Saturday, January 05, 2008

WHAT'S NEW? JANUARY 2008 NEWSLETTER

Happy New Year/Bonne Année 2008!
We’ve had four major snowstorms in New Brunswick over the holidays- pretty impressive! But we are coping and we are looking forward to 2008 with enthusiasm and optimism. This message brings our very best wishes to you and those close to you.
Posted by PicasaHere’s a picture taken during our walk on New Year’s Day at the Dobson Trail in Riverview. Our informal walking group plans to walk on this trail until the end of January. Everyone is welcome to join us on Tuesdays or Thursdays at 8:30. The parking lot is clearly marked on the Pine Glen Road.
There have been many visitors to this site, Prime Time/La Joie de Vivre (50plusNew Brunswick). If you have upcoming events, send them along so we can include them on the What’s Happening? Page. If you have information, articles, items in English or French, send them along. We’ll try to keep the blog up to date. If you have friends who do not use the computer or e-mail, show them the site when you have a chance. We encourage everyone to gain the basic skills, but not everyone has to have a computer in their own home to have access to information. We appreciate the support we have had in this venture- check back here from time to time.
We plan to continue writing a column for “Choices after 50”. For 17 years, this newspaper has been informing and entertaining the 50-plus reader. It is free and can be picked up at senior centres, libraries, Shoppers and other locations around New Brunswick. To be sure you get a copy, subscriptions ($13.50/year) are available at ECM Marketing Associates, PO Box 1291, Saint John, NB E2L 4H8. Tel: 506.658.0754. Fax: 506.633.0868. If you would like to advertise in this paper, contact Carol Maber, Editor, at the above contact numbers. The December 07-January 08 issue is now available. We got our copies at Shoppers in Riverview.
The new CARP rep for New Brunswick is Louise Gilbert of Moncton. To reach Louise, you can phone her at 389-9808 or e-mail her at Gmarlou1@aol.com. You may also reach the national CARP site at http://www.carp.ca/.
For information or to join the NB Senior Citizens Federation/Fédération des citoyen(ne)s aîné(e)s de Nouveau-Brunswick inc., visit http://www.nbscf.ca/ or http://www.fcanb.ca/ or call toll-free 1-800-453-4333. For information or to join the Coalition for Nursing Home Residents’ Rights, contact Cecile Cassista, Executive Director, 133 Canusa Drive, Riverview, NB E1B 2W6; Phone: 506.860.7682; Fax: 506.387.5194
Note: The New Brunswick Government Finance Department has released a survey for the 2008 -2009 Pre budget consultation. We would encourage everyone toparticipate in the survey making sure Seniors and Health care are given top support. Here is one way to let the government know we care about our seniors and health care. To complete the survey, go to https://www.pxw1.snb.ca/cetoolkit/takeSurvey.asp?surveyID=412&cookies=True
Bookmark our blog and check back from time to time for updates on information and events. If you have questions, concerns or corrections about anything found here, please let us know.
Wayne and Barb
E-mail: wbharrig@nb.sympatico.ca
Phone: (506) 386-2187
Fax: (506) 860-7235
Snail mail: 136 Wentworth Drive, Riverview, NB E1B 2T5

Note: Click Previous Posts (to the right) to be taken to a topic. If you click on the bottom item, it will give you more choices.

Quick Links



WHAT'S HAPPENING?

January 2008
There is a neat new site for New Brunswick drivers. The New Brunswick Department of Transportation is pleased to offer the travelling public access to its highway cameras as well as cameras operated by Brun-Way Highways Operations Inc. on the Trans-Canada Highway. These cameras are located next to the highway at specific locations across the province as part of the Department’s Road Weather Information System. Click on this link http://www.gnb.ca/0113/cameras/cameras-e.asp, accept the disclaimer, and you will be taken to the cameras all over New Brunswick. (We can imagine homesick New Brunswickers across the country checking in on a regular basis!). It should be a help to many New Brunswickers.
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Let There Be Peace on Earth
To see the closing number from the MetroTones' concert on Sunday, November 25, click http://www.youtube.com/watch?v=I9pWSp62DUQ
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1 January 2008
The Breast Cancer site is having trouble getting enough people to click on their site daily to meet their quota of donating at least one free mammogram a day to an underprivileged woman. It takes less than a minute to go to their site and click on "donating a mammogram" for free (pink window in the middle). This doesn't cost you a thing. Their corporate sponsors/advertisers use the number of daily visits to donate mammogram in exchange for advertising.Here's the web site! Pass it along to people you know. http://www.thebreastcancersite.com/
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5 January 2008
The Seasons Baroque Ensemble (formed of baroque violinists Sari Tsuji and Katherine Moller, baroque oboist Graham St-Laurent, and harpsichordist Jonathan Addleman) will present a concert of music composed for the English theatre. Music used in productions of “Macbeth”, “The Indian Queen”, “The Fairy Queen”, and the “Tempest” by such composers as Purcell, Eccles, and Locke will be performed.
Saturday the 5th of January at 2 pm at the All Saints Anglican Church (77 King St.) in St. Andrews
Tickets will be available at the door and cost $20/adults, $10/seniors, and $5/students. For more information contact Katherine Moller at 440-3123 or katherine@katherinemoller.ca.
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6 January 2008
The Seasons Baroque Ensemble (formed of baroque violinists Sari Tsuji and Katherine Moller, baroque oboist Graham St-Laurent, and harpsichordist Jonathan Addleman) will present a concert of music composed for the English theatre. Music used in productions of “Macbeth”, “The Indian Queen”, “The Fairy Queen”, and the “Tempest” by such composers as Purcell, Eccles, and Locke will be performed.
Sunday the 6th of January at 2pm at the Germain St. United Baptist Church (228 Germain St.) in Saint John
Tickets will be available at the door and cost $20/adults, $10/seniors, and $5/students. For more information contact Katherine Moller at 440-3123 or katherine@katherinemoller.ca.
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7 January 2008
The Seasons Baroque Ensemble (formed of baroque violinists Sari Tsuji and Katherine Moller, baroque oboist Graham St-Laurent, and harpsichordist Jonathan Addleman) will present a concert of music composed for the English theatre. Music used in productions of “Macbeth”, “The Indian Queen”, “The Fairy Queen”, and the “Tempest” by such composers as Purcell, Eccles, and Locke will be performed.
Monday the 7th of January at 7:30pm at the Christ Church Cathedral (168 Church St.) in Fredericton
Tickets will be available at the door and cost $20/adults, $10/seniors, and $5/students. For more information contact Katherine Moller at 440-3123 or katherine@katherinemoller.ca.
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7 - 10 January 2008
Eastern Research is presently looking for people of ages 18 years and older to participate in a focus group discussion where the subject may be considered highly sensitive.
TOPIC – CANCER PATIENTS & Family Member/Friends (for the improvement of programs/services of a recognized charitable organization)
As a thank you for participating in this 90 MINUTE focus group, our guests will receive a cash thank you of $60.00
The research will be held in both Moncton and in Bathurst and will be French speaking groups.
MONCTON –
January 7th (8pm) with Caregivers (family/friends) of Cancer patients (who have been diagnosed within the last 3 yrs).
January 8th (8pm) with Cancer patients diagnosed within the last 3 yrs
BATHURST –
January 9th (8pm) with Caregivers (family/friends) of Cancer patients (who have been diagnosed within the last 3 yrs).
January 10th (8pm) with Cancer patients diagnosed within the last 3 yrs
The following is required for this research:
CAREGIVERS
Should be a spouse/partner, parent, grandparent, close sibling, friend or other family member AND be giving care/assistance to a person diagnosed with cancer within the last 3 years and be aware of the current condition of the cancer patient they are giving care to.
CANCER PATIENTS
For the purpose of the study we require persons who have been diagnosed with any form of cancer within the last 3 years and are aware of their current condition.
We cannot include persons who know one another to the same research group, however partners/relatives, etc. may participate in separate groups.
If someone you know is interested in participating in this session, please contact our office by email (including your telephone number) or call 902-435-2434
Thank you
Eastern Research
Donna (English or French); Rachel (English)
902 435-2434
eastern@ns.aliantzinc.ca
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12 January 2008
ADAPTATION
Saturday January 12, 2008 at 8:00 pm
Riverview Arts Centre Inc, 400 Whitepine Rd (in the high school)
Riverview, NB Ph: 506.852.7189
Tickets available online http://www.riverview-arts-centre.ca/
and at the following locations:Sobeys 535 Coverdale Road, Riverview (cash only)
Jean Coutu 438 Coverdale Road, Riverview
Fusing a comfortable balance of melodic hardcore and pop punk, Adaptation has been rocking the local music scene for the past four years. The Riverview, New Brunswick four-piece debuted their first EP, "So You're Saying There's A Chance" in the summer of 2003, solidifying a loyal local fan base. In February 2006, the band followed up with their second EP, Apart From the Screams which has been a hit, with their independently pressed CDs selling faster than they can be made. Known for their high-energy, guitar flipping stage shows, Adaptation manages to transition from choruses that are catchy as hell (Eric Lewis, Times and Transcript) to heavy, melodic breakdowns without skipping a beat. With the recent addition of drummer Philippe "Flip" LeBlanc to their lineup, the four are more motivated than ever. http://www.myspace.com/adaptationband
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13 January 2008
INVITATION
LA GALETTE DES ROIS
à 18 h 30, le dimanche 13 janvier 2007
241, rue St. George à Moncton
Venez déguster ‘la galette des rois’ en chansons, accompagnée d’un bon petit verre de jus de pommes pétillant.
Membres : 5$
Non-membres : 7$
Enfants ( -7ans ) : 3$
Merci de vous inscrire impérativement avant le mardi 8 Janvier
Contact : 387-5056 ou afmoncton@nb.aibn.co

INVITATION
LA GALETTE DES ROIS
Sunday, January 13 at 6:30pm
241 St. George St., Moncton
Come and enjoy a time of singing while savouring the
‘galette des rois’ and sipping a glass of sparkling apple cider.
Members : 5$
Non-members : 7$
Children (under 7) : 3$
Reservation deadline: Tuesday, Jan. 8
Contact : 387-5056 or afmoncton@nb.aibn.com
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13 January 2008
No Limits - Openhouse and Registration
Sunday, January 13, 2008
2:00 - 5:00 pm., Wu Centre, UNB, Fredericton
Meet the instructors, learn about upcoming courses, enjoy entertainment and refreshments. Register by January 13 to receive $10 off each course. Enter to win free tuition for one course!
View courses at www.cel.unb.ca/nolimits Call 458-7106
or email nolimits@unb.ca for more information or to register
UNB College of Extended Learning
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16 January 2008
Vous êtes cordialement invités au vernissage de Georgette Bourgeois le mercredi, 16 janvier, 2008 de 15 heures à 17 heures au Musée acadien de l’Université de Moncton. L’exposition aura lieu du 8 janvier jusqu’au 2 mars, 2008. La série intitulée L’Esprit de Grand-Pré sera en exposition.
http://www.georgettebourgeois.com/
You are cordially invited to attend the opening of Georgette Bourgeois’ art exhibition at the Acadien Museum of l’Université de Moncton from 3 pm to 5 pm on Wednesday, January 16th. The show will be from January 8th to March 2nd, 2008. The series L’Esprit de Grand-Pré (The Spirit of Grand-Pré) will be on exhibition.
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19 January 2008
Riverview Knights of Columbus Community Breakfast
Saturday, January 19, 2008, 8 a.m. - 11 a.m.
Dan Bohan Centre, 5 Fatima Drive, Riverview
Enjoy the music of Ivan and Vivian Hicks and the Sussex Avenue Fiddlers
Tickets at the door: Adults- $5; Children (6-12)- $3, Children (under 6)- Free
Everyone welcome!
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22 January - 13 February 2008
Legislative Assembly of New Brunswick
Select Committee on Wellness
Public Consulations
The Select Committee on Wellness is an all-party committee of the Legislative Assembly charged with the responsibiltiy of engaging citizens and stakeholders in discussions and reporting to the House with recommendations that will promote public engagement and ownership of wellness.
Key Questions - The Committee is seeking public input with respect to Wellness and these key questions
Make a Presentation - Individuals or organizations wishing to make a presentation to the Committee should advise the Office of the Clerk of the Legislative Assembly by January 18, 2008. Telephone 453-2506, Fax 453-7154, e-mail wwwleg@gnb.ca
Submit a Written Brief - Individuals or organizations not appearing at a public meeting are invited to submit comments and/or briefs on the key questions. Submissions should be received by February 15, 2008
Public Hearing Schedule (all meetings begin at 10 a.m.)
Moncton- Tuesday, Jan. 22
Château Moncton, 100 Main Street
Miramichi- Wednesday, Jan. 23
Park Inn and Suites, 1 Jane Street
Saint John- Tuesday, Jan. 29
Hilton Saint John, 1 Market Square
Fredericton- Wednesday, Jan.30
Legislative Assembly, 706 Queen Street
Edmundston- Thursday, Jan.31
Château Edmundston, 100 Rice Street
Campbellton- Tuesday, Feb. 12
Howard Johnson Hotel, 157 Water Street
Tracadie-Sheila- Wednesday, Feb. 13
Complexe Les Deux Rivières, 100, rue Deux Rivières
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23 January 2008
THAT CANADIAN GUY
Wednesday January 23, 2008 at 8:00 pm
Riverview Arts Centre Inc
400 Whitepine Rd (in the high school)
Riverview, NB
506.852.7189
Tickets $25.00 hst included are available online
http://www.riverview-arts-centre.ca/ and at the following locations:
Sobeys 535 Coverdale Road, Riverview (cash only)
Jean Coutu 438 Coverdale Road, Riverview
Quickly becoming a household name; That Canadian Guy has been a headliner on the Canadian comedy circuit for over twenty years. He has performed on numerous television shows, including his own comedy special and six appearances with CBC's Just for Laughs and Comedy Festival. His topical and timely material on current events and popular culture strikes a chord with Canadians with his hilarious but dead-on portrayal of the conflicted Canadian psyche.

Join stand-up comedian Glen Foster (aka That Canadian Guy) and another comic in a tour de farce about current events and popular culture.
or contact Peter Brzezicki at 506.872.0002
info@riverview-arts-centre.ca
http://www.riverview-arts-centre.ca/
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24 January 2008
Running for City Hall 101
"We'd all like t'vote for t'best man, but he's never a candidate."
-- Frank McKinney "Kin" Hubbard.
Lunch & Learn withGrand Bay-Westfield Mayor Grace Losier and Saint John Deputy Mayor Michelle HootonThurs. Jan. 24, 2008, 12 noon to 2 pm,
Saint John Public Library, Saint John
Municipal elections will be held in New Brunswick in May 2008.
Have you ever thought "I could do better than that"? What if, instead of just fighting city hall, you joined it.Now's the time to consider getting involved. Join Mayor Grace Losier (Grand Bay-Westfield) and Deputy Mayor MichelleHooton (Saint John) in a lunch-time discussion on the importance of diversity of representation within governing agencies, and hear their stories of running for and serving on a municipal council. Light lunch provided.
FREE but you must pre-register by sending your name, phone & group/workaffiliation to: acswcccf@gnb.ca or 1-800-332-3087
Sponsored by New Brunswick Advisory Council on the Status of Women.
This session will take place in English. Wear NO SCENTS please.
Rosella Melanson Directrice generale, Conseil consultatif sur la condition de la femme au Nouveau-Brunswick506 444-4101 ; 1 800 332-3087 ; telecopieur 506 444-4318236, rue King, Fredericton (N.-B.) E3B 1E2 Executive Director, New Brunswick Advisory Council on the Status ofWomen506 444-4101; 1-800-332-3087; fax 506 444-4318236 King St. Fredericton, N.B. E3B 1E2 rosella.melanson@gnb.ca ; http://www.acswcccf.nb.ca/ Subscribe to NB Women's News / NouvELLES, our free weekly email withnews about N.B. women. Send SUBSCRIBE to acswcccf@gnb.caAbonnez-vous a NouvELLES / NB Women's News : a chaque semaine, uncourriel de nouvelles d'interet aux femmes du N.-B. Envoyez "ABONNER" aacswcccf@gnb.ca.
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30 January 2008
THE INVISIBLE GIRL
presented by the Riverview Arts Center and the Capitol Theater
Wednesday January 30, 2008 at 7:00 pm
where:
Riverview Arts Centre Inc
400 Whitepine Rd (in the high school)
Riverview, NB
506.852.7189
Tickets $14.50 Adult $6.50 Student hst included
Available from the Capitol Theater Box Office
Age range: Grades 2 - 7
Ali isn't really invisible...In fact she used to be part of the most popular group in Grade 5. Then she made a BIG mistake. Now all her best friends ignore her. But Ali realizes she's not the only one who feels this way...
The Invisible Girl is a smart and funny look at our culture's preoccupation with fashion, beauty and popularity. It's about being yourself and standing up for what's right, even if sometimes it's easier to be invisible.
http://www.greenthumb.bc.ca/play_detail.asp?pageid=707&playid=100
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1 February 2008
GARDEN PARTY
Friday February 1, 2008 at 7:00 pm
Riverview Arts Centre Inc
400 Whitepine Rd (in the high school)
Riverview, NB
506.852.7189
Tickets $18.00 Advance $20.00 At the door (hst included) Available online http://www.riverview-arts-centre.ca/ and at the following locations:
Sobeys 535 Coverdale Road, Riverview (cash only)
Jean Coutu 438 Coverdale Road, Riverview

A comedy for gardeners both casual and crazed! This creative show
is as fun-filled as a summer evening with music, tap dance and
battling garden gnomes.
-- or contact Peter Brzezicki at 506.872.0002
info@riverview-arts-centre.ca
http://www.riverview-arts-centre.ca/
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18 February 2008
Addictions, Addictions Services and New Brunswick Women
Lunch & Learn with: Dr. Margaret Dykeman of the UNB Nursing faculty, whose key areas of expertise and research include addictions and Marianna Stack, President, Elizabeth Fry Society of Saint John - a long-term advocate of services for addicted women, especially for women in prison in N.B. Monday, February 18, 2008, 12 noon to 2 pm.
Saint John Free Public Library, Market Square
Light lunch provided. FREE but you must pre-register by sending your name, phone & group/workaffiliation to: acswcccf@gnb.ca or 1-800-332-3087.Sponsored by New Brunswick Advisory Council on the Status of Women.Wear NO SCENTS please.
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9 - 12 April 2008
Hairy Tease Productions present the comedy, "Never Too Late" at Théatre l'Escaouette in Moncton. Tickets go on sale February 25 and everyone is advised to get theirs early. Last fall's production sold out all four nights! Watch for updates on this production.
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11 - 13 April 2008
Moncton Kiwanis Lifestyle Show
Be sure to head to the Moncton Coliseum Complex April 11 - 13, 2008 for the Moncton Kiwanis Lifestyle Show. Our new show features will delight ALL of your senses. Whether you're building or renovating your home, planning your landscape or garden or are looking for new home entertainment ideas and tasty treats . . . this event will be sure to deliver. This year the Family Show offers exhibits, demonstrations and interactive displays for families of all ages. This section is focused around sport & fitness, entertainment, vacation & travel, financial & retirement planning, community services, non-profit organizations, youth products and recreation. Here’s an event you won’t want to miss!

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8, 9, 10 August 2008
We are looking for 1968 Teachers College, Fredericton, grads ( French and English) for our 40th reunion on August 8-9-10, 2008. It will be held at the Ramada ( former Ho-Jo's) in Fredericton. More details to follow as planning is ongoing. If you are interested in receiving information or attending, please contact Betty (Rioux) Smith, 404 Rue Marguerite , Dieppe, NB E1A7H1,
1-506-386-1640 or shsbas@nb.sympatico.ca
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If you have a notice of an upcoming event you would like included on this page, please contact Wayne and Barb at wbharrig@nb.sympatico.ca

SENIORS RESOLVE TO ENJOY LIFE AS IT COMES

Today's generation of seniors are not content to sit idly and watch their lives slip past them

By Jim LevineThis Week Staff
Published Saturday January 5th, 2008
Appeared on page A6
It's that time of the year again, when we make resolutions that all add up to one big denial of everything fun.
We won't, as we age, indulge in things like gravy, even though it is one of nature's most perfect sauces.
We won't overeat on leftover sweets from the Christmas season for fear it will cause us to gain a pound or two.
We will exercise every day even though just getting out of bed in the morning is becoming a bit of a chore.
And, we'll use moderation in all things, though our energy for indulging in life's excesses tempers our personalities all on its own.
As we grow older, it's a fact that we ultimately develop some kind of illness or infirmity. Hips give out, joints ache, just the simple act of remembering where the car keys are requires considerable effort sometimes.
The meanest thing of all that our society has created is the blame game when we get ill.
We develop diabetes, for example, and people can't wait to scold us for a lifetime's indulgence in divinity fudge.
Our liver gives out, and the neighbourhood sages wisely agree there were a few too many beer cartons piled up at the bottom of our drive-ways on Boy Scout bottle drive day.
We develop late onset asthma or some other breathing difficulties, and there's always a friend or relative who remembers how you loved your cigarettes in your 20s.
The underlying message is the same: You're sick now. You're going to cost the medical system money now. And it's clearly your fault.
Well, it isn't. If I have one clear resolve in 2008, it is that I will unabashedly go on living as best and as wildly I can into my old age, and refuse to be cowered into a dull existence because sometime or other, illness will strike.
We treat our cars with more respect than our older residents. When a relatively new car needs a brake job, we don't scold the vehicle for stopping when pressure was applied to the peddle.
When it needs an oil job or new sparkplugs, we accept it is part of life's maintenance plan, and fix it.
But let grandmother or grandfather get ill, and apparently it's the natural extension of an ill-lived life.
The reality of life is that if you live long enough, just about everything you enjoyed in your youth will wind up causing cancer, crippling you, or destroying parts of your brain power.
The longer you live, the more chance there is that the unwitting acts of our youth will come back to haunt us.
We need to go to the hospital on occasion to get a tune-up and continue to drive at full speed what miles are left in us.
Our aging generation is not solely responsible for our escalating health-care costs.
In fact, a 33-page study by senior economic Marc Lee with the Canadian Centre for Policy Alternatives debunks the "myth" of runaway costs as baby boomers enter their final years.
The research paper actually shows that the ageing baby-boomer generation will add less than one per cent to health-care costs each year.
And it says the cost of maintaining the health-care system well into the future will be easily met by economic growth.
Health-care costs, the study found, do not rise uniformly just because people are aging.
In fact, most of the costs associated with aging occur in the last year of life, at rates about 50 to 100 times higher than seniors in general.
Using published health-care and population data, Lee concluded that aging contributed a mere 0.8 per cent to the cost of public health care in the last decade.
So as we seniors enter 2008, let's stop feel bad about being a blight on the health care system.
We will take reasonably good care of ourselves, since that is only common sense.
But we must resolve to stop feeling guilty if something goes out of whack, and stop feeling like a burden to the system we paid taxes our whole life to create.
Now I must run. I believe there's still a few shortbreads left from Christmas to polish off before I have a nap.

TAKING CARE OF OUR SENIORS

Published Saturday January 5th, 2008
Riverview This Week, Moncton This Week

Caregivers are family members or friends who care for a loved one at home, without any compensation. Most often, they are women caring for their husbands, or children looking after a parent. A lot of seniors still live at home, but experts estimate that 80% of the work is done by their caregivers.
Some caregivers do so by choice, others by necessity; all do it for love. While providing care at home is not a new phenomenon, social circumstances have changed over the last fifty years. Today, caregivers must conciliate their job and their responsibilities as caregivers, without neglecting their own health.
In many regions, there are support groups for caregivers. If you are in this situation, do not hesitate to contact a support group in your area. You will receive information, referrals, and support.
Support groups organize information workshops on different topics, like the services available in the area for help with housekeeping, finances, residential relief care, guardianship, etc.
Being a caregiver should not be a sentence, but rather a free choice. Knowing what resources are available, caregivers can fulfill their role in a balanced and healthy manner.
Canadians have one of the longest life expectancies in the world. On average, Canadian men live for 82.4 years and women, 85.8 years. Over the past few years in Canada, we have noticed a reduction in hospitalizations for hip fractures as well as improvements in functional health (vision, hearing, speech, dexterity"¦).
Canadian seniors consider themselves very healthy, both physically and mentally. This is great news concerning our elders, those parents, grandparents, and friends whom we love so dearly.
However, in spite of the positive trends regarding health, elderly people in Canada still face many complex difficulties regarding aging, and their quality of life tends to diminish with age.
Because health problems increase as we age, the elderly are more restricted in their activities than younger Canadians: 7% need help with everyday activities, like taking a bath, dressing, eating, and moving from one room to another, while 24% need help with tasks like preparing meals and housekeeping.
Older Canadians are also more prone to injuries and falls, which further limit their mobility and their independence.
Fortunately, there are more and more caregivers willing to lend a hand to our seniors. In 2002, 4.2 million Canadians cared for an elderly person on a regular basis. Caregivers play many different roles.
You are a caregiver if you help a loved one remember to take their medication, prepare their meals, assume the housekeeping duties, help them keep their appointments, run errands, etc. These acts, as simple as they are, can make all the difference.

Friday, January 04, 2008

SENIOR CARE WILL CONTINUE TO DOMINATE

By KEN MCGEORGE
For The Daily Gleaner
Published Friday January 4th, 2008

Care for our seniors and elders has come on the political agenda in North America in recent years and, in 2008, we will hear more of this.
Population statisticians tell us we are seeing the beginning of the baby boomers' move into elder care.
Since baby boomers represent such a critical and large segment of the population, the implications for health care and social services are immense.
Last January, the waiting list for admission to nursing homes in the greater Fredericton area was 20 names long; by November it had climbed to 71, an increase of 355 per cent.
The numbers may not be great, but nursing home beds don't turn over as they do in acute care, so the numbers are profound.
If we are at the early stages of the baby boom generation needing such services, and if the waiting lists have increased that rapidly in one year, what will it be in five years?
Yet, there are no official plans at this point for providing significantly more beds in nursing homes.
Another crisis in the making?
The crisis is probably already here, since the Dr. Everett Chalmers Regional Hospital has, on any given day, 40 patients waiting for admission to nursing homes. And when the average citizen needs to get into hospital for urgent surgery, heaven help him or her.
It has been the pattern of decision-making in health and social services in our country that we have to come up to a crisis period to spur us into action.
The reason for our hesitancy to act on what we know?
The health agenda is dominated by the forces of large drug companies and powerful professional associations and unions, the net effect of which makes it nearly impossible for governments to make good and timely decisions.
The impending crisis has been known and predicted accurately for well over a decade, yet year over year inaction at the public policy level has failed to create a realistic strategy.
The current government of New Brunswick, having had the foresight to include a commitment to excellence in seniors' care in its election platform, is positioning itself to respond to the crisis.
Already the government has authorized more beds in advance of the release of its long-term care strategy.
In response to expressions of need by the New Brunswick Association of Nursing Homes, the government has dramatically improved staffing for nursing homes.
Institutionalizing the elderly, however, is not the sole answer to our society's problems. The economic impact of providing institutionalization for the frail, elderly and baby boomers, who are feeding that age group, would be unaffordable.
There are many ways in which our society can provide wonderful and appropriate care for the elderly and for those with physical or mental challenges, other than simply institutionalizing them.
Hospital accommodation is brutally expensive.
Nursing homes can provide the same service for the elderly, and some would say more appropriate service, at 20 per cent of the cost.
Yet we need better strategies to help people remain at home or in lesser-care facilities longer.
The province's minister of family and community services has spoken of the Australian model which, we are told, resembles the nursing home in the home model.
Others have advanced the idea of using the smart home as another model for assisting seniors to maintain independence.
When we get beyond the normal resistance to change, the following are things that must happen in New Brunswick in 2008, if we are to effectively deal with the rapidly growing seniors population:
* seriously conserve spending in acute care by reducing infrastructure and competitiveness;
* create more nursing-home beds, which are a less expensive way to provide institutional care for seniors;
* provide regional infrastructure to let nursing homes and regional health authorities work together better;
* create a series of seniors' health centres where seniors can receive emergent care without visiting an emergency department and where they can get information on the vast number of services available to them;
* overhaul the single entry point system to reflect the electronic way of doing business;
* create a series of services that will be an alternative to institutionalization such as foster care, nursing home in the home, supportive housing and such;
* move the control of the education and training of health professionals back from professional interest groups and training facilities to the service providers.
This is the model that was in place years ago and did, in fact, serve the public very well.
Some of these strategies and many more will, I expect, be included in government's long-term care strategy. The public should look for it to emerge early in 2008.
Once released, we need to encourage government to be strategic in the implementation of its elements.
The issues are so profound that dealing selectively with them will not lead to resolution of the long-term care issues in the province.

Ken McGeorge is the executive director of York Manor.

Thursday, January 03, 2008

SUSSEX AVENUE FIDDLERS: MUSICAL MILESTONE

Published Saturday January 5th, 2008

This fall, the Sussex Avenue Fiddlers, under the direction of Ivan and Vivian Hicks, kicked off a special milestone - their 30th Anniversary season. The group was formed in the late 1970's in the Hicks' music room of their Sussex Avenue home in Riverview.
It began with a half dozen adult students who met for practice on Wednesday evenings and went out into the community to entertain seniors, do benefits, play for various organizations and church events.
Now numbering nearly 50 members, the group is made up of folks from their pre-teens to their eighties. Of the more than twelve fiddle groups now existing in New Brunswick, the Sussex Avenue Fiddlers was one of the first to have been formed.
As one of the special planned events for their 30th season, the group will be taking their Maritime music on a showcase tour with Fairway Tours of Riverview in 2008 through the Eastern United States to Louisiana.
This 17 day journey from late February to mid-March will see them play many venues, sharing their Eastern Canadian style of music with audiences in places such as Bristol, VA, Nashville, TN and Lafayette, LA.
While in Nashville, the fiddlers will have the opportunity to visit the famous RCA Studio B and record something of their own. Throughout the tour, they will also have various radio and television appearances, including one at the Lincoln Theatre on the "Songs of the Mountain" program that airs on PBS.
With a main destination of Louisiana, they hope to make this trip a cultural exchange as they meet Cajun musicians and fans. This is especially exciting for the many members of Sussex Avenue Fiddlers who are of an Acadian ancestry.
For the three younger members of the group that will join the adults on this adventure, they hope to make this a learning experience both musically and culturally.
A special event for the "hometown fans" took place on Oct. 20, 2007 in the form of a concert entitled "An Evening with Ivan and Vivian Hicks and the Sussex Avenue Fiddlers". To the delight of the sold out audience, the show highlighted the many and various talents within the group.
The group will all perform at a Community Breakfast hosted by the Knights of Columbus on Jan. 19 from 8 to 11 a.m. at the Dan Bohan Centre at 5 Fatima Drive in Riverview.

Tuesday, December 25, 2007

C.D.'S BY SYLVIA CAMPBELL, GERALDINE CHARTERS

Sylvia Campbell

Echos and Strings


















To purchase your copy of Echos and Strings, contact Sylvia Campbell at
506-386-4601 or e-mail sylarch@nb.sympatico.ca. They can also be purchased at Frank's Music, 245 Carson Dr. Moncton,NB
Sylvia's web site is www.myspace.com/sylviacampbell
Here you can find her bio and listen to a cut from the c.d.








Geraldine Charters

One day at a time





To purchase your copy of "One Day at a Time", contact Geraldine by e-mail, phone, or snail mail- contact information below. Cost is $20 (plus $2 shipping if necessary)

Check out Geraldine's page at www.myspace.com/geraldinecharters



Contact:
Geraldine Charters
89 Kendra Street, #4
Moncton, NB E1C 8V8
Phone: (506) 854-7045


Sunday, December 16, 2007

HALIFAX WRITER PUBLISHES FIRST NOVEL





Our friend, Susan Cameron, of Halifax, has written her first novel, “These Four Walls”. Susan and her husband Keith are the CARP reps in Nova Scotia. Published by McArthur & Company, the novel is described as “beautifully written and compelling, the story of three generations of a Halifax family from a major new Atlantic writing talent”. To be sure of a copy, check out your local bookstore. Chapters has copies. You may also check out more information about the novel by visiting Amazon.ca. Just above, click on the Amazon icon and search for Susan Cameron. You’ll be glad you did!
Wayne and Barb
**************************************************************************
Reader review from Indigo Books
A Must Read!
These Fours Walls was a wonderful book to read! I absolutely loved it! The story centers around Rose, a girl who lives her teenage years in Halifax during the years of World War II. Having lost both parents, Rose, and her sisters Lily and Violet, each learn to deal with their future in her own way. The essence of this story is the relationship between a now elderly Rose and her grown daughter, Barbara. Their relationship is fraught with the challenges facing mother-daughter relationships everywhere. However, the reader is allowed to see Rose's life from her early teenage years to when she becomes a new mother. So much becomes understood when this history, which is unknown to her daughter, is revealed. Susan Cameron has written a tremendous book. Her beautiful writing reveals complex relationships in a way that every reader will understand and to which she will likely relate. Rose's life was such a triumph while, at the same time, entrenched with such sadness. This is Cameron's first novel. I will be watching - and waiting - for her to write another!
December 30, 2007 - 5:50 pm
****************************************************
Article from Halifax Sunday paper-
HFX SUNDAY - LIFESTYLES & TRENDS
16/12/07
Two tales of the city

AUTHOR INTERVIEWS
STEPHEN CLARE
Novels by local authors set in Halifax's historic recent past, and dot-com present
Off Book Mark Sampson Norwood. 362 pages. $24.95
These Four Walls Susan Cameron McArthur & Company. 398 pages. $29.95

Two recently released novels by Halifax-related authors are now on local bookshelves, offering up distinct impressions on life in our city. And while both Mark Sampson's Off Book and Susan Cameron's These Four Walls paint unique portraits of life in the Nova Scotian capital, each work echoes with familiarity.Mark Sampson was born in Prince Edward Island, and later graduated from the King's College Journalism Program. Though his short fiction has appeared in numerous literary journals, Off Book - an intriguing story of individualism set against the backdrop of Halifax's emerging IT industry - is his first full-length novel."The initial inspiration came to me in 2000 while I was working as a business journalist in Halifax," he says. "This was at the very peak of the so-called dot-com boom and I was covering a lot of stories about emerging technologies and the effects they had on the way businesses ran and treated their employees. I was fascinated by the endless possibilities that seemed to exist on the Web - but also by the ludicrousness that many online businesses got roped into."Sampson recalls the moment the muse took hold."I was covering a press conference for some start-up and I remember the owners going on and on about how they were bringing 'innovation' and 'best human-capital practices' to their workplace - and it just seemed like so much empty corporate rhetoric. Some of the young employees in attendance, the programmers and designers and so forth, didn't look all that happy to be there despite receiving what I assumed were decent salaries and 'revolutionary' perks and benefits. And it kind of set my imagination ablaze as I trudged back to the office."The experience sounded all too familiar to the author."I pictured one of these workers to be sort of like me," he says. "A cubicle denizen during the day but harbouring deep-rooted literary aspirations in his private life, and this being the source of his aimless dismay. When the idea hit me, I knew I had something more fulsome on my hands than just a short story or a poem - two other media in which I work - and I soon made the long-term commitment to the characters and situations that began taking up residence in my mind."That inspiration did not immediately give way to perspiration however. "It was another two and a half years of thinking and planning, doing character sketches and research, before I actually sat down to begin a first draft," said Sampson. "I weathered a lot of false starts with this novel and considered moving on from it in the beginning. But I eventually found the tone and atmosphere I wanted, and managed to push through various drafts until it began to take the shape I wanted."The experience of putting the work together changed Sampson's perspective on the craft of writing."I'm of the belief that writers need to embrace three core habits," he says. "They need to read every day, write every day and live life to the fullest every day. I'm a writer because it's the only thing I do even remotely well. I heard another novelist say recently that fiction writing is all about ambition and anxiety, and that describes me to a tee. I possess in equal parts a tremendous sense of dedication and a tremendous sense of insecurity and self-loathing. So the writing life suits me very well."
The writing life seems to appeal to Susan Cameron as well. The former journalist and author of two previous works, March to Etna and Bridgewater Bound, says that her latest work, These Four Walls - the story of three generations of a Halifax family - was inspired by her own past."I had a growing realization over the last decade - as my own parents and aunts and uncles have died - that they and others of their generation often left with much still left unsaid, questions unanswered, secrets kept, half truths only hinted at," says the author. "They were unable and/or unwilling to share certain aspects of their lives with us, their children - that the Great Depression, the war, with its losses, chaos, and sacrifices, were forces and realities so, so different to those that my generation - the Baby Boomers - have had to contend with."Cameron admits that the crafting of the book was not without its challenges. "The biggest thing was dealing with the structure of the story," she says, "how to tie in Rose's voice and perspective - as a child and later as she aged - with that of her daughter, Barbara. I didn't see the story as a linear one; but for a long time wasn't sure I could wrestle into shape a more circular, layered telling."Nonetheless, the author persisted, knowing that at some point the story would come together and make its way out into the world."I suspect that every writer hopes that their published work will be able to 'hold its own' in the readership world," she says. "It's rather like your child who you've conceived, given birth to, nurtured through those first important years. When he goes to school, you so hope and pray that you have prepared him well, dressed him appropriately, that he will be well behaved, as well as accepted, liked, appreciated; that he will do well in his life."She says that she is proud to be a part of the great heritage of Atlantic Canadian literature. "We come from long traditions of story telling," says Cameron. "And the pace of life here, the ocean fogs, the dark, whispering forests, the sandy stretches, allow us to immerse ourselves in our stories, give us time to sift and sort out the tales in our heads, and prompt us to grab a notebook, a scribbler, and write them down ... perhaps, over time, we have become hard-wired to the art of making stories."
16/12/07

Thursday, December 13, 2007

PREPARE FOR RETIREMENT FOR BETTER ENJOYMENT

For the unprepared, retirement is no walk in the park

By Steve MacNaull THE CANADIAN PRESS
Published Thursday December 13th, 2007

KELOWNA, B.C. - Stop treating your retirement like a long weekend.
"I see it all the time," says Barry LaValley of the Nanaimo, B.C.-based Retirement Lifestyle Centre.
"People plan and start their retirement like it's a 30-year long weekend. They take the things they used to do on long weekends when they were working and just plan to do them all the time in retirement. It's unrealistic."
That means many new retirees golf every day, travel, finish off projects in and around the house, play with the grandkids and then within two years have nothing to do and wish they were back at work.
LaValley outlined all this at a recent retirement planning seminar in Kelowna, B.C.
In all, LaValley says he talks to about 12,000 Scotiabank clients annually at 60 speaking engagements across the country.
"Money plays a role in retirement, definitely. That's why a bank is putting on this seminar," said LaValley.
"But what I'm here to tell people is clarify your vision of retirement because the reality is going to be different than most of you think."
LaValley's Retirement Lifestyle Centre develops programs for life coaches, counsellors and financial planners to help people plan the non-financial aspects of their retirement.
While retirement is a challenge for retiring employees, it's even harder for the self-employed.
Seventy per cent of the self-employed who retire return to some form of work within two years.
Men who are retiring especially find they gave almost everything they've got to work and now they have to give almost everything they've got to leisure.
It also means the man is spending way more time with his wife, even if she doesn't want that.
"I talk about the theory of continuity," explained LaValley.
"You are who you are. You aren't going to magically change in retirement." That means if you weren't a heavy traveller before, you are unlikely to be in retirement.
For instance, LaValley said 75 per cent of those retiring make ambitious travel plans. However, only 25 per cent actually take those trips.
It's also hard to pick up new hobbies in retirement, so those dreams of playing golf or tennis every day when you didn't before aren't likely to come true.
People who spent freely before will likely continue to do so in retirement. Savers will probably be savers in retirement too.
Retirement isn't a happiness pill either.
"Happy people tend to have happy retirements," said LaValley.
"Miserable people tend to have miserable retirements. If you're unhappy now, it's unlikely retirement will be able to switch that around."

Tuesday, December 04, 2007

ATLANTIC SENIORS WANT TO STAY PUT

Atlantic seniors want to stay in their own homes, communities.
Jo-Ann FellowsHealth Matters
Published Tuesday December 4th, 2007. Daily Gleaner

Atlantic seniors want to stay put.
They want to stay in their own homes as long as possible and if they do need to move one day, they want to stay in their communities.
Those are the main findings at the three-year mark of a five-year study of seniors' housing needs in the Atlantic provinces undertaken by a university/community research program funded by the federal government.
The Atlantic Seniors' Housing Research Alliance just issued an interim report on housing and support services. The report summarizes the survey of 1,702 independent seniors aged 65 and older, of whom 520 live in New Brunswick.
I am co-chairwoman for New Brunswick on this study.
The alliance study was designed to answer two questions: what will housing needs of aging Atlantic seniors be over the next 20 years, and what options, support services and government policies should be developed to meet these needs.
In New Brunswick, 59 per cent of the respondents were female, and 63 per cent of respondents were living with a partner. They are between 65 and 94. More than two-thirds live in rural areas, and predominantly they live in a home they own. About three per cent live in a mobile home, in contrast to Canada as a whole where one per cent do so. More than half of respondents still live in the same community as they had 35 years ago.
The largest number of seniors not only live in their own homes, they want to stay there. A majority said their current home meets their needs. However, more detailed questions point to some problems.
Half the seniors reported that they need some home repairs, and 20 per cent indicated that the repairs required were major. There was an indication that major repairs presented difficulties.
This is not surprising when you look at the income figures. There is a large gap between the poorest and the richest of the seniors. Twelve per cent of Atlantic seniors live on $15,000 a year, the same percentage have an income of more than $50,000 a year. Close to half report having an income of less than $30,000 a year. The accepted percentage of income is 30 per cent for shelter. Nearly 20 per cent of Atlantic seniors spend more than 40 per cent of their income on shelter.
About one third of seniors had made minor modifications in their homes to accommodate aging. These included grab bars or installing showers. Seniors were worried about falling on icy front steps, and almost half admitted their homes needed upgrading to increase energy efficiency.
Seniors said they needed help with yard work, regular visits, repairs around the home and heavy cleaning. Generally, they had family help for these chores.
Nearly 80 per cent of the seniors still drive so transport is not the major problem it often is with a rural population. The seniors anticipate a problem once they can no longer drive.
Generally, seniors in New Brunswick are aging in place, they are long term residents of their communities and they are mostly assisted by family. Although they knew about such things as reverse mortgages, they made no use of such means of capturing equity because they wanted to pass on the family home to their children. Even if they need to move one day because of frailty, they wanted to remain in their communities.

Jo-Ann Fellows is an elected board member of Region 3, River Valley Health, representing Fredericton South. The opinions are hers alone. Please send comments to letters@dailygleaner.com.

Monday, December 03, 2007

GROUP AN ADVOCATE FOR N.B.'S SENIORS

JANE BARRY
COMMUNITY PROFILE
Published Telegraph-Journal, Monday December 3rd, 2007

The New Brunswick Senior Citizen Federation,( NBSCF) is a powerful body and growing in numbers as more and more of our population reaches 50. The group welcomes members in this age demographic and can offer a great deal to New Brunswickers from all walks of life.
The NBSCF, founded in 1968, serves as an advocate for its 21,000 members. The federation's goals are to ensure the well-being and leadership of New Brunswick senior citizens 50 years of age and over, regardless of language, race, colour, sex and creed; to maintain a line of communications with all their members and to establish good relationships with government, corporations and provincial and national organizations.
There are 13 senior senior citizens zones areas in New Brunswick, affiliated with the NBSCF, whose head office is in Moncton. They are Bay of Fundy, Capital, Chaleur, Dairy, Kent, Loyalist, Maple Leaf, Miramichi, Nepisiguit, Nord-Ouest, Péninsule, Saint John River and Sud-Est. Next year will mark the federation's 40th anniversary. Provincewide celebrations are planned in June to mark the occasion when the first group was established in Sussex.
Ralph Smith heads the bilingual, New Brunswick organization of some 205 local clubs. He explains that they represent the wide-ranging interests of seniors. They recognize the fast-growing pace of this population, from about 107,000 seniors in the last census, to a projected 170,000 in 2011. Their input into the provincial long-term care and health strategies has been a priority. He stands behind the group's slogan, "The stronger our membership - The stronger our voice."
Members enjoy special discounts and privileges. In many zones, dedicated members approach businesses to offer discounts or rebates. Through Aviva Traders, the federation offers a group home and auto insurance plan, as well as health, dental and travel insurance. Members of the NBSCF receive the quarterly Horizons newspaper and the Bulletin, communications tools that serve as links between the federation and its members. Membership costs, including federation membership, vary from club to club, and can be as low as about $10. Stand-alone N.B. federation membership costs $20 for an individual and $30 per couple. It entitles the holder to a quarterly newspaper and substantial discounts from many businesses. One Arc-en-Ciel member was delighted with her combined auto and home insurance savings and another received discounts for a new hearing aid.
The Loyalist Zone reaches out to Saint John area seniors' clubs with monthly meetings regarding new benefits, news from the Federation. and activities. Loyalist Zone president Bertha Boyles explains that their spring and fall celebrations, hosted by the City of Saint John, are a highlight. The federation's annual meeting is hosted by a different zone each year.
"Last year," Boyles said, "the Loyalist Zone received a government grant and we took 87 seniors, who do not get out much, on a St. John River cruise, gave them a nice meal and took them back home. They really enjoyed it. We try to encourage our clubs to have fun; they have card games, dances, bingo, potluck or barbecues, and banquet for special occasions."
One of the Loyalist Zone Clubs is le Club Arc-en-Ciel. Elizabeth Godin, the president, and Eddie Gaudet are dedicated members and enthusiastic about the group of 100. It is the only francophone club in southwestern New Brunswick and even has its own band.
"We cater to all seniors," Godin stresses, it doesn't matter about religion, race or colour. The federation is the voice of seniors."
They gather for meetings, social activities and most important, says Gaudet, sharing information about the myriad programs and services available to seniors. Spreading the word to his peers is his primary reason for involvement.
"We have to tell people what's available for seniors," he said. "They don't know what's there."
For information about the New Brunswick Senior Citizens' Federation Inc. or how to join a golden age club in New Brunswick, call 1-800-453-4333 or write the Federation at 36 Albert St., Moncton N.B. E1C 1A9 or visit www.nbscf.ca

Community Profile is a weekly column highlighting community causes and work done by non-profit organizations in the Greater Saint John area. It is contributed by Jane Barry, executive director of The Greater Saint John Community Foundation. Contact the foundation at 506-672-8880. To view other Community Profiles go to www.saint-john-foundation.nb.ca

Saturday, December 01, 2007

SHORTCHANGED SENIORS SHOULD BE COMPENSATED

Shortchanged seniors should be compensated for accounting glitch: Layton

Jered Stuffco, THE CANADIAN PRESS
Published Saturday December 1st, 2007

TORONTO - Seniors shortchanged on their pension payments after Statistics Canada incorrectly crunched inflation numbers must be reimbursed by the federal government, NDP leader Jack Layton said Saturday.
"The government has admitted that they have not been paying the seniors who receive government of Canada pensions the appropriate figure, so there's millions of seniors out there who've been shortchanged," Layton told The Canadian Press.
Between 2001 and 2006, Statistics Canada low-balled inflation rates by 0.1 per cent each year on its Consumer Pricing Index, meaning payments to seniors were lower than they should have been for the five-year period.
According to Layton, some of the most vulnerable people in the country have been punished for an error made by Statistics Canada.
"The government has an obligation to make sure seniors are getting their due, and we've formed a coalition to make sure that happens," said Layton after meeting with several seniors' groups at his Toronto constituency office.
The government uses the CPI to calculate how much is paid out to seniors. But the agency responsible doesn't appear to ready to ante up.
A statement released from Human Resources and Social Development Canada, which is responsible for pension payments, states that like all western countries, "Canada does not adjust the CPI retroactively," and that if the CPI "was found to be too high, we believe it would be wrong and unfair to claw back seniors' hard-earned dollars."
It goes on to say the government "has continued to deliver for seniors by cutting taxes, investing in programs that matter to seniors, and continuing to ensure our public pension system remains a world leader."
While the government admitted to the accounting error in August, seniors complain Ottawa hasn't done anything to fix the problem.
Annie Lois, a retiree living on a fixed income, said that with rising living expenses and prescription costs, she barely has enough money to make ends meet.
"This week alone I've spent over 50 bucks on prescriptions, and then we hear that we've been cheated on our Canada Pension Plan - which we paid in for? I mean, c'mon."
John Campbell, president of the Retired Ontario Firefighters Association, said the miscalculation amounts to "stealing money out of our pockets."
Campbell added the CPI affects Old Age Security and Guaranteed Income Supplement payments as well.
"How many mistakes have they made in the past? How many will they make in the future?
The CPI is also used by other sources like the Ontario Municipal Employees Retirement System when calculating payments, said Don MacLeod, president of the Municipal Retirees Organization of Ontario.
"We think it could be as much as $500 per year for some people," he said, adding that more than 100,000 seniors receive OMERS payments.
"They've admitted a mistake was made but they're not willing to do anything about it."

LET'S BRING THEM HOME!

Letter to the Editor, Telegraph-Journal 1 December 2007

Self-sufficiency in New Brunswick by 2026! A population increase of 100,000 people by that time, and 5,000 new immigrants by the year 2015.
In the Speech from the Throne we heard, "Our growing economic strength will help retain our family and friends in our home province and make New Brunswick a more attractive place to return to or to settle in as new residents." Ah, there's one of the keys.
Over the years, many New Brunswickers have headed to other parts of Canada by choice or by circumstance. Now they are approaching retirement age. Let's bring them home!
The fastest growing population group in Canada are those who are age 65 and over. Between now and 2026, the number of seniors is expected to double to almost 8 million, one in every five Canadians. These seniors are healthier, better educated, more active, and more aware than at any time in our history.
New Brunswick is a wonderful place in which to retire. In previous years, when people considered this, they feared that a need for long-term care would drain them of the resources they had spent their whole lives working for. Often they decided to remain where there was no risk of that.
Now that the province of New Brunswick treats the residents of long-term facilities much more fairly, many more Canadians will make the decision to return. Those who consider returning home to retire will bring their pensions and investment incomes with them. They will be spending, not saving for a rainy day. They will have a positive impact on the economy of the province; we know seniors are taxed till their last breath on every cent of income. But even more important, seniors bring a wealth of experience and a willingness to work for the good of New Brunswick. Our message to the provincial government: send out a clear welcome to retirees across Canada.
Let's bring them home!
WAYNE AND BARB HARRIGAN
Riverview

Wednesday, November 28, 2007

RETIREMENT MORE ENJOYABLE WITH FINANCIAL PLAN

Investing
Bob Hillier
Published Wednesday November 28th, 2007 - Miramichi Leader

Atlantic Canada, it appears, is a good place to be retired. In a recent national survey, retirees from the region reported the highest level of satisfaction with life after work, at 81 per cent, compared to the national average of 74 per cent. The Prairie region reported the lowest level, 67 per cent, followed by Quebec, 78, Ontario, 74 and British Columbia 72.
"There's obviously something very special about Atlantic Canada," says Peter Drake, vice-president of retirement and economic research with Fidelity Investments, which commissioned the survey. "Obviously part of being satisfied in retirement is being secure in your financial situation."
Quality of life in retirement is becoming a major issue as the baby boomers get older. Every day some 800 of our citizens turn 65, and one in eight Canadians, or more than four million, have already reached that milestone. Statistics Canada projects that by 2041 that number will more than double to some 10 million.
Having a plan in place makes all the difference, Drake adds. Retirees who have worked with a financial adviser and have a written retirement income plan report the highest levels of satisfaction. These sentiments are echoed by pre-retirees who are working with a financial adviser and already have a written retirement income plan. They expect to be more satisfied in retirement because they know they are better prepared.
"Planning and saving for retirement can be hard work and does require diligence, but it does not have to be a negative experience," added Drake. "Working with a financial adviser and setting out your goals for retirement can help ease the uncertainty for the next stage of your life. The vast majority of Canadian retirees who are enjoying their retirement are the ones who planned for it."
A plan should include a projection of essential expenses during retirement, such as food, clothing and lodging.
"You would want to fund your essential expenses from your most secure sources of income, such as Canada Pension, OAS, company pension plans and annuities."
A plan should also take into account the five key risks to any retirement plan:
• Longevity: Advances in health care mean people are planning for a retirement that could last as long, or even longer, than their working years.
• Inflation: Even at a relatively low rate of two percent annually, inflation erodes your purchasing power. In 25 years it is reduced to 60 percent of where it began. "CPP and OAS do have some compensation for inflation, but you also need to be able to compensate for it with your other sources of retirement income."
• Withdrawal rate: How much can you withdraw each year and maximize the life of a portfolio? "The difference between taking out four percent and six percent each year can be quite substantial in terms of how long a portfolio will last, " Drake adds. "As you move through retirement you can obviously adjust the withdrawal rate."
• Asset Allocation: You want to reduce your exposure to risk as you approach retirement, but Drake advises against abandoning equities entirely.
• Health Care: While Canadians enjoy universal health care, there is a growing list of medical services that the government may deem not medically necessary, but which an individual may find essential for a full quality of life.
Having a meaningful way to spend your time is the other key component of retirement satisfaction, Drake adds. Some people are continuing to work by choice, whether for the social interaction or sense of routine. Others turn to volunteering. "For people who do want to work in retirement, there's going to be plenty of opportunities," Drake says. "The key issue is to have choice. If you're working because you want to, and not because you have to, you're probably going to enjoy your job a lot more."
Source: Halifax-Chronicle Herald…Joey Fitzpatrick

Tuesday, November 27, 2007

SENIORS DESERVE PRIVATE WASHROOMS

Letter to the Editor, Moncton Times&Transcript, 27 November 2007

To The Editor:
In response to " Show respect to senior citizens" in the Times & Transcript Nov. 23, I would like to support Oliver Leger in his quest for individual, private washrooms in nursing care facilities.
At the present time, I am not personally affected but when the time comes that I must avail myself of nursing care homes, I would most certainly appreciate and expect, if not demand, the privacy of a personal washroom.

Louise Gilbert
CARP representative for New Brunswick,
Moncton

Monday, November 26, 2007

THOUSANDS OF CITIZENS STILL HUNGRY IN N.B.

Published Monday November 26th, 2007 - Miramichi Leader

The Canadian Association of Food Banks has released its Hunger Count 2007 report. It indicates that hunger remains a problem for too many citizens in New Brunswick.During March 2006, over 16,000 New Brunswickers visited a food bank to help them in their daily survival.Of those citizens, an appalling 33 per cent were children, meaning the problem of poverty risks being transferred from one generation to the other. As a province, we must stop that process if we want to reach self sufficiency as the Shawn Graham government is promoting.Citizens from this province have to understand that social conditions are also the cause of poverty, which are not always the sole responsibility of individual citizens.For instance, in New Brunswick:
* the minimum wage is one of the lowest of all Canadian provinces ($7.50 an hour);
* more than 40,000 persons are getting welfare allowances;
* the New Brunswick welfare allowances are the lowest of all four Atlantic provinces;
* a person living alone receives a $521 monthly allowance.
We are seeing an increase in the number of poor workers and seniors going to food banks or soup kitchens to get the food they need to survive. With the decision to build a casino in the province, we will have to get ready to see an increase in despair for many citizens and their use of food services to get by. It is time for this government to adopt a policy to reduce poverty and not to increase it.The Common Front for Social Justice calls on the New Brunswick government to follow Newfoundland and Labrador's 2006 strategy to eradicate poverty in that province.The measures implemented are improving the overall living conditions of its poor citizens.They include an increase of the minimum wage to $8 an hour in April 2008, important investments in affordable housing, the improvement of childcare services, the increase of the number of young people graduating from High School and the increase of literacy programs for adults.The front is asking the New Brunswick Government to adopt a poverty reduction strategy. Before implementation, a consultation of welfare beneficiaries, workers paid minimum wages and business must be consulted. Shawn Graham must lead those consultations.The front is fighting to build a more human New Brunswick society based on the respect and the dignity of everyone.
Visit our web site at :
www.frontnb.ca/en/Home_en.htm
Linda McCaustlin
Co-chair the Common Front for Social Justice

LOCAL FIRM THRILLED WITH OLDER STAFF

Published Monday November 26th, 2007 - Moncton Times&Transcript

Mark Stubbs, manager of Moncton's Home Depot, is seeing it more and more -- retirees who decide to re-enter the workforce, whether full-time, regular part-time or on a more occasional basis.
"We love their expertise," says Mark. "In a typical department, we'll have someone 55-plus working with a 21-year-old. It makes for a great dynamic."
To take advantage of the wealth of knowledge and experience of older workers, Home Depot Canada formed a hiring partnership in 2005 with Canada's Association for the Fifty-Plus.
Locally, the store draws many workers who have retired from careers such as at CN and the military, says Mark.
"Some have taken early retirement and found that life's not as full as they would like," he says. "We provide flexible shifts. They usually want part-time. Their availability is dependent on what stage of their life they're in."
Of the 120 employees currently working at the Moncton Home Depot, 19 are over the age of 55, five are over 60 and two are 65-plus.Much of the buzz about the company being open to hiring older employees has been generated by word of mouth, says Tina Smith, the store's manager of human resources.
"When people come in, they see that there are many people on their third career," says Tina. "In the retail industry, they're choosing us. We're not choosing them. That's wonderful. And it's building customer confidence. Do you want to buy a $500 power saw from a 19-year-old or from a 55-year-old who's used it?"
The "seasoned" workers take their jobs seriously and generally make for excellent employees, she says.
"I very rarely have to have a talk with someone who is 58 about showing up to work time," she says. "Usually they're here too early."
Tina, who is also a director on the Moncton executive of the Human Resources Association of New Brunswick, says a key issue that needs to be addressed provincially when it comes to the older workforce is matching the right person with the right job.
"You have to link the workforce with a reliable product or service that generates that customer confidence," says Tina. "If you're going to put someone who is 60 in a fast-paced coffee bar, you may be doing yourself a disservice, also them and your customers.

Saturday, November 24, 2007

SENIORS FEAR FALLOUT OF I.D. THEFT

Consumer advocate says theft of government computer containing personal information of over 1,200 Maritime pensioners a 'wake up call' for privacy laws
By Kate Wright, Times & Transcript Staff
Published Saturday November 24th, 2007

OTTAWA - New Brunswick pensioners affected by a "horrific breach" of security after a Service Canada computer was stolen from a government employee's home earlier this month could be feeling the affects of the fallout for years to come, a consumer watchdog warns.
Consumers' Association of Canada president Bruce Cran said yesterday the private records of over 1,200 seniors on the stolen laptop could be in jeopardy for longer than the federal government realizes.
"Someone who has that kind of information is not going to attack every name overnight -- they're going to use it over a period of time," he said.
Cran said the incident raises questions about why a government employee could have taken a computer with such private and sensitive information out of the department in the first place.
"What sort of process is involved here that would allow him to download this stuff," said Cran. "How did this person get a hold of this computer and what penalty has been given.
"It's frightening at a time when privacy concerns are greater than ever."
The laptop contains personal information of old age pension clients in the Maritimes and was stolen in Summerside.
The digital data includes names, addresses, birth dates, social insurance numbers, mothers' maiden names, monthly payment amounts and bank information for direct deposits.
An arrest had been made but the computer had yet to be recovered. A national RCMP spokeswoman said she could not comment on an ongoing file.
Service Canada has sent letters to the pensioners affected.
Canadaeast News Service received a call from one Fredericton-area resident who was affected by the theft and was very concerned.
The man, who chose not to comment, said he spent hours changing his banking information but still did not know if his SIN was safe.
Despite calls from the Opposition benches, there was little explanation from the federal government yesterday as to why the employee was able to take the computer home.
Lynne Yelich, parliamentary secretary to Human Resources Minister Monte Solberg, would only say that the government was taking the matter "quite seriously."
"There is a process in place and we are doing everything possible to make sure that this is taken care of," she said.
But Prince Edward Island MP Joe McGuire said the federal Tories aren't doing enough to assure the victims that the incident won't happen again.
"Although the government initially notified the people whose identity has been compromised, it has done nothing since, not even notifying banking institutions of the breach or providing counselling to those seniors," he said in Question Period.
"These seniors are very concerned and nervous."
This week, the federal government introduced legislation to help combat identity theft.
The misuse of another person's identity information is an offence under the Criminal Code, but the preparatory steps of collecting, possessing and trafficking in identity information are generally not captured by existing offences.
The proposed legislation would create three new offences related to trafficking of information and possessing identity information with the intent to use it criminally.
These crimes would be subject to five-year maximum sentences.
While the legislation is a step in the right direction, Cran said the federal government needs to act quickly to ensure there are no further security breaches in their own departments.
"There's been very little action or accountability from the government and this will be a wake up call across Canada," he said.

Friday, November 23, 2007

SHOW RESPECT FOR SENIOR CITIZENS

23 November 2007, Moncton Times-Transcript

Letter to the Editor:
I would like to bring to the attention of the different New Brunswick associations that are the support system for the senior citizens of New Brunswick concerning the Level 1 and 2 of nursing homes that do not offer private bathrooms in their establishments.
I have mentioned this preoccupation to numerous members of the French Senior Citizens of NB Federation, but nothing seems to have been done about this, since nursing homes offering 1 and 2 levels are still to this day being built without private bathrooms.
Last time I checked we are far from the 1930s, I do not think that it is normal in 2007 for N.B. senior citizens living in level 1 and 2 nursing homes to share a bathroom with six other residents. I do not understand why the senior citizens federations do not address this preoccupation; the seniors are often left without a choice or do not have self defence in a situation like this.
Personally, I hold the senior citizens associations responsible for not taking the necessary steps to improve the system. I wonder if the members of these associations would like to spend their last days in a nursing home where they would have to share the bathroom with six other residents.
I think the association should exercise their power to bring this situation to the different government agencies responsible for nursing homes and the services offered in N.B. The associations should lobby the request that when a new Level 1 and 2 nursing home is being built anywhere in N.B., it should be built with a private bathroom for each room.
I do not expect a full bathroom in each room, but at least a lavatory and a toilet.
The senior citizens of N.B. have the right to be treated with respect and dignity.

Oliver Leger,
Caraquet

SPEAK OUT AGAINST CLOSURE OF CANADIAN HEALTH NETWORK

23 November 2007

Canada's leading web-based source for health information is slated for closure on March 31, 2008. 80% of the 15 million Canadians on-line seek health information on the internet. Canadian Health Network www.canadian-health-network.ca fulfills the federal government's commitment to individual engagement and responsibility for health and supports organizations building healthy communities. It is used by 395,000 people (unique users) monthly- 5.4 million+ a year, 40% are health professionals, who share info with clients. It has 20,000+ quality, peer-reviewed resources in English and French, in-depth information on 25 health topics and population groups, a bi-weekly electronic newsletter.
1. Write to the federal government to stop the cut in grants and contributions required of the Public Health Agency of Canada and reinstate the funds for CHN.
2. Ask your organization, board, other organizations to write letters.
3. Join Friends of CHN at friendsofchn@click4hp.ca .

The Right Hon. Stephen J. Harper, Prime Minister
Office of the Prime Minister
80 Wellington St., Ottawa K1A 0A2
Telephone: (613) 992-4211
Fax: (613) 941-6900
E-Mail: Harper.S@parl.gc.ca
PM's website: <http://www.pm.gc.ca/

The Hon. Tony Clement, Minister of Health
Minister's Office - Health Canada
Brooke Claxton Building, Tunney's Pasture
Postal Locator: 0906C Ottawa, ON K1A 0K9
Fax: (613) 952-1154
E-mail: Minister_Ministre@hc-sc.gc.ca
Direct correspondence right on the website:http://www.hc-sc.gc.ca/ahc-asc/minist/health-sante/contact/index_e.html
Copy: Dr. David Butler-Jones, Chief Public Health Officer
Public Health Agency of Canada
130 Colonnade Rd, A.L. 6501H Ottawa, ON K1A 0K9
Fax: 613-954-8529
Email: david_butler-jones@phac-aspc.gc.ca
Direct correspondence right on the website:http://www.phac-aspc.gc.ca/contact_cpho_e.html
and your member of Parliament, who you can find at:http://canada.gc.ca/directories/direct_e.html#mp
and opposition party health critics.-
Liberal: Robert Thibault (West Nova): Thibault.R@parl.gc.ca -
NDP: Judy Wasylycia-Leis (Winnipeg North): wasylj@parl.gc.ca -
Bloc: Christiane Gagnon (Quebec): gagnoc@parl.gc.ca -
Green Party: Health Promotion critic Blake Poland:blake.poland@greenparty.ca

Prononcez-vous contre la fermeture du Reseau canadien de la sante
La plus importante source d'information-sante sur le Web sera sacrifiee le 31 mars 2008. Parmi les 15 millions de Canadiennes et Canadiens branches sur Internet,80 % y cherchent de l'information-sante. Le Reseau canadien de la sante(www.reseau-canadien-sante.ca ) remplit l'engagement du gouvernement federal envers la prise en charge et la responsabilisation des particuliers par rapport a leur sante et soutient les organismes qui contribuent a creer des communautes en sante. 395 000 utilisateurs(uniques) ont recours au RCS chaque mois, ce qui represente plus de 5,4 millions d'utilisateurs par annee, 40 % des utilisateurs sont des professionnels de la sante qui font profiter a leurs clients de l'information. Plus de 20 000 ressources de qualite et evaluees par les pairs offertes en francais et en anglais, des renseignements de taillessur 25 sujets touchant la sante et divers groupes de la population et bulletin electronique bimensuel.
1. Veuillez exprimer votre opposition par ecrit au gouvernement federal afin qu'il annule les compressions dans les subventions et contributions auxquelles doit proceder l'Agence de la sante publique duCanada et retablisse le financement de l'ASPC, plus precisement pour leRCS.
2. Demandez a votre organisation, a votre conseil d'administration et ad'autres organismes d'ecrire des lettres.
3. Joignez-vous aux Amis du RCS au friendsofchn@click4hp.ca

Au tres honorable Stephen J. Harper, Premier ministre
Bureau du Premier ministre
80, rue Wellington (Ottawa) K1A 0A2
Telephone : (613) 992-4211
Telecopieur : (613) 941-6900
Courriel : Harper.S@parl.gc.ca <mailto:Harper.S@parl.gc.ca>
Site Web du Premier ministre : <http://www.pm.gc.ca/>

A l'honorable Tony Clement, ministre de la Sante
Bureau du ministre - Sante Canada
Edifice Brooke Claxton, Tunney's Pasture
Indice de l'adresse : 0906C (Ottawa) ON K1A 0K9
Telecopieur : (613) 952-1154
Courriel : Minister_Ministre@hc-sc.gc.ca<mailto:Minister_Ministre@hc-sc.gc.ca> Correspondance directe sur le site Web :<http://www.hc-sc.gc.ca/ahc-asc/minist/health-sante/contact/index_f.html>
Copier:Dr David Butler-Jones, administrateur en chef de la sante publique
Agence de la sante publique du Canada
130, ch. Colonnade, A.L. 6501H (Ottawa) ON K1A 0K9
Telecopieur : 613-954-8529
Courriel : david_butler-jones@phac-aspc.gc.ca<mailto:david_butler-jones@phac-aspc.gc.ca>
Correspondance directe sur le site Web :<http://www.phac-aspc.gc.ca/contact_cpho_f.html>et a votre depute de la Chambre des communes, que vous pouvez trouversur ce site :<http://canada.gc.ca/directories/direct_f.html>ainsi qu'aux critiques de l'opposition en matiere de sante :
- Liberal : Robert Thibault (West Nova) : Thibault.R@parl.gc.ca<mailto:Thibault.R@parl.gc.ca> - NPD : Judy Wasylycia-Leis (Winnipeg North) : wasylj@parl.gc.ca<mailto:wasylj@parl.gc.ca>
-Bloc : Christiane Gagnon (Quebec) : gagnoc@parl.gc.ca<mailto:gagnoc@parl.gc.ca>
-Vert : Critique de la promotion de la sante Blake Poland :blake.poland@greenparty.ca <mailto:blake.poland@greenparty.ca>

Monday, November 19, 2007

VETERAN'S WIDOW DENIED ALLOWANCE

Letter to the Editor, Telegraph-Journal, 19 November 2007

The federal government promised in their last election campaign to extend the Veteran's Independence Program to all widows of all veterans. Despite the large surplus the government is so eager to boast about, they have yet to keep this promise.My mother was denied the allowance in 2004, because according to Veteran's Affairs:"A review of our records reveals your late spouse died prior to Sept. 1, 1990.Therefore, unfortunately we cannot approve your application." My father serves overseas for four years. He served from April 1941 to September 1945.It shouldn't make any difference when he died. This is very insulting to tell someone that their husband had the misfortune of dying too soon. The fact is he served much longer than some veterans whose spouses are receiving the allowance, simply because the veteran was fortunate enough to live past Sept. 1, 1990.I have a very difficult time respecting a government that treats their veterans' spouses this way and I can only wonder how they will treat future veterans and their families.I have asked Minister of Veterans Affairs, Greg Thompson to reopen my mother's file concerning this project. I thought your readers may be interested in hearing how the government treats some of our veterans' families.

THERESA HAYES
Nash Creek.

WHERE WILL SENIORS FIND EXTRA MONEY?

Letter to the Editor
Telegraph-Journal, 19 November 2007

With all due respect, Mr. Hay, your suggestion that increasing power rates will move the general population to become more energy-efficient seems somewhat flawed at the low end of the income scale, which encompasses a large portion of New Brunswick's senior population.My parents live on a very fixed income. They are, by necessity, what we consider very frugal in their lifestyle, especially when it comes to hydro. They use the washer but never the dryer - even in the coldest of winter weather they use their clothesline.They light their rooms sparingly.They run their furnace as sparingly as their age will stand and are fortunate to have much of their home in a southern exposure for sun-heat even in winter. They are not extravagant with hot water, don't have a dishwasher, seldom use their oven and their only"counter-top" appliances are a toaster and an iron. Their home and windows are draft-free.And they are lucky! What about those living in conditions who can't afford to upgrade, to heat or eat?Mr. Hay, just how do you propose such low-income earners in this province find ways to save energy when across-the-board increased power rates further eat into their already-sparse, or empty, wallets?

KAREN HAWKINS
Pennfield.

SENIORS SHOULD BE ABLE TO STAY IN OWN HOME

In our view: Newly completed study will help them do so
Published Daily Gleaner, Fredericton, on Monday November 19th, 2007

A recently released study on the housing needs of seniors living in Atlantic Canada is an example of some right thinking.
It gives us a much needed record of what it is that seniors want and need. It also serves as an educational tool for groups, including government.
The research will be used to formulate recommendations that can be used to assist government decision makers, housing developers and community organizations in designing and planning for seniors' housing needs over the next 20 years.
The survey involved the participation of 1,702 seniors from across Atlantic Canada and asked detailed questions about their current housing situation, community supports and future plans and expectations.
It was conducted as the second phase of a five-year, four-part research project entitled Projecting the Housing Needs of Atlantic Canadians.
The bottom line is that seniors want to stay in their homes and the results of studies such as this will play a major role in allowing them to do just that.
"Seniors want to stay where they are," said Dr. Donald Shiner, associate professor at Mount Saint Vincent University and principal investigator of the new Atlantic Senior's Housing and Support Services Survey. "They have been in their homes for 30, 40, 50 years. They love their homes."
Keeping seniors in the environment they love benefits society in a number of ways -- none the least is the cost of health care. If aging members of our society can be looked after in their homes and not in a publicly funded institution, then everyone benefits.
In October, The Daily Gleaner published a themed newspaper, delving into some of the challenges and opportunities as our population demographic changes. When the last baby boomer retires in this region, one in four of us will be a senior.
Studies like this are critical to understanding the challenge ahead.
And we can learn from best practises identified elsewhere.
For instance, in Denmark, all new houses constructed since 1995 are built for life.
Danish homes have wider hallways and doorways and a wheelchair-accessible bathroom and bedroom on the ground floor.
The cost of creating homes for life has been put at $3 a square foot. That works out to an extra $4,500 for a 1,500 square foot home. But Denmark found the resale value goes up by about $10,000.
The Danish example shows how there is fresh thinking and fresh approaches elsewhere in the world that can be adapted to our situation.
In all our studies into the future we need to be aware that we're planning a world for a changing demographic. Tomorrow will all too soon become today.

OPTIONS TO PROTECT RETIREMENT CASH FROM TAX MAN

Roger Haineault
CAPITALAPPRECIATION
Published Monday November 19th, 2007 , Daily Gleaner, Fredericton

With retirement well on the way for many Canadians and looming for the baby-boomer demographic, many of us are wondering how to fund those years.
While there are government funds available for virtually everyone -- the most common being Old Age Security and various supplement programs -- not all of us will have a private pension on which to live.
Those who were in the workforce will be entitled to some form of the Canada Pension Plan and will have the flexibility to receive it as young as 60 or defer it to age 70. Some may choose to share it with a spouse.
Others who have worked and contributed to a company pension will have the opportunity to split this income with a spouse beginning in 2007.
There are two main styles of pension plans: defined benefit and money purchase. As the name suggests, defined benefit plan members know exactly how much by formula they will receive at retirement, if not the exact dollar amount.
Money purchase members accumulate a pot of money, which then goes to purchase as much retirement income as possible.
Some of those retiring will have RRSP funds to deploy, and while it seems redundant to state that one can actually have too little in registered funds, nothing could be closer to the truth.
Most of the social benefits available from government sources such as the supplement or items like the provincial drug plan are dependant on income.
Too much income and the various programs are eliminated. That's why some people actually look to collapse their RRSPs before they reach retirement.
So where do people put the money they've saved? Well, if they leave it in the bank or place it in some other form of interest bearing account such as a GIC, they usually earn a nominal amount of interest.
And to add insult to injury, interest income is the highest taxed form of investment yield.
Capital gains, on the other hand, are attractively treated from a tax perspective. Only half of the actual profit is reported on the tax return.
But the most attractive form of investment income are dividends -- particularly from large corporations. For someone earning $50,000, almost 38 cents of every dollar of interest is taxed while less than 10 cents of every dollar of dividend is submitted to the Canada Revenue Agency.
But what if you don't want to pay any taxes? Any money that you have already paid tax on is yours to keep. After all, when one takes money out of the bank, he or she doesn't have to pay tax on the withdrawal.
And there's more than one place to keep your money. As a result, many Canadians are now exploring alternatives such as reverse mortgages.
Unlike traditional forward mortgages in which a lender advances funds and the homeowner pays off the debt while increasing his or her equity through market appreciation, the reverse mortgage is the opposite.
A homeowner accesses the equity by receiving a lump sum (based on the value of the home and the rate of interest). Until the sale of the house (or death), the homeowner is not required to make payments on this advance.
Instead the value of the home secures the repayment to the lender. Since the money is equity in the home, just like money in the bank, there are no tax ramifications.
In fact, if the money is then used to make an investment, the interest the lender charges become tax deductible as a carrying charge.
However, a word of warning: the money borrowed under a reverse mortgage has a way of eating up equity.
At current rates of interest, the amount of the loan can double within 10 years -- a scary thought, and one that requires exploring before any decision is made.
Another alternative to accessing funds while deferring taxes is through the relative new return-of-capital-style products.
An investor purchases shares in a mutual fund that distributes income. Instead of this being typically comprised of interest, dividends or capital gains, the payment is considered to be a return of capital, which effectively lowers the adjusted cost base of the investment.
Designed to be tax-free through most of the life of the investment, eventually, when the holder sells the shares at the end of the day, the difference between the remaining ACB and the proceeds are treated as capital gains.
Next week, we'll start to look at some ways to reduce your tax liability next spring -- something you may want to consider before the end of the year.

Roger Haineault is with Help 4 Taxes. He can be reached by e-mail at roger@help4taxes.ca or by calling 443-HELP (4357). His column appears Mondays.

Saturday, November 17, 2007

ADOPT-A-SENIOR PROGRAM DISPELS STEREOTYPES

By Paul Dorsey,This Week in Moncton, This Week in Riverview
Published Saturday November 17th, 2007

If teachers could be given gold stars as well as students, I'd send a big one to Hal Butler at Bernice MacNaughton High School in Moncton. He's teacher of a course called "Geriatrics: A Study of Maturity."
Instead of talk, talk, talk, Hal has his students engaged in a lively visitation program with residents of Camden Park Terrace. The effort has been dubbed the "Adopt-A-Senior" project.
"The biggest thing I've learned is how nice elderly people are," says participating student Christina Noble.
"There is that stereotype of being grumpy and keeping to themselves, but they just want people to talk to and I'm very willing to listen."
The best part, she says, is that the revelations appear to be a two-way street.
"A lot of people see teens displayed as juvenile delinquents, but we're really people who care and we're not all like that," she says.
"Maybe by coming here we can show them not all teenagers are terrible."
This is called, I believe, bridging the generation gap. Butler's idea is a gem and I feel these visits are creating more understanding of age and youth together than any textbook or classroom lecture ever could.
In these politically correct times, we have learned that it is not proper or conducive to a good society for people to stereotype people based on gender or race or culture.
But what is too often condoned, or shrugged off as unimportant, is stereotyping based on age.
We think, as Christina pointed out, that the old are grumpy, that the young are nonchalant and unconcerned.
We think both adolescents and the aged just want to be left alone. The truth is, we all need somebody to interact with.
We all need to be taken out of the confines of our own worlds and exposed to others, whether its in another neighbourhood, another country, or another age group.
Butler wins top marks for his goal to make his courses always interesting and different
He apparently came up with this idea after a brainstorming session with a friend about what he could do with his geriatrics class to eradicate misunderstandings that sometimes create a chasm between generations.
The students spend one period a week at the seniors' residence, a 30 to 40-minute block of time that slips away all too quickly for both sides.
Katie Doiron, another student in the course, said originally she imagined seniors would be less able to get around than the active ones she's met.
"I don't think I was expecting it to be too fun," she admitted. "I'm surprised at how active they are."
Senior George Jabalee says kids today aren't much different from when he was young, once you get to know them.
Any changes are for the better, he figures, finding the young people he meets very inquisitive and full of a desire to improve what they don't like about the world.
They also speak about what's on their minds.
"They're so frank and open. It's a really different style today," is the way another senior, Harold McGrath puts it.
I love this project for a host of reasons, with the number one being that it allows students to see older people as just older versions of themselves, still active, still interested in life, still curious about meeting new people and hearing new stories.
The second thing I like is the format of the program, because many of the visits allow for things like game-playing or puzzle-building to bring the two generations together.
Nothing helps people build bridges faster than working on common areas of interest.
And in the same way that Butler deserves a pat on the back for this one, so does Chantal Poirier, the co-ordinator at the residence, and their management for opening their doors to this innovative program.
I hope it works so well by year's end that it becomes a permanent and expanded addition to all high school curriculums.

Paul Dorsey's column discusses seniors and their lifestyles, looking at traditional and non-traditional issues that dominate our discussions about the care and comfort of the older members of our society in New Brunswick. Please send any comments or suggestions about life out of the fast lane to Paul at thisweek@brunswicknews.com.

Friday, November 16, 2007

APPLY NOW FOR SENIORS PROGRAM FUNDING

Published Friday November 16th, 2007

The Government of Canada has made $10 million in funding available to support new components of the New Horizons for Seniors Program.
A national call of applications to support projects by community organizations to combat elder abuse and fraud, and to better deliver activities for programs for seniors was recently announced. The deadline for applications is Dec. 14.
"This important funding can really help our older citizens, both through education on abuse and fraud and by providing them with events and programs to keep them active," said Allen. "Because our seniors made Canada what it is today, we are investing in them to make sure they are able to continue to make this country a better place."
For applications or more information on New Horizons for Seniors, visit the Web site at http://www.hrsdc.gc.ca/en/isp/horizons/toc.shtml.
The New Horizons for Seniors Program supports local projects across Canada that encourage seniors to contribute to their communities through social participation and active living.

SENIORS CAN'T AFFORD UPGRADES - REPORT

By STEPHEN LLEWELLYN
llewellyn.stephen@dailygleaner.com
Published Friday November 16th, 2007

More than 40 per cent of Atlantic Canada's seniors say their home needs major repairs that they can't afford to increase energy efficiency, a new study says.
"Seniors want to stay where they are," said Donald Shiner, associate professor at Mount Saint Vincent University and principal investigator of the new Atlantic Seniors Housing and Support Services Survey.
"They have been in their homes for 30, 40, 50 years. They love their homes. Yet homes can create stress and fear as we age."
The results of a survey of 1,702 seniors were unveiled at a news conference in Fredericton on Thursday. New Brunswick seniors made up 522 of those surveyed.
Five universities took part in the survey, including the University of New Brunswick.
"This research will bring about increased awareness and understanding of what the region can do to ensure accessible seniors' housing and services into the future," said Kathleen Cruttenden, adjunct professor of nursing at UNB and one of the researchers on the project.
The survey found 42.8 per cent of seniors said they needed major repairs to make their homes more energy efficient, an important factor in being able to afford to remain living at home.
And 50.1 per cent of seniors said they needed some kind of repairs done on their home.
"Problems range from major issues such as corroded pipes, damaged electrical wires and rotting steps, to smaller ones like broken light fixtures, leaking sinks and peeling paint," said the report.
The survey found 23.5 per cent need their windows replaced and 34 per cent say they couldn't afford major maintenance costs such as a new furnace or roof.
But despite those statistics, 91.9 per cent felt their home meets their needs.
Shiner said the survey also found that many seniors are struggling to afford their homes.
The report said 47 per cent spent more than the recommended 30 per cent of their household income on shelter, and one in five are spending more than 40 per cent.
Shiner said society benefits from helping seniors stay in their homes.
"Every day that you can help a senior stay at home is $200 not spent in the nursing home system or not filling an acute-care bed in a hospital," said Shiner.
The survey also found that 53 per cent of seniors have lived in their current home for more than 35 years, 76 per cent live in single-family dwellings and one in five of those homes was built before the Second World War.
Shiner said 70 per cent live in rural areas, compared to the Canadian average of 22 per cent.
The report said 31 per cent have made modifications to their homes to improve accessibility and 23 per cent are considering making such changes.
Jo Lyman, 86, of Fredericton is one of those seniors.
She said she has a bedroom and laundry facilities on the main floor, all her windows have been replaced and this year grab handles were installed on her stairs and walls to help her when she is walking.
"I can afford to have repairs done to the house," she said. "I am very fortunate.
"I don't have to make choices between eating and living."
Lyman said she is active, but it's getting more difficult to get around.
"I have been in the house I am in now for 35 years," she said. "I like to think I would be able to stay there.
"I would feel terrible," said Lyman, when asked about what it would be like to have to move out of her home.
The report doesn't have any specific recommendations for government about seniors housing.
Shiner said the next phase of the research will be to review the data further and come up with recommendations for governments.
That is expected to be done by the fall of 2008 and there will be a major seniors housing conference in Halifax in 2009, he said.

Tuesday, November 13, 2007

TAX CREDITS AVAILABLE TO SENIORS

Roger Haineault Taxing Issues
Published Tuesday November 13th, 2007

Today we conclude our series on retirement (series ... Attitudes, Federal Support, Provincial Support, TAX CREDITS). Last week we looked at some of the provincial programs that target the seniors and the lower income amongst us. Over the past couple of years there have been some announcements for seniors that have been or will be implemented as they file their tax return in the spring.
The federal Conservatives have provided a number of incentives since coming to power, specifically targeted to various groups. They have offered up credits for bus passes and participation in sports. And they have a number of items that will play well with seniors.
All Canadians receive a basic personal amount to credit against taxable income. Oddly however, if they support a spouse, the credit to claim has been less than the basic personal amount. This changes in 2007 and now matches the personal amount. Additionally, the age amount has been increased to more than $5,000. I should mention that both these measures are income tested. In the most recent federal economic update delivered October 30, Finance Minister Jim Flaherty increased the personal amount to $9,600 (as well as the spouse amount) and reduced the lowest tax rate charged federally to 15 per cent. As I indicated earlier, these announcements are retroactive to January 1.
The 2006 tax return also saw a long-awaited increase to the Pension Income Credit. Formerly only $1,000, it is now worth $2,000. This provided welcome relief for those whose pension income has been eroded by the costs of inflation over the past number of years.
Far and away, the most exciting announcement for seniors, and the one we are most asked about, is the announced pension income splitting. First, one must understand that the Old Age Security and it's derivatives like the Guaranteed Income Supplement are not subject to these new rules.
As well, the Canada Pension Plan have allowed for income splitting for a number of years. The amount that can be shared with a spouse depends on the length of time that the couple has been co-habitating. If you are not participating in this program, you may be doing yourself an injustice.
At any rate, Canada operates a progressive tax system "" the more you make, the more you pay. In other words, two people with incomes of $25,000 pay less tax than one person with $50,000. Not only is the tax rate higher at the greater income levels, but tax savings like the Pension Income Credit are available to both spouses and not just the single filer.
In 2006, the federal government announced that they would allow pension income splitting for the 2007 tax year. This one measure will generate significant savings in many households. Virtually any income that would have qualified for the Pension Income Credit may be shared between spouses. This includes registered pension plan payments, RRSP and RRIF (and LIF) payments as well as money paid out of a DPSP, provided the recipient is 65 or older. The couples must agree and elect to undertake this each year.
The mechanism is relatively straight forward. The pension income recipient will now have a line number on the tax return where they can take a deduction from income of the amount being transferred to the spouse. They must also split the amount of tax withheld. These amounts are then reported on the lower income spouse's tax return. You can elect to share up to 50 per cent of your eligible pensions.
For many couples, the new rules will mean a savings of hundreds of dollars in federal tax. As we approach the end of the year, we will take some real world examples and show the savings and other opportunities available to lower the amount of your contribution in tax dollars.

Roger Haineault is with Tax Help Inc. He can be reached by e-mail at roger@help4taxes.ca or by calling 855-HELP (4357). His column appears Tuesdays.

Monday, November 12, 2007

GREATER MONCTON INFORMAL WALKING GROUP

Who? Everyone is welcome.
When? Every Tuesday and Thursday at 8:30 a.m.
Where? We plan to choose various trails in the Greater Moncton area
Why? Walking in the fresh air is healthy and pleasant.

To walk with a few others is a bonus.

Participants walk at their own rate and at their own risk.

Usually our walks last about 45 - 60 minutes, but that's flexible.

We often go to the nearest Tim's for coffee afterwards, an added incentive!
If you live in the Greater Moncton area, consider joining us!
This has become a good page for photos taken during our walks in the Greater Moncton area

If you want to know where we are walking, just phone 386-2187 or e-mail us at wbharrig@nb.sympatico.ca

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Centennial Park, Moncton












































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Dundee Sports Dome, Moncton














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Mapleton Park, Moncton























Rotary Lodge in Mapleton Park

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The old Gunningsville Bridge.

















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Photo by Bob Smith



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Thursday, January 19







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Irishtown Nature Park



Photos by Eric Guy.
























Tankville School near the Irishtown Nature Park. Photo by Eric Guy








Centennial Park, Moncton, October 2006


(Photo by Wayne Harrigan)




















Posted by Picasa 7 November 2006


Mapleton Park (photo by Wayne Harrigan)














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December 5, 2006


Dobson Trail, Riverview










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14 December 2006 It was too icy to walk the Dobson Trail this morning, so we headed to Riverfront Park in Riverview. Very mild temperatures. Unusual to see the Moncton skyline enshrouded in fog.








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19 December: Dobson Trail- beautiful morning to walk!



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Centennial Park, 16 January 2007


(Photo by Wayne Harrigan)











Dieppe, New Brunswick












Walking trail, Dieppe. April snowfall



Moncton, April 2007



June 2007, Dobson Trail, Riverview
(Photos by Wayne Harrigan)

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October 2007
Centennial Park, Moncton



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Mapleton Park, November 2007

(Photos by Eric Guy)

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December 2007
Dobson Trail, Riverview
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Saturday, November 10, 2007

SEVEN TIPS TO HAPPY RETIREMENT

Jennifer Newman and Darryl Grigg,
Vancouver Sun
Published: Saturday, November 10, 2007

Retirement can be a dream come true or a nightmare, depending on the retiree. While some count the days until they are hitting the links, the garden or the beach, others dread the prospect of no longer working.
A recent study in the Journal of Applied Psychology, concludes that the more we value a work role and function effectively in it, the more self worth we derive. The prospect of not having the job, the role and the sense of belonging and accomplishment that comes from working can be daunting for some.
The study's author, Mo Wang of Portland University, Department of Psychology, observes that retirement is a transition from our work and career roles to stronger family and community member roles. Yet, the losses experienced due to retirement can cause people to feel anxious and depressed.
However, retirement is a transition that most will encounter and enhancing one's well-being in retirement is important. This can be easier, of course, for workers who hate their job or have other outlets for achievement and positive self identity. Workers who perform physical labour may also find retirement a relief and a happy time.
So how do you prepare for a happy retirement? Wang's study of 2,060 people between the ages of 51 and 61, conducted over an eight year period, offers seven tips:
Keep Working
Continuing to work a bit past retirement helps ease retirees into their new status. If we let ourselves get used to a change, it's less drastic, since we're maintaining some of our lifestyle patterns after retirement. Hence, staying involved with family, friends, the community and familiar activities is important. Cutting back to a day or two a week, taking on enjoyable projects, consulting or somehow keeping one's hand in work can ease the transition.
Engage in Retirement Planning
Many believe that retirement planning is only about financial security. That's just part of the picture. Wang's research underscores the need to broaden our understanding of retirement planning. A plan that includes incorporating work into one's post-employment life is important. So is thinking about activities one may enjoy or wish to try out, or what relationships one might want to nurture. What places might you like to see now that you have more time? What might you like to learn or do during this period? Developing a retirement plan that both accounts for one's financial security and takes lifestyle and interests into consideration enhances the chances of well-being in retirement.
Retire With Someone
If you are married at retirement, it is ideal to retire at the same time so each can work a little and follow their retirement plan. However, Wang notes that if one spouse continues to work full time, people can still enjoy their retirement.
Have A Happy Marriage
Retirees with marital problems tend to experience more stress upon retirement because they don't have a positive home life to return to. During one's working life, the workplace may be a place of refuge if there are problems at home and the employee may stay longer there as a result. So, once the option to work long hours is removed, retirees are no longer able to avoid their spouse. If you dread retirement because you don't get along with your spouse, consider getting marital counseling before you retire. Make changing your relationship with your spouse part of your pre-retirement plan. Well-being upon retirement can be augmented by working towards ensuring your home life is a happy one.
Be Physically and Financially Healthy
Those who look after themselves, eat right and exercise, can often look forward to a healthy retirement. It's never too late to start a wellness regimen that targets healthy weight, lifestyle choices (cessation of smoking) and exercise. Even when there are health concerns, ensuring that these are attended to regularly and diligently can make all the difference. Being healthy in retirement contributes greatly to a sense of well-being post-employment.
Look into how much income you will need upon retirement. A sound financial plank in your retirement plan will ensure a happy retirement. People adjust over time to the amount of money they have when they leave work and taking a later retirement can help augment your retirement income, if need be. Downsizing can help too. Retirees often find accommodation more suited to their needs upon retirement, which can free-up capital.
Retire from a Stressful Job
If you have a stressful job or an unsatisfying job, you may feel relief upon retirement. Leaving a negative or difficult work environment to find more pleasurable pursuits can be a motivation for early retirement. When people stay in a job due to the promise of a pension, fear they lack skills to find other more satisfying work or have put so many years into the job they can't leave, they feel trapped. This is especially true if the job is stressful or the work environment is emotionally toxic. In this situation, the employee may count down the days to when they have no colleagues or supervisors to answer to. Those who work in physically demanding jobs also may look forward to retirement. Heavy work can take its toll on workers over time and the idea of not lifting, straining or working in inclement weather may be enticing.
Retire On Time
Retire on time if you can. Those who retire early or late, sometimes feel that they have not met expectations and may find this impedes their retirement well-being at first. However, according to Wang, we adjust to our circumstances over time and retirement timing that feels "out of sync" will soon be less distressing. For example, if a later retirement augments your income, it will feel like a good decision once you begin to enjoy the fruits of your labour. Or, leaving a stressful job for early retirement may feel like a risk at first, but in the longer run, ending unsatisfactory employment can be a relief.
While these seven tips comprise the best way to ensure a pleasurable retirement, the researcher notes that, in the end no matter what the circumstances people retire from or into, they'll adapt.
So, even if your finances aren't exactly where you want them, your health could be better, you retired too early or your spouse still works, you can have a happy retirement. That's because we tend to adjust to our circumstances and find something positive in our lives when we have a chance to adjust. And retirement, if nothing else, can provide time to adjust.

Dr. Jennifer Newman and Dr. Darryl Grigg are registered psychologists and directors of Newman & Grigg Psychological and Consulting Services Ltd., a Vancouver-based corporate training and development partnership. Identifying information in cases cited has been changed to protect confidentiality. They can be contacted at: sunmail@newmangrigg.com
© The Vancouver Sun 2007

MEDICARE WORKS. KEEP IT PUBLIC. KEEP IT FAIR.

FOR HEALTH, NOT FOR PROFIT
Canadians built a public health care system so that all people would have equal access to care. Care based on need. Not on the size of our wallet. But now, our system is under attack.
Private companies, from giant insurance corporations to individual entrepreneurs, want to replace Canada’s comprehensive, universal public system with a U.S.-style two tier system for their own profit.
COMMERCIAL FORCES ON THE MOVE
The situation is urgent. Financial and corporate sector lobbyists are working hard to commercialize our public system. The Canadian Medical Association is advocating private insurance and more for-profit delivery. Provinces like BC and Quebec are pushing private insurance and for-profit surgical centres and hospitals. And in Ottawa, the Harper government is not enforcing the Canada Health Act to stop two-tier care. Know: Two-tier health care is not a “safety valve”. It siphons scarce doctors and health professionals out of the public system to
serve wealthy queue-jumpers, limiting access and increasing wait times for the rest of us. There is no evidence anywhere that a two-tier system shortens waiting lists. Know: In the US, private insurance premiums have almost doubled since 2000, rising by 87%. In the same period, wages rose only 2% after inflation. Half of personal bankruptcies are due to medical bills. Know: Public delivery of health services consistently delivers better results for less money. Private support services, for example cooking and cleaning, have higher staff turnover and are of poorer quality. Corners are cut for company profits, sometimes leading to higher hospital infection rates.
Know: Public health care spending is not out of control. It is claiming more of government
budgets because tax cuts are reducing government revenue. It’s private health care spending that is out of control, particularly the skyrocketing costs of brandname pharmaceuticals.
*Range of prices from US hospital price lists, in US dollars. Intensive care room: $8,000 to $12,000 per day Angioplasty: $6,000 to $7,000 ECG: $280 to $360 Coronary heart bypass surgery with cardiac catheterization: $40,278 to $63,558 Defibrillator implant: $27,000 to $35,000* Average annual insurance premium for family coverage: $11,480 HEART ATTACK:
WE CAN’T AFFORD PRIVATE HEALTH CARE MEDICARE WORKS! Keep it public. Keep it fair.
7 WAYS TO MAKE OUR PUBLIC SYSTEM BETTER
Anybody running for political office should study this list: Recruit and retain more health care
professionals in the public system. Doctors should be banned from working both systems – this leads to longer wait times in the public system. Fix wait time problems within the public
system. Manage wait lists better. Boost capacity by strengthening services in existing
hospitals and building more innovative public hospitals and clinics. Extend Medicare to include prescription drugs. This would deliver savings to provincial governments and deliver safe
and cost-effective drug therapies to more Canadians. Stop contracting out hospital support
services. Keeping them public is key to healthier patients and cleaner facilities.
Improve the overall structure of health care delivery. Let’s reform front-line health
care, deliver more public homecare, and create more public community health and
long-term care facilities. Keep people healthy in the first place. Reduce poverty, poor nutrition and other “social determinants” of ill-health. Enforce the Canada Health Act and stop
two-tier health care. Build on the successes of public health insurance programs and not-for-profit delivery. Two-tier care takes money away from patients and turns it into profits.
JOIN US Join your provincial health coalition to advocate innovation and improvement within
the public system. ACT • Vote public. Vote for candidates provincially and federally who support public funding and public delivery of health care. Support candidates who endorse our 7 ways to make our public system better. • Call your MP. Call your MPP or MLA. Meet
with them, especially during National Medicare Week, Nov 13-18. • Write letters to the editor. Phone local call-in shows. • Help get the word out! Photocopy and distribute this flyer to your friends, faith group, co-workers, seniors’ centre, library, barbershop…. • Join your provincial health coalition. www.medicare.ca
Alberta Friends of Medicare
780-423-4581
fominfo@telus.net
Alternatives North (NWT)
info@alternativesnorth.ca
B.C. Health Coalition
604-681-7945
info@bchealthcoalition.ca
Coalition solidarité santé (Que.)
450-441-4758
cssante@videotron.ca
New Brunswick Health Coalition
506-548-8458
pauladoucetjones@hotmail.com
Health Coalition of Newfoundland &
Labrador
maryc_hcnl@hotmail.com
mshortall@clc-ctc.ca
Nova Scotia Citizens’ Health Care
Network
902-455-9164
healthnetwork@eastlink.ca
Ontario Health Coalition
416-441-2502
ohc@sympatico.ca
P.E.I. Health Coalition
902-892-9074
bpg@isn.net
Saskatchewan Health Coalition
306-242-6540
kstorrie@sasktel.net
Courage my friends, it’s not too late to build a better world. -Tommy Douglas

Tuesday, November 06, 2007

REMEMBRANCE DAY 2007

Here's Terry Kelly's moving video about Remembrance Day
http://www.youtube.com/watch?v=KYlrrAWCTRg

N.B. OFFERS TAX HELP FOR SENIORS

Roger Haineault Taxing Issues
Published Tuesday November 6th, 2007

Today we continue with the third part in our series on retirement (series ... Attitudes, Federal Support, PROVINCIAL SUPPORT, Tax Credits). Last week we reviewed Old Age Security (OAS) and the Canada Pension Plan (CPP). In this edition we look at some of the benefits Fredericton offers.
First, it should be mentioned that programs like OAS and CPP are very expensive. These are national in scope and would be very difficult to duplicate at a provincial level. Instead, New Brunswick offers targeted subsidies that are aimed at helping those most in need. The ones we will look at today are all income based. That is, in order to qualify, the recipient must have income below a certain threshold, depending on the program.
The first program is actually not strictly just for seniors. Some New Brunswickers are in need of long term care. As a result, these individuals are either assisted in home or require a nursing facility (or some other residential service). Over the past years we have seen a number of changes in this area. I remember families being panic-strickened as they worried that assets built up over a lifetime of work could potentially be subject to conversion, in order to pay the health care costs. These concerns led to many discussions on how families could plan to avoid this, without becoming criminals. Last fall, Family and Community Services changed their Family Contribution Policy to limit it to income and not assets "" a welcome change. Now only all sources of income including the CPP, OAS, and the tax-free Guaranteed Income Supplement as well as any private pensions, investment income and rental income are factored in. Money in the bank, capital property like homes and stocks and other assets are not considered. A nominal amount of monthly income is left to the resident. One caveat is that the calculation is based on family income, so there still might be some couples who will consider legally separating, since the tax returns for both spouses are used for assessment purposes.
Two of the smaller but relevant programs that are also available for lower incomes are the Property Tax Allowance Credit and the Low-Income Seniors Benefit. The first is again not strictly for seniors. The province makes available to owners receiving the residential tax credit with combined family taxable income of $20,000 or less, a refundable credit of up to $200. It's worth mentioning that this credit can be retroactively claimed for the past three calendar years in addition to the current year. The Low-Income Seniors Benefit on the other hand, as the name implies, is for seniors who are in receipt of the GIS (or one of the Allowances). This benefit has increased to $200 in 2007. Although it is payable only once to any household, seniors living apart (as is the case with one in a nursing home or other facility) each will be entitled to the benefit in their own right.
However, arguably the most attractive senior benefit is the provincial Prescription Drug Program. Available to seniors receiving the GIS, or with annual incomes below certain thresholds "" currently singles with an annual income of $17,198 or less as an example "" can receive subsidized prescriptions where they pay only $9.05 (if they have the Supplement) or $15 a script.
As the population ages, the medicine cabinet fills and this program provides a salvation for many with limited income.
A cautionary note. People approaching retirement should give some consideration to their income levels. Registered Retirement Savings Plans (RRSP) are a wonderful device to help people save while enjoying some tax-deferred relief. But there is such a thing as having too little. Last week we indicated that the Supplement is reduced by income other than OAS. Imagine a single senior receiving $6,000 in OAS and $10,000 in CPP. They would be entitled to an annual GIS payment of about $2,600. While their income would total $18,600, they would qualify for the Drug Plan, the Property Tax Credit and the Seniors Benefit. However, if they had a small amount of money in an RRSP and instead withdrew the $2,600, they would now have to pay tax on this amount. They would still have $18,600 of income, but with a higher tax liability. Furthermore, they would no longer qualify for the GIS, and at this income level they would then lose the Drug Plan and the Seniors Benefit "" same income with dramatically different results.
Perhaps that's why we're seeing more and more people aged 64 completely surrendering their RRSPs if the amounts are inconsequential. By taking it into income, paying the taxes and then putting the leftover in the bank, they now have an asset for a rainy day, that doesn't financially impede their retirement.
Next week we'll look at the various tax credits for seniors.

Roger Haineault is with Tax Help Inc. He can be reached by e-mail at roger@help4taxes.ca or by calling 855-HELP (4357). His column appears Tuesdays.

Sunday, November 04, 2007

SIGN UP!

We are inviting everyone age 50 and over who lives in New Brunswick (or wish they did!) to join our contact list for the latest news about upcoming events and opportunities, issues, and discount information. It's free and all you have to do is e-mail Wayne and Barb at wbharrig@nb.sympatico.ca and say Sign Me Up in the message line. Please include your name and "I'm from ......" so we'll know what part of New Brunswick you hail from. We don't need phone numbers or snail mail addresses. Your information will not be passed along to anyone else and you will receive no spam as a result.
Thanks from us for showing an interest in Prime Time!
Wayne and Barb

HON. EUGENE MCGINLEY NAMED MINISTER OF STATE FOR SENIORS AND HOUSING

THE CANADIAN PRESS
Published Wednesday October 31st, 2007

FREDERICTON - New Brunswick Premier Shawn Graham has named two new members to his cabinet and shuffled three others.
Petitcodiac Liberal Wally Stiles, who crossed the floor from the Conservatives in April, becomes human resources minister while Grand Lake-Gagetown member Eugene McGinley becomes minister of state for seniors and housing
Hedard Albert switches from human resources to become minister of wellness culture and sport.
Carmel Robichaud, who was minister of family and community services and minister responsible for the status of women, becomes minister of local government and minister responsible for community non-profit organizations.
Mary Schryer moves from seniors and housing to family and community services and minister responsible for the status of women.
The new members of cabinet were sworn in today at the legislature.
For more information on New Brunswick’s new Minister of State for Seniors and Housing, go to
http://www1.gnb.ca/legis/bios1/bio-e.asp?idNo=126&version=e

Thursday, November 01, 2007

NB INTERESTING SITES FOR BOOK LOVERS

Want to add a link? Send us an e-mail at wbharrig@nb.sympatico.ca

AbeBooks
Amazon website
Attic Owl Books, Moncton: Phone: 855-4913
Augustine Funnell Books
Bathurst Book Gallery, Bathurst: Phone: (506) 548-5560
Beegie’s Bookstore, Fredericton:
Biblio.com
Bookcrossing website
BookLounge
Books Inn Inc, Miramichi: booksinn@nbnet.nb.ca
Broken Jaw Press, Fredericton
Canada Reads 2008
Chapters, Crystal Palace, Dieppe: Phone: 855-8075
Chapters, Indigo website
Coles, Champlain Place, Dieppe: Phone: 854-7397
Cover to Cover Books
DaveShoots Bookseller, Saint John
Dreamcatcher Publishing, Saint John
Good Books, Tabusintac: E-mail: doneeeq@hotmail.com
Frye Festival, Moncton
Goose Lane Editions
Harry E. Bagley Books
La Bonne Nouvelle Christian Book Shop, Moncton: Phone: 857-3066
Librairie Matulu, Edmundston: e-mail: matulu@nbnet.nb.ca
New Brunswick Public Library Service
Owl’s Nest Bookstore, Fredericton
Rags of Time Books and Crafts, Moncton: Phone: 388-9038
Random House website
RD MacLean Co., Ltd., Moncton: Phone: 858-9277
Reid’s News Stand, Moncton: 382-1824
Reid’s News Stand, Riverview: 382-1823
Tidewater Books, Sackville
University of New Brunswick Bookstore
Westminster Books Ltd
What is Stephen Harper reading?

NB BED & BREAKFASTS, TOURIST HOMES, INNS

We have always enjoyed seeking out interesting B&Bs, tourist homes and country inns when we travel. Travellers fifty and over often choose the above when they are making travel plans. There is usually an opportunity to talk to the proprietors and learn more about the area. Here’s a list for New Brunswick. To make corrections or add a name, just e-mail us at wbharrig@nb.sympatico.ca

Alma and area
An Artist’s Garden Bed & Breakfast, New Horton
Captain’s Inn Bed & Breakfast, Alma
Chickadee Nest Bed & Breakfast, Harvey
Cleveland Place, Alma
Falcon Ridge Inn, Alma
Florentine Manor, Harvey
Lakeview Inn, Alma
Parkland Village Inn, Alma
Sandpipers’ Rest Bed & Breakfast, Harvey

Bathurst and area
Auberge Les Amis de la Nature, Sainte-Louise
Gite Authentique Bed & Breakfast, Bathurst
L’Auberge de la Vallée, Bathurst

Beaver Harbour
Larkspur Bed & Breakfast (e-mail audreyhawkins@nbnet.nb.ca)

Blacks Harbour and area
Bayview Bed & Breakfast, Blacks Harbour (Phone 506-456-1982)
Fundy PJ’s Bed & Breakfast, Pennfield (e-mail fundypj@nb.sympatico.ca)
Harbour Tide Inn, Blacks Harbour

Bouctouche and area
A & G Bed & Breakfast, Bouctouche Sud
Au Beau Milieu B&B, Bouctouche
Au Bord D’la Baie, Bouctouche
Auberge Eymet Inc./Eymet Inn Inc., Cocagne
Auberge Le Vieux Presbytère de Bouctouche, Bouctouche
Auberge Vue d’la Dune/Dune View Inn, Bouctouche
Aux P’tits Oiseaux, Bouctouche (e-mail oiseau@nbnet.nb.ca)
Bellevue Sur Mer Bed & Breakfast, Bouctouche
Domaine-sur-Mer, Cocagne
Erika Suites, Bouctouche (e-mail kimfss@yahoo.ca)
Gite Chez Jeannine Bed & Breakfast
Gite d’la Baie de Cocagne, Cocagne (Phone 506-576-6301)
Gite L’Heritage Bed & Breakfast
Le Couvent, Cocagne
Le Gite de la Sagouine, Bouctouche
LeRelais Acadien, Bouctouche
Sheltering Wings, Sainte-Anne-de-Kent

Burnt Church
Prospect Hotel (E-mail lh@nb.sympatico.ca)

Cambridge-Narrows
Cambridge-Narrows Bed & Breakfast (Phone: 506-488-2000)

Campbellton and area
Aux Ti-Bo Rêves, Campbellton (E-mail rbt@nbnet.nb.ca)
Maison McKenzie House, Campbellton

Campobello Island
Harbordrifter Bed & Breakfast, Wilson’s Beach
The Lupine Lodge, Welshpool

Canoose
Loon Bay Lodge

Cape Tormentine
Hilltop Bed & Breakfast

Caraquet and area
Au Gite du Voyageur GJG, Caraquet (E-mail: gjgagnon@hotmail.com)
Gite à Rita, Caraquet (Phone 506-727-2841)
Gite Chez Tante Estelle, Caraquet (Phone 506-727-7879)
Gite et camping la Maison Touristique Dugas Inc., Caraquet
Gite la Marguerite, Caraquet (E-mail gitelamarguerite@yahoo.ca)
Gite le Goéland, Caraquet (Phone 506-727-2919)
Gite le Poirier B & B, Caraquet
Gite L’Isle-du-Radnonneur B & B
King’s Gite – Bed & Breakfast, Bertrand
Le Pignon Rouge, Caraquet (E-mail ralberta@nbnet.nb.ca)

Central Hainesville
Sherrdon Place

Chance Harbour
Mariner’s Inn

Chipman
Hawk Bed & Breakfast

Doaktown
The Holmes Bed & Breakfast (E-mail judybeck@nb.sympatico.ca)
The Ledges

Dorchester and area
The Bird’s Nest Bed & Breakfast, Middleton (Phone: 506-575-8116/1-877-575-8116)

Edmundston and area
Au Chalet Bed & Breakfast, Edmundston
Au Domaine, Saint-Basile (Phone 506-735-0405)
Au NiDaigle, Saint-Basile
Auberge - Le Fief – Inn B&B, Edmundston
Auberge Les Jardins Inn, Saint-Jacques
Domaine Du Président, Edmundston

Florenceville and area
McNutt’s Bed 7 Breakfast, Florenceville
Tannaghtyn, Connell

Fredericton and area
“The Very Best” – A Victorian Bed & Breakfast, Fredericton
Abbey Glen Riverfront B & B, Fredericton (Phone 506-458-8868)
Brennan’s Bed & Breakfast, Fredericton
Carriage House Inn, Fredericton
Charlotte’s Web Bed & Breakfast, Fredericton
Chef’s Manor Bed & Breakfast, Nasonworth
Chickadee Lodge, Prince William
Country Lane B & B Inn, Lakeville Corner
Kilburn House, Fredericton
Sunset on the River B & B, Upper Kingsclear
The Colonel’s In Bed & Breakfast, Fredericton
Ty Rhys B & B, Lakeville Corner
On the Pond – Country Retreat and Spa, Jewett Mills

Gagetown
Doctor’s Hill Bed & Breakfast & Crafts
Step-Aside Bed & Breakfast (E-mail stepamau@nbnet.nb.ca)

Grand Falls/Grand-Sault and area
Côté’s Bed & Breakfast Inn, Grand Falls/Grand-Sault
Maple Tourist Home Bed & Breakfast, Grand Falls/Grand-Sault
Mont Assomption Bed & Breakfast, Saint-André
River Trail B & B, Grand Falls/Grand-Sault

Grand Manan Island
Captain Cook’s B & B (E-mail: glcook@nbnet.nb.ca)
Grand Manan Bed & Breakfast
Manan Island Inn Ocean Side
Marathon Inn
The Compass Rose
The Shorecrest Lodge Country Inn

Hampton and area
Evelyn’s Bed & Breakfast at Ox-Bow Dairy Farm, Bloomfield(E-mail evelynsbb@hotmail.com)
Hampton Bed & Breakfast, Hampton
Klinker Jim’s B & B, Titusville
Bamara Inn & Dining Room, Hampton
The Osprey Inn Ltd., Kingston

Hartland and area
Campbell’s Bed & Breakfast, Upper Brighton (E-mail campbb@nbnet.nb.ca)
Pasture View Bed & Breakfast, Gordonsville (E-mail pastureview@earnet.ca)

Harvey (York County)
Bel-Ally Bed & Breakfast, Harvey (E-mail belally@nb.aibn.com)

Hillsborough
Rose Arbor Bed & Breakfast (Phone 506-734-2644/1-877-972-7267)
The Ship’s Lantern
Victoriana Steeves Homestead Bed & Breakfast

Hopewell Cape and area
Aiko’s Villa Bed & Breakfast, Hopewell Cape (Phone 506-734-3160)
Chimera Farms Bed & Breakfast, Shepody
Family Treasures In B & B, Hopewell Cape
Innisfree Bed & Breakfast, Hopewell Cape
Wendy Johnston Pottery (The Artisan’s Suite), Hopewell Cape

Hopewell Hill
Broadleaf “Too” Bed & Breakfast
Peck Colonial House B & B and Tea Room

Lamèque
Auberge Des Compagnons
B & B aux Peupliers (E-mail kanuth@nb.sympatico.ca)

McAdam
Kathy’s Bed n’ Breakfast & Tourist Home

Millville and area
Larsen’s Log Lodge, Hawkins Corner
LedgeRock Bed & Breakfast, Nortondale

Miramichi and area
Country Bed & Breakfast, Black River Bridge
Governor’s Mansion, Miramichi
Regent Street Bed & Breakfast , Miramichi
Sunny Side Inn, Miramichi

Moncton and area
A Downtown Bed & Breakfast, Moncton
A Treasured Moment B & B/Gite Moments Précieux, Dieppe
Aanna’s Bed & Breakfast, Moncton
Archibald Bed & Breakfast, Moncton (E-mail info@archibaldbed-breakfast.com)
Auberge Au Bois Dormant Inn, Moncton
Auberge Wild Rose Inn, Lakeville
Avalon Terrace, Moncton
Bonaccord House Bed & Breakfast, Moncton (Phone 506-388-1535)
Canadiana Inn, Moncton
Gite Les Trois Moulins B & B, Memramcook
Glory Inn Downtown Bed & Breakfast, Moncton
Irishtown Bed & Breakfast, Irishtown
Lori’s Bed & Breakfast, Riverview
Magnetic Hill Bed & Breakfast, Moncton
Saunders Country Inn & Estates, Indian Mountain

Murray Corner
Briggs Homestead
New Underland Farm

Nash Creek
Hayes House Bed & Breakfast

New Mills
Auberge Blue Heron Bed & Breakfast

Nigadoo
La Fine Grobe Sur-Mer (By the Sea)

Perth-Andover and area
Baird House Bed & Breakfast, Bairdsville (Phone 506-273-2643)
DeMerchant’s B & B, Perth-Andover (Phone 506-273-6152)
The Castle Inn Restaurant and Bar, Perth-Andover

Petit-Rocher
Auberge d’Anjou, Petit-Rocher

Plaster Rock
Baker’s Bed & Breakfast

Pointe-Verte
Gite Toutes Saisons B & B

Port Elgin and area
Little Shemogue Country Inn
Pumpkinn Inn B & B, Port Elgin

Renous
Schofield Inn/Auberge Schofield (Phone 506-627-0807)

Rexton
Jardine’s Inn Inc.

Richibucto and area
Auberge O’Leary Inn, Richibucto
margarita maris – Perle A La Mer, Petite-Aldouane

Sackville
Different Drummer, The (E-mail drummer@nb.aibn.com)
Marshlands Inn
Savoy Arms Bed & Breakfast
The Harbourmaster’s House

Saint John and area
A Tanners Home Inn, Saint John
Beach House Bed & Breakfast, Kingston
Chipman Hill Suites Limited, Saint John
Earle of Leinster “Inn Style” Bed & Breakfast, Saint John
Fundy Heights B & B, Saint John
Homeport Historic B & B, Saint John
Inn on the Cove & Spa, Saint John
Kennebecasis River Inn, Quispamsis
Lancaster Bed & Breakfast, Saint John (E-mail lancasterbed.breakfast@nb.aibn.com)
Mahogany Manor, Saint John
Moore’s Specialties, Garner Creek
Ocean Sunset Bed & Breakfast, Maces Bay (E-mail oceansun@nbnet.nb.ca)
Shadow Lawn Inn, Rothesay

Saint-Quentin
Auberge Evasion de Rêves (Phone 506-235-3551/1-866-443-7383)

Shediac and area
At/Chez Morgan Place, Shediac
Au P’tit Sommeil, Shediac
Au Grand Barachois Country Inn, Grand-Barachois (Phone 506-532-1140/1-800-355-2122))
Auberge Belcourt Inn, Shediac
Auberge Gabrièle Inn, Shediac
Auberge, Maison Vienneau, Shediac
Aux douces heures de Shediac, Shediac
Gite Beau Soleil B & B, Shediac (E-mail gitebeausoleil@rogers.com)
Le Coin à Gretzky B & B Inn, Shediac (E-mail cgretzkybnb@yahoo.ca)
Leger Bed & Breakfast, Shediac (Phone 506-532-2146)
Maison Alexandria House, Shediac
Maison Tait House, Shediac
Seaside Haven Manor & Suites, Shediac

Shippagan and area
Auberge Janine du Havre, Savoy Landing (E-mail janine@nbnet.nb.ca)
Le Gite De L’Ardora, Inkerman

St. Andrews and area
Chamcook Forest Lodge, Chamcook
Coachman’s Inn, St. Andrews
Europa Inn & Restaurant, St. Andrews
Garden Gate Bed & Breakfast, St. Andrews
Harris Hatch Inn, St. Andrews
Inn on Frederick, St. Andrews
It’s The Cat’s Meow B & B, St. Andrews
Kennedy Inn, St. Andrews
Kingsbrae Arms Relais & Chateaux, St. Andrews
Monika’s B & B, St. Andrews
Pansy Patch, St. Andrews
Rossmount Inn, Chamcook
Tara Manor Inn, St. Andrews
The Fairways Manor House, St. Andrews
The Montague Rose B & B, St. Andrews
The Mulberry Bed & Breakfast, St. Andrews
Treadwell Inn, St. Andrews

St. George and area
Beach House Bed & Breakfast, Back Bay
Deerway, Letete (E-mail deerway@nb.sympatico.ca)
Hibbard House Inn, St. George (E-mail hibbardhouseinn@nb.aibn.com)
Letete Schooner House, Letete
Thorne House B & B, St. George (Phone 506-755-2441)

St. Martins and area
Minihorse Farm Bed & Breakfast, St. Martins
Nostalgia Nook Bed & Breakfast, St. Martins
Quaco Inn, St. Martins
Sea Side Bed & Breakfast, St. Martins
St. Martins Country Inn, St. Martins
The Captain’s House B & B, St. Martins (Phone 506-833-4355)
The Waterfront Bed & Breakfast, St. Martins

St. Stephen and area
Blair House Heritage Breakfast Inn, St. Stephen
Tidewater Inn, Dufferin

Sussex and area
Jonah Place Bed & Breakfast Inn, Sussex
Maple Shade, Sussex

Tracadie-Sheila
Le Château d’Acadie

Whites Brook
Mom’s Bed & Breakfast (Phone 506-284-2586)

Woodstock and area
Bennett House Bed & Breakfast, Woodstock
Brigitte’s Bed & Breakfast, Woodstock (E-mail brwilson@xplornet.com)
Chalet Swiss Bed & Breakfast, Northampton
Mrs. Leonard’s Guest Home, Woodstock (E-mail gleonard@nbnet.nb.ca)
Riverside Bed & Breakfast, Woodstock (Phone 506-328-3094)
The Prism Bed & Breakfast, Woodstock (E-mail prismbb@nbnet.nb.ca)

NB WELL-KNOWN NEW BRUNSWICKERS WHO ARE 50 OR OVER!

Bruno Bobak, artist (born 1923, Poland) and Molly Lamb Bobak, artist (born 1922, Vancouver)
Edith Butler, singer (born 1942, Paquetville)
Herménégilde Chiasson, lieutenant-governor of New Brunswick (born 1946, St.-Simon)
Reuben Cohen, financier (born 1921, Moncton)
Stompin’ Tom Connors, singer (born 1936, Saint John)
Gordon Fairweather, statesman (born 1923, Rothesay)
Gilbert Finn, former lieutenant-governor (born 1920, Inkerman)
Norm Foster, playwright (born 1949, Newmarket, Ontario)
Ray Frenette, former premier (born 1935, Beresford)
Patsy Gallant, singer (born 1948, Campbellton)
David Ganong, president of Ganong’s (born 1943, St. Stephen)
Danny Grant, NHL player (born 1945, Fredericton)
Ivan Hicks, fiddler (born 1940, Upper Sackville) and Vivian Hicks, accompanist (born 1945, Gagetown)
Russ Howard, curler (born 1956, Midland, Ontario)
Margaret LaBillois, First Nations leader (born 1939, Eel River Bar)
Ned Landry, fiddler (born 1921, Saint John)
Romeo LeBlanc, former Governor-General (born 1927, Memramcook)
Viola Léger, former Senator, “La Sagouine” (born 1930, Fitchburg, Massachusetts)
Antonine Maillet, novelist (born 1929, Bouctouche)
Mary Majka, environmentalist (born 1925, Poland)
Margaret Norrie McCain, first woman Lieutenant-Governor of New Brunswick (born 1934, Amos, Quebec)
Wallace McCain, businessman (born 1930, Florenceville)
Frank McKenna, former premier, ambassador (born 1948, Apohaqui)
Catherine McKinnon, singer (born 1944, Saint John)
Matt Minglewood, musician (born 1947, Moncton)
Willie O’Ree, NHL hockey player (born 1935, Fredericton)
Freeman Patterson, photographer (born 1937, Long Reach)
Beth Powning, author (born 1950, Connecticut)
Peter Powning, potter (born 1949, Rhode Island)
Bernard Richard, ombudsman (born 1951, Toronto)
David Adams Richards, novelist (born 1950, Newcastle)
Brenda Robertson, first woman MLA, cabinet minister in NB (born 1929, Sussex)
Claude Roussel, sculptor (born 1930, Edmundston)
Donald Sutherland, actor (born 1935, Saint John)
Ken Tobias, singer (born 1945, Saint John)
Marilyn Trenholme Counsell, Senator, former l-g of New Brunswick (born 1933, Baie Verte)
Ron Turcotte, jockey (born 1941, Drummond)
Elsie Wayne, former MP, mayor (born 1932, Shediac)

Want to add someone? Just send along name and claim to fame to wbharrig@nb.sympatico.ca
Want a name removed? Let us know.

NB NEWSPAPERS/JOURNAUX

Bugle-Observer, Woodstock
Canadaeast.com On-line source for news in English
Daily Gleaner, Fredericton
herenb, Fredericton, Moncton, Saint John
Grand Lake Mirror, Chipman E-mail: grandlake@nb.aibn.com
Jminforme.ca On-line source for news in French
Kings County Record, Sussex
KV Style, Rothesay Phone: 1.506.847.5900
L'Acadie nouvelle
La Cataracte, Grand Falls/Grand-Sault Phone: 506.473.3083
L’Etoile, Richibouctou Phone: 506.523.6520
L’Hebdo Chaleur, Bathurst Phone: 506.546.4491
Le Journal Madawaska, Madawaska Phone: 506.735.5575
La République, Edmundston Phone: 506.735.5575
La Voix du Restigouche, Campbellton Phone: 506.753.4413
Miramichi Leader, Miramichi
New Brunswick Business Journal, Campbellton Phone: 506.753.4413
Northern Light, Bathurst Phone: 506-546-4491
Post Gazette, Oromocto
River Valley News, Grand Bay
St. Croix Courier, St. Stephen
Telegraph-Journal, Saint John
This Week, Moncton, Riverview Phone: 506.383.2506
Times&Transcript, Moncton
Tribune, Campbellton
Tribune Post, Sackville
Victoria Star, Grand Falls Phone: 506.473.3083

NB THEATRE, MOVIES, MUSIC, ENTERTAINMENT

Capitol Theatre, Moncton
Empire Theatres Note: For everyone 65 and over, admission is $6.50 for all movies.
Far Out East Cinema, Moncton (Phone: 506-859-2475) Annual membership is $8 for seniors. Admission is $4 with card, $6 without.
Imperial Theatre, Saint John
Live Bait, Sackville
Playhouse, Fredericton
Symphony New Brunswick
Theatre l’Escaouette, Moncton
Theatre New Brunswick

NB TOUR COMPANIES

New Brunswick Tour Companies
For many 50plus’ers, group travel is an interesting and enjoyable way of seeing the world. Single travellers have the security of being with others and everyone benefits from the group rates for accommodations, meals and entertainment. New Brunswick is fortunate to have a wide variety of tour companies. For more information, contact the companies below. (If you have a name to add, please let us know.)

Advantage Tours (Phone 506-472-8687)
Aquila Tours
Burgess Tours
Collins Tours
Fairway Tours
Freedom Tours
J & T Tours (Phone 506-843-2805)
K & J Tours
Laurie’s Tours (Phone 506-365-1814)
Len Roy Tours
Nancy’s Tours (Phone: 506-433-0907)
O’Brien’s Tours
Pat’s Tour Bus (Phone 506-753-5702)
Phyllis and Terry Tours
The Great Canadian Comedy Tour Company
TravelMyles (E-mail oscar2@nbnet.nb.ca)
Tours Gaspard

Here are some travel-related links you might enjoy.
Air Canada
Atlantic Tours
Elderhostel
Expedia
MapQuest
My Comedy Cruise
Routes to Learning

SeatGuru (information about airlines, seating, amenities)
Senior Tours
Teachers’ Travel
Touristclick
Travel Zoo
Travelocity
WestJet

NB "MUST SEE" ATTRACTIONS

Welcome/Bienvenue!
We encourage everyone to visit New Brunswick first. There is so much to see in ourprovince. Check out the sites below. If you have a "must see" place you would like us to add, just e-mail us at wbharrig@nb.sympatico.ca
Thank you/merci!
Wayne and Barb

Beaverbrook Art Gallery, Fredericton
Cape Enrage, Waterside
Cape Jourimain Nature Centre, near Bayfield
City of Bathurst
City of Campbellton
City of Dieppe
City of Edmundston

City of Fredericton
City of Miramichi

City of Moncton
City of Saint John
Crystal Palace, Moncton
Ecological Park of the Acadian Peninsula, Lamèque
Fundy National Park, Alma
Grand Falls Gorge, Grand Falls/Grand-Sault
Hartland Covered Bridge National Historic Site, Hartland
Historic Garrison District, Fredericton
Irving Eco-Centre, La Dune de Bouctouche, Bouctouche
Irving Nature Park, Saint John
Kingsbrae Garden, St. Andrews
Kings Landing Historical Settlement, Prince William
Kouchibouguac National Park of Canada, Kouchibouguac
Le Pays de la Sagouine, Bouctouche
Mactaquac Provincial Park, Mactaquac
Magic Mountain Water Park, Moncton
Magnetic Hill, Moncton
Magnetic Hill Zoo, Moncton
New Brunswick Aquarium and Marine Centre, Shippagan
New Brunswick Museum, Saint John
Parlee Beach Provincial Park, Shediac
Plage de l’Aboiteau, Cap-Pelé
Reversing Falls, Saint John
Roosevelt Campobello International Park, Campobello Island
Saint John City Market, Saint John
The Fundy Trail, St. Martins
The Hopewell Rocks, Hopewell Cape
The New Brunswick Botanical Garden, Saint-Jacques
The Olivier Soapery, Sainte-Anne-de-Kent
Village Historique Acadien, near Caraquet

NB SENIORS' ORGANIZATIONS

Association acadienne et francophone des aînées et aînés du Nouveau-Brunswick (Courriel : aafnb@nb.aibn.com
CARP
Choices after 50 (E-mail: emc@nb.aibn.com)
Coalition for Nursing Home Residents’ Rights (E-mail cassista@nb.sympatico.ca)
Go Ahead Seniors (http://www.ainesnbseniors.com/en/index.html)/Aîné.e.s en marche (http://www.ainesnbseniors.com/fr/index.html)
New Brunswick Senior Citizens’ Federation/Fédération des citoyen(ne)s ainé(e)s du Nouveau-Brunswick
New Brunswick Society of Retired Teachers NBSRT
Prime Time (50Plus New Brunswick)
Seniors' Information Centre/Centre d'Information pour Personnes Agées (Telephone: (506)855-1121; e-mail: seniors.centre@hotmail.com
Société des enseignantes et enseignants retraités francophones (SERF-NB) (Téléphone : (506) 389-8127)
Stepping Stone Senior Centre, Fredericton
Third Age Centre

More Links
ALS Society of New Brunswick/Societé de la SLA du Nouveau-Brunswick (Ph. 506-855-1239)
Alzheimer Society of New Brunswick (info@alzheimernb.ca)
Arthritis Society
Canadian Cancer Society
Canadian Council of the Blind
Canadian Diabetes Association
Canadian Hard of Hearing Association
Canadian MedicAlert
Canadian Mental Health Association
Canadian National Institute for the Blind
Canadian Paraplegic Association (NB)
Canadian Red Cross Society
Crohn’s and Colitis Foundation Canada (Ph. Ph: 1-800-265-1001)
Heart and Stroke Foundation of New Brunswick
Kidney Foundation of Canada
Meals on Wheels
Multiple Sclerosis Society of Canada
National Seniors Council
New Brunswick Lung Association
New Brunswick Safety Council Inc
Parkinson Society Canada
Public Legal Education and Information Service
Royal Canadian Legion
United Ostomy Association
VON Canada in New Brunswick

Wednesday, October 31, 2007

A LESSON IN NURSING HOMES

Published 31 October 2007, The Daily Gleaner, Fredericton

The Coalition for Nursing Home Residents' Rights continues to advocate for change to improve the lives of families and residents living in nursing and special care homes and using home care.
The process of deciding to place a loved one in one of these facilities is sometimes a painful one.
There are 61 nursing homes in the province with 4,100 beds and 415 special-care homes with 5,000 beds, all licenced and government controlled.
Daily fees for nursing home are $70 for Level 3 to 4 care. Special care home costs $74 a day for Level 1 to 2 care. This daily cost covers room and board services that amount to $2,129 a month for nursing home service and about $2,220 a month for special care home.
All nursing home residents are entitled to medications approved under the New Brunswick prescription drug program at no cost. Subsidized residents are entitled to eye glasses, hearing aid and other specific health supplies and are eligible to access the HST rebate.
Residents in receipt of provincial assistance receive a personal comfort allowance of $108 a month, $135 in special-care homes. Home-care hours have increased to 215 hours a month. Nursing homes hours have increased to three a day.
These documents concerning income must be provided when applying for financial assistance, Canada Pension Plan, Old Age Security, income earned on investments and rental income from all properties, Guaranteed Income Supplement and other pension plans.
Veterans' disability pensions including additional sums paid to the disabled pensioner on behalf of the spouse/common-law partner are not included in the calculation unless it's the veteran in the nursing home or special-care home.
As we continue to advocate for change, we look forward to the release of the renewed strategy for long-term care for seniors in this province.
Cecile Cassista
Executive director
Coalition for Nursing Home Residents' Rights
Riverview, N.B.

Tuesday, October 30, 2007

FEDS CAN HELP YOU RETIRE

Roger Haineault
Taxing Issues
Published Tuesday October 30th, 2007

As retirement approaches for the Baby Boomer demographic, more and more future retirees are investigating just what financial resources are available. While no one can predict the future, there are currently a myriad of programs available -- both federally and provincially -- that help those who retire with little or no other income.
This week we're going to look at the assistance provided by the federal government (series ... Attitudes, FEDERAL SUPPORT, Provincial Support, Tax Credits).
The Old Age Security Act came into force in 1952 replacing predecessor legislation dating back to 1927. While most people know it as Old Age Security (OAS), there are also two other components that provide funding -- the Guaranteed Income Supplement (GIS) and the Allowance.
The OAS is paid monthly and qualification is based purely on residency. The payment is subject to an income test. As long as the applicant is 65, a resident and has been resident for at least ten years since the age of 18, they qualify for a pension. A full pension is payable provided there has been at least 40 years of residence. The maximum OAS is currently $502.31.
This amount is indexed each quarter. At approximately $64,000 of net income, the OAS is subject to clawback, eventually being fully eliminated when net income reaches about $103,000.
The GIS is an additional benefit designed to assist those with limited income. The maximum current monthly payment is $634.02, payable to someone who has no other income (except the OAS). While the OAS is taxable, the Supplement is not. To calculate the amount of payment, a taxpayer adds up all their income, less any non-taxable amounts -- war veterans' allowances and pensions, social assistance, etc. and the OAS -- and then uses this baseline amount for calculation purposes. The general rule of thumb is that for every two dollars of income, a taxpayer loses about a dollar of GIS.
Technically, the Supplement is completely eliminated for a single person when the calculated income is slightly more than $15,000. Higher limits apply for couples.
The Allowance generally is a payment available to spouses of OAS recipients who are over 60 and not yet in receipt of the Supplement in their own right. Again, this benefit is income tested and the most that someone can receive is equal to the married maximum OAS and GIS combined -- currently $921 a month. I should add that if the spouse has died, the maximum increases by about $100 a month.
The other major government based retirement benefit is offered by the Canada Pension Plan (CPP). This program is not universal. Instead, it is based on the amount of income someone has earned over their working lifetime. Employees and employers pay premiums each year based on earnings (which have a maximum threshold). The program was designed to replace about 25 per cent of working income. The pension is taxable. There are a number of benefits within this plan. The most common is the retirement pension.
However, they also offer a death benefit when a member passes, which has a current maximum of $2,500 and is paid as a lump sum. There is also a survivors benefit that depending on age is approximately $500 a month. Finally, there is a disability benefit that has a current maximum of over $1,050 a month. As an aside, dependant children are also entitled in their own right to receive over $200 a month if a plan member parent dies or become disabled.
The CPP retirement benefit is normally paid at age 65 and the maximum monthly payment is currently $863.75. Using a calculator, this translates to an annual income of $10,365. If a single person had no other income (except the OAS), they would then be entitled to $203 of GIS, instead of the maximum of $634 -- a difference of $5,172 annually (and confirming the $1 Supplement loss for every $2 of income).
In order to meet flexible lifestyles, a number of years ago the CPP began to allow earlier access. A plan member can now begin to draw his CPP pension as young as 60 or as old as 70. Actuarially, the discount or premium is equal to one-half of one per cent per month. In other words, at 60 the pension paid is 30 per cent less than the rate at 65, and at 70 it is 30 per cent more than the rate at 65. The latest move to provide even more flexibility was introduced a few years ago. Now pension recipients can split their CPP with their spouses, using a formula that considers the period of co-habitation. This allows for the potential of reduced combined personal income taxes.
Next week, we'll look at the various provincial government programs that are available for seniors.

Roger Haineault is with Tax Help Inc. He can be reached by e-mail at roger@help4taxes.ca or by calling 855-HELP (4357). His column appears Tuesdays.

Saturday, October 27, 2007

Silver Threads: LOCAL CARP REPS RETIRE

27 October 2007
Silver Threads, Riverview This Week, Moncton This Week
Local CARP Reps Retire
By Wayne Harrigan
With close to 400,000 members, CARP is Canada's largest organization for the 50-plus. Members have three benefits: a strong voice at the federal level on all aspects of government which affect the fifty-plus age group, a subscription to CARP magazine, the award-winning authoritative magazine for savvy Canadians, and a discount directory of CARP-recommended companies. You can save on health care costs. You can save on home and auto insurance. You can save on hotel and travel costs (there's even a special travel agency just for CARP members). You can save on energy costs, cell phones, moving costs, car rentals, and more. A CARP membership repays its cost - in savings - many times over. In addition, you also get helpful information on health, money, travel and more, plus effective advocacy at all levels of government. Over the five years since we assumed the volunteer role of the first New Brunswick reps of CARP, we have had many opportunities to meet with and speak to seniors in our province. We have such respect for New Brunswick seniors and for those who work on their behalf. In all our presentations, we stress how fortunate the province is to have so many people in this age group- we are all richer for it. We have made every effort to keep in touch with the ten thousand CARP members who live in New Brunswick and provide a liaison between them and the national office in Toronto. Among the places we have attended meetings and spoken to seniors are Fredericton, Saint John, Moncton, Hampton, Sussex, Petitcodiac, Riverview, Sackville, Murray Corner, Havelock, Woodstock, Edmundston, Bathurst, Belleisle Creek, Kingston, St. Andrews, Cambridge-Narrows and Rexton, and we have attended meetings on behalf of CARP in Nova Scotia, Prince Edward Island and Ontario. We will continue to promote and protect the rights of all seniors in New Brunswick.
We are pleased to announce that the new representative for CARP in the province will be Louise Gilbert of Moncton. Louise has a long record of successful business work and an extensive list of volunteer activities. Presently she is Vice-Chair of the Mayors’ Seniors Advisory Committee for Moncton. In addition she has volunteered with the YWCA, Greater Moncton Chamber of Commerce, Red Cross, the Junior Achievement Program and the Alzheimer’s Society. Fluently bilingual, Louise is able to provide assistance to New Brunswick’s fifty-plus crowd. CARP members are encouraged to contact Louise if they have any concerns about their membership or issues which affect them.
New Brunswick is a wonderful province for seniors to enjoy. However, there are issues which we must keep in mind. We have a Minister of State for Seniors, but we also must work to have a united voice to keep the Minister informed of issues which must be handled. There are many groups who help seniors, all valued for the work they do, but we need one strong voice which will make our demands credible. It is time to take a close look at health care, the seniors’ prescription drug program, housing, educational and wellness activities, and that is just a start.
We have enjoyed writing the twenty-seven columns, Silver Threads, which have appeared in Riverview This Week and Moncton This Week since the beginning of May. This will be our last. The response has been appreciated. Keep reading the daily paper for news which affects the seniors of New Brunswick.

Tuesday, October 23, 2007

SOME RETIREMENT CONCERNS

The future comes to us all, eventually
Roger Haineault
Taxing Issues
Published Tuesday October 23rd, 2007

You may have caught CBC Radio One's 'Maritime Noon' last week. The call-in question posed was "What concerns you most about retirement?" As one of the guests on that particular show, a number of items came up that I wanted to share, and so for the next month this space is going to look at where you are going to spend the rest of your life, someday. Today we're going to consider attitudes and retirement.
The genesis for this can be found in a number of studies released lately. Recently Scotiabank commissioned a survey by TNS Canadian Facts that interviewed couples planning for retirement where one of the spouses had at least reached the age of 50.
Individually, more than half of all men and women surveyed indicated that finances are the one thing that worries them most, whether it was having enough money, or outliving their resources. When combined with lifestyle concerns, 44 per cent of the men and only 34 per cent of the women had given any thought to both of those dimensions. Slightly more women than men have only considered the financial aspects.
In retirement more men than women expect to work part-time, while significantly more women than men expect to volunteer or become involved in charitable concerns. Almost one-in-four men are mainly interested in just spending time with their spouse, while 30 per cent of women want to have an active social life with a large circle of friends.
When the study looked at the interaction amongst couples, less than one quarter of respondents claim to have had a thorough discussion with their spouse about all aspects of retirement. More than half indicated that they have an understanding of how their spouse feels about retirement. But surprisingly, or maybe not so, 23 per cent haven't discussed it at all, or haven't discussed it as much as they should. In fact, almost 60 per cent disagree on the basic question of whether or not they are even looking forward to retirement.
Part of that is probably as a result of the culturally acceptable changes that the baby boomers now face. Statistics Canada recently released findings from the 2006 census indicated that 44 per cent of Canadians aged 20-29 lived with their parents in 2006; up almost 40 per cent in total numbers since 1986. In the meantime, the divorce rate has more than doubled over the same period, making further financial demands as the nature of the family unit has changed. At the same time, seniors are living longer, and while some live in good health, others present challenges that go beyond financial considerations and overlap into the social and emotional well, that force some boomers to put off considering even the thoughts of retiring. Today, it's not unusual to envision a retirement time horizon that lasts a quarter-century or longer.
If there is good news in the recent studies, some of it can be found in a recent survey for the Royal Bank. While it seems that a majority of pre-retirees surveyed are concerned about having enough money, only about one-third of those retired actually see it as a concern. Instead, the majority of retirees surveyed were worried about their health. This leads to three conclusions -- we should start working out later today, any money we can put away tomorrow will be appreciated later and it appears that we need to have something to worry about.
Next week we'll look at the various sources of federal government income and assistance that is available as we move into retirement.

Roger Haineault is with Tax Help Inc. He can be reached by email at roger@help4taxes.ca or by calling 855-HELP (4357). His column appears Tuesdays.

Monday, October 22, 2007

NEW BRUNSWICK SENIORS NEED A UNITED VOICE

Monday, October 22, 2007

Letter: New Brunswick Seniors Need a United Voice (français au-dessus)
This letter appeared in the Moncton Times-Transcript, Fredericton Daily Gleaner, Telegraph-Journal, St. Croix Courier, Kings County Record, Grand Bay Mirror, Miramichi Leader, herenb.

To The Editor:
The seniors of New Brunswick do not have a united voice -- and nothing pleases the government more!Who are our seniors?There are actually two distinct groups: those aged 50-65, many of whom don't want the word "senior" associated with them; and those 65-and-over, who don't mind.Both these groups are growing in significant numbers and that's a good thing!But as 50-plus New Brunswickers, we do need a united voice and this voice must include everyone 50 and over, English or French.This voice must include First Nations seniors and those who are newly arrived Canadians.It must include those in long-term care, whether at home, in hospitals, in special care or in nursing homes.It must include seniors who are healthy, active and enthusiastic, but it is essential that it also include those who are poor, those who often feel they have no voice.No seniors should have to make the choice between buying medication or food.No seniors should wait unreasonable times for hip replacements, cataract surgery or tests for cancer.No seniors should lie awake nights worried about coping with rent increases on a fixed income.No seniors should be hounded by anyone asking for money, especially if it's a relative.No seniors should lose their homes because they can't handle the property tax increases.No seniors should occupy hospital beds because long-term-care beds are not available.We can do better in New Brunswick!The united voice must include the many people over 50 -- some much over -- who are still part of the work force, either by choice or circumstance.Look around you, you know who we are!Great ideas for promoting and protecting the rights of all New Brunswickers over 50 come in both official languages and we are fortunate to have many seniors, both English- and French-speaking, who work tirelessly to improve the situation.But let's all play for the same team . . . and that's the team that says to every level of government:"We're here, and you're lucky to have us! How can we work with you to deal with the many issues which affect New Brunswick citizens age 50 and over?"

Wayne Harrigan,Riverview

Les personnes âgées du Nouveau-Brunswick ne sont pas représentées par une seule voix. Rien ne fait autant plaisir au gouvernement. Il y a présentement deux groupes distincts, soit les personnes âgées de 50 à 65 ans, dont plusieurs n'aiment pas se faire dire qu'ils sont "des personnes âgées" et les autres de 65 ans et plus (+). Ces deux groupes jouissent d'un poids démographique de plus en plus important et c'est une bonne chose.Toutefois, en tant que personne âgée de 50 ans et plus, nous avons besoin de nous unir. Notre représentation forte doit comprendre tous ceux et celles qui ont 50 ans et plus, francophones ou anglophones. Cette voix doit aussi comprendre les Premières Nations et les immigrants canadiens fraîchement installés au pays. Cette voix doit aussi comprendre les gens qui requièrent des soins de longues durée, qu'ils soient à la maison, à l'hôpital, à un institut spécialisé de soins de santé ou dans un foyer de soins. Cette voix doit comprendre les personnes âgées qui sont en santé, actifs et enthousiastes. Cette voix doit aussi s'assurer de faire une place à ceux et celles qui vivent dans la pauvreté; ces personnes qui sentent souvent qu'elles sont sans voix. Aucune personne âgée ne devrait être placée dans l'obligation d'avoir à choisir entre acheter des médicaments ou acheter de la nourriture. Aucune personne âgée ne devrait avoir à attendre trop longtemps pour un remplacement de hanche, une opération de la cataracte ou des tests pour le cancer. Aucune personne âgée ne devrait à avoir à passer des nuits blanches à s'inquiéter du loyer qui augmente pendant que le revenu de pension reste le même, année après année. Aucune personne âgée ne devrait faire l'objet de harcèlement pour obtenir de l'argent, surtout des membres de sa famille. Aucune personne âgée ne devrait perdre sa maison parcequ'elle ne peut payer ses taxes foncières. Aucune personne âgée ne devrait se retrouver dans un lit d'hôpital parce que les services de soins de longue durée ne sont pas disponibles.Nous pouvons faire mieux au Nouveau-Brunswick. Cette voix unie doit comprendre toutes les personnes âgées de 50 ans ou plus qui sont sur le marché du travail, par choix ou selon les circonstances. Regardez autour de vous. Vous savez qui nous sommes. D'excellents idées visant à promouvoir et protéger les droits de tous les Noé-Brunswickois de 50 ans ou plus proviennent des groupes des deux langues officielles. Nous sommes également chanceux de pouvoir compter sur des personnes âgées, francophones et anglophones, qui travaillent sans relâche à améliorer notre situation. Il est temps de faire partie de la même équipe, l'équipe qui dit à tous les paliers de gouvernement: "Nous sommes ici. Vous êtes chanceux de pouvoir compter sur nous et nous voulons savoir comment nous pouvons travailler avec vous pour améliorer la situation des citoyens de 50 ans et plus du Nouveau-Brunswick!".

Wayne HarriganRiverview, NB

Saturday, September 29, 2007

Silver Threads: SENIORS BEWARE!

29 September 2007
Silver Threads column: Riverview This Week, Moncton This Week
Seniors Beware!
By Wayne Harrigan

It is great when seniors have the option of remaining in their own homes. By far, this is the choice of the majority of people. However, there comes a time when owning a home becomes a real challenge for our older citizens. There are leaves to be raked, home renovations to do, snow to be removed, eaves to be cleaned and the list goes on. For younger homeowners, often these jobs can be handled without looking for help. For seniors, this may not be the case. Regrettably, seniors are sometimes targeted by con artists. Why? Many live alone, have disposable money, and are generally more trusting than younger people.
If you are a senior in your own home, here are a few points to ponder. If you require home renovations (a new roof, siding, chimney, for example), check out offers before giving a deposit or signing a contract. Shop around. Get at least three estimates. Review the contract. Look for an itemized list of work and materials, start and finish dates, and deposit requests. Ask for local references and check them out. Say NO right away to high-pressure appeals. Be careful of anyone who claims to be in the neighbourhood offering deals for seniors “today only”. If it’s good today, it should be just as good in a few days time. You may find reliable workers through family or neighbours who have had renovations done. Ask lots of questions and proceed with a project only when you feel comfortable with it.
If someone offers you snow removal services for this winter, find out whether they charge by the season or by the storm. Do you have to pay in advance or in regular payments? Is there a phone number you can check? Does payment have to be by cash or cheque? There are examples of seniors locally who are so pleased to find someone to clear their driveway, they write a cheque sometimes for the season, and never see the person again. Seniors have to be cautious. Remember most people are reliable and trustworthy- you just have to be wary of the exception.
Many homes are broken into because doors and windows are left unlocked. Remember to lock your doors and windows, even if you are just working in your garden or have just stepped out for a few minutes. Store valuables in a safe place and keep a list of what they are (or photos of your treasures can be a real help is something goes missing). Make sure your trusted neighbours know if you are going to be away for a bit.
If you are worried about any of this, be sure to discuss it with a family member or friend. If you feel you have been the victim of a fraud or scam, don’t hesitate to call the authorities. You will be helping another senior avoid the same situation.
Wayne and Barb Harrigan are the former CARP reps in New Brunswick. They now maintain the Prime Time website to provide all New Brunswickers age 50 and over with the latest news and information.

Saturday, September 22, 2007

Silver Threads: THE RETIREMENT YEARS - CAN YOU AFFORD IT?

22 September 2007
Silver Threads column, Riverview This Week, Moncton This Week
The Retirement Years- Can You Afford It?
By Wayne Harrigan

The fastest growing population group in Canada are those age 65 and over. Between now and 2026, the number of seniors is expected to double to almost 8 million, that is, one in every five Canadians. And these seniors are better educated, more active, and certainly more aware that at any time in the history of this country. This also means that for many New Brunswickers, more than one-quarter of their lives will be spent as retirees. We have all heard the clichés- freedom fifty-five, the golden years, the great reward. But for many, the years of retirement are golden only if there are no problems with health or money, and it doesn’t take long to realize that one usually leads to the other. What should be considered? How will we cope with retirement? Fewer than half of all Canadians are covered by employer pension plans. How much income will you need? A general rule regarding income is that the average retiree will need between 2/3 and ¾ or around 70% of their pre-retirement income once they are no longer working. But general rules are just that. There are lots of things to consider and every senior is unique. One senior’s advice: “Determine approximately what your retirement income should be, and try to live on that amount a year or two before it happens. It helps to have no debt going into retirement. Own your house/condo. You may have to downsize to do this.”
People often wonder about government pensions and how much will be available. Who gets Canada Pension? When can you apply? How? How much will it be? As of January 1, 2007, the maximum monthly Canada Pension (CPP) rate (at age 65) will be $863.75. If you are approaching retirement and would like to check your CPP statement of contributions and an estimate of what you will receive, you can do it on-line at http://www.sdc.gc.ca/en/isp/common/proceed/socinfo.shtml
While you are working, you should receive regular statements with the same information.
It may also help to know that retirees are eligible to receive CPP before age 65 (actuarially reduced) or beyond 65 (actuarially increased). Spouses are also able to split their Canada Pensions 50/50 if that is a help for taxation purposes. Canada Pension is taxable.
Canadians at age 65 and over are eligible to receive Old Age Security (OAS). As of July 2007, the maximum Old Age pension will be $497.83. Low-income pensioners are also eligible for Guarantee Income Supplement (GIS) and Allowance payments. To find out if you qualify, check with Social Development Canada (contact information below).
To find out more or to apply for Canada Pension or Old Age Security, in our area, you may go to the Social Development Canada office at Heritage Court ,Suite 310, Moncton, There are helpful counselors there who will provide information for you. You can also reach their office by phone at (506) 851-6718 or fax (506) 851-6941. Office hours are Monday to Friday, 8:30 am to 4:30 pm.
Younger workers often ask if there will there be any CPP or OAS when they are ready to retire. The CPP is sound and protected for the next 75 years. OAS is the most secure public pension because it is derived from the large tax base of the country. Seniors do continue to pay taxes till their last breath. It has been determined that 90% of OAS payments are covered by income taxes paid by seniors. So breathe a sigh of relief! And pass the word along to your children and grandchildren that there will be pension funds for them when the time comes!