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Page 1: Tailor-Made SUMMER 2016 Compliance · American and Asian art, as well as an impressive collection of contempo-rary art. Kids’ destinations in-clude SeaWorld San Antonio, the biggest

Compliance Review

General Content Compliance Review»SUMMER 2016

Page 2: Tailor-Made SUMMER 2016 Compliance · American and Asian art, as well as an impressive collection of contempo-rary art. Kids’ destinations in-clude SeaWorld San Antonio, the biggest

summer 2016

Page 3: Tailor-Made SUMMER 2016 Compliance · American and Asian art, as well as an impressive collection of contempo-rary art. Kids’ destinations in-clude SeaWorld San Antonio, the biggest

WEALTHd e s i g n i n g

magazine

GOLF | TRAVEL | FOOD | PHILANTHROPY | HEALTH | INSPIRATION

A lifestyle publication created to uplift and inspire Summer 2016

Risk and Rewards in the Thompson Okanagan

Summer Wines for Sunny Climes

Compliments ofAnderson Financial Group

This publication is sent to you compliments of Anderson Financial Group

Page 4: Tailor-Made SUMMER 2016 Compliance · American and Asian art, as well as an impressive collection of contempo-rary art. Kids’ destinations in-clude SeaWorld San Antonio, the biggest

Tailor-Made™ Magazine

PUBLISHERTailor-Made™ Magazine

COPY EDITORSSandra Willis

Cathi Spratlen

WRITERSTom Kerr

Andrew Penner Caroline O’Connell

Katie West

PUBLICATION DESIGNChristine Powers

Valerie ScafidiDave Borresen

PRODUCTION Angela Willis

Melinda GarlingtonJennifer Roller

ART DIRECTORChristine Powers

MARKETINGHeather Sloan

Elizabeth Scafidi

PHOTOGRAPHYAndrew Penner

Christine Powers

CONTACT [email protected]

866.280.3601

This publication is published and distributed regionally as a client communications resource. Recipients receive their copy complimentary. This is a personalized magazine used by pro-fessionals as a direct-mail piece to their clients and prospects. The information contained herein is offered on an “as-is” basis. Tailor- Made™ Magazine shall not be liable, regardless of the cause, for any errors, inaccuracies, omissions or other defects in, or untimeliness or unauthenticity of, the information contained within this magazine. Tailor-Made™ Magazine shall not be liable for any third-party claims or losses of any kind, including, but not limited to, lost profits and punitive or consequential damages. Tailor-Made™ Magazine does not warrant or guarantee the timeliness, accuracy or completeness of the information contained herein. Additionally, there are no represen-tations or warranties made as to the results obtained from the use of this information. ©2015 Tailor-Made™ Magazine. All rights reserved. No part of this magazine may be reproduced, in whole or in part, without permission of the publisher. Send requests to:

Tailor-Made™ Magazine 6775 SW 111th Ave. Suite 10

Beaverton, OR 97008

QUARTERLYUPDATE

COMPLIMENTS OFAnderson Financial Group

Dear Client,

As you know summer is a perfect time for financial housekeeping. It’s important to take a close look at what’s happening so that potential investment and/or tax savings opportunities are not overlooked.

Below are a few questions to jumpstart your thinking:

• Is it possible to increase your monthly retirement or college savings contributions?• Does it make sense to make a lump sum investment before the end of the year?• Would it be wise to refinance or invest in a rental or vacation property?• Does your business need any equipment upgrades?• Is your business protected by key man and/or business overhead expense insurance?• Have your life and disability policies kept pace with lifestyle and income changes this

year?• Do you need to execute some gifting strategies prior to year-end?

We are now scheduling financial reviews. Please contact us to discuss these and otherquestions, designed to optimize your financial outcomes.

Remember, financial wellness requires constant attention and dedication. As your trusted financial advisor, we welcome the opportunity to guide your decisions every step of the way.

Sincerely,

Paul AndersonAnderson Financial Group

P.S. If you’re not yet a client, it’s no problem. Schedule a financial review to explore your financial possibilities!

Paul Anderson provided the letter written on this page. Other articles and content contained within this publication are provided by and published through Tailor-Made Magazine.

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8 Camp for AllThis destination camp welcomes any child with a disability to experience the fun of summer camp.

7 The Wright IngenuityHistorian David McCullough has penned all that’s Wright in his fascinating book about the brothers’ quest to achieve flight. It’s a read of trial, error, and triumph.

Inspiration

Technology

13 Healthy Summer SmoothiesPacked with fresh fruits and vegeta-bles, these easy smoothie recipes are designed for hot weather hydration.

14 Summer Wines from Sunny Climes

Don’t just think France for fine wines. Some of the best come from Spain and Portugal, and at a surprising value, too.

18 Surprising Developments in the New Digital Economy

Our digital world has forced compa-nies to adjust to ‘disruptors’: add a digital component or disappear.

Sudoku Puzzle p.12

12 Enchanting Strawberry Cheese Pie Strawberries and cream team up for a rich, cool summer dessert.

D E PA R T M E N T S

•TRAVEL 4

•BOOK REVIEW 7

•PHILANTHROPY 8

•GOLF 10

•FOOD 12

•HEALTH 13

•WINE 14

•INSPIRATION 16

•TECHNOLOGY 18

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Wine

HealthTravel

Book Review

Philanthropy

Golf

Food

10 Risk and Rewards in the Thompson Okanagan

Going for broke on any hole is a risk; getting out – the reward. Plenty await you on these Okanagan courses.

16 Doctors Without Borders: Healthcare in Harm’s Way, Saving Lives Worldwide Medical professionals volunteer to save lives where people are in distress be it by war, famine, or natural disaster.

Tailor-MadeTM Magazine• CONTENTS SUMMER 2016 •

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4 San Antonio: Hitch Your Wagon to a Spectacular Lone Star CitySaddle up for a vacation to the wild west! San Antonio offers multi-starred hotels and restaurants and you’ll also be able to sate your appetite for family-friendly thrills of every variety.

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Tailor-MadeTM Magazine | SUMMER 20164

The Lone Star State has much to offer, which

shouldn’t be surprising since it covers a land mass

about the size of France. But if you want to experi-

ence a genuine cross-section of everything that proud

Texans love to boast about, there is no better place to

do it than San Antonio. There you can sample a taste

of real Texas that runs the gamut from raucous cowboy

rodeos to exquisitely world-class fine arts and encom-

passes everything from Wild West frontier history to modern

metropolitan nightlife. San Antonio offers more than enough

to fill a 10-gallon hat’s worth of vacation fun, entertainment,

and cultural education, and you don’t have to own oil wells in

order to afford to vacation there with the whole family.

e Sightseeing and River Walking

e

A peaceful and panoramic way to see San Antonio and get your

bearings is from 750 feet above downtown, atop the Tower of

the Americas. San Antonio’s tallest building is a remnant from

the international HemisFair Exhibition of 1968, and it houses

a restaurant and an observation deck with breathtaking views.

Those who are more comfortable closer to street level can

see the sites on a scenic river cruise by booking a reservation

through Rio San Antonio (riosanantonio.com). The popular

tour boat company offers award-winning guided

excursions, chartered dinner and cocktail cruises,

as well as unique European-style water taxi

services. The boats sail up and down the famed San

Antonio River Walk, a beautifully designed network

of pedestrian walkways that wind alongside the river

– right in the heart of downtown. Disembarking to

meander on foot is encouraged, too, and a stroll along

the River Walk is one of the most delightful ways to discover

dozens of restaurants, shops, and galleries. There are also

historical markers that inform and educate along the way.

e Fine Arts and

Family Fun e

The McNay Art Mu-

seum is a modern

art museum within

a beautiful mansion

surrounded by land-

scaped lawns, foun-

tains, and a Japanese

garden. While its

collection primar-

ily focuses on rare

19th and 20th cen-

tury pieces by art-

ists such as Picasso,

Matisse, and Diego

Rivera, it also fea-

tures an extensive

sculpture collec-

tion and fascinating

works of art from

the medieval and Renaissance periods. The San Antonio

Museum of Art is also worth a visit to see more than 30,000

Travel

San AntonioHitch your Wagon to a

Spectacular Lone Star Cityby Tom Kerr

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SUMMER 2016 | Tailor-MadeTM Magazine 5

artifacts and galleries

featuring Egyptian and

Greek antiquities, Latin

American and Asian art,

as well as an impressive

collection of contempo-

rary art.

Kids’ destinations in-

clude SeaWorld San

Antonio, the biggest

SeaWorld in the USA,

which offers a marine mammal

park, oceanarium, and attrac-

tions like roller coasters and thrill

rides. There is also a Six Flags

Fiesta Texas theme park in San

Antonio, which is a welcome re-

prieve when the summer tempera-

tures climb. Young people are also

fascinated and intrigued by Ripley’s

Museum (ripleys.com/sanantonio),

a state-of-the-art, interactive expe-

rience that brings the world famous

Guinness Book of Records to life.

e Local Cuisine

e

Supper (supperatemma.com), housed within the

exquisite Emma Hotel, is the brainchild of Chef

John Brand, whose passion is locally-sourced

farm-to-table cuisine.

The breakfast menu in-

cludes such rarities as

Chorizo Scotch Egg with

Green Chile Cornbread

and Spiced Waffle with

Duck Confit; for lunch

there’s Honeycrisp Ap-

ple and Parsnip Soup,

Sumac Roasted Beets,

and Amberjack Fillet

with Yellow Romesco Sauce. The dinner se-

lections recently included Braised Oxtail Stew

with Mushrooms, Venison Loin with Juniper

Parsnip Mousse, Smoked Crispy Quail with

Pickled Corn Relish, and Sticky Toffee Pud-

ding with Buttermilk Ice Cream.

For more of a dive-bar ambience, check out Toro

Taco Bar (torotacobar.com), an open-air eatery

offering agave-based drinks and cheap beers

and snacks. The place specializes in tacos, but

it’s not necessarily fast food. Some of

the beef served here has been braised

for 12 slow hours, for example, and

that’s not the end of the story. They

then smoke it four more hours be-

fore piling it into tortillas.

e Craft Cocktails and

Honky-Tonk Nightlife e

Barbaro is a rather laid-back neighborhood bar that

serves delicious pizza (barbarosanantonio.com). Most

tourists will never find it, and that’s a good thing,

because this local watering hole is worth keeping

under the radar. You’ll find handcrafted cocktails,

local beers, and what Texas Monthly described as “an

accessible wine list.” Two years ago the magazine

rated it one of the 10 best new bars in Texas.

Libations include one-of-a-kind creations such as the

Grapefruit Cardamom Mule, Spanish Gin & Tonic,

Beware the Dog, and Kernel Mustard – which spikes

bourbon with honey, lemon, and hot mustard.

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Tailor-MadeTM Magazine | SUMMER 20166

Another centrally-located choice is Ar-

bor House Suites, four Victorian-

inspired houses with guest

suites. The cottages were

constructed by a Swiss cabi-

net maker in 1903, and each

one shares a garden with a

courtyard fountain and is

just one block away from

the historic River Walk. The

Alamo and other attractions

are also within two or three

blocks, making this an idyllic

home away from home.

Mokara Hotel & Spa (omnihotels.com/

hotels/san-antonio-mokara) offers spa

treatments, front-door access to the River

Walk, and you can reserve a room with a

4-poster bed, a private balcony, and a view

of the river. Frommer’s called the Mokara

the closest thing to a 5-star hotel in down-

town San Antonio – and the perfect place

to be pampered in truly memorable fash-

ion. Or stay north of town, in the historic

Monte Vista neighborhood, in O’Casey’s

historic Boutique Inn (ocaseybnb.com).

The B&B is inside a splendid mansion

with large white columns, a wraparound

porch, 7-foot windows, claw-foot bath-

tubs, and plenty of centuries-old South-

ern charm. •

To experience live music that is the

stuff of legends, take a short

commute out to the little

town of Helotes, Texas,

which lies just on the

western outskirts of the

city, and visit the John

T. Floore Country Store

(liveatfloores.com). The

place has never actu-

ally been a store, but for

70 years it has served up

some of the best country

music in history. The founder,

John Floore, was Willie Nelson’s busi-

ness partner in the original Willie Nel-

son Music Company. The Texas dance

hall, renowned for its homemade bread,

tamales, and ice cold beer, has hosted

performers from Bob Wills and the Texas

Playboys, Patsy Cline, and Hank Wil-

liams to Elvis Presley, Jerry Lee Lewis,

and George Jones.

e Where to Hang Your Hat

e

Situated right on the River Walk, the Ho-

tel Valencia (hotelvalencia-riverwalk.com)

is a trendy hotel with elegant rooms, de-

luxe amenities, a chic restaurant serving

locally-sourced cuisine, and a snazzy bar.

Founding of the Mission and Origin of Name

San Antonio de Padua Mission was founded in San Antonio in 1716

by the Franciscan Father Antonio Olivares, and after merging with

the San Francisco Solano Mission in 1718, it was officially founded as

the San Antonio de Valero Mis-sion. The present site was selected in 1724. It was named in honor of Saint Anthony de Padua and the Duke of Valero, a Spanish viceroy. The cor-

nerstone of this chapel was laid May 8, 1744. Founded for the purposes of Christianizing and educating, it later became a fortress and was the scene of many conflicts prior to the

infamous siege of 1836.

Its activity as a mission began to wane after 1765, and it was aban-doned in 1793, and the mission

archives were removed to San Fer-nando, the parish church.

During Mexico’s war for indepen-dence from Spain, a company of Spanish soldiers from Alamo del

Parras, Coahuila, Mexico, occupied the abandoned mission, using its

buildings as barracks. Some believe it is from this association the name

“Alamo” originated.

But according to some historians, the name “Alamo” was derived from a

grove of cottonwood trees growing on the banks of the Acequila, “Alamo” be-ing the Spanish word for cottonwood.

THE

ALAMO

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SUMMER 2016 | Tailor-MadeTM Magazine 7

Book Review

7 SUMMER 2016 | Tailor-MadeTM Magazine 6

by Caroline O’Connell

The Wright Ingenuity

It’s hard to believe that at the beginning of the last century, the thought of a flying machine

was viewed as impossible and against the laws of nature. At the time, bicycles were the

most widespread form of transportation. Wilbur and Orville Wright were part of the boom;

they owned a shop in Dayton, Ohio, where they built, repaired, and sold bikes.

The Wright Brothers, by two-time Pulitzer Prize winner David McCullough, is the engrossing tale of the breakthrough that led to their invention: the first airplane.

To set the stage, McCullough describes their early home life – a close-knit family overseen by their father, a traveling preacher, who instilled the importance of

education and integrity; five siblings including the youngest brothers (Wilbur and Orville) who were hard-working, intellectually curious, mechanically inclined, and

inseparable. Over time, the brothers developed an avid interest in the possibility of flight, and to that end Wilbur spent long hours studying birds in flight.

To learn what had already been established in the field, Wilbur wrote a letter to the Smithsonian, “I am about to begin a systematic study of the subject [of flight] in

preparation for practical work... I wish to obtain such papers as the Smithsonian Institution has published on this subject, and if possible a list of other works in print

in the English language.” In reply, Wilbur received the writings of Samuel Pierpont Langley, head of the Smithsonian and an aspiring aviator in his own right, along

with the papers of other prominent scientists and engineers who had been working on this challenge, including Alexander Graham Bell and Thomas Edison. What is

astonishing, in retrospect, is that the Wright brothers with no college education or connections accomplished what these great thinkers did not.

The brothers were strong believers in first-hand physical experiments to learn how to control and guide the aircraft, so Wilbur began scouting for a proper location

to conduct flying experiments that would provide sufficient wind. He sent a letter to the U.S. Weather Bureau and learned that “a remote spot on the Outer Banks

of North Carolina called Kitty Hawk” fit his need for wind, sand for soft landings, and privacy. This area was so out-of-the-way that boats only went there from the

mainland three times a week and it was inhabited by a few dozen families, mainly fishermen.

Conditions at Kitty Hawk were primitive. The brothers built their own camp and shed to house their first glider, and they did

all the work and repairs on it. After their first round of experimental flying at Kitty Hawk, they figured out that the calcula-

tions of other scientists, which they had been relying on, weren’t accurate. When they returned to Dayton, “the brothers set

up that autumn of 1901 to crack the code of aeronautics themselves. It was a brave decision and a crucial turning point...They

built a small-scale wind tunnel—a wooden box 6 feet long and 16 inches square, with one end open and a fan mounted at

the other end.”

They put their findings to work on their second trip to the Outer Banks in the fall of 1902. “All the time and effort given to

the wind tunnel tests, the work designing and building their third machine, and the latest modifications had proven entirely

successful. They had solved the problem of flight and more. They had acquired the knowledge and the skill to fly... Now they

had only to build a motor.”

1903 – The Year that Changed the World

• March, the Wright Brothers applied for a patent on their “flying machine.”

• June, in his first speech on the subject, Wilbur said, “The soaring problem is apparently not so much one of better wings as of better operators,” meaning learning

how to properly control and navigate the craft.

• August, competitor Samuel Pierpont Langley’s “flying machine” had a test run on the Potomac River and crashed.

• September, the brothers packed up their plane in Dayton and headed back to the Outer Banks in North Carolina to conduct more tests with their new engine.

• December 17, five local men at the Outer Banks showed up to help the Wright Brothers launch their new craft. On the fourth flight test that day, “Wilbur flew a little

over a half mile through the air at a distance of 852 feet over the ground in 59 seconds. It had taken four years. They had endured violent storms, accidents, one

disappointment after another, public indifference or ridicule...all to fly little more than half a mile...They had done it.”

“What had transpired that day in 1903, in the stiff winds and cold of the Outer Banks in less than two hours’ time, was one of the turning points in history, the begin-

ning of change for the world far greater than any of those present could possibly have imagined. With their homemade machine.”

“Not incidentally, the Langley project had cost nearly $70,000, the greater part of it public money, whereas the brothers’ total expenses for everything from

1900 to 1903, including materials and travel to and from Kitty Hawk, came to a little less than $1,000, a sum paid entirely from the modest profits of their

bicycle business.”

McCullough concludes, “Of far the greatest importance to both—more than the money at stake—was to secure just and enduring credit for having invented

the airplane.” •

“The sensation is so keenly delightful as to be almost

beyond description.”(Wilbur Wright describing the feeling of flying in his man-made machine.)

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Tailor-MadeTM Magazine | SUMMER 20168

Summer camp is taken for granted by many kids across America. But others with spe-cial needs or medically-related

lifestyle restrictions are often unable to attend due to limitations beyond their control. To seek a solution for these chal-lenges and open doors where obstacles may have existed, the nonprofit organiza-tion Camp For All was established espe-cially for these children.

Camp For All is a unique, barrier-free camp that enriches the lives of children and adults with challenging illnesses or special needs, as well as their families. Partnering with more than 60 other nonprofits, Camp For All provides opportunities for children facing all kinds of challenges, including those with spinal cord injuries, heart problems, severe burns, and visual impairments. There are camp sessions specially designed to accommodate kids with intellectual and developmental disabilities, multiple sclerosis, cerebral palsy, or epilepsy, while other sessions and activities cater to the needs of those who suffer from sickle cell disease or cancer. These

strategic partners provide campers, volunteers, medical staff, medications, and specialized programming supplies. These important contributions make it possible for a child who is undergoing medical care, for instance, to continue treatments at camp without interruption.

The state-of-the-art facility is not simply accessible. While it does offer 100% wheel-chair access, it goes above and beyond to create universal access with features such as no stairs, sidewalks that are wide enough for side-by-side wheelchairs, and even a barrier-free tree house. Whether it is the architectural layout or the phi-losophy and social model that drives the organization and its volunteers, one of the mottos of the organization sums it up eloquently and succinctly: “Campers learn what they can do at Camp For All, not what they can’t do.”

Since its establishment in 1998, more than 100,000 young people have participated in the wonderful and rare experience of Camp For All. For most of the campers it is the first time in their lives where they have found themselves completely sur-rounded by other kids who live with the

by Tom Kerr

Philanthropy

Camp for AllCamp for All

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SUMMER 2016 | Tailor-MadeTM Magazine 9

same kinds of challenges and who may have endured similarly difficult social isolation. At Camp For All they never feel left out because they are right in the mid-dle of all the action. They are completely immersed in a uniquely fun and deeply rewarding opportunity to focus on shared joy, exciting in-dependence, and empowering con-fidence. Such per-s p e c t i ve - ch a n g -ing engagement provides new and positive ways of self - identifying. The personal and i n t e r p e r s o n a l growth can be phenomenal, and often lasts long after the camp session has end-ed. Very often, campers return home refreshed, revitalized, and renewed.

Thanks to its efforts, about 7,000 kids –including many from all over the United States and even abroad – have attended Camp For All within the past year alone. The facility is located in Texas, between Houston and Austin, but attracts campers from widely diverse cultural, economic, and geographic backgrounds. At camp they enjoy the full menu of typical expe-riences - everything from horseback rid-ing, canoeing, and fishing, to archery and water activities. They also participate in team sports, arts and crafts, nature pro-grams, a climbing wall, and a thrilling zip line. There is a challenge course, too, to help push kids past their perceived lim-its or fears as they prove to themselves just how capable they really are, and how much heart they have to face whatever life sends their way.

When one member of a family faces sig-nificant medical or developmental chal-lenges, it often impacts the entire family. Camp For All gives parents or caregivers a much-needed and deserved break that allows them to rejuvenate and focus on other family members or matters. There

are family weekends and camps for siblings hosted by Camp For All, for instance, so that the entire family has a chance to escape the hospi-tal or treatment routine and enjoy a pleasant getaway with uplifting activities.

Camp For All has earned a four-star rating from Charity Navigator, which is the highest possible rating from a leading nonprofit watchdog group devoted to rating charities on the strength of their finances and governance practices, as well as the transparency of their operations. Visit the official website of Camp For All (campforall.org) for more infor-mation or to learn about volunteer opportunities and ways to offer sup-port to their ongoing mission to bring joy into the lives of children. •

SUMMER 2016 | Tailor-MadeTM Magazine

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Tailor-MadeTM Magazine | SUMMER 201610

At Predator Ridge, for example, which features two su-per-scenic courses that tumble and roll in the arid hills

near Vernon, golfers can throw caution to the wind and try to be a hero on numerous occasions. The Doug Carrick-designed Ridge Course features three reachable par-5s and a drivable par-4.

Like most reachable par-4s, the 16th on the Ridge Course epitomizes what a risk/reward hole is all about. The downhill 270-yarder is fraught

with danger. A large, ball-hungry pond protects the front of the narrow green so any attempt to go for it must be ham-mered high in the air and struck perfectly. So, yes, hitting a “chicken stick” – say a 5-iron – might be the prudent thing to do to take the water out of play. But where is the fun in that!

With numerous accolades and awards over the years, Predator Ridge is certainly a must-play in the Thompson Okanagan. The luxurious course-side accommodation, the world-class practice facility, the fitness center, and the restaurants and patios over-looking the action all add to the allure.

Another awesome benchland course in the Vernon area is The Rise. Opened in 2008, The Rise careens through a variety of natural settings, including dense pine forests, wetlands, and vast, sage-covered bluffs that serve up stunning Okanagan views. In fact, if panoramic vistas are your thing, The Rise is the Okanagan’s trump card.

And, for edge-of-your-seat drama when it comes to “risky” shot making, The Rise also accommodates. The 13th is a great go-for-the-green par-4 that also features an incredible lake and mountain backdrop. At just 280 yards with the green sitting well below the fairway, even medium-length hitters have a shot at it. The same can also be said for the 9th, a 480-yard par-5 that swoops down the hill. The perfect plan here involves a solid drive, a laser-straight hybrid down the hill, and a tap-in for eagle. Regardless of whether your heroic plan comes to fruition or not, a photo capturing the spine-tingling backdrop is absolutely required!

For its sheer visual and photogenic appeal, Tobiano, a challenging Thom-as McBroom design located high above Kamloops Lake, should also be high on your list of places to play. This is one of those rare courses where choosing a signature hole would be an extremely difficult proposition. However, if we’re talking risk/reward holes, it doesn’t get much better than the par-5 8th. This unique par-5 – it cruises along the edge of the bluff in eye-popping fashion – will entice you on the tee shot (clearing the ravine is a must!) and again on the approach.

The hole previous, the diabolical 7th, is an all-or-nothing par-3 with a green hanging on a precarious perch with drop-offs all around. Ever get nervous over the ball? Guaranteed, your knees will be knocking here!

It’s just 250 yards to the front edge of the green and the wind is helping. True, I’ve been spraying it all over

the planet, but I’ve got the firepower. My foursome is egging me on. My adrenaline is flowing. A lay-up with a “chicken stick” is not an option. I take the headcover off my driver and there are smiles (and smirks) all around. Will my risk be rewarded?

Who cares? We’re in the Thompson Okanagan. The sun is shining. The birds are chirping. The orchards are in full bloom. And, truth be told, we were rewarded the moment we teed off.

Well designed golf courses invite you to go for broke. To take chances. To take out the big stick when common sense says otherwise. After all, you only live once. May as well live life to the fullest! At least, that’s what I usually tell myself just before making a triple.

For golfers playing in the Thompson Okanagan, the pain of poorly-timed triples (is there ever a good time?) is tempered by experiencing some of the finest golf courses in North America. Unquestionably, this region of world-class golf is satisfying on every front… regardless of how many “others” you pencil on the card.

With over 30 championship-caliber golf courses to choose from in the Thompson Okanagan, there is no shortage of places to play. From high-in-the-hills stunners to lakeside charmers, there is plenty of variety as well. Whether it’s Kamloops or Kelowna, Oliver or Osoyoos, the sun-soaked brand of golf here – together with the vineyards, the orchards, and the lakes – makes for one of Canada’s most popular and recognizable golf destinations. And, if you love to play with a little go-for-broke swag-ger, rest assured, there are ample opportunities.

Golf

by Andrew Penner

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SUMMER 2016 | Tailor-MadeTM Magazine 11

Unquestionably, there are many such “nervy” shots at Tobiano that will test your bravado. But, at the end of the day, this is one of the most impressive courses in Canada and an opportunity to play it should not be passed up.

Another Thomas McBroom design that has turned plenty of heads since it opened in 2007 is Tower Ranch in Kelowna. The course fea-tures significant elevation changes, gorgeous views, and an exciting collection of golf holes, including one of the best finishing runs in the province. The first two holes plunge down the hillside and the second, a medium-length par-5, is a great ear-ly-round “gambler.” If you can blast your tee shot down the left center it will run forever, affording you an op-portunity to hit the green in two. But be warned: a poorly struck approach will likely find a watery grave.

While Kelowna’s golf scene is certainly hot – also play The Okanagan Golf Club, Gallagher’s Canyon, and The Harvest Club – there are other mini destinations within the Thompson Okanagan that also pack some heat. Take the south Okanagan, for example. Home to Canada’s only true desert, the Osoyoos area is a little slice of heaven for golfers.

The Osoyoos Golf Club – a 36-hole semi-private facility – is a great place to start. Thanks to its warm climate, this area boasts one of the longest playing seasons in Canada. They often start their season in February and go well into November. Not bad for “The Great White North!” Other courses worth playing in this area include Nk’Mip Canyon and Fairview Mountain. Both are staged in beautiful natural settings and surrounded by some of the prettiest vineyards in British Columbia.

Another region within the Thompson Okanagan that’s always a go-to spot for birdies, beaching, and boating is the Shuswap. Although known for being “The Houseboat Capital of Canada,” the Shuswap is certainly a tidy little place to do some swinging. Talking Rock, located near the town

of Chase, is a gorgeous lakeside crusade that features isolated, tree-lined holes and plenty of photo-ops throughout. There’s always a “risk” when you play the par-3 15th. It’s one of the most picturesque holes in British Columbia. However, if you miss the green, your “reward” will be an extremely difficult up and down. Thankfully, the finishing run here,

which includes a reachable par-5 and a drivable par-4, offers daredevils a chance at redemption.

As for rolling the dice on other courses, the Salmon Arm Golf Club, easily one of the best parkland lay-outs in Canada, finishes with a beautiful par-5 that epitomizes what the adventurous brand of golf in the Thompson Okanagan is all about. The pictur-esque hole – it sneaks down the hill and features a kidney-shaped green protected by sand and water – dares you to put it all on the line by going pin-hunt-ing. What will you do? What’s the sensible course of action? Hopefully this little morsel will help you make up your mind: everyone who tees it up in the Thompson Okanagan has already been rewarded.

So swing away, my friend. Swing away. •

Andrew Penner is a freelance writer and photographer

based in Calgary, Alberta. You can visit him at

www.andrewpenner.com.

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Tailor-MadeTM Magazine | SUMMER 201612

Prepare the FillingBeat the cream cheese with the ½ cup sugar until smooth. Add the grated orange rind, orange juice, and light cream. Add the egg and beat on low until well incorporated. Pour this mixture into the prepared, partially baked shell* and bake for 20 minutes or until the filling feels set when touched lightly in the center.

To BakeBake in a fully preheated 350° oven. *To blind-bake the crust, line the crust with waxed paper and then fill it with dried beans. Partially bake the crust, about 10 minutes, then remove the hot beans and paper. Add the filling and bake until the filling feels set in the center, about 20 minutes.

Prepare the ToppingSort the berries according to size and save the most uniform ones for the top. Mix the other half in a food processor for a brief moment or mash them well with a potato masher. Place the mashed berries into a saucepan.

In a small bowl, mix together the two cups sugar and the cornstarch until smooth. Add this mixture to the berries along with the fresh lemon juice. Cook over medium heat, stirring constantly, until the mixture comes to a full boil and thickens. Cool. Pour the cooled topping onto the cooled pie. Arrange the remaining berries (cut-side down) onto the pie. Chill until set.•................................................

» Fill in the grid so that every row, every column, and every 3x3 box accommodates the digits 1-9 without repeating any.

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For more of Karol Redfern Hamper’s recipes, preview her book, A Romance with Baking, available online at Amazon.com.

Enchanting Strawberry C heese PieFilling12 oz cream cheese½ cup sugar1½ tsp finely grated orange rind

3 tbsp fresh orange juice

3 tbsp light cream

1 egg

Topping 4 cups fresh strawberries

2 cups sugar

5 tbsp cornstarch

2 tbsp fresh lemon juice

To Prepare the Dough and Pie ShellPlace flour and salt into a medium-size mixing bowl. On medium speed, or with a pastry cutter, cut the cold butter into the flour un-til the mixture resembles coarse meal, then cut in the shortening.

In a small bowl, beat together the egg, cold water, and vinegar. Add approximately ½ cup of the flour mixture to the wet ingre-dients and mix with a fork to blend. Pour this mixture into the flour bowl, and mix on low speed just until the dough starts to leave the sides of the bowl, or toss with a fork or your fingers to bind.

Divide the dough in half. On a lightly floured board, roll each portion of dough into a circle and use each to line a 9-inch pie pan. Flute the edges and prick the bottoms with a fork to vent out the steam so the bottom will stay flat while baking.

Plastic wrap the second shell and freeze to use at another time.

Food

Pie C rust3 cups all-purpose flour

½ tsp salt

5 oz cold butter, cut up

5 oz shortening

1 egg

6 tbsp cold water

1 tbsp white vinegar

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SUMMER 2016 | Tailor-MadeTM Magazine 13

Ah, summer – time for cool drinks and light meals. Now is the perfect season for smoothies – those refreshing fruit/veg-etable/juice/throw-in-whatever-you-want beverages. Here are 7 recipes to meet everyone’s taste.

Note: Some recipes can be used as meal replacements (20 grams protein or more). All are gluten-free (be sure the oatmeal is certified g-free). And they can be made dairy-free with soy-based protein powder and yogurt. Foods with 5 grams or more of dietary fiber are considered a “high fiber” food.

All recipes make one serving, with the same instructions: Blend all ingredients together thoroughly and enjoy!

This zippy vegetable smoothie is a healthy snack drink.

Calories: 6 Protein: 2 grams Dietary fiber: 2 grams

1 small tomato frozen 3 - 4 hours ¾ cup tomato juice cocktail ¼ fresh, cubed cucumber2 tbsp fresh, chopped cilantro ¼ tsp garlic powder ¼ tsp chili powder ¼ tsp cumin ½ lime, juiced

Lemon juice and zest produce a light citrus drink.

Calories: 143 Protein: 7 grams Dietary fiber: 1 gram

1 cup cold water1 cup ice ½ cup non-fat Greek lemon yogurt1 tbsp vanilla whey protein powder 1 lemon, juiced½ tsp lemon zest ¼ fresh, cubed cucumber

A refreshing mingling of classic flavors, this simple smoothie is perfect on a hot afternoon.

Calories: 269 Protein: 4 grams Dietary fiber: 7 grams

1 cup fresh squeezed orange juice 1 cup ice 1 cup fresh, rinsed strawberries 1 large ripe banana

................................................

by Lisa Teresi Harris, MS, RD, ACE-CPT

Health

13

A fun, alcohol-free version that looks fabulous topped with a pineapple ring and grated coconut.

Calories: 368 Protein: 10 grams Dietary fiber: 6 grams

1 cup coconut water 1½ cups ice 1 cup canned pineapple tidbits packed in juice 1 large ripe banana ½ cup non-fat Greek vanilla yogurt

Chock-full of vitamin A and healthful phytochemicals, this smoothie is great year-round.

Calories: 355 Protein: 28 grams Dietary fiber: 9 grams

1 cup cold water¾ cup canned pumpkin puree½ large ripe banana¼ cup liquid, pasteurized eggs½ cup non-fat Greek vanilla yogurt¼ cup instant, dry oatmeal2 tsp vanilla ½ tsp pumpkin pie spice

All of the flavor and none of the fat or added sugar with this green smoothie. Garnish with a dash of nutmeg.

Calories: 356 Protein: 21 grams Dietary fiber: 13 grams

1½ cups cold water 2 Granny Smith apples, rinsed, cored, and cubed 1 cup fresh, rinsed spinach½ small fresh, rinsed zucchini, cubed½ cup non-fat Greek vanilla yogurt 1 tbsp vanilla whey protein powder 2 tbsp instant, dry oatmeal 1 tsp ground cinnamon¼ tsp ground nutmeg

Indulge without guilt in this healthful version of a candy favorite.

Calories: 367 Protein: 18 grams Dietary fiber: 7 grams

1 cup cold water1 cup ice2 tbsp peanut butter 1 large ripe banana2 tbsp chocolate whey protein powder1 tsp cocoa powder, unsweetened •

Healthy Summer Smoothies

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Tailor-MadeTM Magazine | SUMMER 201614

Spain produces some of the world’s most superior wines, and that’s especially true of the Rioja region. If you love Cabernet but also the dominant fruit flavors found in a lush Pinot Noir,

Rioja is a match made in heaven. Or, more specifically, in Northern Spain along the Ebro River, in old vineyards that are protected to the north by the Cantabrian Mountains. You will never go wrong purchas-ing any bottle that has an official Rioja stamp on the label. For a bottle to be labeled Crianza Rioja, the wine must spend a minimum of one year in oak casks. Rioja Reserva – made from the best grapes of the harvest – is aged for at least three years. The premium Rioja is Gran Reserva, made from exceptional grapes aged a minimum of five years.

Spain is the motherland of sangria, too, which is summer’s favorite wine-based concoction. Well-balanced sangria is an elegantly refresh-ing drink appropriate for virtually any summer gathering – whether it’s a backyard barbeque, a day at the beach, or a dinner party after the sun goes down. Just avoid the mistake of adding softer fruits ahead of time, so that they don’t disintegrate. Add harder fruits and citrus when

you blend the wine and liquor, then refrigerate overnight. Only include softer fruits like berries, melons, and pears when it’s time to serve the sangria to your guests.

Sangria is meant to be made using cheaper, sweeter wine because it eliminates the need to add lots of ordi-

nary sugar, which can easily overwhelm the drink. So def-initely do not use a top shelf red or white to make sangria,

because it will only be a waste of great wine and good money.

Speaking of sweeter wines, Portugal’s Douro region is renowned throughout the world for its port wines, which have an exquisitely complex sweetness surrounded by layers of nuanced complexity and drinking pleasure. These are fortified wines that take their name from the city of Porto, and they are made by adding grape brandy to the wine before it has finished fermenting. Arresting the fermentation process early retains much of the natural sweetness of the grape. Genuine port only comes from Portugal, and some of the top brands are Taylor’s, Croft, Ramos Pinto, Graham’s, Dow’s, and Warre’s. Invest in the oldest port you can afford and you’ll have a memorable and unique wine to serve with desserts and cheeses.

There are also some acclaimed dry reds that originate in Portugal, and they offer tremendous value. The 2013 Jose Maria da Fonseca Domini validates the notion that three’s the charm, by deliciously

Wine

by Tom Kerr

When summer comes, it’s an ideal

time to shop for great wines from

Spain and Portugal which deliver

a double delight: delicious sips and

exceptional value.

Summer Wines

Sunny Climes

Tailor-MadeTM Magazine | SUMMER 201614

Spain produces some of the world’s most superior wines, and that’s especially true of the Rioja region. If you love Cabernet but also the dominant fruit fl avors found in a lush Pinot Noir,

Rioja is a match made in heaven. Or, more specifi cally, in Northern Spain along the Ebro River, in old vineyards that are protected to the north by the Cantabrian Mountains. You will never go wrong purchas-ing any bottle that has an offi cial Rioja stamp on the label. For a bottle to be labeled Crianza Rioja the wine must spend a minimum of one year in oak casks. Rioja Reserva – made from the best grapes of the harvest – is aged for at least three years. The premium Rioja is Gran Reserva, made from exceptional grapes aged a minimum of fi ve years.

Don’t Underestimate Sangria

Spain is the motherland of sangria, too, which is summer’s favorite wine-based concoction. Well-balanced sangria is an elegantly refresh-ing drink appropriate for virtually any summer gathering – whether it’s a backyard barbeque, a day at the beach, or a dinner party after the sun goes down. Just avoid the mistake of adding softer fruits ahead of time, so that they don’t disintegrate. Add harder fruits and citrus

when you blend the wine and liquor, then refrigerate over-night. Only include softer fruits like berries, melons, and pears when it’s time to serve the sangria to your guests.

Sangria is meant to be made using cheaper, sweeter wine because it eliminates the need to add lots of or-

dinary sugar, which can easily overwhelm the drink. So defi nitely do not use a top shelf red or white to make sangria,

because it will only be a waste of great wine and good money.

Explore Douro this Summer

Speaking of sweeter wines, Portugal’s Douro region is renowned throughout the world for its port wines, which have an exquisitely complex sweetness surrounded by layers of nuanced complexity and drinking pleasure. These are fortifi ed wines that take their name from the city of Porto, and they are made by adding grape brandy to the wine before it has fi nished fermenting. Arresting the fermentation process early retains much of the natural sweetness of the grape. Genuine port only comes from Portugal, and some of the top brands are Taylor’s, Croft, Ramos Pinto, Graham’s, Dow’s and Warre’s. Invest in the oldest port you can afford and you’ll have a memorable and unique wine to serve with desserts and cheeses.

There are also some acclaimed dry reds that originate in Portugal, and they offer tremendous value. The 2013 Jose Maria da Fonseca Domini validates the notion that three’s the charm, by deliciously

Wine

by Tom Kerr

OléWhen summer comes, it’s an ideal

time to shop for great wines from

Spain and Portugal which deliver

a double delight: delicious sips and

exceptional value.

Summer Wines from

Sunny Climes

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SUMMER 2016 | Tailor-MadeTM Magazine 15

Just as in Argentina, also a huge beef exporter that has lovely malbec reds, the cowboys of Uruguay cultivate grapes that deliver smooth, robust wines that they refer to as “tannat.” These are made from thick-skinned grapes that are high in tannins, and they have the power and complexity to complement hearty grilled meats in an outstanding fashion that will earn you compliments as a host. The Bodegas Carrau Amat is a luscious choice at around $30 and

another solid contender is the more floral De Lucca Tannat Reserve. The slightly less

expensive Vinedo de Los Vientos Al-coyne Tannat is an excellent dessert wine, and the $18 Bodega Garzon is another lovely red to serve if those

steaks and burgers are going to be followed up with

dark chocolate.•

blending a trio of different grapes that exude notes of plum on an earthy foundation. The price is also quite palatable, at about $15 a bottle. Spend twice that much and you can enjoy the 2009 Vista da Regua Vinhas Velhas, a six-grape blend with flavors of dark fruits and peppery spice. Or split the difference on price: for about $22 you can try out the 2012 Quinta da Manoella Tinto – which has a pleasing floral opening before hitting earthy and peppery notes with a fruity finish. Increase your budget and you can collect and drink Portuguese varietals that have been ranked among Wine Enthusiast’s 100 Best. The prestigious magazine gave 94 points, for example, to the Douro region’s Quinta dos Murças 2010 Reserva Red and the Quinta da Foz 2011 Grande Reserva Red, as well as to the Alentejano region’s Luis Duarte 2012 Rubrica Red. Each can be found for forty or fifty bucks.

Spain and Portugal are famous for their reds, but some white wines worth investigating include Adega de Pegões Colheita Seleccio-nada; Almeida Garrett Mountain Chardonnay Beiras Interior; and Alvaro Castro Dão Branco – all from Portugal. Wine Enthusiast rated another great wine – Portugal’s Cartuxa 2013 Pêra-Manca Branco White – with a score of 95. It is characterized by pear flavors and described by the magazine as “beautiful, rich, and oh so stylish.”

Spanish white wines that are particularly fun include Lagar de Cervera Albariño 2014, which has vivacious citrus flavors; Martín Códax As Caixas Godello 2014, a full-flavored wine that still manages to remain light and delicate; and the wine with one of the best names ever – Most Wanted Albariño 2014, which offers pear, apple, and almond notes delivered fresh but dry.

You can also venture to a continent a little closer to home, where Spanish is spoken and where the Portuguese settled in the late 1600s. The nation of Uruguay is primarily known for its beef exports, but that may be a great reason to check out the wine selec-tion from this South American country. Logic follows that people who are famous for their beef probably also value wines that pair beautifully with whatever you have on your grilling menu.

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Tailor-MadeTM Magazine | SUMMER 201616

the work isn’t glamorous, most is done by volun-teers who don’t get enough sleep, and it takes place in some of the most gut-wrenching situa-

tions and undesirable places imaginable. But it is inspired by the same unwavering sentiment that motivates people to help neighbors recover from a house fire or assist strang-ers to rebuild in the wake of a tornado. That willingness to offer selfless aid in a time of need can be seen anywhere

people take it upon them-selves to rise to the occa-sion and lend their helping hands. In the case of Doc-tors Without Borders (Mé-decins Sans Frontières), a global organization founded in the 1970s, it’s done by medical professionals who leave the safety and com-fort of home to venture into war zones, refugee camps, and towns infested with

deadly diseases. They go wherever they have to in order to render whatever assistance they can, and their heroic examples have inspired others to follow in their footsteps and per-petuate the organization’s work for nearly 50 years.

Humanitarian Service witHout Superficial conStraintS

Doctors Without Borders is fueled by a simple core understanding and philosophy – that disaster victims, regardless of who they are or what was the cause of the disaster – deserve fast, compassionate, professional medical assistance. The group doesn’t determine who receives help based on any kind of national boundaries or political ideologies, but instead delivers services solely based on where they are needed the most. This routinely puts its doctors, nurses, and other health care providers face-to-face with the same dangers that afflict those they are trying to rescue. Some die trying to deliver lifesaving aid. But the effort has proven to be highly successful in providing direct relief to save countless lives all over the world.

Since its founding, the financially independent organiza-tion has treated well over one hundred million patients. In

2014 alone, Doctors Without Borders performed 8.25 mil-lion outpatient consultations. Every year, Doctors With-out Borders sends more than 2,500 medical volunteers into at least 80 different countries, and they also coordinate their efforts with another 15,000 lo-cal personnel on the ground. They serve in countless refu-gee camps, slums, warzones,

and in places that have been ravaged by floods, hurricanes, tsunamis, fires, earthquakes, and any other catastrophic event that wreaks havoc and heartbreaking, life-threaten-ing devastation. For its extraordinary work, Doctors Without Borders was honored with the 1999 Nobel Peace Prize in rec-ognition of the organization’s pioneering humanitarian work on several continents.

HumBle BeGinninGS

Doctors Without Borders had humble beginnings, when in the early 1970s a small band of doctors came together to respond to two major disasters – a widespread flood in eastern Pakistan where Bangladesh is now located, and the cruel and horrific internal conflict in Biafra, a state in southeastern Nigeria that was at war for nearly three years. More than three million civilians died from fighting and starvation during that dark time. Some of the doctors who provided emergency aid there realized how much their work was impeded by procedures and politics, so they launched Doctors Without Borders. At the time, just 300

by Tom Kerr

16

Doctors Without Borders: Healthcare

in harm’s way, to save lives worldwide

Inspiration

Suiting up to treat Ebola patients.

One child among many kwashiorkor cases found in

Nigerian relief camps during the Nigerian–Biafran war.

Treating a Haiti earthquake victim

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SUMMER 2016 | Tailor-MadeTM Magazine 17

emerging, and studies confirm that the approach worked exceptionally well. In two of the nations where this strategy was used, for example, there was a decrease in malaria cases of approximately 70 percent. There was also an unexpected positive outcome, as malnutrition levels also dropped dramatically.

This is the kind of unforeseen but long-lasting effect that the work done by Doctors Without Borders often has, which can then be replicated throughout the world by other health care providers.

Similarly, when Doctors Without Borders teams arrived in Nigeria a few years ago to respond to outbreaks of measles and meningitis, they found that many of the children being treated for meningitis symptoms were, in fact, suffering from lead poisoning. That led to an investigation of region-al mining practices, and with the cooperation of the World Health Organization and the Centers for Disease Control in the United States, procedures were initiated to protect children and other residents from the toxic run-off caused by unsafe mining. The effort saved lives immediately, while also ensuring the welfare of future generations.

Doctors Without Borders is an unprecedented model, and the organization has established an enormous global footprint that will likely never be duplicated. But it still adheres to a universal principle anyone can follow. Reach-ing out to help a neighbor in need when they are sick and distressed is the right thing to do, and can be rewarding in ways that far exceed ordinary expectations. •

volunteers were involved – all of whom shared the belief that all people have a right to medical care regardless of gender, race, religion, creed, or political affiliation.

One of the first missions of the organization after it was of-ficially chartered was to send relief to the Nicaraguan capi-tal, Managua, where an earthquake had destroyed most of the city and killed between 10,000 and 30,000 people. Soon afterwards, Doctors Without Borders was deployed to help the people of Honduras after Hurricane Fifi caused major flooding and killed thousands of people. Then, in 1975, the group established its first large-scale medical program during a refugee crisis, providing care for wave after wave of refugees fleeing Cambodia during that country’s genocidal civil war.

emerGency care witH SuStained Benefit

In many of the places where it serves, Doctors Without Borders also has a broader impact that goes far be-yond its immediate mission. Often, it is able to affect much larger populations and introduce new health care practices that have sustain-able and scalable results. For instance, the organization has been at work in Haiti since the early 1990s providing vari-ous kinds of medical care to hundreds of thousands of resi-dents who would otherwise have no such treatment. Then, following the 2010 earthquake, Doctors Without Borders incorporated major burn treatment into its programs and opened Drouillard Hospital, which was the first dedicated burn unit in the country. Today Drouillard Hospital contin-ues to offer emergency care, surgery, physical therapy, and mental health services to burn victims, and will be serving the population of Haiti for years to come.

In its ongoing efforts to combat malaria, which kills more than 1,500 people each day around the world, teams at Doctors Without Borders came up with an innovative protocol to target the disease during the rainy season, when the disease is most rampant. The seasonal intervention strategy allowed them to simultaneously treat active cases of malaria while proactively preventing new cases from

17

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Tailor-MadeTM Magazine | SUMMER 201618

what next?

washing machine that monitors itself, orders its own laundry sup-plies, and knows when it needs to be repaired. Then it uses digital communication technology to enter into a contract with an actual service repair professional. After the work is done the appliance generates an invoice and sends an electronic payment. Not only that, it also cleans your clothes.

The auto insurance industry uses generalized statistics and broad averages based on driver age, location, type of vehicle,

Technology

18

D igital solutions impact commerce and the economy in ways that nobody could have predicted even ten years

ago. People who rent rooms in their homes to perfect strang-ers are giving hotel chains a run for their money. Soccer moms are picking up extra passengers to compete with professional taxicab companies, and small businesses that have been de-nied loans by big banks are raising millions of dollars for free on crowd-sourcing websites. Despite prohibitively high tuition costs, so-called “Open Online Courses” offer free education –

from some of the leading universities and educators in the world – to students unable to access a schoolhouse or classroom. All they need is a digital device like a laptop or iPad to plug in to learning and expand their horizons.

Digitech is also delivering what the founder of Girl Meets Dress calls “a Cinderella experience.” The self-defined “disruptive e-commerce business” provides millions of women with the ability to rent spectacular, high-end designer dresses and accessories, for a fraction of the retail price. The idea came from a former pub-lic relations manager for the French luxury brand Hermès. Back then, her job involved lending coveted outfits to fashion maga-zines, modeling agencies, and celebrities who wore them to red carpet events. She decided that it would be just as easy and a lot more fun to let everyone have the same access to those fabulous threads, so she used a digital platform to make it happen.

Manufacturing can now be accomplished without paying a factory, thanks to digital printers that produce ready-to-sell 3-dimensional products. These aren’t just amateurs trying to make widgets in the garage, either. General Electric recently printed a jet engine – in-cluding all of the vital electronic circuitry and essential computer sensors – and the engine really works. Samsung demonstrated a

Surprising Developments in the New Digital Economy

and driving record. Then they come up with an average figure to charge customers. You pay the same whether the car sits in the garage gathering dust or you drive nonstop on streets filled with potholes. But soon auto insurance will be farmed out to individu-als who can assume risk for just a specific mile or two of what-ever route the vehicle happens to be traveling, before the coverage is taken over by a different entrepreneur for the next leg of the journey. They’ll evaluate risk that is much more pinpointed, and for many drivers this will result in much cheaper coverage. An on-board computer will be able to constantly scan digital platforms and shop for the cheapest available coverage, perhaps buying from a dozen different insurance carriers during a 100-mile commute.

Technology-driven advancement, once the fantastical creation of sci-fi writers and cartoonists (think the “The Jetsons”), is quickly becoming a commonplace reality. Commerce and educa-tion, no longer limited by four walls or a storefront, are turning traditional business models upside down, opening up creative career alternatives, and reaching unimagined markets. The sky is no longer the limit when it comes to the potential of a digital economy. Stay tuned for the next big thing, because it’s already on the way. •

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SUMMER 2016 | Tailor-MadeTM Magazine 19

....................Our Fun Facts section educates you on various fascinating, enjoyable, but otherwise useless facts.

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The longest-active volcano in the Pacific is Kilauea, on Hawaii’s Big Island, which has been con-tinuously erupting for 33 years. The tallest volcano on earth is also in Hawaii, the Mauna Kea volcano. Although it is more than two and half miles high, it is only about 40 yards taller than the world’s second tallest volcano, Hawaii’s Mauna Loa. Here are some other fun facts about volcanoes.

•Volcanoes like these are much taller than meets the eye, because they grow up from the bottom of the ocean. Mea-

suring Mauna Kea from its underwater base to its peak, it is taller than Mount Everest. The tallest known volcano,

Olympus Mons, is not on this planet, but on Mars – where it soars nearly 17 miles into space.

• At any given time, there are approximately two dozen active volcanoes erupting somewhere, and that doesn’t

factor in those that are under the oceans of the world. About three-quarters of all volcanic eruptions happen deep

beneath the ocean, and most are not noticed by geologists.

• One of the reasons there are so many undersea volcanoes is that they often form at the mid-ocean ridges, where

tectonic plates are susceptible to spreading and buckling. They can also come out of nowhere and sprout up in no

time at all.

• The cinder cone volcano Paricutin appeared in a Mexican cornfield in 1943 and grew five stories tall in less

than a week. Within a year it was half a mile high, before topping out within 10 years of its debut at a height of

approximately 130 stories.

• In 2014, the eruption of the undersea Hunga Tonga Ha’apai volcano in the South Pacific pushed up a new island

that is a mile long. But don’t plan to vacation there, because it is covered with gurgling, sulphuric lakes that are

like natural cauldrons of acid.

• Volcanic rock or pumice is the only rock that floats, and the presence of ash after an eruption can create brilliantly

colorful sunsets. Volcanic deposits are also used as building materials, industrial abrasives, and to make light-

weight aggregate in concrete.

• A “small” eruption like Mount St. Helens released a cubic kilometer of material. The largest explosion on record

was Toba, thought to have erupted 73,000 years ago. Generating a thousand times more material, it created a

surface formation of cooled lava that measured about 75 miles long and 20 miles across. Scientists believe that

this single volcanic event triggered the Ice Age.

Trying to time and forecast volcanic eruptions, which are often catastrophic, is difficult. Interestingly, one of the most

effective techniques was invented not by a geologist but by a musician and physicist. Dr. Domenico Vicinanza, at the

Italian National Institute of Nuclear Physics, theorized that mounting pressure within

volcanoes about to erupt would change auditory tones, much like the air compressed

and released from a pipe organ. He created software to measure recorded sound

waves and detect significant changes that could portend an imminent eruption. He

also composed music from those recordings of volcanic sound, which has been used

by dancers for choreographed theatrical performances. Whether reflected in art or

science, volcanoes continue to fascinate us as they unleash the immense power of

nature and reshape our world.

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