the good life spring 2015

S P R I N G 2 0 1 5 « T H E G O O D L I F E 1

SPRING 2015

walkies forffffffoooooorr peopleHow takinga stroll can improve your health

it endsafter

What to do when a relationship is over

roughingHow to getmore fi bre in your diet

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2 T H E G O O D L I F E « S P R I N G 2 0 1 5

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S P R I N G 2 0 1 5 « T H E G O O D L I F E 3S P R I N G 2 0 1 5 « T H E G O O D L I F E 3

PUBLISHER

Pierre Pelletier

EDITOR

Bhreandáin Clugston

CONTRIBUTORS

Don FennellMatthew Hoekstra

Martin van den HemelJack Micner

Shaun Rickerby

ADVERTISING

Elana GoldCollin Neal

Kimberley LimJane Ilott

CIRCULATION

Kristene MurrayLito Tuazon

Roya Sarwary

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THE RICHMOND REVIEW

#1 - 3671 Viking Way,Richmond, B.C. V6V 2J5

604-247-3700RichmondReview.com

Adult Learning in the Computer Age | 4

Walking for Wellness | 6

Save Our Seniors | 10

A Lifelong Volunteer | 14

E-reader or Tablet? | 18

Fibre is First Class | 20

Front Row | 24

Health, Mind and Body | 26

How to Become More Active | 28

When the Relationship Ends... | 29

Planning Your Pension | 30

Welcome to the Spring 2015 edition of Th e Good Life. With spring weather here, now is a good time to get out in the great outdoors. Richmond

has many wonderful walking routes. Plus there’s no hills! Th e City of Richmond has set up a Walk Richmond Series, where you can discover such gems as Iona Jetty or Horseshoe Slough. Also in this issue, read about how a happy tummy can make for a happy mind. Most Western diets don’t have enough fi bre. Learn about the benefi ts of fi bre and what foods are best to help boost your fi bre content.

Teaching makes transformation in the online world

MARTIN VAN DEN HEMEL

FOR ADULT LEARNERS eager to rechart their career path, or simply wanting to bolster their re-sumes, the learning options are virtually endless.

From the continuing education offerings by the Richmond School District, to the Third Age Learning program at Kwantlen Polytechnic University—where quizzes/grades/prerequisites are shunned in favour of discussion/humour/insight—the way people are accessing information and knowledge is different from even a decade ago."For people interested in learning new things, there are more options than ever," Michael Khoo, head of the Rich-mond School District's continuing education program, said.The Richmond school district is gradually phasing out face-to-face teaching in its adult continuing education pro-gram, offering instead six-week online courses that begin every month and start at $119, and are monitored by an instructor who is available to answer questions and guide students along. The learning material can be accessed any time, any day.Online courses (ed2go.com/richconted) include account-ing and finance, business, computer readiness, healthcare and medical to law and legal, personal development, and writing and publishing.Why the move away from the traditional classroom set-ting?Simply put, there's a dwindling demand for that form of in-struction, while the supply of online educational offerings are seemingly endless, including minutes-long instruc-tional videos on YouTube where people can apply their knowledge right away. Others are also turning to Google to find answers.The Third Age Learning program at Kwantlen is aimed at "providing those 50 and over with creative and stimulating educational activities."Known as TALK, the program is described as a "participatory learning experience with no quizzes, grades or prerequisites."

Instead, the learning process is "full of discussion, contro-versy, humour, insight and wisdom."Aside from taking part in course, people who sign up can become a course facilitator, help plan curriculum, identify speakers, prepare newsletters, recruit new mem-bers and help organize special events and promote the program.TALK membership is open to anyone north of 50, with an annual membership fee of $10. TALK courses are of-fered at low fees to cover administration costs, and earlier this year, talks included: The Nature and Value of Privacy, a Primer on Tea in China and Japan, and Some Basics about Hearing.What's changed, Khoo said, is that people don't want to wait for anything.Like accessing a vending machine, consumers want things right away.And that instant, anytime/anywhere access seems best suited to the online medium."What's happening is many providers can't keep up with the demand," Khoo said. While some older learners are comfortable with turn-ing to their computer screens for classes, others are less inclined to do so.What does the future hold?Khoo said the online distribution of learning materials will continue to become more sophisticated and engag-ing.Webinars, which contain some live interaction with an expert, will continue to be popular, he said.But not all the details are clear on how people will access educational material in the future.Specifically, there's no definitive model on how people will be charged for online learning. "In this day and age of Internet technology, where every-one can access information for free, the big challenge for the delivery of knowledge is the expectation of low cost and no cost to the customer," Khoo said. "That's a hard financial model to keep solvent."Then there's the issue of whether all learners have access to a computer that's linked to the Internet, and whether that means learning will only be accessible to those who can afford it.

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IT TAKES LITTLE more than a good pair of shoes and some willpower to get outside. Walking may be a simple activity, but its health benefits are many and within easy reach in Rich-

mond.Most of the trails, sidewalks and park pathways here are flat—some packing some stunning scenery—offering plenty of potential for a walking workout.

Finding fitness in walking isn’t a new concept, but it

is one sometimes overlooked amid a dizzying array of exercise programs and fitness trends. Now new research from the University of B.C. offers more proof that exer-cise needn’t be complicated for us to enjoy its benefits.

The study probed the benefits of pedestrian-friend-ly communities. It found those who prefer to live in walkable neighbourhoods reported a significantly lower incidence of high blood pressure—10 per cent—than those who don’t live in walkable areas—21 per cent.

A sunset walk in Steveston. Sue B photo via Flickr

walking for wellnessRegular brisk walks is a simple fitness routine proven positive for health

MATTHEW HOEKSTRA


“We found that people who prefer and live in walkable neigh-bourhoods walk about five days per week, compared to one or two days a week for those who want to walk but do not live in a walkable neighbourhood,” said lead researcher Larry Frank.

Indeed walking is one of the easiest ways to stay healthy. And Richmond, with its extensive trail network that offers plenty of safe, walkable routes, is a great place to start walking for wellness.

Just getting outside is good for your health, according to the B.C. Recreation and Parks Association. Its Healthy in Nature initiative explores the relationship between human health and nature.

According to the association, research supports that being out-doors has a positive influence on people’s health and weight. It and even helps people to recover faster from illness and injury.

Get movingExperts at HealthLinkBC recommend at least two-and-a-half hours of moderate activity—such as brisk walking—each week.

They suggest starting with a short-term goal, such as a five-min-ute daily walk. Once it has become a habit, it’s time to set a longer-term goal, such as walking briskly for at least 30 minutes a day—or up to 10,000 steps—five days a week or more.

A pedometer can help track steps each day. A doctor can also help with advice, especially if you’re worried about the impact brisk walking could have on your health.

One key is to stay motivated. Finding a walking partner—a friend, a family member, a co-worker—can help with this. Daily dog walks are also a good way to keep up a fitness routine.

Certified exercise physiologist Normand Richard offers a good way to get started in a post on the B.C. government’s HealthyFamilies-BC website. He suggests taking a two-week walking challenge:

•Walk 30 minutes or more six days a week for two weeks;

•Walks can be divided into three blocks of 10 minutes or two blocks of 15 minutes;

•Try to get two friends to join you for a walk each week;

•Track your progress in a log (sample at healthyfamiliesbc.ca, search “walking challenge”).

see page 9

“We found that people who prefer and live in walkable neighbourhoods walk about five days per week, compared to one or two days a week for those

who want to walk but do not live in a walkable neighbourhood,”

www.richmond.ca

Sit less. Walk more. Walk Richmond.

Safe • Social • Healthy • Educational • Fun

Free guided walks are for all ages, are approximately one hour and include a warm up, cool down and stretch. Rain or shine. No registration required. Find walk details at www.richmond.ca/walk.

2015 Spring Walking SeriesSaturday, May 9, 10:00amMinoru Park–Move for Health Week family walk

Thursday, May 14, 7:00pmGarden City and Paulik Parks & Scavenger Hunt

Saturday, May 23, 10:00amMiddle Arm Dyke–Public Works Open House Walk

Thursday, May 28, 7:00pmHorseshoe Slough • Dog-friendly walk

Saturday, June 6, 10:00amBritannia Shipyards–Doors Open

Thursday, June 11, 7:00pmRichmond Nature Park

Saturday, June 20, 10:00amIona Jetty

Thursday, June 25, 7:00pmTerra Nova

Walking has its rewards... Join the Frequent Walker Rewards Program and earn points towards

a complimentary pass for swimming, skating, community recreation and pitch and putt!

More information andwalk schedules: 604-276-4300www.richmond.ca/[email protected]


•Saturday, May 9, 10 a.m. – Move for Health Week Family Walk at Minoru Park. Celebrate Move for Health Week with a family walk in the park. Meet in front of the grandstand at 7191 Granville Ave.

•Thursday, May 14, 7 p.m. – Garden City and Paulik Parks & Scavenger Hunt. Walk and explore the beauty of the lake while admiring over 100 trees and plants from around the Pacific Rim and enjoy the ever changing gar-dens at Paulik Neighbourhood Park. Meet at Garden City Park parking lot, one block east of Garden City Road on Granville Avenue.

•Saturday, May 23, 10 a.m. – Middle Arm Dyke / Public Works Open House Walk. Following the Fraser River, this walk passes the Richmond Olympic Oval and offers spectacular views of the North Shore Mountains. Meet at Dover Park playground, 5855 Dover Cres.

•Thursday, May 28, 7 p.m. – Horseshoe Slough. This se-cluded walk along the rural, tree-lined trail crosses over the bridges of historic Horseshoe Slough. Walkers are welcome to bring their dogs on the walk. Meet at Wood-wards Landing, one block west of No. 5 Road off Dyke Road.

•Saturday, June 6, 10 a.m. – Britannia Shipyards/Doors Open. Explore the historic Britannia Shipyards and walk the Fraser River to London Heritage Farm as part of Richmond’s Doors Open event. Meet at the shipyards, 5180 Westwater Dr.

•Thursday, June 11, 7 p.m. – Richmond Nature Park. Come out and explore all that the Richmond Nature Park has to offer. Encounter plants and animals in bog, forest and pond habitats. Meet at the Nature House, 11851 Westminster Hwy.

•Saturday, June 20, 10 a.m. – Iona Jetty. Take a stroll on the jetty and enjoy panoramic views of Mount Baker to the east, the Coast Mountains to the north with Pacific Spirit Regional Park in the foreground and the Vancou-ver Island Mountains to the west. Meet at entrance to jetty near west end of Ferguson Road.

•Thursday, June 25, 7 p.m. – Terra Nova. Explore the Terra Nova Dyke Trail, gardens, park and adventure playground. This walk travels through excellent habitat for birds and other wildlife. Meet at entrance to the West Dyke Trail at the west end of River Road.

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According to Richard, walking is a great activity with heart health benefits. It can also improve bone density and muscle endurance.

“Going for a walk provides an excellent opportunity for you to take a break from the busyness of life,” he adds. “Making time to get outside in the fresh air is one of the best ways to combat stress.”

Benefits beyond healthThere are plenty of physiological benefits to walking. Cardiovascular health can improve. Strength and endurance can increase. Body weight can be maintained in an optimum zone.

But the activity can also be fun and provide a sense of social connect-edness—with one another and a community.

So much so, the physical benefits of walking are almost secondary, says Sharon Meredith. Those benefits, she says, can happen naturally for those who regularly exercise. Meredith is co-ordinator of Walk Richmond, a walking series aimed at people of all ages and fitness levels. The program has 22 routes allowing participants to explore trails, landmarks and heritage sites throughout the city.

Walks, held rain or shine every second Saturday, are guided, ap-proximately one hour long and four to five kilometres in distance. Additional walks are held every second Thursday in months when daylight allows. That frequency, and the social connections partici-pants make, help with motivation.

“There is that sense of commitment and obligation. Sometimes you’ll let yourself down. You won’t go out and exercise because you’re too tired, it’s a bit rainy. But when you know that other people will miss you because you didn’t show up, you have a sense of: I really want to get out there and I want to see my friends that I’ve met in the walking group as well.”

The walks offer participants the chance to build friendships with other walkers, explore Richmond’s natural environment—and at the same time learn something about the city’s history.

New immigrant families are among participants, many of whom have a keen interest in learning more about Richmond. They’re also interested in meeting people and learning English.

Exploring the communityLongtime residents might think they know Richmond, but the Island City can surprise. Meredith often hears comments from Walk Richmond participants that they’ve heard of a particular trail or park, like Shell Road Trail, but have never walked it.

“This is great that they feel they can participate, exploring some of these trails in a real safe, social environment.”

An appeal is that participating in the program is free, and it’s co-ordi-nated, says Meredith. That breaks down barriers for people who can’t necessarily participate in other structured programs.

And walking, she says, is an activity most people can do. Although would-be participants who haven’t been physically active for some time are recommended to check with a physician first.

The Talk Test is also used. Participants should walk briskly, but should also be able to carry on a conversation with their walking partners. “In most instances walking is a very safe, very accessible exercise for the majority of people,” says Meredith.

Walk Richmond isn’t just about promoting scheduled walks.

On off-weeks, organizers encourage walkers to meet at Minoru Park’s track for a group walk. The program also makes its route maps available online for people to explore themselves.

Meredith says the Walk Richmond program is also keen to encour-age people to start their own walking groups. In her Richmond cul-de-sac, for example, Meredith and her neighbours walk out their front doors one evening each week for a neighbourhood walk.

“It’s a wonderful way to get to know your neighbours, and (provides) that social connectedness, and that feeling you belong in your com-munity as well.”

For further motivation, walking kits are available from the Steveston and Cambie community centres. The kits, $5 plus tax, include a pedometer and other walking resources.

from page 7walking for wellness


WESTCOAST

Experienced with wheelchair assisted living

10

JACK HAD GROWN accustomed to life as a pet in his 12 years. But he recently found himself at Rich-mond Animal Shelter.

His elderly owner had surrendered the shih tzu because he was no longer able to provide care.“Basically two seniors were separated,” says Wendy Riley, community development co-ordinator with Richmond Ani-mal Protection Society.The society, which operates the No. 5 Road shelter, has launched a “Save Our Seniors” campaign to raise awareness about the numerous senior animals in the shelter’s care that need fostering or forever homes.In human years, silky haired Jack is 64 years old—a senior dog. One that happened to become homeless.But he’s one of the lucky ones. Less than a month after arriv-ing at the shelter, Jack found his forever home.

He was adopted.It’s an unfortunate reality, but as pets enter their golden years some face a real possibility of being left behind by their owners. Dogs and cats over age 10 are regularly dumped at the shelter, and they watch as potential adoptive families pass them by. They come with stigmas. There’s a fear of future veterinarian bills. An uncertainty of remaining years.“Folks usually prefer to adopt kittens and or puppies, so older cats and dogs often get passed over when puppies or kittens are in the shelter,” says Riley. “With kitten season right around the corner, older cats in the shelter have less chance of being adopt-ed during these months as all the attention goes to the kittens.”

Mature pets can be perfect companionsThe shelter works to educate people on how wonderful adopt-ing a mature or senior pet, like 10-year-old Jack, can be.

see page 9

Wendy Riley holds Jack, a senior dog left at the city pound. Facing an uncertain future, Jack found a new home after being adopted last month around St. Patrick’s Day. Trudy Morse photo

MATTHEW HOEKSTRA

As pets enter their golden years some will be left behind

save our seniors



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from page 7save our seniors“You’re not getting a puppy, where we can’t tell you what it’s about. You know the dog is not going to change in size or shape or co-lour, and we can tell you exactly how won-derful his personality is and what his dis-position is like. So right off the bat you’re not getting anything unknown. You’re get-ting something you can be confident with.”For busy people, mature dogs over the age of five are perfect companions. Such pets have already gone through the early stages of housebreaking and training. Shelter staff can also inform potential adoptees about the animal’s likes and dislikes, and any health concerns.And for families willing to foster an ani-mal, veterinarian care is covered.For cat lovers, the situation is similar. Kit-tens, says Riley, are a lot of work. Especial-ly adopting a single kitten. Most are full of energy and eager to get into mischief. Without their litter-mates to burn off en-ergy with, humans become their play toys.That means lots of nights being woken up by a high-energy kitten. Adopting kittens in pairs is an easy way to help move through the kitten phase a little easier, as they’ll be able to play, cuddle and console each other.By adopting a mature cat, a pet owner can skip the kitten phase altogether.“If an individual has a busy, hectic lifestyle, consider a mature or senior cat: already full grown, you know what it looks like, and a personality has developed so we can fill you in on all the wonderful traits that our mature cats have. Many of our mature cats still act like kittens so you can get the best of both worlds,” says Riley.A healthy cat can have a long life expectan-cy. It’s not unheard of for cats to live up to 20 years, so adopting one at age five means there’s plenty of years left to enjoy the pet.And, Riley adds, active mature adults are the perfect people to adopt mature and se-nior pets.For more information about Richmond Animal Shelter and its animals call 604-275-2036, go to rapsociety.com or visit the shelter at 12071 No. 5 Rd.

Richmond Animal Protection Society cards show examples of its shelter residents looking for a new home. Twinkie is an eight-year-old Pomeranian who loves cuddles and is in need of a relaxed home environment due to a minor heart condition. Active seniors who still enjoy short walks would be perfect owners. Sweetness, one of the shelter’s many mature cats, who loves cuddles once she gets to know a person. Sweetness is looking for a quiet and peaceful environment for her “forever home.”



… getting active with my family

www.richmond.ca/moveforhealth

www.richmond.ca

Friday, May 8 — Minoru ParkWee Walk Celebration

10:00 a.m. – noonAn intergenerational event featuring activity stations for preschool-aged

children, their parents and grandparents

Walk with the MayorNoon – 12:10 p.m.

Move for Health Festival6:30 – 9:00 p.m.

Fun for the whole family

Many FREE activities throughout the week! Find out more at

www.richmond.ca/moveforhealth

new best friendsPets often make ideal companions. They are around when a person needs support, they can provide protection for those living alone, they're always willing to lend an ear to problems, and many tend to offer unconditional love. Seniors facing an empty nest or the loss of a spouse may find pets can buoy their spirits. Studies have shown that seniors can benefit both mentally and physically from having a pet around. Pets can alleviate anxiety, depression and boredom.While pets can provide comfort and compan-ionship, they remain a significant responsibil-ity. Seniors should find an animal that will fit in with their lifestyles. This is an important consideration for those seniors who travel frequently or have mobility issues. In addition, men and women living in senior commu-nities or assisted living facilities should determine if there are any pet restrictions in place.The following are some dogs that can be especially compatible with seniors.Pug: Equally playful and willing to be a lap dog, the pug requires little exercise and grooming. The breed is typically nonaggressive and submissive. Pugs are good-natured and playful; they don't often bark and are easy to train.Shih Tzu: The Shih Tzu lives for attention, but this breed can be dom-inant and difficult to train. The Shih Tzu will be alert to its surround-ings and, despite its small stature, can be a good watchdog.Pomeranian: Pomeranians look like big balls of fur and can bring a smile to an owner's face. The breed tends to be perky, can display dominance and can be difficult to train. Because Pomeranians can be dog-aggressive, they may be best as the only pet in the house.Yorkshire terrier: The Yorkie is a diminutive breed in size only, as they tend to have exuberant personalities that dwarf their stature. The ideal lap dog, Yorkies want to lie around and lounge, though some do like to bark. If the fur is kept short in a "puppy cut," the dog can be easy to maintain.Pembroke Welsh Corgi: This medium-sized dog hails from Wales and typically requires only moderate exercise and little grooming. They are easy to train and moderately dominant. They don't bark excessively, and they often get along with other dogs.Schnauzer: Available in three sizes, Schnauzers are good companions and protectors. This is an intelligent and loyal breed and will need to be kept amused to stave off boredom.Brussels Griffon: These dogs do not shed, but they will require professional grooming at least once every 3 months. If socialized early, the Griffon can be a good companion but will likely remain wary of strangers. They are good watchdogs and devoted to their owners.

The loyalty and intelligence of Schnauzers makes them ideal companions.


A WELL-KNOWN adage suggests if you want something done, ask a busy person to do it. Hello, Wayne Duzita.

At an age—71—when most people are slowing down, the ever-energetic Richmond man remains as active as ever.Duzita is currently the associate vice-president, Western Region at Aeroterm—a leading provider of capital, exper-tise and facility services to airports and industrial prop-erties throughout North America. He had spent 23 years with IAT Management, a property management company, as its vice-president for leasing and marketing. During his two-plus decades at IAT he was responsible for more than five million square feet of retail, industrial, commercial and airport property in Canada.His business experience and acumen also make Duzita a valued member of the Richmond Olympic Oval Corpora-tion’s board of directors. He sits as one of five individuals

on the business planning committee. He also previously represented the city for the 2010 Olympic Winter Games operating trust, which oversees a $130 million legacy fund. Part of a steering committee to bring Trinty Western University to Richmond, Duzita was also two years ago appointed by Richmond City Council as vice-chair of the Richmond Tourism Association board of directors. The board oversees the management of Tourism Richmond and focuses on policy and program development.But as impressive as his professional resume is, it’s as a life-long volunteer that Duzita derives his greatest joy.“I think I’ve always had an interest to make a difference no matter what it’s been,” he said. “You find in community ser-vice not only some sense and purpose to life, but it teaches you to work with people. You also acquire a skillset you cannot learn anywhere else.

see page 16

From the Richmond Christmas Fund to Canuck Place, Wayne Duzita enjoys volunteering and making a difference.

a lifelong volunteerWayne Duzita finds joy in community service

DON FENNELL


Blundell Centre


“It’s amazing how everyone can be different and yet what you can achieve together by going in the same direction.”Having given thousands of hours of his time to advancing causes he is passionate about—many in support of chil-dren or youth facing challenges or difficult times—Duzita continues to be dedicated to serving those less fortunate. In 2012 he was appointed to chair the Richmond Christmas Fund which provides assistance to low-income families during the holiday season. With the same dedication and enthusiasm, he also agreed to head up the fund’s round table, a group of community and business leaders who plan and organize fundraising activities for the program.Thanks to his vision and guidance, the Christmas fund realized a windfall in cash donations last year of over $200,000. As well, nearly 18,000 items were donated. The fund uses commu-nity donations to purchase grocery vouchers for low-income residents and to purchase gifts for children to ensure they have a bright and merry Christmas. Cash donations were 10 per cent more than in 2013, while toy donations were up 50 per cent.Duzita affectionately refers to the Richmond Christmas Fund board, made up of 90 caring individuals, as the “army.” All business leaders themselves, he says they have taken time to partake in an important journey.For eight years, Duzita chaired the Canuck Place Children’s Hospice and the Canuck Place Foundation. At the time he accepted the roles, the hospice was poised to close because of a lack of funds. His team successfully secured corporate, government and individual contributions to stabilize the hospice in the early part of the past decade.The experience—particularly getting to know many of the children and their families—was one of the most profound of his life.“The children were amazing,” he says. “I’m not sure they understood what they were going through, but they found incredible joy with every moment.”Duzita was also inspired to co-found YVR Golf for Kids which has riased more than $3 million for children’s char-ities such as Canuck Place, Dreams Take Flight, Make-a-Wish Foundation, DARE, and the Richmond Christmas Fund.A proud West Coaster, Duzita has lived in Richmond most

of his life with his loving and supportive wife Georgia. The couple are the proud parents of two adult children Brett and Tiffany, who also live and work here. Contributing to their community has been a constant.While Duzita has a clear vision for whatever project he’s working at, he doesn’t have one set of rules. He sees life as a journey that changes along the way. But he values each step—from his high school job at Safeway to 15 “wonderful” years at Eaton’s, where he managed several departments in B.C. and Alberta, to marketing director for the Pacific National Exhibition. All have helped shape the

selfless and thoughtful individual he has become.Every person he’s met along the way has influenced Duzita in some way. A few in particular stand out, Hugh Boyle among them. A management giant, Boyle and Duzita forged a strong friendship with the former encourging the latter to take stock of what he wanted from life.“He said you need to look at who you are,” said Duzita. “A job is a job, but you’ve got transferrable skills and you can learn the product. You have the skills necessary to manage people and situations, and you understand marketing reports. It gave me

confidence while going through a life-altering experience and taught me that life balances out.”Duzita’s first meeting with Boyle came at a traumatic time in his life. With a young family and a mortgage he was unemployed after making his first job change after his days at Eaton’s.“I had applied for a job with Western Management (where Boyle was a senior partner) that was much more senior than my experience,” Duzita said. “But I had a number of references that were high-end, including the president of Eaton’s, and Boyle agreed to see me because of my refer-ences not my experience. We formed a friendship, I don’t know to this day why, and he decided to take me under his wing. He taught me my value was not diminished by going through a job change and told me “a year from (then) everything (would) be normal and you will have forgotten about today. I went through other work changes after that and he guided me through all of them. He taught me to really believe in myself as a person.”What project or cause Duzita will take up next is uncertain. But without question it will be with the same skill and zeal he’s always shown.

from page 14a lifelong volunteer

“It’s amazing how everyone can be different and yet

what you can achieve together by going in the same direction.”

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Fares are in US Dollars, per person, based on double-occupancy and must be booked by April 30, 2015. Cruise-only fares do not include cruise port and security and handling charges between $380—$630. Optional Personal Select Air Program is available to purchase for full-fare, full-cruise guests whose travel originates from a U.S. or Canadian airport, and include all government fees and taxes. Note: Early Full Payment savings do not apply to Personal Select Air. Solo Traveler Fares are available upon request. Crystal Society savings are per person based on double occupancy. †Crystal Cruises offers each guest the opportunity to dine at least once on a complimentary basis in Prego and at least once in Silk Road or the Sushi Bar (Sushi Bar is not available for pre-reservation via PCPC and is available on a first-come, first-served basis). Additional reservations including "walk-in" visits are subject to a $30 per person fee, subject to availability. All offers may not be combinable with other promotions, apply to first two full-fare guests in stateroom or suite, are capacity-controlled, subject to availability and may be withdrawn or changed at any time without notice. For full terms and conditions contact Emerald Travel. BPCPA Licence No. 1986.

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A primer for readers eyeing high-tech

alternatives


In the market for a tablet or an e-reader, but daunted by the fast-evolving world of high tech?

Not sure which is best for you, or the pros and cons of each as an alternative way of reading books, novels and maga-zines, or even surfing the Internet?The Richmond Public Library is an excel-lent resource for those dipping their toes into technology for the first time, with a range of e-readers—popular for people planning to do a lot of reading while on vacation but reluctant to lug around their novels while travelling—and tablets to sample and knowledgeable staff eager to lend a helping hand.Kat Lucas is the co-ordinator of e-ser-vices at the Brighouse branch of the Richmond Public Library and offered up a few tips for those considering a purchase.She said both e-readers and tablets are popular as an alternative to traditional books and magazines, and what’s right for a person depends largely on their reading habits and what they intend to chiefly use the device for.E-readers are essentially a digitized book, employing e-ink technology that makes the screen look like the printed page of a real book.While books don’t allow you to change the font size, making that adjustment is as simple as a click away on an e-reader, as is changing spacing and margins.Lucas said e-readers aren’t ideally suited for anything other than reading books, she said, and its lower price point (starting at under $100) reflects that lack of versatility compared to pricier tablets which com-monly sell for more than $300.

If you’re wanting to surf the web, the e-reader isn’t built to do that, though in a pinch, some e-readers do a serviceable but slow job of rendering images and web page content.

Where e-readers shine is their month-long battery life, and the reduced strain they cause on eyes. Some people find that tablets, which are backlit and shine light directly into the eye, can cause eye strain and fatigue.

Kat Lucas, co-ordinator of e-services at the Brighouse Branch of the Richmond Public Library, says tablets and e-readers are popular among those planning to travel. Martin van den Hemel photo

E-reader or tablet?

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“For people who find that maybe their eyes get tired reading on a screen, having that backlight coming at them all the times, (e-read-ers) are preferable,” she said.E-readers can store hundreds or thousands of books at a time, are lightweight and easily fit into a purse or hand bag, making them popular travel partners.While the older e-readers can’t be used in the dark, the newest ones employ new lighting technology, with just the right amount of light coming from under the edges of the screen to make the words sharp and legible when there’s no other source of light.Popular among e-readers is the built-in dictionary, so when they encounter a word they don’t understand, they can just tap on the page for a definition.Tablets shine in their versatility, ideally suited for users seeking an all-in-one solution.“For a lot of people who are travelling, they really want sort of the all-in-one kind of device...You’ve got your magazines and your books, online newspapers, videos, your e-mails and internet. Everything.”Lucas said she owns one of each, and which one she pulls out depends on what she’s about to do.“If I’m reading at home, I want to read on something that’s a little more friendly on my eyes, and less weight. But if I’m travelling, I take a tablet with me, so I’ve got everything.”But what’s the easiest to use? Lucas recommends tablets for those exploring the technology for the first time.Tablets are better suited in their capacity to directly download content.When downloading a library book through an e-reader, like the Kobo devices, all content has to be downloaded into a computer before being transferred to the e-reader.“It’s an extra step and it’s particularly a hassle when you’re travelling unless you’ve got a laptop with you.”For those who have already taken the plunge into a new device, but are still having trouble, Lucas invited them to come by the library for a helping hand.”The library holds e-book demonstrations, and staff are available to answer questions, she said.The library also has a Kobo e-reader lending program, for those wanting to get their hands on the devices and to get a feel for how the buttons work and the screen looks. How-to-use instructions are also available on tutorial videos available at www.lynda.com, for which the library has a subscription.

“If I’m reading at home, I want to read on something that’s a little more friendly on

my eyes...”


Experts say we consume only half the amount of fibre needed for a

healthy diet

MATTHEW HOEKSTRA

IN OUR EARLY HISTORY as hunter-gatherers, humans are be-lieved to have had diets that in-

cluded 150 grams of daily fibre.Today most Western diets barely manage 15 grams of fibre each day.The health benefits of fibre—the parts of plant foods that bodies can’t digest or absorb—are well known, but new research shows there’s good reason to increase our intake of roughage.Yes, our ancestors were on to something.Researchers have found that good bacteria in our gut has much to do with our behaviour, immune function and metabolism. And to encourage healthy microbial communities, they must be fed their favourite meal of fibre, according to Justin Sonnenburg, a biologist at Stanford University and author of The Good Gut: Taking control of your weight, your mood and your long term health.But most of us aren’t getting enough. In fact, experts say we’re only getting half the amount of fibre for a healthy diet.So where can this healthy carbohydrate be found? In vegetables and fruit, whole grains and legumes like peas, lentils, beans, seeds and nuts.Following Canada’s food guide, howev-er, doesn’t always ensure adequate fibre intake, according to Richmond registered dietician Sharon Tateishi. She notes it’s important for people to pay attention to the variety of food in their diets.“For example, we tend to assume that salads are great fibre enriching options. But we must be aware of the specific ingredients such as lettuce and other leafy additions. They are not always as fibre

dense as we may assume.”Tateishi’s advice? Go for variety. Kale and cabbage, for example, can double the fibre in a salad over iceberg lettuce. Add in some broccoli, peppers, carrots and corn for more. Step it up a notch with dried fruits, nuts and lentils, and you’ve got a salad bursting with fibre.Fibre can help keep you regular, lower cholesterol and control blood sugar. It can also help maintain a healthy body weight and lower your risk of heart disease and some cancers like colon cancer.

Richmond registered dietician Amy Yiu, founder of Richmond-based Libra Nu-trition (libranutrition.com) also spoke to The Good Life about the benefits of fibre, and how to add more to our diets.Good Life: It’s well known that dietary fi-bre is good for us. What are some benefits of fibre people might not know?Amy Yiu: “Not many people are aware that there are two types of fibre—soluble and insoluble. Insoluble fibre helps promote regularity and a healthy digestive system.

see page 22

fibre is first-class

Adding more fibre to your diet can pay off with health benefits.


Grains•Eat at least six servings of whole grain products every day. Examples include rolled oats, barley, brown rice, quinoa and whole wheat breads, breakfast cereals and pasta.•Use whole grain bread, rolls, pita or bagels when making toast or sandwich-es.•Replace at least half of the white flour with whole-wheat flour in your recipes.•Add 15-30 ml of bran, ground flax seed or a very high fibre cereal to your cereal in the morning.

Vegetables and Fruit•Eat at least seven servings of vegeta-bles and fruit every day. Aim for 1-2 servings of fruit and vegetables at every meal and snack.•Eat the peels of your vegetables and fruits whenever possible.•Try having fruit as a snack or as a

dessert. Pears, raspberries and black-berries are top choices for fibre. Guava, persimmon and kumquat are exotic high fibre fruits worth trying.•Eat vegetables and fruit instead of drinking juice.

Legumes•Add barley, beans, peas or lentils to soups, stews and casseroles. For exam-ple, add black beans to spaghetti sauce or lentils to soup.•Roast chickpeas or steam edamame for an easy snack.•Use legume-based dips (hummus, baba ghanoush) for veggies instead of sour cream.

Nuts and Seeds•Add toasted nuts, sesame seeds, sun-flower or pumpkin seeds to salads and cereals.

•Sprinkle on pasta dishes and stir-fries.•Grab a handful of nuts (60 ml) as a quick snack.

Read Food Labels•Compare products and pick the one with the most fibre. Be sure you are comparing the same serving sizes.•Check for grams of fibre. High-fibre foods have four or more grams of fibre per serving.•Look for ingredients such as bran, whole grain whole wheat, oatmeal or rye flour.•Increase the fibre in your diet slowly to avoid gas, bloating and diarrhea.•Divide fibre-containing foods throughout the day at both meals and snacks.•Drink plenty of fluids.*Source: Dietitians of Canada (www.dietitians.ca)

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of food. Eating high fibre foods may help you feel full for a longer time, which helps with appetite and weight control. It also helps:•lower blood cholesterol levels;•control blood glucose (sugar) levels;•manage diarrhea and loose stools;•reduce some of the symptoms of irritable bowel syndrome;•reduce the risk of getting intestinal ulcers;•have a healthier colon by increasing the amount of healthy bacteria.”GL: How important does fibre become in our senior years?AY: “It’s quite common for older adults to experience constipation as their digestive systems might not be as strong compared to younger adults. Their physical activities might also decrease due to old age and chronic medical conditions such as rheu-matoid arthritis and heart diseases. “Men and women over the age of 18 should aim for at least 21 to 38 grams of total dietary fibre each day.”GL: What’s an easy way to add more fibre to one’s diet?AY: “Some easier ways will be adding foods that are good sources of fibre into one’s diet without making major dietary changes. Dried beans and peas, oat prod-ucts and psyllium are some of the best sources of soluble fibre. “In addition there are some new healthier food products widely available in the su-permarket that could help add significant amount of fibre—both soluble and insol-uble. Examples are ground flaxseed, hemp hearts, chia seeds, psyllium, buckwheat, quinoa, barleys and kale chips. “Of course, one should choose half of his or her grain products (rice, bread, pasta) to be whole grains, and aim to eat the rec-ommended servings of fruits and vegeta-bles based on Canada’s Food Guide.”GL: What common foods should be avoided?AY: “Most fast foods, processed and highly processed foods. Grains that have been refined and stripped off their outer layers. Foods like white bread, white rice, white

pasta, etc. Also, most gluten free products one can buy at supermarket are often lacking fibre as they are mostly made of tapioca starch, potato starch or rice.”GL: What’s the difference between supple-ments such as Metamucil and fibre found in foods?AY: “Supplements are mostly just isolated fibre, with some artificial flavours and colourings or artificial sweeteners. That means, they often do not contain any other

nutrients. However, fibre from food sources are not the only nutrients found there. “In fact, most fibre-rich foods also provide other essential nutrients like complex carbohydrates, protein, antioxidants, vitamins and minerals. Their absorption in our bodies might therefore be enhanced with the synergistic effects of other nutri-ents. In addition, the costs of eating real foods are lower.”

from page 20fibre is first class

Registered dietitian Amy Yiu says supermarkets now offer healthier food products that can help boost fibre in our diets, including ground flaxseed, hemp hearts and kale chips.


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Make small changes to boost fibreBreakfast•orange juice (0.1g) / small orange (2.3g)•Cheerios (2.2g) / All Bran (11.8g)•white toast (0.8g) / whole wheat toast (2.4g)Lunch•apple (2.6g) / pear (5g)•slice of cheddar (0g) / hummus (3.4g)•white pita (1.3g) / whole wheat pita (4.7g)•cheeseburger (1.3g) / baked beans (10.3g)Dinner•mashed potatoes (2.2g) / baked potato with skin (3.8g)•spaghetti (2.5g) / whole wheat spaghetti (4.8g)•cheese pizza (1.5g) / chicken fajita (3.1g)Dessert•Fudgesicle (0.9g) / raspberries (4.2g)*Source: Health Canada’s Nutrient Value of Some Common Foods

Pears have almost twice as much fibre as apples.


La Traviata by Burnaby Lyric Opera – May 6, Minoru ChapelIT’S ONE OF OPERA’S greatest romances and considered a masterpiece today, but not all appreciated Giuseppe Verdi’s work when it premiered in 1853. According to the Canadian Opera Company, censors balked at the contemporary edge of La Traviata’s story, and audiences were “scandalized” by Verdi’s frank, unsentimental depiction of a high-society courtesan in love. Burnaby Lyric Opera will bring to life selections from the opera for 2 p.m. and 7 p.m. shows in Richmond as part of the City of Richmond’s Minoru Chapel Opera series. Based at the Shadbolt Centre for the Arts in Burnaby, the opera company aims to give emerging professional and semi-professional opera singers a chance to sing leading roles.Set in mid-19th century Paris, La Traviata tells the tragic story of a Parisian courtesan who sacrifices all for love. Under direction of David Boothroyd, local rising opera stars will perform: sopra-no Gina McLellan-Morel (Violetta), tenor Brian Lee (Alfredo), baritone Andrew Greenwood (Germont), bass-baritone Brandon Thornhill (Marquis) and mezzo-soprano Emma Parkinson (Flora).Tickets, $18 to $20, at the door or in advance at 604-276-4300. Minoru Chapel: 6540 Gilbert Rd.

Neil Sedaka – May 10, River Rock Show TheatreNEIL SEDAKA’S PARENTS had a hard time accepting their Juilliard-educated musical prodigy wanted to play rock ‘n’ roll. But once the royalty cheques started rolling in, Sedaka has said, they understood. At age 76, Sedaka is still playing concerts. He catapulted into stardom after singer Connie Francis recorded his song “Stupid Cupid” in 1958. Once he signed a solo contract, Sedaka released such hits “Oh! Carol,” “Calendar Girl,” “Happy Birthday Sweet Sixteen” and “Break-ing Up Is Hard To Do.” “Breaking Up Is Hard To Do” was re-released as a ballad in 1975 making music history when it became the first song recorded in two different versions by the same artist to top the charts. Tickets, $69.50 to $79.50, at ticketmaster.ca and 1-855-985-5000. River Rock: 8811 River Rd.

Deborah Holland – June 18, Britannia ShipyardsDEBORAH HOLLAND HAS a long history in writing and performing music—most famously dating back to the days of the band Animal Logic.In 1988 Holland was plucked from obscurity, to become the lead singer and songwriter for Animal Logic, a new band formed by ex-Police drummer Stewart Copeland and jazz bass-ist Stanley Clarke. Two weeks after auditioning, Holland found herself singing to growing crowds in Brazil. The group recorded two albums before disbanding.Its limited performances included a gig on the David Letterman show. But the Berlin Wall came down that same night, delaying the show, and according to Holland, hardly anyone saw it. They also had a gig on The Tonight Show, which was also delayed because of basketball star Magic Johnson’s announcement he had HIV.Since then, Holland has released five solo albums, including her most recent, Vancouver, having moved here from Los Angeles in 2010. The album includes the song “I Wanna Be a Canadian,” which speaks of the differences between Canada and the U.S., with lyrics touching on public health care, the relative obscurity of Canadian music and giving up California sun.Holland will be the guest of the Steveston Folk Guild in June. Tickets, $10, at the door. Britannia Shipyards: 5180 Westwater Dr.

front rowA guide to what’s going on in Richmond this season.

MATTHEW HOEKSTRA

Deborah Holland.

v

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Greg Girard: Richmond/Kowloon – Until June 28, Richmond Art Gallery

IT’S AN IMAGE of Old Richmond meeting New Rich-mond. In the foreground is a neatly-maintained 50-year-old house in a heritage hue, complete with faux shutters. Behind it towers the curving glass walls of the brightly-lit Aberdeen Centre.The photograph is one of 60 inside Richmond Art Gallery that offers a portrait of Richmond today as a city changing rapidly, particularly in its social makeup. Greg Girard: Richmond/Kowloon showcases the work of Girard, a Vancouver-based photographer who last year embarked on a project to document Richmond and its residents. The exhibition links with his earlier photographs of Kowloon Walled City in Hong Kong, the most densely populated settlement in the world before it was demolished over 20 years ago.Girard’s work reflects a city in transition, one that’s been changed by significant migration of Chinese people seeking a better life in a new country. The artist’s hope is Richmond viewers will learn something new about the place they call home.Admission by donation. Richmond Art Gallery: 7700 Minoru Gate. Vancouver-based photographer Greg Girard. Matthew Hoekstra photo


From what you eat, to exercise, to stress, to

family history—all have an impact on your health


IN HIS NEW BOOK, The Doctor of the Future is Here, Richmond naturopath Dr. Raj

Jheeta tackles healthcare from a holistic perspective and empowers people to take control of their personal welfare.While someone in their 20s may be able to get away with a poor diet with little exercise, that might no longer be true for that same person by the time they turn 50.Once you’ve been on the planet for half a century, and are exposed to environmental toxins, and are sud-denly faced with emotional stressors that didn’t exist previously, the body behaves differently, Jheeta said.“They take a toll on us and our bodies aren’t as resilient as when we were 20 years old.”One key component to better health is avoiding exposure to environmental contaminants.Whether it’s choosing the type of paint used in our houses, to eating whole foods that are void of additives and preservatives, both are important in reducing the key factors behind chronic degenerative diseases.Stress is also an often overlooked fac-tor when it comes to personal health, and comes in the form of financial stress, hectic schedules and family life.In his book, Jheeta wrote about an

overweight woman in her 30s who couldn’t manage to shed weight

despite a balanced diet and regular exercise.

health is just as much about the mind as the body

The cover of Dr. Raj Jheeta’s new book, The Doctor of the Future is Here.

S P R I N G 2 0 1 5 « T H E G O O D L I F E 27 S P R I N G 2 0 1 5 « T H E G O O D L I F E 27

Jheeta delved into her personal history, and learned she was a single parent, who had put on weight during several years of an unhappy relationship. She was under a great deal of stress, she couldn’t sleep and had a bad case of acid reflux.Jheeta found that her cortisol and insulin levels were too high and her metablism was sluggish, which helped explain her inability to lose weight. Beyond addressing those issues, Jheeta advised she take more time for herself, avoid negative thought patterns and visualize the life she wanted for her kids.Six weeks laters, she looked like a different person.“Sometimes my patients are amazed by the difference a few small changes can make in their lives, but there is no magic in naturopathic medicine,” Jheeta wrote.Another often overlooked issue is family history when it comes to determining a person’s health.Sometimes a look at our parents and grandparents pro-vides a window into our own future.Were cancer, diabetes, arthritis and heart disease and is-sue in their lives? If so, that may be in the cards for them too.Once we approach our 50s, it’s vital to have regular check-ups that focus on early detection of any health issues.Treatments are more successful if they are detected early, he said.While eating healthy food is important, the corporate structure around us is often a bad influence that leads to bad habits.Rather than focusing on what’s healthy, people instead look at what’s a good value. Rather than buying what’s best for us, consumers look at getting the most for their money in terms of quantity.This becomes more important as we age.Those over the age of 50 don’t always have the disposable income they once had in their prime earning years, and rather than buying expensive fruits and vegetables, they look at discounted foods that aren’t as healthy.While that might seem good value for their money, what they put into their bodies is not a good value.“The young and seniors fall victim to that,” he said.Similarly, canned and pre-packaged foods can be destruc-tive to your health, he said.

As we age, our metabolism slows down, and together with hormone changes, this can have a big impact on our bodies. If people don’t alter their diet as they age—at a time when they aren’t as physically active—the body won’t known what to do with the extra calories as stores the food as fat.Jheeta believes too many seniors depend on healthcare

providers and rely on prescrip-tion drugs to manage their health.In some cases, these medications come with side effects, and if not properly managed, can cause other problems.He’d prefer not see our aging population deal with their health issues this way.Rather, Jheeta believes education rather than medication, is the answer to healthcare woes.On the cover of his book, Jheeta quotes Thomas E. Edison: “The doctor of the future will give no medicine but will interest his

patients in the care of the human frame, in a proper diet, and in the cause and prevention of disease.”

“Sometimes my patients are amazed by the difference a

few small changes can make in their lives, but there is no magic in naturopathic

medicine.”

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INVESTING IN YOUR health sounds straight forward, yet as we get older it takes more than buying a funky pair of running shoes or a

fitness club membership. It’s about taking the time to set goals to replace unhealthy habits with healthy ones. A use-ful first step is to establish what type of exerciser you are. To accomplish this, answer the following questions:Why do I want to exercise? Your reasons can be as simple and varied as keeping up with your grandchildren or walking up the stairs. Whatever the answer, you have just found your purpose. People with purpose have changed the world — and so they can certainly change themselves.What habits do I need to replace? Replace junk food with more fruits and vegetables. Spend less time in front of the TV, and more time being active. Eliminate excuses, like “I can’t exercise because my dog is too tired.”What barriers prevent me from exercising? Make a list of the things that prevent you from exercising, and then set out to eliminate or reduce them. One of the most common is lack of energy. How do you eliminate this barrier? Your lack of energy will remain until you gain more energy. But to gain more energy, you need the energy to exercise. Solution: Start moving, even a little bit. What is your exercise style? Do you prefer to exercise indoors or outdoors? Do you like working out with a friend, in a group,

or on your own? Do you like competition? Once you’ve settled on your exercise style, it’s time to create an action plan.

Moving forwardIt’s helpful to have a certified fitness trainer create your initial plan, when possible. Treat this one-on-one oppor-tunity as a confessional: Talk about your lifestyle, what you eat and where, how you sleep, how much activity you cur-rently get, whether you have any aches and pains, and so forth. This information will enable the trainer to design an exercise plan that will likely work best for you. Once you’ve reviewed the plan, it’s time to get started. Don’t wait a few days, as days become weeks, and weeks become never.If you choose not to hire a fitness professional, I recom-mend the National Institute on Aging’s Physical Activity and Exercise Guide. This free publication offers practical recommendations for all the components of an exer-cise plan: strength, cardio, balance and flexibility. It also provides motivational tips, and an exercise log for tracking your results.Now you have what you need to get going. Since you aren’t invincible, remember to start slowly, pace yourself, and, most importantly, enjoy the ride.Colin Milner is with the CEO International Council on Active Aging.

how to becomemore active at

COLIN MILNER

any age


IN B.C., BOTH A CHILD (biological or adopt-ed) and a spouse (married, or “common law” for two years) are eligible to seek variation of their

deceased parent’s or spouse’s Will if they feel that the will did not leave them a just, fair and equitable portion of the estate.The legislation (now the Wills Estates and Succession Act) has existed since 1920. With the extreme rise in property values in parts of B.C., estates have also grown in value. There are now, I suspect, more cases in litigation than ever before.

The caseReasons for judgment in the most re-cent Wills variation case were released in early-April. In the case, Heathfield v. St. Jacques, the deceased died sud-denly in 2011, at age 53. He had been, for some years, beyond the end of his common law relationship. He had two children, both minors when he died. They were in the custody of the former spouse. The deceased made a will in 2004, leaving his estate to the former spouse. Though their relationship ended around 2006, the deceased never examined his will to change it.

Other litigationThe surviving spouse had launched matrimonial action after their separation. The two parties agreed, in 2008, to terms including child support and an asset exchange. It was discovered later on that the deceased had made some handwritten alterations to his will, which stated his desire to have his Estate pass only to his children. The surviving spouse, meanwhile, entered a new relation-ship and made a new will. In 2010, the former spouses agreed to a fresh court order, which reduced his spousal support obligation and the contributions to the nanny costs.

Wills variation When the deceased passed, his business partner found the original (four-page) will with the extra handwriting. The handwriting emphasized that the deceased did not want

his former spouse to receive any of the estate. Once all parties reviewed the will, including the Public Guardian and Trustee (as the children are minors), the PGT decided to launch action on behalf of the children to vary the will. The children were not named in the will. The Court noted that the former spouse received $800,000 as beneficiary of an insurance policy the deceased had, but also failed to change after the separation.The court examined some significant case authority and

carefully considered that the children were disinherited in the will. In wills variation cases, the court must first consider whether the deceased owed any legal duties to his/her children. In this case, as they are both minors, the deceased did owe legal duties to them. But the deceased was deemed to owe neither legal nor moral duties to his former spouse. Interestingly, the court held that the hand-writing (known as “interlineations”) was not “part of the will,” but the court consid-ered them reflective of the deceased’s true

intention with respect to his estate distribution.The court did not hesitate much in concluding that the will inadequately provided for the deceased’s children. The court varied the will, dividing the entire estate into two trusts, one for each of the children.

SummaryThe significance of this case is at least twofold. First, the end of a relationship should bring an immediate review of the couple’s wills (and any agreements they may have made) to make necessary changes. Second, the wills variation remedy is significant for minor children. Though it was useful that the deceased had written some informa-tion on his will expressing that he wanted his children to receive his estate, he should have considered how to look after his children, over and above the matrimonial actions he was involved in.Jack Micner, barrister & solicitor with Spry Hawkins Micner, welcomes your questions on wills, estates and elder law. He can be reached at [email protected].

JACK MICNER

watch out!when the relationship ends,

The end of a relationship should bring an immediate

review of the couple’s Wills


WHEN YOU ARE YOUNG, the whole top-ic seems like a lifetime away. However, by the age of 55, one’s attention starts to focus

on the issue and by that time, it may be too late to modify your retirement planning.Pensions are either government sponsored, Canada Pension Plan (CPP) and Old Age Security (OAS), or company sponsored.Company pension plans can be either “defined benefit” or “defined contribution”. Defined contribution plans are somewhat the easier to un-derstand. You join the plan by committing to save some money each pay cheque and usually your employer matches it. You get to choose the investment portfolio and when you retire, you get the pool of cash to then develop your own personal pension income – although there are certain minimums and maxi-mums you can take at that time.Defined benefit plans are where your employer makes a commitment to provide you a lifetime retirement income. You typically have to make a contribution to the plan, but the investment selec-tion and the ultimate contractual commitment for that income lies with the employer.Traditionally retirement age has been considered 65. In recent years CPP has allowed individuals to

take an early CPP at 60 with a discount and recently, changes to OAS are being made that will raise the OAS pension age to 67. Add to that RSP contri-bution options and the planning opportunities involving Tax Free Savings Accounts and the most efficient way to build a retirement income is becom-ing increasingly complex.I might point out that when you quit or retire from

a company, you will often be pro-vided the opportunity to transfer assets from your defined benefit plan and take control of the assets via a “locked-in” RSP.The merits to taking control of these assets are dependent on many different variables. The best solution for each client is different based on age, net worth, investment knowledge, family status, alternatives sources of income amongst

other considerations.In summary, whenever you get the opportunity to participate in a pension plan, take it. That being said, also make sure you have a good understanding of all the opportunities and rules around your pools of pension assets and obtain experienced financial planning advice as soon as possible but especially in the 5 years prior to retirement.Shaun Rickerby is a Portfolio Manager at TD Wealth in Richmond and can be reached at [email protected].

yourpension

planning

Whenever you get the opportunity

to participate in a pension plan, take it.

The most efficient way to build a retirement income is becoming

increasingly complexSHAUN RICKERBY


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Gilmore Gardens Seniors Community

4088 Blundell Road, Richmond, BC

[email protected]

604 271 7222

You have to plan for “the good life!”

Did you know that low social interaction is as bad for your health as smoking 15 cigarettes a day, is as dangerous as being an alcoholic, is as harmful as never exercising and is twice as dangerous as obesity? Also, home health care can further isolate seniors unable to get out.

When you sell your condo, townhouse or home, even with a modest monthly income, youcan afford many years of independent living at Gilmore Gardens.

Explore “good life” options at Gilmore Gardens.

Managed by Diversicare, awarded the BC Senior Living Association Seal of Approval and Canada’s Order of Excellence, Gold Recipient for Quality

the good life spring 2015

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