.<br />
A month before the armistice, John suffered shrapnel<br />
wounds to his back, a serious injury for which he was<br />
hospitalized for months afterward, and left with a<br />
permanent disability. A blacksmith by trade, the wound<br />
affected his livelihood after the war. He drowned in Wilcox<br />
Lake, near Ceylon, as he went to help a young couple in<br />
distress. The lake deepened suddenly, and unable to swim<br />
due in part to his war injury, he went under.<br />
He was well known and respected in his community,<br />
and his funeral was one of the largest to that time in the<br />
Ceylon area.<br />
James Henry Hall<br />
James (Jan. 17, 1895-?) was a member of one of the<br />
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FALL <strong>2021</strong> • 11
HISTORY<br />
by Stephanie McMullen<br />
James Henry Hall<br />
John Argue Hemphill<br />
Edward Miller Kennedy<br />
Jess Sargeant<br />
first settler families <strong>Grey</strong> County. He moved to northern<br />
Ontario to work in the forests as a sawyer and labourer,<br />
and enlisted in a local regiment there. He later transferred<br />
to the 124th Battalion (Governor-General’s Body<br />
Guard), a unit which trained as infantry but became a<br />
pioneer battalion in Europe. Pioneer battalions worked<br />
in conjunction with the Engineers. The work was varied<br />
and consisted of consolidating positions captured by<br />
the infantry, tunnelling, mining, wiring, railroad work,<br />
deep dugout work and laying out, building and keeping<br />
trenches in repair.<br />
James endured a series of illnesses related to the conditions<br />
in which he worked. After the war, he married Sarah<br />
Earlls, his Owen Sound sweetheart. Twenty years later,<br />
he enlisted alongside his three sons to serve in the Second<br />
World War.<br />
Jess Sargeant<br />
Jess (Oct. 14, 1894-Feb. 7, 1939) worked as a gardener<br />
for a fruit and vegetable producer near Owen Sound’s<br />
Greenwood Cemetery before the war. A sensitive, caring<br />
young man, Jess enlisted early in the war. He married his<br />
sweetheart Nora Mothersell before heading overseas.<br />
The war took a toll on him, as he saw action at Hill 70,<br />
Passchendaele and Cambrai, amongst other battles. He<br />
was wounded in the neck at Passchendaele, requiring<br />
months of recovery due to a subsequent infection. He<br />
received a gunshot wound to the palm of his left hand<br />
in the final month of the war, which left him with a<br />
permanent, though minor, disability.<br />
Although his physical wounds healed and he returned<br />
home to a loving family, the war had irrevocably changed<br />
this thoughtful young man. He was plagued by debilitating<br />
headaches and violent outbursts. He spent hours in<br />
silence, staring blankly, unblinking, at nothing. He tried<br />
homesteading in Saskatchewan in the early-1920s but<br />
returned to Ontario.<br />
The Menin Gate Memorial in<br />
Yprés (now Leper), Belgium.<br />
Although he and Nora had eight children, his health<br />
continued to suffer, and he spent long periods at the<br />
Westminster Hospital (for veterans) in London before
y Stephanie McMullen<br />
HISTORY<br />
passing away at 44 from acute pulmonary edema.<br />
These are but five of the roughly 2,500 citizens of <strong>Grey</strong><br />
County who served in ‘The Great War.’ Each of these<br />
brave men and women left friends and families behind<br />
to serve. Each suffered hardships. Many never set foot in<br />
<strong>Grey</strong> County again. Each has their own tale to tell.<br />
Photos courtesy <strong>Grey</strong> Roots Museum & Archives.<br />
Stephanie McMullen has enjoyed a varied career at the museum<br />
since 1999. After earning an MA in history from the University of<br />
Calgary, Stephanie worked at the Centre d’Interprétation de la Côte<br />
de Beaupré, the Mackenzie King Estate and the Canadian Museum<br />
of Civilization before arriving at the County of <strong>Grey</strong>-Owen Sound<br />
Museum, now <strong>Grey</strong> Roots Museum & Archives.<br />
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FALL <strong>2021</strong> • 13
HEALTH & WELLNESS<br />
FUTURE<br />
of health care<br />
NOW IS NOT THE TIME TO REDUCE SERVICES<br />
BY KYLIE PIKE<br />
Though this won’t be news to you, the current state of<br />
the world is like no other time in history.<br />
Exposure to information is immediate and plentiful.<br />
Generations young and old are accessing copious amounts<br />
of information on a daily basis. The so-called facts and<br />
figures we are exposed to, through various entertainment<br />
avenues and social facets, can be overwhelming.<br />
Yet we still seem to be in dire need of clarity and concise<br />
information that is applicable to each of our situations.<br />
Our lives tend to be a moving target when striving to<br />
capture wants and needs with changing self-abilities, due<br />
to overall health and well-being. Attempting to manage<br />
perceptions that really are realities to everyone and trying<br />
to manage priorities that may change and vary between<br />
those caring for an individual can create an extremely<br />
challenging situation.<br />
Confusion, anxiety, and a sense of being overwhelmed<br />
when trying to help oneself, a loved one and/or being the<br />
caregiver for several people, is very common. Sometimes<br />
these negative emotions can seem to be the only guarantee<br />
for those in need of and/or providing home care when<br />
everything else tends to be changing.<br />
First, there’s the need for reflection. For generations,<br />
Canadians have known, or should have known, about<br />
the importance of helping thy neighbour as well as thy<br />
family. The sad state of our health care system, regarding<br />
the overall support and one-on-one personal care<br />
provided in Long-Term Care, has been widely exposed<br />
during the COVID-19 pandemic. Society, through media<br />
and information released by our provincial and federal<br />
governments, seems to have turned a blind eye to the<br />
tragedies occurring in the home care sector, and yet the<br />
cries for help are plentiful.<br />
Should it have taken a pandemic to force us to look<br />
closely at the travesties suffered by those in need of<br />
personal care? Anyone who has experienced the stress<br />
14 • GREYBRUCEBOOMERS.COM
y Kylie Pike<br />
HEALTH & WELLNESS<br />
of helping someone diagnosed with an illness or disease,<br />
is recovering after an accident, surgery and/or medical<br />
treatment, has mobility concerns, is aging, etc., knows the<br />
fear and anxiety that often engulfs those needing the help,<br />
as well as the caregivers.<br />
The aging population is growing at exponential levels in<br />
Ontario and will continue to increase over the coming<br />
years. Therefore, health care demands for in-home and<br />
community-based care will also rise at an exponential<br />
rate. Access to qualified, experienced and empathetic<br />
frontline support workers is – terrifyingly – at an alltime<br />
low, despite the increasing demands. Particularly in<br />
our rural areas, it’s reaching crisis levels. With the rising<br />
cost of living, increasing gas prices and the shortage of<br />
affordable living options, frontline support workers are<br />
leaving the profession or the area completely.<br />
There are additional challenges to encouraging young<br />
people to choose this profession, and the educated tend<br />
to work in cities. There is also a tragic burn-out rate, as<br />
many in frontline health care have been forced to stop<br />
working due to their own personal health and well-being.<br />
So as the demands for home care continue to rise, the<br />
access to the necessary supports is diminishing, creating a<br />
magnitude of crisis.<br />
Home care refers to health care services that are<br />
provided for individuals within their homes. Services are<br />
performed via in-home health agencies through regulated<br />
and unregulated health care professionals including<br />
nurses, social service workers, rehabilitation specialists<br />
(such as occupational therapists and physiotherapists),<br />
personal support workers (PSWs) and home support<br />
workers. Services can include restorative care, with the<br />
intention of providing clients with tools and support for<br />
recovery, and range all the way to home care services<br />
that provide palliative or end-of-life care. Home care is<br />
ever-changing to accommodate for unique and complex<br />
medical needs. This means duties and responsibilities are<br />
being shared or are shifting in response to regulated and<br />
unregulated health professionals being spread thin.<br />
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FALL <strong>2021</strong> • 15
HEALTH & WELLNESS<br />
by Kylie Pike<br />
Tasks that are usually carried out by regulated health<br />
care professionals such as nurses and physiotherapists<br />
are now the responsibility of PSWs. Yet the demand<br />
for PSWs is at an all-time high, so many home support<br />
workers are forced to perform PSWs’ duties. In addition,<br />
the role of PSWs has expanded to include care activities<br />
previously performed by other various registered health<br />
care professionals. The field and careers of PSWs is not<br />
currently regulated and yet the need and demand for this<br />
profession to become regulated is evident.<br />
The role of a PSW<br />
PSWs are considered unregulated health care providers<br />
who perform personal and supportive care for a wide<br />
variety of clients under the supervision of their regulated<br />
employers. As an unregulated position, PSWs have no<br />
clear-cut scope of practice, so duties will vary amongst<br />
home care placements.<br />
Examples of typical duties and responsibilities for<br />
PSWs may include:<br />
• Assisting with activities of daily living (dressing,<br />
hygiene, showering, toileting).<br />
• Mobility assistance (help with transfers and walking<br />
assistance to help ensure safety and reduce the risk<br />
of falls).<br />
• Basic wound and skin integrity care.<br />
• Light housekeeping.<br />
• Psychosocial care (i.e. respite, companionship).<br />
• Basic medication assistance, prosthetic and brace care.<br />
New PSW responsibilities include:<br />
• Range-of-motion and home exercise programs.<br />
• Bowel and bladder care (ostomy and catheterization).<br />
• Tube feeding.<br />
• Oxygen administration.<br />
• Application of topical medical creams.<br />
• Assistance with inhalers and drops.<br />
• Skilled wound care.<br />
• Donning/doffing compression stockings.<br />
• More in-depth prosthetic and brace application.<br />
PSWs are expected to complete the duties for which<br />
they’ve been trained during their certification courses.<br />
In order for PSWs to legally and ethically take on<br />
additional tasks, which are usually assigned to regulated<br />
health professionals, there needs to be a specific form of<br />
delegation of these services. Delegated services are to be<br />
highly routine, repetitive activities that can be completed<br />
with training and appropriate supervision.<br />
However, it is becoming more commonplace for PSWs in<br />
certain home care placements to take on non-traditional<br />
client care activities. This is typical of those working<br />
with individuals who have extremely complicated plans<br />
of care and medical histories. Although it may be costeffective<br />
and save time to push these additional activities<br />
onto the PSWs, there needs to be a consideration for<br />
intervention effectiveness and safety of the patients, as<br />
well as the PSW.<br />
The roles of home care workers encompass individuals<br />
who typically have years of experience as a health care<br />
aide or nurses’ aide (both professional titles that do not<br />
currently exist, however they did a few decades ago) or<br />
experience as a primary caregiver for a loved one (child<br />
with complex medical needs and/or a spouse, friend,<br />
neighbour, aging parent, etc.).<br />
Attempting to navigate the health care system can be<br />
overwhelming. Trying to advocate for yourself or a loved<br />
one, when there are numerous agencies and individuals to<br />
communicate with, is daunting. Having so many questions<br />
and concerns that tend to multiply the more we learn can<br />
be emotionally draining and completely encompassing.<br />
It can be terrifying emotionally, and physically draining,<br />
and completely encompassing. There needs to be a better<br />
way, no matter how complex.<br />
This does not overshadow the need for celebration. By<br />
almost any standard, there is no better place to live than<br />
Canada. Few countries make outstanding health care<br />
available to all. Even fewer seek to accommodate so much<br />
diversity, whether it be language, ethnicity, faith, creed<br />
and sexuality. It is why millions stand in line for the chance<br />
to become Canadian. They choose Canada because we<br />
are open, tolerant, curious, and humble. Is there room<br />
for improvement in the home care sector – absolutely. As<br />
Canadians, I hope we humbly appreciate all that we have<br />
and yet work together to provide solutions and rally to<br />
help those in need and those that tend to not be able to<br />
advocate for themselves.<br />
16 • GREYBRUCEBOOMERS.COM
y Kylie Pike<br />
HEALTH & WELLNESS<br />
How to get home support<br />
The place in life where someone needs home care support<br />
can vary significantly, so whenever possible, speak to your<br />
family physician or call Home and Community Care<br />
Support Services (HCCSS), which was previously known<br />
as the Local Health and Integration Network (LHIN) and<br />
the Community Care Access Centre (CCAC).<br />
If you feel that you or your family member needs health<br />
care support at home, school or in the community,<br />
HCCSS can open the door to a world of options and<br />
opportunities.<br />
Anyone can make a referral on your behalf – a family<br />
doctor, friend, family member, even you. The first step is<br />
to call 310-2222, which will automatically direct you to<br />
your local home and community care office (no area code<br />
required) – or you can call the number for an office close<br />
to you by visiting healthcareathome.ca/southwest/en/<br />
Contact-Us or calling 1-800-811-5146. Let them know<br />
you are making a referral for services.<br />
Their helpful staff may ask some questions to better<br />
understand your needs. Then, you will either be connected<br />
with a Care Coordinator, or they will refer you to the<br />
program or service that may be right for your needs.<br />
Resources<br />
southwesthealthline.ca<br />
ontario.ca/page/homecare-seniors<br />
healthcareathome.ca/southwest/en<br />
cno.org<br />
ontariopswassociation.com<br />
Do you know a<br />
friend or loved one<br />
facing a health crisis?<br />
• Spread the task of caregiving among many people<br />
so that no one person is alone, overwhelmed or<br />
compromised<br />
• Family, friends, relatives, neighbours, co-workers<br />
pool their talents to help<br />
• Makes caregiving a meaningful, loving experience<br />
replacing stress, fear and loneliness with teamwork,<br />
courage and friendship<br />
Kylie Pike owns Rural Home Care and lives in Ripley with her<br />
family. She has worked in both the frontline and administrative<br />
avenues of home health care for over 20 years. Learn more at www.<br />
ruralhomecare.ca.<br />
For information on this caregiving model contact:<br />
Share the Care Promoter located at the<br />
Alzheimer Society of <strong>Grey</strong>-<strong>Bruce</strong><br />
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FALL <strong>2021</strong> • 17
THE BUCKET LIST<br />
SERVICE<br />
Above Self<br />
TONY AND SYLVIA SHEARD GIVE THEIR ALL FOR ROTARY INTERNATIONAL<br />
BY DOUG ARCHER<br />
18 • GREYBRUCEBOOMERS.COM
y Doug Archer<br />
THE BUCKET LIST<br />
In January 2018, Saugeen Shores residents Tony<br />
and Sylvia Sheard were in a small village in India,<br />
surrounded by crowds of children and their parents.<br />
Seated outdoors at a small wooden table, the two were<br />
there to save lives.<br />
Even before the sun had risen, the families had begun<br />
to arrive. They came on bicycles and old motorbikes.<br />
Some arrived by ox cart. All were desperate to ensure<br />
their infants and toddlers received protection from a<br />
debilitating disease.<br />
One by one the children were brought forward so that<br />
Tony, Sylvia and other volunteers could administer two<br />
drops of the polio vaccine. It was all part of Rotary<br />
International’s humanitarian effort to eradicate polio<br />
across the globe.<br />
“Rotary works toward a world where people unite and take<br />
action to create lasting change across our communities<br />
and across the globe,” Tony explained. “And I always<br />
knew I wanted to be a part of it.”<br />
So when he finished his career as a senior manager in<br />
the power generation sector, he volunteered with the<br />
Southampton Rotary Club, turning his time, talents, and<br />
energy to serving his town and the world at large.<br />
Tony got involved in scores of projects, from building<br />
community playgrounds and splash pads to funding<br />
student scholarships and literacy programs. Through<br />
Rotary, he distributed produce and dry goods at local<br />
food banks, participated in road clean-ups, raised money<br />
for women’s shelters and area hospitals… the list goes on.<br />
It didn’t stop there. Tony and Sylvia also decided to get<br />
involved in the Rotary Youth Exchange.<br />
The largest student exchange program in the world, Youth<br />
Exchange promotes the advancement of international<br />
understanding and goodwill by giving high school<br />
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FALL <strong>2021</strong> • 19
THE BUCKET LIST<br />
by Doug Archer<br />
students aged 16 to 18 the opportunity to live and go to<br />
school in countries around the world.<br />
The couple hosted three students at different times, each<br />
of them staying for about a year.<br />
“Hailing from Taiwan, the Czech Republic, and<br />
Indonesia, the exchanges were a chance for these young<br />
ambassadors to gain exposure to our Canadian culture,<br />
and to share their unique cultures with students at our<br />
local high school,” Tony said. “But Sylvia and I gained<br />
as much from the experience as the students. Spending<br />
time with these wonderful young people and learning<br />
about their families and countries and religions was an<br />
eye-opening experience. We are both better and more<br />
enriched because of it.”<br />
They have stayed in touch with each of their exchange<br />
students too.<br />
“Our Indonesian student even invited us to her wedding,”<br />
Tony said, “but because of COVID we had to settle for<br />
seeing her wedding pictures online.”<br />
Then there was the couple’s trip to India to help bring an<br />
end to polio.<br />
A debilitating disease that infects the spinal cord – causing<br />
paralysis and potentially death – polio was once rampant<br />
across the globe. As recently as the 1970s and ’80s, it was<br />
prevalent in 125 countries and affected 350,000 people a<br />
year – mostly children under the age of five. That’s when<br />
Rotary International got involved.<br />
A founding partner of the Global Polio Eradication<br />
Initiative, Rotary members have contributed more than<br />
$2.1 billion and countless volunteer hours to protect<br />
nearly three billion children worldwide. Described as<br />
the finest humanitarian project by a non-governmental<br />
organization the world has ever seen, the effort to wipe<br />
out this disease is close to being won. Polio now remains<br />
endemic in only two countries, and the number of cases<br />
each year has been reduced to less than 100, instead of<br />
hundreds of thousands.<br />
“Being part of a vaccine team in India was one of the<br />
most rewarding experiences of our lives,” Tony said.<br />
“Knowing that we were protecting these children from<br />
this terrible disease… seeing the look of gratitude in the<br />
eyes of their parents… it was very emotional.”<br />
With a smile he added, “And with her blonde hair, Sylvia<br />
was treated like some kind of movie star. After they<br />
received their vaccines, all the kids wanted to have their<br />
picture taken with her!”<br />
20 • GREYBRUCEBOOMERS.COM
y Doug Archer<br />
THE BUCKET LIST<br />
Tony’s work with Rotary at both the local and international<br />
level didn’t go unnoticed. He was soon asked to take<br />
on different roles within the organization, ultimately<br />
leading to his nomination as a District Governor. In this<br />
role he would be tasked with facilitating the growth of<br />
scores of Rotary Clubs, as well as the start-up of new<br />
ones; promoting Rotary to the world at large; and, most<br />
importantly, inspiring and engaging Rotarians to carry<br />
out community activities and humanitarian projects. It<br />
was no small ask, to say the least.<br />
“I had the desire to carry on the good work of Rotary, so<br />
I accepted, becoming a District Governor in July 2019,”<br />
Tony said.<br />
He and Sylvia immediately hit the road.<br />
“Suddenly I was responsible for 56 Rotary clubs –<br />
extending from Tobermory down to St. Thomas and<br />
across Lake Huron into Michigan – and more than 1,700<br />
members,” Tony said.<br />
The couple spent days and weeks at a time on the go,<br />
visiting one Rotary Club after another. They met countless<br />
people who, as Tony put it, were doing amazing things<br />
in their communities and around the world to make life<br />
better, such as building playgrounds and new soccer fields,<br />
providing scholarships and leadership workshops to high<br />
school students, raising money to ensure clean water for<br />
people in countries such as Cameroon, and much more.<br />
Sylvia acted as the navigator as they put on thousands of<br />
kilometres driving throughout the district. She proofread<br />
and reviewed Tony’s speeches, critiqued his talks at clubs,<br />
kept notes and actions at meetings, and took photos at all<br />
their visits.<br />
“I couldn’t have done it without Sylvia,” Tony said. “Her<br />
support was unwavering.”<br />
It was during his tenure as District Governor that Tony<br />
had one of his most memorable moments with Rotary,<br />
when he had the privilege of attending a Rotary Youth<br />
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FALL <strong>2021</strong> • 21
4 RETIREMENT<br />
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“It was truly inspirational. To see the youth of the world<br />
sharing their diverse experiences without any issues,<br />
or prejudice, or conflict, was beyond wonderful. The<br />
vibrancy, enthusiasm and tolerance shown by these young<br />
people make me believe there is hope for world peace.”<br />
Unfortunately, midway through Tony’s term as District<br />
Governor, the COVID-19 pandemic hit. Many of<br />
Rotary’s fundraising activities and community projects<br />
came to a stop. Travel to countries in need also ceased.<br />
“But community and international need didn’t stop,”<br />
Tony said. “We were faced with how to continue. As the<br />
saying goes, though, necessity is the mother of invention.<br />
The Rotary Clubs in our district found a way to respond.”<br />
They held virtual concerts and hosted online auctions to<br />
raise money. They donned masks and established strict<br />
distancing and sanitation protocols so that community<br />
builds could continue. Some even purchased 3D printers<br />
and produced COVID faceshields that were sent to<br />
countries in need around the world.<br />
“Overall, fundraising was down a little because of<br />
COVID,” Tony pointed out, “but not drastically.”<br />
The Sheards even managed to carry on with their trips<br />
across the district… they just did them virtually.<br />
“I was the last of what I call the Road Warrior governors<br />
– the ones who drove around to visit all the Rotary<br />
Clubs in the district. And I became the first of the Zoom<br />
governors!”<br />
A district Rotary conference scheduled for May 2020,<br />
however, needed some major retooling in response to the<br />
pandemic. Over a year of planning had gone into the<br />
three-day event that would see hundreds of Rotarians<br />
arrive in Saugeen Shores. Tony wasn’t about to let the<br />
Coronavirus put an end to it.<br />
“We turned it into a half-day talk show,” he said.<br />
22 • GREYBRUCEBOOMERS.COM
y Doug Archer<br />
Everyone attended virtually. Speakers and special guests<br />
were beamed in from across the country. Local Rotarians<br />
even fabricated a makeshift studio set from which Tony and<br />
the conference chair, John Conklin, coordinated the event.<br />
Step out of<br />
the ordinary<br />
“We called it the John and Tony Show.”<br />
With a theme of Rotary Connects the World, the virtual<br />
work-around for this conference did just that. Almost<br />
1,500 members from 14 countries attended online or<br />
followed it on Facebook – and all of them were there to<br />
share ideas and projects for bringing the world together.<br />
After almost 13 years of working with Rotary, Tony<br />
wouldn’t change a moment of it.<br />
“It has been life-changing. Sylvia and I have had<br />
an opportunity to make a difference not only in the<br />
community we live in, but in the world community. And<br />
that’s pretty special. You often hear people talk about the<br />
power of one, but Rotary has over 1.2 million members<br />
all wanting to improve the world. You can do so much<br />
more good work with that strength behind you.”<br />
To make sure that good work continues, Tony has elected<br />
to make an endowment gift to the Rotary Foundation.<br />
“I want the world and community changing efforts of<br />
Rotary to continue even after Sylvia and I are gone.”<br />
Doug Archer is a local writer and speaker who enjoys celebrating the<br />
multi-faceted lives of the 50-plus generation. He is also the author<br />
of two locally set mystery-adventure novels for readers aged eight to<br />
99, because you are never too old for an adventure! Learn more at<br />
www.coldcasekids.com or email him at archer@bmts.com.<br />
In addition to resident artist John Laughlin,<br />
we showcase original work by guest artists.<br />
Gallery hourS<br />
Wednesday to Saturday, noon to 5pm.<br />
John Laughlin, Portrait of a Woman,<br />
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<strong>Grey</strong>Gallery.ca<br />
FALL <strong>2021</strong> • 23
FINANCE<br />
Planning for<br />
RETIREMENT<br />
YOUR FINANCES SHOULD TELL YOU WHEN THE TIME IS RIGHT<br />
BY MICHELE MANNEROW<br />
24 • GREYBRUCEBOOMERS.COM
y Michele Mannerow<br />
As I sit on my deck at the cottage this weekend, waiting<br />
for yet another storm to roll through, it’s tough not to<br />
dream about the days when I will eventually no longer be<br />
returning to civilization and the Monday-to-Friday grind.<br />
You would think that retirement would be something to<br />
which we can look forward with excited anticipation. For<br />
some, however, that magical date seems a distant and<br />
perhaps unnerving time. If you haven’t spent at least some<br />
time with your family and possibly an advisor discussing,<br />
clarifying, and planning for the future, the anxiety can be<br />
significant.<br />
How does someone know when they’ll be physically and<br />
emotionally ready to walk away from what is, for many<br />
people, a big part of their identity and even their raison<br />
d’etre – the reason they get up in the morning?<br />
Questions include, have I saved enough to provide for a<br />
comfortable retirement income? How much will I be<br />
spending in retirement? What will I do to remain active,<br />
both physically and mentally? How will I take income from<br />
my retirement portfolio? What other pension income am<br />
I eligible for? Will I travel? Do I wish to volunteer, start<br />
new or return to long-neglected hobbies? Will I continue<br />
to work part time even if I don’t have to?<br />
So. Many. Questions. The answers and stress relief are<br />
there if you choose to spend some time looking for them.<br />
I advise, guide, and then watch as my clients move into<br />
retirement. Each situation seems slightly different than the<br />
next, and it often takes a few years for people to become<br />
comfortable with their circumstances. We feel around,<br />
making adjustments to income or expenses, until suddenly<br />
you realize the years have passed and all that planning has<br />
indeed allowed you to live the retirement for which you<br />
had hoped.<br />
Three things to consider<br />
Physical, psychological, and emotional concerns.<br />
I call this the ‘use-it-or-lose-it’ category. Although my<br />
job certainly doesn’t focus on this area, I have noticed<br />
something over my 30-year career – the age of 70 seems<br />
to be the point of no return for many. If my clients have<br />
led a somewhat sedentary lifestyle, it seems about 70 when<br />
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FALL <strong>2021</strong> • 25
FINANCE<br />
by Michele Mannerow<br />
moving and keeping healthy becomes more difficult,<br />
and their world becomes smaller. If, on the other hand,<br />
someone has remained active, they often continue<br />
enjoying their physical and social activities well into their<br />
80s and 90s.<br />
I highly recommend the book What Makes Olga Run<br />
by <strong>Bruce</strong> Grierson. A reporter follows decathlete and<br />
nonagenarian, Ogla, around for about five years to see<br />
how she can still run, swim, do yoga, etc., when so many<br />
others are either already gone or housebound. In short,<br />
(and spoiler alert!) he basically surmises that one should<br />
strive to do something different every day, with people<br />
you like. You don’t have to run or lift weights, but even<br />
playing bridge, walking or taking an art class is beneficial.<br />
Let’s face it – there is no shortage of things around here<br />
to keep us active and socially connected.<br />
Retirement income. This falls a little more clearly<br />
into my wheelhouse. Ideally 10 years (and certainly five)<br />
before retirement, my clients begin to regularly review<br />
their expenses to determine how they will change in<br />
retirement. Some costs will decline, others will increase,<br />
and some will be entirely new or gone forever. It doesn’t<br />
have to be super specific. Armed with this information,<br />
we can review the various pools of assets and income,<br />
which will provide for these planned expenses.<br />
Starting with the basics (government CPP and OAS), and<br />
working up from there (private pensions, RRSP/RRIFs,<br />
TFSAs, investment accounts, possible inheritances, sale<br />
of real estate), while including reasonable long-term<br />
inflation and investment returns, we can determine with<br />
reasonable certainty if any revisions to expenses may be<br />
required or if the plan has a reasonable expectation of<br />
working over the long term.<br />
The next step is to determine the most tax-efficient way of<br />
both investing and generating income from the portfolio.<br />
Do we take CPP early or delay it? Are there any plans<br />
to work part time? How can the income be generated<br />
while keeping an eye on the OAS clawback level? Do<br />
dividend-paying investments belong in the RRIF, TFSA<br />
or investment account? Should I draw from the RRIF<br />
or investment account first or a combination of both?<br />
How much up and down of returns am I comfortable<br />
with and willing to accept in my portfolio throughout<br />
my retirement? I recommend investing a portion of<br />
the portfolio in cash or “safe” investments to keep the<br />
retirement income going without having to draw from<br />
investments that may drift down in value over the short<br />
term. Our experiences of the 2008-09 and March-April<br />
2020 market corrections have made the value of this<br />
strategy crystal clear.<br />
My clients and I often discuss having different “buckets”<br />
in their portfolio. The “cash bucket” is available for the<br />
required monthly income. The second “growth bucket”<br />
is the investments that over time will contribute to the<br />
cash bucket through dividends or interest. We will also<br />
occasionally “harvest” growth or capital gains from this<br />
bucket to replenish the cash bucket.<br />
What options can I consider to offset the historically low<br />
interest rates of cash, GICs and bonds? Gone are the<br />
days when you can find a low-volatility investment that<br />
pays anything close to a five per cent income.<br />
How will my assets be distributed once I am<br />
gone? Known as estate planning, the building block of<br />
an organized estate is leaving clearly written instructions<br />
– through your will and Powers of Attorney – and having<br />
accounts and insurance policy beneficiary designations<br />
that agree with the legal documents. Communicate<br />
your wishes to your family and executors so there are<br />
no surprises that can lead to arguments after you are<br />
gone. I’ve recently discovered online estate organization<br />
tools that both look at the storage and organization of<br />
legal documents and physical assets and also recognize<br />
the significant digital assets and accounts we have now<br />
created. This whole digital asset category wasn’t even a<br />
thing 10 years ago! They track and allow your executor<br />
to shut down your social media accounts, as well as online<br />
banking and investment accounts. Take a peek at www.<br />
readywhen.com for more information.<br />
The judicious use of naming a spouse or child as joint<br />
owners of certain assets may be useful but can also<br />
cause difficult situations that end up with a family<br />
in court. This is one tool that must be used only after<br />
careful consultation with a professional. Many people<br />
will change assets to joint ownership in an effort to avoid<br />
probate fees, yet if paying these fees (1.5% of the asset<br />
value) means the assets are distributed to the right people,<br />
26 • GREYBRUCEBOOMERS.COM
y Michele Mannerow<br />
FINANCE<br />
without any court time and expense, I strongly believe<br />
they’re worth it.<br />
Give some thought to what you want to be left in your<br />
estate when you are gone. Would you rather pay less tax<br />
yourself and leave more highly taxable assets to your<br />
estate and beneficiaries? Take minimum RRIF payments<br />
and spend your investment or TFSA? Or would you<br />
rather pay the tax as you go and leave almost no tax<br />
owing and payable by your estate? I seem to be finding<br />
that the TFSA is the favoured child (so to speak). As you<br />
can name beneficiaries and have the account paid out<br />
at your death with no taxes or probate fees owing, I like<br />
to think of it as the last man standing and leave it intact<br />
for inheritance, if at all possible. The principal residence<br />
exemption also allows for the house to be sold with no<br />
taxes owing. There may be probate fees owing but again,<br />
if fees get the funds into the hands of the right people, it’s<br />
my opinion that it’s a small price to pay.<br />
The good news is that some time and effort can make<br />
a world of difference in your finances and reduce your<br />
stress levels during and after your retirement.<br />
Oh… and the other good news? The storm has moved<br />
on, so it’s time to hit the lake!<br />
Michele Mannerow, CFP, RFP, CIM, FCSI, FMA, is a financial<br />
advisor, Manulife Securities Incorporated and Life Insurance Advisor,<br />
Manulife Securities Insurance Inc., based in Owen Sound. Visit her<br />
online at mannerow.ca. Stocks, bonds, and mutual funds are offered<br />
through Manulife Securities Incorporated. Insurance products and<br />
services are sold through Manulife Securities Insurance Inc. Please<br />
confirm with your Advisor which company you are dealing with for<br />
each of your products and services. The opinions expressed are those<br />
of the author and may not necessarily reflect those of Manulife<br />
Securities Incorporated or Manulife Securities Insurance Inc.<br />
BY PLAYING A CRITICAL ROLE IN<br />
CANADA’S CLEAN ENERGY FUTURE.<br />
brucepower.com<br />
FALL <strong>2021</strong> • 27
GAME CHANGER<br />
Joan Crowe has volunteered<br />
with <strong>Grey</strong> <strong>Bruce</strong> Health<br />
Services for 23 years.<br />
28 • GREYBRUCEBOOMERS.COM
A tireless<br />
volunteer<br />
Joan Crowe, 93, continues to volunteer<br />
at Owen Sound Hospital during<br />
COVID-19 pandemic<br />
spry age 93, Joan Crowe continues to be a tireless<br />
A volunteer at <strong>Grey</strong> <strong>Bruce</strong> Health Services (GBHS)<br />
Owen Sound Regional Hospital, which she’s been doing<br />
for 23 years. In that time, she has logged 3,680 hours<br />
of service, and has volunteered in day surgery, the lab<br />
and currently serves in ambulatory care. Joan’s husband<br />
Walter also volunteered with GBHS until his death in<br />
2016.<br />
Joan has continued volunteering through the Coronavirus<br />
pandemic because she says she needed to keep her<br />
mental health in check and she wanted to do something<br />
useful during these challenging times. Living on her<br />
own can be isolating and she enjoys talking to people in<br />
ambulatory care. Some of the patients there are hoping<br />
for a successful surgery or treatment and others are<br />
having their final check-ups and are getting better.<br />
“I have lived through a number of epidemics in my life,”<br />
Joan said. “We never shut down, we got on with our lives.<br />
If we were lucky, we didn’t get it. If we got it, we were<br />
ill for a few days. I have never experienced anything this<br />
serious or prolonged before.”<br />
Joan picked up an extra volunteer shift in ambulatory<br />
care during the pandemic so she could help where there<br />
was a vacancy. Her family, a daughter in Waterloo who is<br />
a doctor and her son in Toronto, are very supportive of<br />
her volunteering. They know she needs to get out and see<br />
people and feel useful each day.<br />
Thank you Joan for supporting GBHS patients and staff!<br />
Know a Game Changer in your community? Email amy@<br />
greybruceboomers.com and tell us their story!<br />
FALL <strong>2021</strong> • 29
FOOD & DRINK<br />
Pumpkin pecan fudge<br />
INGREDIENTS<br />
3¾ cups granulated sugar<br />
1 cup evaporated milk or light cream<br />
¼ cup corn syrup<br />
1 cup pumpkin purée<br />
Pinch of salt<br />
3 tbsp butter<br />
2 tsp vanilla<br />
2 cups toasted chopped pecans<br />
Instructions:<br />
Preparation time: 15 minutes<br />
Cooking time: 35 minutes<br />
Servings: 36<br />
Grease inside of heavy-bottomed medium saucepan; add sugar, milk,<br />
corn syrup, pumpkin and salt, mixing until combined. Place over<br />
medium heat and stir gently with wooden spoon until sugar is dissolved.<br />
Then cook, without stirring, until candy thermometer registers 238 F<br />
or soft-ball stage. Remove from heat, push butter down into mixture<br />
without stirring.<br />
Let stand until almost cool (140 F). Stir in vanilla and beat with wooden<br />
spoon until starting to thicken and lose its gloss, one to two minutes.<br />
Stir in pecans. Immediately pour into buttered 9-inch square pan. Let<br />
cool until it begins to harden; cut into 36 squares. Makes 2¼ lbs.<br />
Recipe courtesy of Foodland Ontario<br />
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30 • GREYBRUCEBOOMERS.COM
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trail, and under control at all times.<br />
Always clean up after yourselves.<br />
Pack out what you bring in, including<br />
pet waste.<br />
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Rediscover Responsibly<br />
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FALL <strong>2021</strong> • 31
Modern Mountain Homes<br />
are coming soon to Craigleith<br />
with prices that are<br />
uncommonly sensible.<br />
Live for the<br />
Moment<br />
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