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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


y April Taylor<br />

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


y Stephanie McMullen<br />

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


y Stephanie McMullen<br />

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 />

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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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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 />

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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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Sign up for our monthly newsletter<br />

on our website or our Facebook page.<br />

We are in a historic building just a few minutes<br />

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883 2nd ave e., owen Sound<br />

226-664-2776<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 />

• Home Support and Personal Care<br />

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<strong>Bruce</strong> and <strong>Grey</strong> County,<br />

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kylie@ruralhomecare.ca<br />

www.ruralhomecare.ca<br />

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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choice of our four builders, with<br />

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Head Heights<br />

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COMING<br />

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ivan@arealagent.com<br />

(519) 538-3240 ext 1003<br />

www.arealagent.com<br />

30 • GREYBRUCEBOOMERS.COM


Please keep pets on a leash, on the<br />

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 />

Keep dogs on leash.<br />

Rediscover Responsibly<br />

Visit<strong>Grey</strong>.ca | @visitgrey<br />

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 />

Register at CraigleithRidge.com

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